vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Eagle Home Mortgage, LLC
State: VA

Complaint narrative:
XXXX   XXXX  in  XXXX  Florida, entrapped us as buyers of new construction to utilize their mortgage company ( UAMC ) to finance the second home purchase in  XXXX , Florida. We were offered that they would pay our closing costs, as long we used their lender. Their lender cam back to us with a very high interest rate and inflated fees to close on the home. We obtained a  Loan Estimate from another lender with considerable lower interest rate and lower  monthly costs. When we approached  XXXX  with matching or coming close to the other lenders pricing, we were told they are unable to. We asked to include closing costs and they were unable to, we asked for them to refund our good faith money and they refused, saying that we agreed to use their lender. This is a case of steering where they steered us to use their lender and then inflated costs and added points to the loan amount in order for us to use their lender.     Cost of  Home  {$320000.00} Amount of good faith money - {$16000.00}  Interest  rate offered by UAMC/  XXXX  4.0 % with  XXXX  discount points. Monthly mortgage of $  XXXX  per month Interest rate offered by our lender 3.87 % with  XXXX  points. Monthly mortgage of $  XXXX  per month.     All of these events occurred in  XXXX    XXXX   We notified  XXXX  UAMC  to  return our good faith money on  XXXX / XXXX /  XXXX   and they refused and threatened to keep it, if we do n't move forward with the purchase of the home.

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 2017-06-12 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: MO

Complaint narrative:
I recently received a copy of my credit report and it shows an inquiry by this company that I do not recall authorizing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On several occasions I have  notified Chase of unauthorized inquiries on my credit reports, but they continue to obtain my credit reports without my permission. I have not requested a card from them, but every couple of months I am notified of a  UNAUTHORIZED hard inquiry from my credit monitor. I do not have a card with this company and I want th em to stop requesting my credit reports without my permission. This ongoing action keeps lowering my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-12 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: Nicholas Financial Inc.
State: MO

Complaint narrative:
I recently received a copy of my credit report and it shows an inquiry by this company that I do not recall authorizing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CA

Complaint narrative:
In  XXXX   XXXX , I purchased  XXXX  {$500.00} prepa id Visa d ebit cards from a  XXXX  's grocery store in  XXXX   XXXX . They were issued  by U.S. B ank.  <P/> I attempted to use those cards, only to find out that they were n't activated properly. I called the number on the back of my card and was told to send a fax to  the Gift Card Activation de partment, which I did on  XXXX   XXXX ,  XXXX . I never heard anything back from anybody  at U.S. Bank.   <P/> Over the course of the next year, I would periodically attempt to check the balances on the cards using their online balance checker at   XXXX   XXXX   XXXX  . The cards never showed up on their online interface, so I assumed they continued to remain unactivated.  <P/> Frustrated, I finally called in again in  XXXX   XXXX  to investigate what was going on with my cards. It was then I learned that, despite being in my possession the entire time and nev er ( to m y knowledge ) being activated, the cards were totally drained of their balance. In fact, the cards were drained on  XXXX   XXXX ,  XXXX  - 2 days after I sent my fax. I was told to fill out a fraud form of some sort, which I promptly submitted. I was told that after filling out the form that  XXXX  new cards would be shipped to me.  <P/> My response fr om U.S. Bank  was frustrating, to say the least. They claim that they ca n't help me because I did not report the fraudulent activity within 120 days of the fraudulent transactions occurring. This, despite the fact that it would have been impossible for me to report any fraudulent activity, seeing as I did n't even know the cards were activated AND had no means of accessing information about the cards.  <P/> I still am unable to access the transaction history or learn any information about what happened with my cards, or how they were able to be used by another party despite being in my possession. I have reached out on several occasions over the past few months to no avail. My call s to U.S. Bank ha ve not resulted in any resolution, and nobody can explain to me how this all took place.  <P/> I thought I was out of options, but a colleague of mine referred me to CFPB, and I am now hoping you can help me get to the bottom of this.  <P/> Essentially, I have had {$1000.00} stolen from me. Please advise on what next steps I can take to get my money back.

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 2017-06-12 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: IN

Complaint narrative:
XXXX  complaint reference I disputed and those companies reviewed and said was accurate. Transition wants specific acct numbers and nature of dispute. The following  XXXX  accounts were denied by me in court All  XXXX  lawsuits were dismissed and not proven to be mine I wanted all reporting of these account and collection of said accounts removed from my credit report  XXXX ,   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: VIRTUOSO SOURCING GROUP, LLC.
State: AL

Complaint narrative:
XXXX  I received notice that my credit report had been hit with a collections account. Once I pulled it up it stated that it wa s Virtuoso which I received no notice what so ever via mail. Which violated my rights to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was informed that I was a victim of identity theft and was instructed to obtain my credit reports from all  XXXX  credit reporting agencies. I had no problems accessing  my  XXXX  &  XXXX  reports but get denied access by Equifax. They ask half a dozen security questions before allowing you to view it. All the security questions Equifax asked were regarding accounts I have no knowledge of preventing me to answer them correctly. I contacted Equifax directly asking how to handle the issue and they told me my only option was to send copies of two forms of ID ... Social Security Card ... by regular post mail. I explained I was n't comfortable sending those private documents through regular mail since I was just a victim of identity theft and have experienced problems with lost items by the USPS. The woman at Equifax said I had no other choice. Equifax denying me access to my credit report is preventing me from obtaining information I need to resolve the identity theft matter. I was recently denied a new job because of the unknown information that my credit report contains. The industry I work in relies heavily on consume r reports in the hiring process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 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: FL

Complaint narrative:
Once again the criminally negligent XXXX at one of the awful credit reporting bureaus have damaged my credit with false information! I 'm sick and tired of these high school drop outs attempting to destroy my credit! As CFPB must know by now I have filed complaint after complaint against these incompetent XXXX for continuously posting false collections, accounts and a variety of other misinformation on my credit report. Just about one hundred percent of the time after I submit my complaint they remove the lies they put on my report. Now Equifax has a new trick, they dropped my score by XXXX points for no reason at all! All my information was the same from just a week earlier. This financial libel they 're committing against me is a crime and has got to stop! I have worked hard to rebuild my credit and it 's not right for these XXXX to play with my credit wellness.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 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: NJ

Complaint narrative:
I continue to get inquires for credit I did not make.

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 2017-06-12 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: NJ

Complaint narrative:
I continue to get inquires for credit I did not make.

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 2017-06-12 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: NJ

Complaint narrative:
I continue to get inquires for credit I did not make.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 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: AES/PHEAA
State: GA

Complaint narrative:
My student loans was sold to FedLoan ( unbeknown st to me ). I 'm curren tly in forebearance and will be until  XXXX / XXXX / 17 , howeve r, FedLoan ha ve started reporting that I 'm delinquent as of  XXXX  of this year, after I completed my repayment certification in  XXXX . When I called them to try and get an understanding, the agent I spoke to stated she could n't find a reason why and confirmed my forbearance status and requested that I resubmit my repayment application. I completed it once again in  XXXX , sending in the requested income documents. Shortly after I received an email on  XXXX / XXXX /   17  stating that they received information that my name had changed, my name have n't changed in 7 years! This incorrect information has severely impacted  my credit score and have caused unwanted financial issues. FedLoan is one of the worst companies I have ever done business with and I ca n't wait until I am no longer a client of theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XX/XX/2017   Reviewing my statement online, from Comenity   XXXX   XXXX   XXXX   XXXX    ;  I noticed fraudulent charges by  XXXX  :   XX/XX/2017  {$23 .00}   XX/XX/2017   {$54.00}   XX/XX/2017  {$54.00}  XX/XX/2017  {$ 43.00} for a total of {$170.00} I called up the credit card company immediately to report the fraudulent charges.    On   XX/XX/2017  I recei ved a form to fill out, asking me to list the dates and amounts of charges ; duplicating what was discussed in a phone call on  XX/XX/2017.     I tried to go online to look this up, and I could n't because the credit card company blocked my access. I call the company, and they claimed I reported a lost or stolen credit card.   I did no such thing and I let them know it.   After filling out their form with what little info I had, I made a rubbing of the credit card on the form I submitted. I asked them to send me copies of those statements in question.   Upon receiving these copie s on  XX/XX/2017 , I re-subm itted a copy their form, writing in the missing info they requested. Even though they had that info when I spoke to them on    XX/XX/2017  ; which they recorded for " training purposes ''.
 XX/XX/2017  I just received a not  ice of my statement available online ; so I proceed to check statement. The fraudulent charges were not removed, no credit was issued.   I called up the credit card company, yet again. It is very difficult to get a person from their phone menu. I spoke to  XXXX  employee ID #  XXXX , and queried her about the discrepancy. She told me it takes them 60 days to review it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: IN

Complaint narrative:
Santander Consumer USA was the lender. <P/>The vehicle I had financed with them was repossessed by them sometime in the late summer of XXXX. To this day I do not know what the exact terms on the loan were. I feel like I was pressured into financing with them. They were terrible. I first became delinquent on the loan in XXXX during a time of financial hardship due to being in a small accident in the vehicle. I communicated with Santander often. I ended up loosing my home and became virtually homeless. Santander charged off my auto loan after being a month behind. The loan was showing as a charge-off/repo on my credit even before they attempted to repossess the vehicle. I had actually caught the account up and they informed me the auto loan would remain in charge-off status until the loan is paid off. This has damaged my credit report. Even after they repossessed the vehicle. They are still updating my credit report with increasing balances. They constantly report the account open and closed at different times, which causes my credit score to fluctuate significantly. While the vehicle was being looked for they threatened me to report the vehicle stolen to the police and have me arrested. Something that is illegal to do. Santander is a predatory lender and must be investigated. To me they are XXXX themselves. I really need help. I am trying to get a home. They have even forwarded this alleged debt to multiple collection agencies who did nothing but harass me and make threats and still kept this old auto loan open on my report. This has all caused me tremendous amounts of stress and anxiety and anguish.This corporation is very malicious.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have written Equifa x SEVERAL times  asking them to remove a fraudulent account from my credit report and to remove fraudulent inquiries. I provided them a police report, an FTC Identity Theft report, and a notarized Identity theft affidavit but, they refuse to remove the invalid information from my report. They placed a fraud alert on my credit report but maintains that I have no fraudulent accounts on my report. I do n't understand why they put the alert on my account if there was no fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My student loans was sold to  XXXX  ( unbeknowns t to me ). I ' m currently in forebearance and will be until  XXXX / XXXX / 17 , however ,   XXXX   hav e started reporting that I 'm delinquent as of  XXXX  of this year, after I completed my repayment certification in  XXXX . When I called them to try and get an understanding, the agent I spoke to stated she could n't find a reason why and confirmed my forbearance status and requested that I resubmit my repayment application. I completed it once again in  XXXX , sending in the requested income documents. Shortly after I received an email on  XXXX / XXXX /   17  stating that they received information that my name had changed, my name have n't changed in 7 years! This  incorrect information has severely impacted my credit score and have caused unwanted financial issues.   XXXX   is one of the worst companies I have ever done business with and I ca n't wait until I am no longer a client of theirs.

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 2017-06-12 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: AES/PHEAA
State: GA

Complaint narrative:
My student loans was sold to FedLoan ( unbeknownst t o me ).  I 'm currently in forebearance and will be until  XXXX / XXXX / 17 , howev er, FedLoan h ave started reporting that I 'm delinquent as of  XXXX  of this year, after I completed my repayment certification in  XXXX . When I called them to try and get an understanding, the agent I spoke to stated she could n't find a reason why and confirmed my forbearance status and requested that I resubmit my repayment application. I completed it once again in  XXXX , sending in the requested income documents. Shortly after I received an email on  XXXX / XXXX / 17  stating that they received information that my name had changed, my name have n't changed in 7 years! This incorrect information has severely impacted  my credit score and have caused unwanted financial issues. FedLoan is one of the worst companies I have ever done business with and I ca n't wait until I am no longer a client of theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 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: GA

Complaint narrative:
My student loans was sold to  XXXX  ( unbeknownst t o me ). I 'm c urrently in forebearance and will be until  XXXX / XXXX / 17 , however,  XXXX  have started reporting that I 'm delinquent as of  XXXX  of this year, after I completed my repayment certification in  XXXX . When I called them to try and get an understanding, the agent I spoke to stated she could n't find a reason why and confirmed my forbearance status and requested that I resubmit my repayment application. I completed it once again in  XXXX , sending in the requested income documents. Shortly after I received an email on  XXXX / XXXX / 17  stating that they received information that my name had changed, my name have n't changed in 7 years! This incorrect information has severely impacted my credit score and have caused unwanted  financial issues.  XXXX  is one of the worst companies I have ever done business with and I ca n't wait until I am no longer a client of theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 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: PA

Complaint narrative:
I have writ ten TranasUnion SEVERAL times as king them to remove a fraudulent account from my credit report and to remove fraudulent inquiries. I provided them a police report, an FTC Identity Theft report, and a notarized Identity theft affidavit but, they refuse to remove the invalid information from my report. They placed a fraud alert on my credit report but maintains that I have no fraudulent accounts on my report. I do n't understand why they put the alert on my account if there was no fraud.

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