vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-23 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: TN

Complaint narrative:
I am a victim of Identity Theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and TransUnion LLC, XXXX  and XXXX are still reporting these fraudulent accounts on my profile. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if the Bureaus fail to comply with federal law. The bureaus have failed to  comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please contact these bureaus about their illegal behavior and have then comply with federal law and respect the rights of Identity Theft victims, such as myself.

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 2018-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MS

Complaint narrative:
On XX/XX/2018- i submitted a complaint about not having a contract with XXXX XXXX XXXX and never doing business with them- The company sent the following reply- XX/XX/2018 RESPONSE TYPE Closed with explanation Company 's Response Our office is in receipt of the complaint filed by Ms. XXXX XXXX. We greatly appreciate the opportunity to respond. Ms. XXXX indicates she never had a contract with our company. Please note that Ms. XXXX had an account with our creditor-client, who placed the account with our office for collections. Ms. XXXX is however, disputing the account, so we have placed this account on hold and requested verification of the account from our creditor-client. We will send the documentation from our client to Ms. XXXX if and when it is received. Ms. XXXX is also requesting that we remove the account from her credit report, but please be advised that the account has not yet been reported. We trust this resolves your concerns. 

The response was noted on XX/XX/2018- I was not sent any copies of the documents that the company had in their files that was used to verify the claim, today is XX/XX/2018- not even 30 days, yet it is reporting on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL

Complaint narrative:
XXXX  XXXX XXXX sold my mortgage to Carrington. I paid my mortgage on time until they took over XX/XX/2018. Now they are saying that i'm {$2800.00} past due almost 6 payments. I was not behind in my payments. And the mortgage statement said this is after they took over. I have all bank statments to prove all the payments I made to XXXX XXXX   XXXX. And the one payment of {$510.00}. Also I wish to inform Carrington that XXXX XXXX XXXX got {$22000.00} and that have flat out refused to show me where the money went. And nobody seems to care. I have tried to resolve this with Carrington about i'm  not past due of {$2800.00}. And all they did was argue. They already trying to pull something shady.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 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: CITIBANK, N.A.
State: MN

Complaint narrative:
Dear Madam/Sir : A check of credit balance for {$66.00} was issued to me on XX/XX/2018 by the Citibank, perhaps because of the part of the policy not to hold consumers ' credit balance for more than 2 months ( and not at my request, I never made such request either verbally or in writing ). Even before issuing this check Citibank put a charge ( debit ) on my account for {$66.00} on XX/XX/2018 and then issued the check on XX/XX/2018. ( plase see the XX/XX/2018 statement sent to you ).  The Citibank says that a debit of {$66.00} was put to my account to remove the credit balance, which is quite illusive and misleading. If the credit check was issued to me be by mistake for which I was not entitled then only a charge could have been pushed in to counter it, else the charge should not have been pushed in. This action has reduced my credit balance for the month of XX/XX/2018, by {$66.00} or voided the check already issued to me.. 

So far closing my account wih the Citibank is concerned, I did not just close my account because of this, but due to many other reasons including unjustly denial of my conditional credit by Citibank, saying that it gave me condional credit even befor I initiated the dispute orr even before I purchsed the item in dispute. 

Even after closing my account with Citibank, Citibank called my home on XX/XX/2018 at XXXX XXXX from the phone # XXXX, registered with CITI ( Call log attached ). This is unethical on part of the Citibank. This contitutes a harrassment to vulnerable adults in the state of Minnesota also violates federal rules and Citibank 's own policy. 

Regards,

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 2018-10-23 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: GA

Complaint narrative:
XXXX stated I opened an account with XXXX/XXXX XXXX XXXX on XX/XX/2015. i never opened an account with XXXX XXXX XXXX  or XXXX on XX/XX/2015. I have asked this company to provide signed application, copy of drivers license and they have refused to do so. This is identity thief and I want this fraudulent account remove from my credit file. I have also asked Equifax to remove this account and investigate this account and they refused to do so. I'm not sure why Equifax is allowing a fraudulent company report fraudulent account to consumer credit file. The account number is XXXX per XXXX  please send me copies of where I signed credit card receipts since XXXX and XXXX XXXX is saying I owe {$610.00}. The Fair Credit Reporting Act, 15 U.S.C. 1681 is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. Equifax is not following The Fair Credit Reporting Act and I want something done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I got a loan through Navy Federal In XXXX  Ga on XX/XX/2018 for XXXX. It was for a used car from XXXX XXXX XXXX. I had called Navy Federal the morning of XX/XX/XXXX so under 24 hours and asked to put a cancelation on the loan because the vehicle I had safety concerns and my wife was scared to drive it. I had then returned the vehicle to XXXX XXXX and he refused to give me my check back. So I called Navy Federal and talked in person to 5 different people and they all told me that the cancelation was in process and theres no way the loan could go through and if XXXX XXXX tried to process it then it would get denied and sent back to him. I then get a call 15 days later saying the check had processed and there was nothing I could do about it. XXXX XXXX had forced payed my check by saying I had possession of the vehicle I haven't had the vehicle for almost a month now but Navy Federal never called me when Mr XXXX  told them that. I then told the lady that called me that I wasn't going to pay on a vehicle I don't have and she told me that they would force take money out of my account if I didn't make the payment. I have a lawyer right now for XXXX XXXX as well. I also asked the lady if I could have an investigation on the recordings of the phone calls since the people told me the check could never get processed and she told me I couldn't do that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Optimum Outcomes, Inc.
State: MD

Complaint narrative:
OPTIMUM OUTCOMES, INC/XXXX XXXX XXXX   ACCOUNT # : XXXX ; XXXX ; : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Unfair and Deceptive Business Practices : Maryland law Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) Remove these four credits information from my report. I contacted XXXX XXXX XXXX on Tel : ( XXXX ) XXXX. I spoke to Ms. XXXX XXXX. She wants me to contact Optimum Outcomes to produce itemized statements and signatures that shows why they put my name with XXXX, XXXX, and XXXX. XXXX XXXX XXXX XXXX is a billing company that is located in XXXX XXXX XXXX XXXX XXXX, IL XXXX. It is not a medical /Health as claimed by Optimum Outcomes. and no office in XXXX XXXX.

I contacted the Optimum Outcome but refused to talk to me. I want to know where they got my name, and I need documentation where I signed for medical treatments. I want to know if XXXX XXXX XXXX is a medical center as claimed by them or billing company and if billing company, I need documentations for what they are billing for and for which doctor.

Remove all hard inquiries on my credit report if no signature exemplar is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DRB-40, LLC
State: MS

Complaint narrative:
I received a call from Mr. XXXX from XXXX who immediately asked to verify my information ( ssn, DOB, and address ) without informing me who he was. When I asked who I was speaking with, he stated he was from Diversified Recovery. I continued to ask what the nature of his call was he immediately advised that I was refusing to answer his questions and continued to tell me that he was recording the call and it could be used to sue me because I refused to verify my information. He then hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello I had looked at my credit score recently and noticed equifix had an error on my address which I would like removed as I have never lived there or been associated with the following address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I had spoke to a customer rep and they had said they would remove from my file and never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 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: TN

Complaint narrative:
I am a victim of Identity Theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and XXXX  XXXX, XXXX  and Equifax are still reporting these fraudulent accounts on my profile. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if the Bureaus fail to comply with federal law. The bureaus have failed to comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please contact these bureaus about their illegal behavior and have then comply with federal law and respect the rights of Identity Theft victims, such as myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 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: TN

Complaint narrative:
I am a victim of Identity Theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and XXXX XXXX, Experian and XXXX  are still reporting these fraudulent accounts on my profile. The law is very clear as to the civil liability and the remedy available to me ( section  616 and 617 ) if the Bureaus fail to comply with federal law. The bureaus have failed to comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please contact these bureaus about their illegal behavior and have then comply with federal law and respect the rights of Identity Theft victims, such as myself.

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 2018-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CHARLES SCHWAB CORPORATION, THE
State: VA

Complaint narrative:
I went online to open a Schwab Bank High Yield Investor Checking Account on Wednesday XX/XX/2018, per the advice from the banker I spoke to over the phone. After entering all of the required information, a Terms & Conditions disclosure screen displays. The screen has several section 4-6, with each section requiring lengthy scrolling and acknowledgments of each section, prior to opening a checking account with Charles Schwab. After I opened the account, I was prompted to set-up my online login information ; afterwards I was in my account Dashboard. 

Within 5 minutes of doing this, I received two email alerts from XXXX and XXXX  stating that a hard pull was just performed on my credit report from Charles Schwab Bank. This, in my opinion, was not a truthful or transparent transaction that occurred with this bank. See attachments of online sign-up process, note the lack of disclaimers at multiple consumer touch points. 

Immediately, I reached out to the bank through their " Live Chat '' feature to inquire about what had just occurred. The support banker simply stated that on line 17, or section 17, there was a notice that Charles Schwab bank can, will, and plans to use  the customer 's credit information how they seem fit, and at will, in order to make proper financial decisions. 

I believe Charles Schwab Bank should be held to the same standards as other Bank, Credit Card companies, Loan Products/Companies, and even Instant Loan Companies who offer any sort of credit inquiry products. Currently, these financial  companies clearly and transparently state the affects its/their products will have on the consumer 's credit BEFORE a transaction is started or completed.

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 2018-10-23 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: IN

Complaint narrative:
I recently seen there was unauthorized credit inquiries on my credit file which I had not authorized, they were all ran on the same day as if my credit report was ran multiple times by multiple lenders. I haven't been running my credit or gave authorization to anyone to run it. I'm hoping to get this resolved in a timely manner. 

XXXX  has the following unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Equifax has the following unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has the same inquiries as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 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: IN

Complaint narrative:
I recently seen there was unauthorized credit inquiries on my credit file which I had not authorized, they were all ran on the same day as if my credit report was ran multiple times by multiple lenders. I haven't been running my credit or gave authorization to anyone to run it. I'm hoping to get this resolved in a timely manner. 

XXXX  has the following unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has the following unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian has the same inquiries as 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 non-monetary relief
Consumer complaint received 2018-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Regional Management Corporation
State: NC

Complaint narrative:
XXXX XXXX has been calling not only me, but several of it's customers threatening to take personal property, threatening to take them to court when no legal documents have been served and using abusive language, harassing family members and calling my place of employment after i told them not to. Much of this illegal behavior occurred during XXXX, XXXX and XXXX of 2018. However, I'm sure it has been going on for much longer than my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Hello On XX/XX/2018 I had a car accident. I was out of work for over 5 weeks. My car was declared total lost. 

on XX/XX/2018 I had made a payment in the amount of {$430.00} to pay for my XX/XX/XXXX payment. 

Irregularities. since my car was declared total lost I was waiting to see how much insurance company will pay and Gap Insurance. I never heard anything from Ally at all.

My Gap insurance denied the claim because I had skip 2 payments due to Natural disaster hurricane Irma back in XXXX ( I have never been late ). 
I'm looking at the account online 4 months later and now the account is back online Which they had taken access away since it was a total lost vehicle. Now is back online and it says I'm 6 late. this was on XX/XX/XXXX I notice this. I immediately call Ally to make a payment arrangement and they say there is nothing they can I do that I have 4 more days to make a regular payment. Then they transfer me to another department ( XXXX ) and this department offer me an settlement of {$690.00} on XX/XX/2018 at the time I did not had the money in my bank account therefore I told them let me gather the money I will call back. 
Now they are telling me that I do not qualify and that they don't do that even when they see in their system the comments on this day by their own repetitive. 
also the Irregularities of this company and I need an explanation of all the transactions they have posted to this loan after XX/XX/2018. The company is showing on XX/XX/ a Unpaid balance reduction of {$550.00} then on XX/XX/2018 a payment of {$17000.00} then they reserve the payment of {$17000.00} ( this was the insurance payoff ) then they reserve this payment on the same day XX/XX/XXXX and posted a payment for {$870.00} then more reversals etc. when my last payment was received XX/XX/2018 {$430.00} since my accident was XX/XX/2018.

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 2018-10-23 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was out of the countries for 14 months while I was gone my chase freedom card along with 2 other cards were being used In Florida when I was in the XXXX XXXX. I came home to letters from chase and saying I owe almost 11k I didnt even use my card I filed many complaints with including letters and fraud no one has done nothing

Company response to consumer: Closed with explanation