vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-13 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: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
Ford Motor C- Pulled XX/XX/2018 ( I was not present at the dealership nor did I give consent to pull my credit, I told the sales counselor that I already got approved for a loan and he still decided to shot gun blast my credit with these hard inquiries ) XXXX XXXX- Pulled duplicate hard inquiry on XX/XX/18 while I was not present at the dealership. I demand that the unauthorized/duplicate inquiry be removed from my credit report. I was told that when my credit was pulled it'd only show as one hard inquiry. I was lied to and coerced by the sales counselor to pull my credit in the first place. As I have said before in the above comment, I was already approve by a company for an auto loan for a good rate. I was promised a better rate that did not take place. 

XXXX XXXX XXXX XXXX Pulled XX/XX/2018. I don't even recognize this company let alone did I give authorization to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I learned on XX/XX/2019, via mail that a vehicle had been purchased in my name from XXXX XXXX XXXX in XXXX, NC, on XX/XX/2019. The vehicle was sold on a loan made by Bank of America for the principal amount of {$84000.00}. Upon discovering this loan was made, I immediately contacted Bank of America and they confirmed the loan had been made. On the same call, I advised Bank of America that this loan was fraudulent and that I did not make it nor authorize it and determined that my identity had been stolen. I was notified by the Bank of America representative on the call that their fraud department was closed for the evening and that I would need to speak with someone the following day. The representative advised me that I would need to submit a police report for the case. I opened a case that very evening. After contacting the XXXX XXXX ( GA ) Police Department ( my  local department at the time ), I was notified that I would need to open a case where the fraud occurred, but they did issue me an incident #, XXXX. I contacted the XXXX Police Department and opened case # XXXX. I then contacted XXXX XXXX XXXX the evening of XX/XX/2019 and notified them that the vehicle they sold was not to me and that I did not authorize the use of my name nor credit, and they had sold the vehicle to someone using my stolen identity. 

XXXX XXXX of the Bank of America Fraud Division contacted me the following day and informed me that she would send me paperwork asserting my denial of financial responsibility. I completed the forms, had them notarized, and submitted them via registered mail to the Bank of America office in XXXX, CA ( XXXX, XXXX XXXX   XXXX, XXXX, CA ). I was notified by Ms. XXXX on or about the week of XX/XX/2019 that she received the paperwork and that I would have a decision within 30 days. 

After a number of follow-up attempts with Bank of America, with absolutely no response from them via email or phone, I was finally contacted today by XXXX XXXX in the same department. She notified me over the phone that the loan was deemed a non-fraud case, which is an absolute farce, because I never authorized the loan. As importantly, Bank of America did not notify me, neither through phone nor mail nor email that the case had been resolved. I had to leave numerous non-returned voice mails before someone contacted my back on XX/XX/2019. Bank of America maintains that I owe them for a loan I did not make nor had any part of. This has negatively affected my credit and prevented me from obtaining credit. Additionally, Bank of America sent me a harassing letter maintaining that I need to register a vehicle that I don't own nor have ever seen in the state of Georgia, or be in default of the loan terms.

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 2019-05-13 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: OpenRoad Lending
State: MD

Complaint narrative:
I did not authorize the following inquiries listed on my credit reports. I wrote a dispute letter to the companies and the credit bureaus. 

XXXX Open Road Lending inquiry XX/XX/18 XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/18 XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/18 XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX I received a response from XXXX XXXX XXXX XXXX indicating that the inquiries were made at the request of Open Road Lending and XXXX XXXX. So I contacted Open Road Lending and XXXX XXXX  who informed me that they can not assist me with deletion of the inquiries. I did not authorize credit inquiries one week apart.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 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: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT, I HAVE NOTICED A FEW INACCURATE ITEMS ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.

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 2019-05-13 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: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT, I HAVE NOTICED A FEW INACCURATE ITEMS ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I set up an online Ally back account on XX/XX/19. 
I attempted to deposit a check into the account on XX/XX/19. 
I received an email stating that the check was missing info on the Pay To : line. 
I resubmitted the check the same day. 
I received an email on XX/XX/19 stating that : We weren't able to complete this Ally Bank eCheck DepositSM because of one of the following reasons : The check contains an alteration on the front of the check The check had been previously deposited at another institution The check is from a financial institution located outside of the U.S. 
Please obtain a new check to scan and submit it as you normally would. 
The next day I tried to access my account and was told it had been fraud locked. 
I called the number provided XXXX and waited 45 mins on hold to speak to a Loss Prevention agent. He proceeded to tell me that I was trying to deposit a fake check and they would not be reopening my account. He stated there was nothing I could do and I had to wait until their investigation was over. 
I waited a week with no response. I called back 3 different times and left messages with no response. I shut by direct deposit off as soon as I realized they were not going to reopen my account. By this time two {$100.00} deposits had been made into the account from my employer. They didn't reject these deposits even though the account was frozen. 
I now have {$200.00} dollars sitting in a frozen account and the bank is flat refusing to allow me access to my money or even return my phone call.

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 2019-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Bluebird American Express denied my fraud claim. There are six transactions totaling {$2900.00}. The transactions are as follow : Store Purchase XXXX*XXXX XXXX {$310.00} XX/XX/19 Store Purchase XXXX*XXXX XXXX {$620.00} XX/XX/19 Store Purchase XXXX*XXXX XXXX {$620.00} XX/XX/19 Store Purchase XXXX*XXXX. XXXX {$510.00} XX/XX/19 Store Purchase XXXX. XXXX {$510.00} XX/XX/19 Store Purchase XXXX. XXXX {$310.00} XX/XX/19 all from XXXX. 

I have called many times to Bluebird fraud department and asked for information about why my dispute was denied but they say they can't answer those questions over the phone. I have mailed them a letter to Bluebird Customer Care at XXXX. XXXX XXXX XXXX, GA XXXX for an explanation of why my dispute was declined and I still haven't received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX- Pulled XXXX/XXXX/2018 ( I was not present at the dealership nor did I give consent to pull my credit, I told the sales counselor that I already got approved for a loan and he still decided to shot gun blast my credit with these hard inquiries ) Ally Financial- Pulled duplicate hard inquiry on XX/XX//18 while I was not present at the dealership. I demand that the unauthorized/duplicate inquiry be removed from my credit report. I was told that when my credit was pulled it'd only show as one hard inquiry. I was lied to and coerced by the sales counselor to pull my credit in the first place. As I have said before in the above comment, I was already approve by a company for an auto loan for a good rate. I was promised a better rate that did not take place. 

XXXX XXXX XXXX XXXX Pulled XXXX/XXXX/2018. I don't even recognize this company let alone did I give authorization to run my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Data Corporation
State: FL

Complaint narrative:
Received a letter from TeleCheck Services , Inc. No name attached, only address. Stated billing. XX/XX/XXXX through XX/XX/2019, total amount owed {$430.00} addressed to XXXX XXXX XXXX. 
Prior resident of this address has been deceased for almost 2 years. Current resident unaware of this company or any charges. Attempted to call TeleCheck services was asked for checking account number, routing number, date of birth, billing ZIP Code before any further information could be provided. When asked to speak to a manager, was sent to a generic voicemail.

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 2019-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
sent disputing letters about getting old items that keep reappearing on my credit report. since then the credit bureaus have not responded back to me in 30 days. Today i sent my non response letter to the credit bureaus hopefully they respond back sooner and removed these items. i sent letters to XXXX on Tuesday XX/XX/2019. XXXX Tuesday XX/XX/2019 and Trans Union Wednesday XX/XX/2019XX/XX/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 2019-05-13 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
sent disputing letters about getting old items that keep reappearing on my credit report. since then the credit bureaus have not responded back to me in 30 days. Today i sent my non response letter to the credit bureaus hopefully they respond back sooner and removed these items. i sent letters to Experian on Tuesday XX/XX/2019. XXXX Tuesday XX/XX/2019 and XXXX XXXX Wednesday XX/XX/2019 2019

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 2019-05-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Fair Financial Corp.
State: CA

Complaint narrative:
I Leased a vehicle through FAIR. I returned the vehicle 3 weeks ago. I keep getting billed for the weekly lease payments, which include insurance. Several attempts to contact the company through email, mail and phone have failed. 

Company Fair XXXX XXXX XXXX XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RECOVERY IS IN BREECH OF FRCA. THEY HAVE AN ACCOUNT ON M CREDIT I DO NOT OWE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: DE

Complaint narrative:
A medical collection agency is reporting a bill on my credit report which is against the law. My employer has paid the debt and nothing should be paid and this account should be removed off my report by 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 2019-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
My Daughter and I went to a XXXX XXXX in XXXX, WA. XXXX XXXX XXXX had a booth and a sales rep that basically made a HARD Sale. I purchased one of the beds and the mattress cover that was required in order to not void their warranty. The next day my husband and I decided to cancel the purchase and contacted XXXX XXXX. The bed was cancelled and we thought the entire purchase was voided. A few weeks to about a month went by when we received a package from XXXX XXXX. It was the mattress cover ( s ) for the bed we cancelled. We tried to deny the package, but the driver wouldn't take it back. I called the XXXX XXXX I had used before but was told they were not returnable. I never understood this. I attempted to contact another number but never got anyone that would explain why the entire purchase wasn't cancelled since I called the next day to cancel the entire purchase. I still have the mattress cover ( s ) unused in the original shipping box ready to send to anyone from XXXX XXXX. Instead of accepting the covers back, they chose to add additional charges and send my account to collections where we now have debt collectors from other companies harassing us daily. The original amount for these covers was {$260.00}. Now after looking at my credit report it's ballooned to {$500.00}. All I want to do is return these unused mattress covers for a bed we never got!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-13 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: MI

Complaint narrative:
I contacted Transunion today regarding my credit report. I saw that on my most recent copy of my credit report that there were a total of 15 fraudulent credit inquiries listed on my credit report from various creditors including credit cards and auto loans. I did not apply for any of these accounts and notified transunion of this. I asked Transunion to place these inquiries under a fraud dispute investigation and was told by the representative on the phone that they can not dispute any credit inquiries on credit reports even if they are related to fraud. Transunion is in violations of the FCRA by not disputing information on my credit report related to identity theft. I am filing a complaint against this company for that very reason. A credit bureau MUST dispute anything on a credit report that is related to fraud or they are in violations of the FCRA. I demand that the following inquiries be disputed on my credit report immediately. XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX   XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX   XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 2019-05-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I opened a XXXX XXXX  XXXX  account and on XX/XX/2019 attempted to transfer {$11000.00} into the account from an external Barclays Dream Account. On XX/XX/2019 Barclays notified me that an item had been returned. I subsequently called XXXX Customer service and was told that the transfer was marked as potentially fraudulent and that XXXX had attempted to contact me but could not get ahold of me to validate the transaction and therefore rejected it. I am unavailable during business hours while at work and had no voicemail or email from XXXX asking me to call to validate the transaction. It is unclear why this call to customer service could not have resolved the fraud concern. 

Because I had received an email from Barclays indicating the item had been returned, on XX/XX/2019, I attempted a second transfer of {$3000.00}, thinking a smaller amount would not raise fraud concerns. I did not know at this time the funds from the prior transfer attempt had NOT been returned to my Barclays account, and therefore the transfer was rejected due to insufficient funds. On XX/XX/2019 I received an email from Barclays indicating that an item had been returned and an email from XXXX indicating the transfer could not be completed. XXXX automatically tried this transfer again, with the same insufficient funds errors, and as a result of the two failed attempts, suspended my ability to transfer money into the account. 

I called Barclays customer service on XX/XX/2019 and was told to expect a call after they could research whether the funds were in a Barclays suspense account considering that the " dream '' savings account has a monthly deposit limit of $ XXXX/month, therefore the system may be rejecting the return of the funds. I received a call indicating that the funds were NOT with Barclays and that I should call XXXX to request they investigate the same. 

I called XXXX Customer service again on XX/XX/XXXX and was on the phone for 1 hour and 6 minutes with no resolution. I spoke with 2 different customer service representatives,  the last who told me that the funds were in XXXX 's system and possibly hadn't yet connected with Barclays ' system but could not tell me a date this would be resolved. 

I called XXXX customer service on XX/XX/XXXX and was told the funds were not with XXXX and to call Barclays. XXXX offered to wait on the line with me while I called Barclays customer service, but eventually told me they could not continue to wait and hung up.

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 2019-05-13 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
There is an inquiry that was placed on my credit report on XX/XX/XXXX and XX/XX/XXXX from XXXX XXXX XXXX XXXX Mastercard, I sent the company a dispute letter asking them to verify the inquiries because I did not authorize the company or anyone to submit any application. All the company sent me was a copy of the application they claim that I submitted. What I received from the company is not enough to validate this inquiry. 

I received the copy of the application today XX/XX/XXXX, this application was submitted fraudulently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-13 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: MI

Complaint narrative:
I contacted Equifax today regarding my credit report. I saw that on my most recent copy of my credit report that there were a total of 9 fraudulent credit inquiries listed on my credit report from various creditors including credit cards and auto loans. I did not apply for any of these accounts and notified Equifax of this. I asked Equifax to place these inquiries under a fraud dispute investigation and was told by the representative on the phone that they can not dispute any credit inquiries on credit reports even if they are related to fraud. Equifax is in violations of the FCRA by not disputing information on my credit report related to identity theft. I am filing a complaint against this company for that very reason. A credit bureau MUST dispute anything on a credit report that is related to fraud or they are in violations of the FCRA. I demand that the following inquiries be disputed on my credit report immediately.

Company response to consumer: Closed with explanation