vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-14 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: NC

Complaint narrative:
As XX/XX/2018 I check my XXXX XXXX account only to see transunion has reported that I have 107 inquiries that I didnt authorize with credit cards accounts and auto loans ... also XXXX is reporting a100 inquiries that I didnt authorize for the same exact reason.. and also on my XXXX profile is showing a lot of inquiries as well ... I have a fraud alert that suppose to let creditors contact me before extending credit.. However this was done fraudulent and without my concent ... I did not authorize these companies to use my confidential information to extend credit in my name I have file a police report and will be hiring a lawyer to see who has fraudulent tried to open up accounts without my consent.

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 2018-10-14 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
here is the problem with you not doing my dispute sence XX/XX/2018  when I dispute you dont notify me with in the 30 days and never have a way to attach the proof and I was subject to your data breach and you said you dont care so I reported you as a terrorest attck on my credit report and I am disputing again though this email with an account you refused to fix 3 times with proof attached to FTC complaints well once again her you go. 
XXXX XXXX XXXX XXXX Hide Details XXXX XX/XX/2018 {$72000.00} XX/XX/2018 {$620.00} PAYS 31-60 DAYS N/A XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, KY-XXXX ( XXXX ) XXXX Account Number : XXXX Status : PAYS 31-60 DAYS Account Owner : Individual Account. High Credit : {$71000.00} Type of Account A mortgage account is real estate loan. : Mortgage Credit Limit : Term Duration : 30 Years Terms Frequency : Monthly ( due every month ) Date Opened : XX/XX/2018 Balance : {$72000.00} Date Reported : XX/XX/2018 Amount Past Due : {$620.00} Date of Last Payment : XX/XX/2018 Actual Payment Amount : Scheduled Payment Amount : {$600.00} Date of Last Activity : N/A Date Major Delinquency First Reported : Months Reviewed : 4 Creditor Classification : Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : USDA Real Estate Mortgage Loan ( US Department of Agriculture ) Date of First Delinquency : XX/XX/2018 Comments : Consumer disputes - reinvestigation in progress Attached receipts show XX/XX/XXXX and XX/XX/2018 payments to XXXX XXXX  XXXX XXXX paid so this is false reporting by XXXX XXXX  so this needs to be removed and you keep telling me to go to XXXX twice with those exact words. well attachments is the proof I need when I take you to court so fix the problems and want all removed permanently per your terms and conditions in your credit reporting information you mailed me about credit reporting Equifax procedures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-14 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: NC

Complaint narrative:
As XX/XX/2018 I check my XXXX XXXX  account only to see XXXX has reported that I have 107 inquiries that I didnt authorize with credit cards accounts and auto loans ... also Equifax is reporting a100 inquiries that I didnt authorize for the same exact reason.. and also on my XXXX profile is showing a lot of inquiries as well ... I have a fraud alert that suppose to let creditors contact me before extending credit.. However this was done fraudulent and without my concent ... I did not authorize these companies to use my confidential information to extend credit in my name I have file a police report and will be hiring a lawyer to see who has fraudulent tried to open up accounts without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14 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: NC

Complaint narrative:
As XX/XX/2018 I check my XXXX XXXX account only to see XXXX has reported that I have 107 inquiries that I didnt authorize with credit cards accounts and auto loans ... also XXXX is reporting a100 inquiries that I didnt authorize for the same exact reason.. and also on my Experian profile is showing a lot of inquiries as well ... I have a fraud alert that suppose to let creditors contact me before extending credit.. However this was done fraudulent and without my concent ... I did not authorize these companies to use my confidential information to extend credit in my name I have file a police report and will be hiring a lawyer to see who has fraudulent tried to open up accounts without my consent.

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 2018-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I disputed this account with JP Morgan Chase Bank several times and each time I was asked to provide additional documents to support my fraud claim. The last dispute I submitted was refused because I had someone as my power of attorney and JP Morgan Chase Bank wanted me to provide them with the power of attorney document which I did. It's been over 60 days since I submitted my power of attorney document it's been over 120 days since I filed my initial dispute and JP Morgan Chase Bank is still reporting erroneous negative Information about me to all three credit bureaus. It's bad enough I was a victim of fraud and I'm being dragged through the mud trying to clear my name. I feel like I'm getting the run around and that JP Morgan Chase Bank does not want to remove this negative incorrect Information from my credit report, they also have not responded to me in regards to my power of attorney documents I sent to them by certified mail. I do know that the statute of limitations have expired for JP Morgan Chase Bank as far as how much time they have to respond to a dispute. At this point they are disregarding all types of local and federal laws by disregarding all of my civil liberties. JP Morgan Chase Bank allowed someone to open an auto loan using my identity at a used car dealership that the owner of that dealership was convicted in Federal Court on Fraud charges stemming from his dealership. My next attempt will be a legal one, I'm tired of getting the run around by JP Morgan Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
TransUnion is reporting on there report that my loan with XXXX XXXX XXXX auto loan has missing payments which is effecting my score. This account has been in chapter XXXX since XX/XX/2014. I reached out to a representative at XXXX XXXX XXXX and they do not show any missed or late payments. This representative also informed me that since the loan has been in Bankruptcy for over two years they should not be able to report late or missing payments. XXXX also informed me that they do not even report to TransUnion. I have disputed this with TransUnion about that loan being in bankruptcy for over two years and they said they have no errors in my report. Note the reason I found out is my XXXX is XXXX and TransUnion is 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 2018-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am XXXX XXXX XXXX. On or about XX/XX/2018 I made a bank transaction at Wells Fargo Bank at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. I made a withdrawal for {$3000.00} and signed a withdrawal slip for that amount and gave it to the teller. I received {$3000.00} cash. I noticed my account was overdrawn XXXX the next day. I immediately went to the bank the next day to inquire. The bank stated this was some sort of correction and stated he could not say what it was. I then contacted the resolution department and they started an investigation per XXXX. The bank then stated that I was given {$5000.00} not {$3000.00}. This is not correct. I was only given {$3000.00}. Why would the bank give me nearly {$2000.00} more than was available in my account? I only received {$3000.00} and that is all I signed for. I have been waiting for a return call from the branch manager for 5 days. 
I can be reached at 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 2018-10-14 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 — Investigation took more than 30 days
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
On XX/XX/XXXX XXXX put a {$39.00} in collection on me. I paid off XXXX XXXX and i guess this was a renewal fee. I never noticed this on my report and never received a notice in the mail since they were sending it to my old address and i never knew my account was sold, so when i saw {$39.00} and saw the name XXXX XXXX i send a check and sent both my moms payment in with two checks and both statements to XXXX XXXX. After watching my credit and noticed it was not taken care of i called XXXX XXXX and they applied BOTH checks to my moms account and took the blame and reversed the {$39.00} payment one her account and told me that they would take care of XXXX. After several months XXXX has not taken care of it. The day they applied it to my moms account ( XXXX XXXX XXXX ) Card XXXX was in XXXX, and the day they reversed it was XX/XX/XXXX. My file number is XXXX with XXXX. XXXX XXXX confirms they have this payment and I wish someone would help me with this. Its been months that this has been paid ( the day i found out about what this was i took care of it ) PLEASE HELP. XXXX should take this off my credit report since they NEVER sent me notice of this to the address i live at so i had no idea who they were. Do i need to hire a lawyer or the banking Dept? 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Capital One has wrongly charged Late Fees and Interest. They have agreed that these charges are in error, but they refuse to revise my Statement. They insist that I must pay the false charges now, and that they will credit my account later. Forcing customers to advance money INTEREST FREE, so that they can reimburse it months later without interest must not be allowed. 
Background : Capital One recently assumed management and control of XXXX XXXX Visa credit cards. 
My most recent XXXX XXXX Statement ( attached ) indicated {$28.00} was due on XX/XX/18. 
This amount was paid on-time by XXXX XXXX XXXX XXXX. ( receipt attached ) .XXXX XXXX  has admitted that they have not completed importing all pertinent data, including my recent payment. This is still a work-in-progress, yet they have charged Late Fees, Interest on Purchases and have now suspended my card and associated " points. '' ( CapOne Statement attached ) Multiple calls to CapOne Customer Service have resulted in their recognizing their errors and crediting the Late Charge. They say it is too late to Credit the Interest Charge now, and it must be paid. 
I have no idea how many unsuspecting customers have been wrongly charged Fees and Interest because their payments have not been recognized. I feel that Capital One has violated numerous Banking and Accounting principles, and may have acted illegally. 
Capital One should never have rushed to charge customers Fees and Interest before they had imported all data and performed a careful reconciliation. Please investigate Capital One and take all necessary actions to see that customers are protected and that this never happens again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-14 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 received an alert from XXXX Credit Reporting Agency about a collections on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX for Virginia GAS from what I read on the report. I have not live in Virginia for 5 years while stationed in XXXX, XXXX from XXXX to XXXX and now in XXXX XXXX on XXXX XXXX XXXX XXXX XXXX. I do not have an active account with any services outside California except with XXXX XXXX mortgage for my home in XXXX XXXX which has an active tenant living at this residence name XXXX XXXX. XXXX  and Transunion will not let me report this fraud or activate a freeze without buying a product.

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 2018-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
" On XX/XX/2018 I was denied by both XXXX AND WESTERN UNION after creating online account. This is not the first time conducting business with either money transfer agents. I have noticed a pattern that each time, it is allowed and verified ;. CANCELLATION OF BOTH MY TRANSACTION RESULTED. ". The only provide reason of going to a local agent and trying that way. '' " I am verifying payment was successfully sent via WU. That is Western union_Your tracking number is ( MTCN ) XXXX. Shorthly after notifying by writing email to the business called " XXXX moving and storage located at XXXX XXXX XXXX XXXX, XXXX FL XXXX that would also track their confirmed receipt of payment on my end. '' WU called me and emailed me to verify this transaction ;. after 12 hours, it was cancelled next day and I received a message by XXXX XXXX that morning as I kept a record of it for your reference as not the first time in coincidence with XXXX. '' " PROBLEM_UNAUTHORIZED BROKER HAS GIVEN MOVING COMPANY THE RIGHT TO HOLD MY BELONGINGS IN UNKNOWN LOCATION. The origin was from XXXX " XXXX '' by XXXX XXXX limited export manager. '' I have also kept them in the loop on the activities as they also refuse to provide insurance documents, moving legalities on paperwork that was initiated for customs and border completion. '' " There are not corresponding but delaying when they write back even for acknowledging this attempted money transfer payment for planning the release with RECEIPT OF BANK TRANSACTION. I am requesting my XXXX " XXXX '' is requested ASAP. A reminder of your time, day of week for delivery is has not been promised. It is necessary before the incurance of addt'l storage fees. '' " The businesses both known as XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX refuses to accept alternative forms of payment such as checks, credit cards, money order. They both insist that I bank transfer account to account the money but thaere are issues doing so. ". I also have noticed a problem with the XXXX XXXX XXXX ACCOUNT provided by XXXX XXXX HAS NO ACCOUNT NUMBER per the acct receivables assistant " " BOTH EXPORTER/IMPORTER demands that I send money because they had not provided a business address within the XXXX now that I have been told the money was not acceptable that method '' AS WELL AS WHERE THE " XXXX '' is presently unknown?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14 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: CA

Complaint narrative:
Hello, On XX/XX/XXXX, I requested verification ( the original instrument of indebtedness in it's original form ) for the following student loans from XXXX Credit Bureau : 1 ) Account # : XXXX 2 ) Account # : XXXX 3 ) Account # : XXXX 4 ) Account # : XXXX 5 ) Account # : XXXX 6 )  Account # : XXXX Experian received my letter certified mail on XX/XX/XXXX. They replied on XX/XX/XXXX with a letter describing their dispute process. I have attached the letter for you to review. Also they replied in comments : " By XX/XX/XXXX, this account is scheduled to go positive status. This item was updated from the processing of your dispute in XX/XX/XXXX. '' XXXX, XXXX, and Transunion has failed to comply with SECTION 609 of the Fair Credit Reporting Act which requires the credit bureau to send me a copy of the Original Wet-Inked Contract that I signed and not send me copies of copies of third party fraudulent and inaccurate documents or contracts. According to the Fair Credit Reporting Act, the credit bureau is required to verify through physical verification of the original signed certified consumer contract with my Wet-Inked Signature on it for any or all accounts they request to be posted and or reported on my credit report. Copies of copies are not Validation and are not considered proof for these accounts on 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 2018-10-14 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: CA

Complaint narrative:
Hello, On XX/XX/2018, I requested verification ( the original instrument of indebtedness in it's original form ) for the following student loans from XXXX Credit Bureau : 1 ) Account # : XXXX 2 ) Account # : XXXX 3 ) Account # : XXXX 4 ) Account # : XXXX 5 ) Account # : XXXX 6 )  Account # : XXXX XXXX received my letter certified mail on XX/XX/2018. They replied on XX/XX/2018 with a letter describing their dispute process. I have attached the letter for you to review. Also they replied in comments : " By XX/XX/XXXX, this account is scheduled to go positive status. This item was updated from the processing of your dispute in XX/XX/XXXX. '' XXXX, XXXX, and XXXX has failed to comply with SECTION 609 of the Fair Credit Reporting Act which requires the credit bureau to send me a copy of the Original Wet-Inked Contract that I signed and not send me copies of copies of third party fraudulent and inaccurate documents or contracts. According to the Fair Credit Reporting Act, the credit bureau is required to verify through physical verification of the original signed certified consumer contract with my Wet-Inked Signature on it for any or all accounts they request to be posted and or reported on my credit report. Copies of copies are not Validation and are not considered proof for these accounts on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-14 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: CA

Complaint narrative:
Hello, On XX/XX/XXXX, I requested verification ( the original instrument of indebtedness in it's original form ) for the following student loans from Experian Credit Bureau : 1 ) Account # : XXXX 2 ) Account # : XXXX 3 ) Account # : XXXX 4 ) Account # : XXXX 5 ) Account # : XXXX 6 )  Account # : XXXX Experian received my letter certified mail on XX/XX/XXXX. They replied on XX/XX/XXXX with a letter describing their dispute process. I have attached the letter for you to review. Also they replied in comments : " By XX/XX/XXXX, this account is scheduled to go positive status. This item was updated from the processing of your dispute in XX/XX/XXXX. '' Experian, XXXX, and XXXX has failed to comply with SECTION 609 of the Fair Credit Reporting Act which requires the credit bureau to send me a copy of the Original Wet-Inked Contract that I signed and not send me copies of copies of third party fraudulent and inaccurate documents or contracts. According to the Fair Credit Reporting Act, the credit bureau is required to verify through physical verification of the original signed certified consumer contract with my Wet-Inked Signature on it for any or all accounts they request to be posted and or reported on my credit report. Copies of copies are not Validation and are not considered proof for these accounts on 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 non-monetary relief
Consumer complaint received 2018-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America advertised a {$100.00} promotional bonus for opening a checking account with direct deposits within 90 days which I applied for and approved for after a few hurdles. However, the {$100.00} bonus has not been credited to my account.

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