vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-28 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: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
Last XX/XX/XXXX, I called American Express to inquire about the due date of my payment. The agent who answered my call told me that I was pre-approved to get a platinum card, gold card, a blue card and/or a green card. I told him that I already have a card and it might affect my credit report and credit score if I get another card. He informed me that I can get as any additional card from American Express without affecting my credit report, since " they are all in the same family '' ( these are his exact words ). I said, okay as long as it will not affect my credit report and credit score. The agent then applied 3 cards, gold, blue and green. While checking my inbox on my email, I got credit alert from XXXX on XX/XX/XXXX stating that American Express pulled my credit report and my credit score decreased by 2 points. Again, I received credit alerts on XX/XX/XXXX stating that American Express pulled my credit report from XXXX and XXXX. Another report was pulled from XXXX on XX/XX/XXXX and my credit score dropped by 9 points. A total of 4 credit reports were taken from the 3 credit bureaus ( 2 from XXXX and 1 report each from XXXX and XXXX ). How can American express do this? I called American Express right away to inform them about what happened to me. I was misled and made to believe that American Express would not do a hard inquiry on my credit report. I was deceived and tricked into agreeing to apply for additional credit cards. On XX/XX/XXXX and XXXX, XXXX, I received two letters from American Express stating that the 3 credit bureaus have been instructed to cancel the credit inquiry. XXXX removed the credit inquiry of American Express, while XXXX and XXXX  still continues to have the credit inquiry of American Express in my credit report. I sent letters to XXXX, XXXX   and American Express to remove and suppress the credit inquiry, but have been unsuccessful. American Express sent me another letter dated XX/XX/XXXX. It stated that they are unable to comply with my request to suppress the inquiry in my credit report. That, under the Fair Credit Reporting Act, they have permissible purpose to order and review my credit report when application was submitted. Again, I sent a letter to American Express including the conflicting letters I received from them. I feel cheated, taken advantage of and treated unfairly. I am asking for the Consumer Financial Protection Bureau 's help and intervention to solve my problem, since the hard inquiries have given a negative impact on my credit report. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: GA

Complaint narrative:
Since XX/XX/2017 I have been working to get a modification or temporary forbearance since I was out of work due to an injury. I have faxed over the same documents at least 20 different times. They continue to say they never received it, the document is cut off, or its outdated. After months of this I finally got in touch with someone at the corporate level. Submitted my documents along with a letter stating when I would return to work. I waited a month and received a letter stating I would not qualify for forbearance since I was no longer unemployed and I would not qualify for modification since I didnt have sufficient wages. I returned to work making the exact amount I was making when I qualified for the house. $ XXXX year. The letter also stated that they would proceed with foreclosure. I dont know what to do. I didnt plan on breaking multiple bones but Im back at work Now and they refuse to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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: MN

Complaint narrative:
I am a victim of identity theft. The following accounts and credit hard inquiries listed on my Equifax, XXXX and XXXX XXXX credit report are fraudulent, not mine and dont belong to me : XXXX XXXX XXXX, XX/XX/XXXX, {$780.00}, XXXX XXXXXXXX XXXX, XX/XX/XXXX, {$520.00}, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXXXXXX XXXX, XX/XX/XXXX. I been receiving harassing and threatening telephone calls of profane language, XXXX threats, threats of legal action, being arrested and going to jail and prison from XXXX XXXX XXXX representatives for over 1 year for the fraudulent XXXX XXXX XXXX credit card accounts. XXXX XXXX XXXX is in clear violation of The Fair Debt Collection Practices Act ( FDCPA ). The XXXX XXXX XXXX   credit card accounts and credit hard inquiries are all fraudulent, unauthorized and dont belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/XXXX I made a payment to Citibank for XXXX to payoff the balance of my secured credit card. I tried to use my card around XX/XX/XXXX and the card was declined. I called the bank and was told that although a payment showed as posted it was on hold until XX/XX/XXXX. I told the rep that the payment cleared my bank on XX/XX/XXXX and wanted my funds released to my card. I was told that I would need to call back to speak with another department. Instead I started emailing Citibank so that I would have a paper trail. They kept telling me it would be available on the XXXX so I told them to close my account and refund my money. It is now the XX/XX/XXXX, they are no longer responding to emails but the account is closed and they haven't refunded me money!

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 2018-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Bliksum, LLC
State: MO

Complaint narrative:
On XX/XX/2018, XXXX XXXX with XXXX XXXX XXXX contacted my boss after I spoke with her and she confirmed that she had already confirmed my employment. She left a voicemail for my boss, and requested a call back in turn causing emotional distress to me. She had no reason to speak to my boss after speaking with me and confirming employment with my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
I have constantly contacted this company for validation of this debt. 
I never received any documentation from them proving that this is mine. 
Ive never received correspondence from them either. 
Im not even sure how this ended up on my credit report without my knowledge of this in the first place. 

Also I do believe a medical file being sold to a collection agency is in violation of the hippa law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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: TX

Complaint narrative:
CRA VIOLATION / INACCURATE INFORMATION REGARDING NAME, ADDRESS EMPLOYMENT NOT AUTHORIZED BY ME APPEARED ON MY TRANSUNION 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 2018-03-28 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: VA

Complaint narrative:
I submitted a dispute to Equifax to verify a specific account with XXXX XXXX XXXX. On XX/XX/2018, I received my dispute results in the mail stating that they verified that this account belongs to me. I am under identity theft at the time and I do not recognize this account. FCRA Act Section 611, gives you the right to request an explanation of the verification method used by the CRA. If either party has the records you can request a copy under the FACTA act, SEC 312 ( b ) and ( c ). I would like to challenge how Equifax came to this decision without verifying the following : 1.Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?

2.What certified documents were reviewed to conclude your investigation?

3.Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4.What did it cost your company to obtain the documents needed to complete your investigation? 
5.Please provide proof of your timely procurement of certified documents.

6.Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

7.If yes to above : a.Who did you speak to?

b.On what date?

c.How long was the conversation?

d.What was their position?

e.What telephone number did you call?

f. What is the name of the employee of your company that spoke directly to the above party?

g.What is the position of the employee of your company that spoke directly to the above party?

h.How long has that employee been employed by your company?

i.What formal training was provided to this employee to investigate items of this kind?

j.Was there any e-mail or written communication between members of your company and the above party?

8.If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.

9.Provide the date of the commencement of delinquency 10.Provide the SPECIFIC date reporting that these items will cease

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: CA

Complaint narrative:
In XX/XX/XXXX I received a collection letter from XXXX XXXX XXXX XXXX XXXX XXXX, ( XXXX ) a debt collector for XXXX XXXX XXXX of Texas. I called their office to tell them that this debt was not mine and I have not stayed in Texas. I followed-up this telephone call with a letter dated XX/XX/XXXX. 

On XX/XX/XXXX I received another letter from XXXX requesting additional amounts due to their same client. On XX/XX/XXXX, I again sent a letter to them informing them that this was not my debt. 

On XX/XX/XXXX I received another letter from XXXX offering to settle the above debt within 10 days. 

They obviously have ignored my telephone call and letters.

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 2018-03-28 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: MN

Complaint narrative:
I am a victim of identity theft. The following accounts and credit hard inquiries listed on my XXXX, XXXX and Trans Union credit report are fraudulent, not mine and dont belong to me : XXXX XXXXXXXX XXXX, XX/XX/XXXX, {$780.00}, XXXX XXXXXXXX XXXX, XX/XX/XXXX, {$520.00}, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX. I been receiving harassing and threatening telephone calls of profane language, XXXX threats, threats of legal action, being arrested and going to jail and prison from XXXX XXXX XXXX representatives for over 1 year for the fraudulent XXXX XXXX XXXX credit card accounts. XXXX XXXX XXXX is in clear violation of The Fair Debt Collection Practices Act ( FDCPA ). The XXXX XXXX XXXX   credit card accounts and credit hard inquiries are all fraudulent, unauthorized and dont belong to me.

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 2018-03-28 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: MN

Complaint narrative:
I am a victim of identity theft. The following accounts and credit hard inquiries listed on my XXXX, Experian and XXXX XXXX credit report are fraudulent, not mine and dont belong to me : XXXX XXXXXXXX XXXX, XX/XX/XXXX, {$780.00}, XXXX XXXXXXXX XXXX, XX/XX/XXXX, {$520.00}, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX. I been receiving harassing and threatening telephone calls of profane language, death threats, threats of legal action, being arrested and going to jail and prison from XXXX XXXXXXXX XXXX representatives for over 1 year for the fraudulent XXXX XXXXXXXX XXXX credit card accounts. XXXX XXXXXXXX XXXX  is in clear violation of The Fair Debt Collection Practices Act ( FDCPA ). The XXXX XXXXXXXX XXXXk credit card accounts and credit hard inquiries are all fraudulent, unauthorized and dont belong to me.

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 2018-03-28 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In Early XXXX my daughter notice charges to her checking account that she had not authorized. I am also on the her account. I am her mother. We went into the bank and they sat down with us and had us highlight all the charges we felt were not ours. This was the checking account and someone had been taking money out of her account out of New York. We have never been to New York. XXXX said we had to give the person permission to use the card, although my daughter had her card, but he was also using a card in New York, which is very baffling. Then the next day we realized they had also done a cash advance of XXXX from her credit card. The bank said they invested and there were charges months back from the same individual and said we never reported it so we had to have given permission for this. We were not aware of any charges previously and told them if there were charges we did not authorize them either. After much back and forth they said we needed to file a police report, which we did. They have footage of the person which we do not know at the atm in New York withdrawing money. They still are saying there is nothing they can do. There were also XXXX from our checking account taken. I am so frustrated with this. I have been with them since about 2012. Our accounts are not overdrawn and things of the nature. This just does not make sense to not be reimbursed for the money that was taken from our account and credit card. A total of about XXXX. Please 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 2018-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I've contacted PRA several times about an open collection account I have with the company. I have tried on several occasions to settle this debt, but the representatives will never put the settlement offer in writing until after I have already sent a payment.

I have even hired an attorney to deal with PRA, but they will not put anything in writing in regards to the settlement offer when corresponding with him either.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT DUE TO IDENTITY THEFT APPEARED ON MY EQUIFAX CREDIT REPORT. WERE DISPUTED XX/XX/18 EQUIFAX DID NOT REMOVE IT. THAT IS A SERIOUS VIOLATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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: TX

Complaint narrative:
My Account from XXXX payment history was disputed in XX/XX/2017. The payment history was deleted due to inaccuracies in reporting. Equifax sent confirmation of the deletion but then re-reported it 6 months later and is refusing to delete it although I have written proof form Equifax of the deletion. This reapplication of this payment history was after Equifax erroneously split my credit file. Now they are refusing to restore it to correctness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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: VA

Complaint narrative:
I submitted a dispute to XXXX to verify a specific account with XXXX XXXX XXXX. On XX/XX/2018, I received my dispute results in the mail stating that they verified that this account belongs to me. I am under identity theft at the time and I do not recognize this account. FCRA Act Section 611, gives you the right to request an explanation of the verification method used by the CRA. If either party has the records you can request a copy under the FACTA act, SEC 312 ( b ) and ( c ). I would like to challenge how XXXX   came to this decision without verifying the following : 1.Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?

2.What certified documents were reviewed to conclude your investigation?

3.Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4.What did it cost your company to obtain the documents needed to complete your investigation?

5.Please provide proof of your timely procurement of certified documents.

6.Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

7.If yes to above : a.Who did you speak to?

b.On what date?

c.How long was the conversation?

d.What was their position?

e.What telephone number did you call?

f. What is the name of the employee of your company that spoke directly to the above party?

g.What is the position of the employee of your company that spoke directly to the above party?

h.How long has that employee been employed by your company?

i.What formal training was provided to this employee to investigate items of this kind?

j.Was there any e-mail or written communication between members of your company and the above party?

8.If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.

9.Provide the date of the commencement of delinquency 10.Provide the SPECIFIC date reporting that these items will cease

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 2018-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: MARINER FINANCE, LLC
State: NC

Complaint narrative:
Two of my 'references ' were contacted by XXXX of the XXXX , NC office of Mariner Finance on XX/XX/2018 about a debt I have with Mariner Finance. I called XXXX after learning she had contacted these references. XXXX said she did this because she hadn't been able to reach me. When I responded that I had spoken to two people in her office just last week and had agreed to make a payment by the end of XXXX, XXXX said that the notes on her computer said this, but, she had to contact my references because she didn't have an exact date when my payment would be made, and couldn't reach me. I told her that I did not need to contact her prior to the end of the month because I had already agreed to make a payment by the end of XXXX. I told her to not contact any of my references about my debt.

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 2018-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have been charged {$5.00} monthly for XXXX XXXX credit life insurance without my acknowledgement. I contacted them around XX/XX/XXXX advising them of the charge and no action has been taken as of today XX/XX/XXXX. 
This was from best buy XXXX  card

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