vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TCF FINANCIAL CORPORATION
State: MI

Complaint narrative:
I received a statement from  Chemical Ban k reflecting a balance of {$75.00} consisting of a {$75.00} annual fee for the line of credit PLUS  a 0.18 in terest charge.  Chemical  Bank also charged the {$75.00} against my line of credit.     When I called to inquire about this practice, I was informed that it was permitted by my contract. In all previous years, when the Bank  (  including their predecessor   XXXX   XXXX    )  sent an invoice for the {$75.00} fee, it was paid promptly.     This appears to be little more than an attempt to extract a paltry  0.18 i n addition to their fee.

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 2017-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have mailed a multiple inquiry removal letter on   XXXX   in order to dispute information on all  3  credit reports. in regards the hard inquiries that are being reported on my credit reports. The request i submitted included hard inquiries that are not factual and i recieved the same response for ALL inquiries, which stated all inquiries are factual record of file access. If you believe this was unathorized contact creditor. According to FCRA Rules, F CRA 623 ( B ) ( 2 ) AND 611 ( A ) ( 1 ) it states that any information can be disputed and MUST be investigated and if you do not investigate and respond, the cra mist delete disputed informa tion from its files. The fact that i recieved a response 4 days later one can only assume there was no investigation, I am submitting this complaint due to lack of investigation. This is unfair pratices by the credit reporting agencies with no concern for the consumer credit worthiness.     these are the disputed inquiries   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   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   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    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    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   Bank

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 2017-04-24 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: TX

Complaint narrative:
I have mailed a multiple inquiry removal letter on   XXXX   in order to dispute information on al l 3  credit reports. in regards the hard inquiries that are being reported on my credit reports. The request i submitted included hard inquiries that are not factual and i recieved the same response for ALL inquiries, which stated all inquiries are factual record of file access. If you believe this was unathorized contact creditor. According to FCRA Rules, FCRA  623 ( B ) ( 2 ) AND 611 ( A ) ( 1 ) it states that any informa tion can be disputed and MUST be investigated and if you do not investigate and respond, the cra  mist  delete disputed information from its files. The fact that i recieved a response 4 days later one can only assume there was no investigation, I am submitting this complaint due to lack of investigation. This is unfair pratices by the credit reporting agencies with no concern for the consumer credit worthiness.     these are the disputed inquiries    XXXX   XXXX   XXXX        XXXX   XXXX   XXXX       XXXX   XXXX     XXXX  Finance   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     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   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     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   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 2017-04-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
While going through paperwork I found an Automatically Renewable Personal CD that was opened at  XXXX   XXXX   XXXX  Bank in  XXXX , NJ on   XXXX   XXXX   XXXX   XXXX  n the amount of {$4600.00}  XXXX   XXXX  was purchased by  Wachovia and then Wachovia was purchase d by  Wells Fargo Bank. I went to my local Wells Fargo branch  office with the  XXXX  and I was told that the  XXXX  is too old and they have no way of tracking it. I was instructed to go to the state of NJ - Department of Treasury for unclaimed property. ( https :  XXXX   )  NJ has no record of my money.  I then phoned Wells Fargo again. I was informed that they researched and again have no information. Please note, that I have the Original Time Deposit Automatically Renewable Personal CD with   Account Number in my hand. Thank you for any assistance that you can provide.

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 2017-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: JDJ Investments, INC.
State: LA

Complaint narrative:
Credit bureau services contacted a provider   XXXX   XXXX   in reference to an alleged debt concerning me.   XXXX   XXXX   in turn released my alleged medical treatment provided by him. He did so without my consent. By   XXXX   XXXX   giving Credit Bureau Services my information that is an direct violation o f HIPPA  rights.   When speaking to the representative from Credit Bureau Services she stated she was in possession of my record and proceeded to mail an copy by regular mail where anybody could have came in contact with the information.   I am attaching copies of records sent to me from Credit Bureau Services

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
Paid off Student Loans through  2  separate electronic payments one for Education Loans and  one  for Private loans. Navient provided me both payment addresses to send my check to. Well they received the check and processed them all on my  Education  loans. Now they are saying that it is my fault because I sent the checks to the wrong addresses. They say it will ta ke 4-6 weeks to refund one of the checks and re allocate to the correct loan. This was 60 days ago. They are now reporting that my  loans are 60 days past due to the credit bureau which has brought my score down by  XXXX  points and still calling me on a daily basis asking for a payment. They told me until the payment is processed correctly my loans are past due and they ca n't remove it from my credit on their end. Paying off my student loans should have made my score go up and should be celebrated, but it 's been a nightmare dealing with Navient. I am thinking about taking legal action.They are fraudulent and criminal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: TN

Complaint narrative:
In  XXXX    XXXX   a collection of  XXXX  was added to my credit reports. Company never notified me through mail, phone or email. Debt just appeared on my credit reports. After filing a complaint midwest recovery systems removed collection. However the debt is now back on my report.  XXXX  reporting as open. This is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: FL

Complaint narrative:
i borrwed  XXXX  dollars and paying  XXXX  each payday ever y two weeks  and the amount i pay didnt credit my account. They are charging me over  XXXX  dollars in interst for a  XXXX  dollar payday loan. I cant afford.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I opened an  HSBC  account checking account in  XXXX ,  XXXX  when  HSBC  had a promotion of {$350.00} for opening a new banking account with it. I received my bonus on  XX/XX/XXXX  after I fulfilled all requirements. However, I never received the IRS  XXXX  in  XXXX   XXXX   XXXX   when bank was supposed to provide to customers by  XXXX . Customer service representative informed customers that HSBC wo n't sent out until  XX/XX/XXXX      Surprisingly,  HSBC  sent out the IRS  XXXX  form on   XXXX   XXXX   XXXX   with a letter admitting their mistake and oversight. They further offered customers the reimbursement of any cost of amending tax return filing.     On  XX/XX/XXXX , when I called the customer care number on the letter after I refiled my tax return. The first rep was not aware of this issue, and put me on hold while contacting her supervisor. The phone call was dropped after 37 min of hold. I called back immediately, and another rep answered and said she knew the issue. But she said there was nothing she can do and hang me up without any hesitance.     The whole issue was caused by the " oversight '' mistake from HSBC side, and it sent out an apology letter and offered some assistance. However, its customer care reps instead of helping customers out as indicated in the letter but treating customers unprofessionally, and refused to honor its own company 's notice to help. Based on customers 's comment online including but not limited to blogs, social networks, what happened to me was quite ubiquitous.This is not acceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Made numerous contacts to  Trans Union  about this  XXXX   XXXX  account and submitted actual billing from this agency listing the  XXXX   XXXX   XXXX   XXXX   XXXX  as the primary payer of this account. I submitted numerous requests with proof that the bill was not mine and to no avail. I spoke with  Trans Union tod ay and my latest disputes were not listed and the most recent was   XXXX   ( cancelled  )  and redisputed in  XXXX . I submitted documents to Tamaya from special department on   XXXX   XXXX   to a wrong fax number and later sent to main  Trans Union  fax in attention to the Special Dept attn :  XXXX  : According to a  Manager at Trans Union  there are no records of these documents " ever '' been submitted. I can provide proof as far back as the last 2 years! According to  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  did not submit proper billing information to be paid. In  XXXX  I attempted  XXXX  between the  XXXX  companies when I was " somewhat '' mentally stable and it got to the point where the representatives were becoming frustrated and rude stating that I would have to pay the bill. I did not regain full mental competence until   XXXX   and tried to reach out to the company in which they refused to follow through with  XXXX  to receive payment. I do not owe this bill and believe that  XXXX   XXXX  should have removed these amount  ( s  ) from my credit reports since I would not have been able to " competently sign '' any agreements due to my mental states

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 2017-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Perfection Collection
State: FL

Complaint narrative:
I realize that, Perfection Collection LLC from  XXXX  Utah, put information regarding a   XXXX   XXXX   account for  XXXX  $ to the Credit Bureau without contacting or notify me. I call and  XXXX   XXXX   XXXX  offer me a settlement for half of the balance, I say no because they is unable to validate the debt and beside of that is not licensed to collect in my State.   I`m sending certified letter today after couple of conversation with  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: COMMERCE BANK
State: MO

Complaint narrative:
Commerce Bank,   XXXX   XXXX  ,  XXXX   XXXX .     I originally signed up for an account that had no fees for simply having the account. Turns out they at some point switched this account to a different type without my consent. I have been getting charged {$8.00} per month for quite some time.     When I went to address the problem, I was told by the representative  XXXX  (  XXXX   ), a nd then by the branch manager,  XXXX   XXXX , that I should have been paying attention to my statements. My contention was why should I have to when I trusted  Commerce  to abide by our original account type.      XXXX  refunded 3 months,  XXXX  another 3 months, but they would not do anything further to help, and insisted this was not their doing, but my oversight in not keeping an eye on my account.     This, to me is a blatant bait and switch tactic designed to take advantage of just such scenarios. I did not consent to having my account type switched. I signed up for a student, free account, and have in fact been a student until  XXXX    XXXX  . I have had numerous conversations with Commerce reps over the years and not once have any of them admitted to or notified me of the fees, even when I brought up the free account type.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I have   a Amazon visa rewards card through Chase. I have my automatic payment feature setup through their customer portal. It is currently set to full amount, but I have had a minimum amount applied every time the autopay date rolls around. I will be attaching some screenshots showing my autopayment hold from my bank account, the auto-payment settings, and my current account balance after having autopay apply payment.
I have seen this several times and I believe this is a scheme to defraud people 's payments in order to increase interest rate payments at Chase. This is un  acceptable behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 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: EQUIFAX, INC.
State: MS

Complaint narrative:
In   XXXX   in was subjected to fraud. I contacted my creditor ' ' s (   equifax,  XXXX  and  XXXX  ) to file a indentity theft and to get my accounts taking cared of. They did so in   XXXX   XXXX    XXXX  - {$470.00},   XXXX   XXXX  - {$1000.00}   XXXX   XXXX   {$580.00} and  XXXX   XXXX  {$810.00} was deleted off of my credit reports. In  XXXX  these  XXXX  acconuts were updated and added back to my account. I contacted the  XXXX , equifax and  XXXX  to explain to them these are not my accounts they never were. These accounts where made under fraudulent pretenses that I had no knowledge about. I stated these same accounts were deleted in   XXXX   due to myself being subjected to fraud.   XXXX   stated it was disputed before and verified and there is nothing they can do. They told me to file a complaint by the FTC regarding my accounts.  XXXX  and equifax stated they would submit another dispute, that 's was in   XXXX   XXXX   but nothing has been deleted. These accounts are still on my credit report and they do not belong to me. I demand these accounts be removed from all  XXXX  of my credit files so that these fraudulent accounts can stop hendring me from proceeding with my government job.   Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 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:
XXXX   XXXX   is pulling hard inquiries without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 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: KY

Complaint narrative:
I am writing to dispute the following information in my file. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to improve my credit.     I have sent in formal letters to all credit reporting agencies, as well as faxes, and made several phone calls.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insura nce C. Employment D. Court Order T he following credit inquiries are related to none of the aforementioned permissible  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    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   XXXX / XXXX / XXXX  Please remove these inquiries from my credit report immediately

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 2017-04-24 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: KY

Complaint narrative:
I am writing to dispute the following information in my file. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to improve my credit.     I have sent in formal letters to all credit reporting agencies, as well as faxes, and made several phone calls.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insuran ce C. Employment D. Court Order T he following credit inquiries are related to none of the aforementioned permissible  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 / 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 / XXXX / XXXX  Please remove these inquiries from my credit report immediately

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