vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
A credit inquiry made on my Transunion credit report on XX/XX/XXXX by XXXX. I did not contact on this date to establish any type of service. As of XX/XX/XXXX, I placed a fraud alert on my credit file because of all the different things going on with hacking and scamming. I contacted both Transunion and XXXX without resolution.

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 2017-07-13 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have tried to have some hard inquiries investigated and deleted from your company as they are hurting my credit score and the excuse that I get is they are statement of fact. This is not true and your company has failed to do the job laid out by the FCRA. I want these inquiries investigated and deleted.
here is a list of inquiries on my report that should be investigated and deleted XXXX XXXX XXXX XXXX XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The credit reporting agencies will tell you that credit inquiries are just a statement of fact and can not be removed. This is not true. FCRA Rules state that any information can be disputed and must be investigated.
<P/>
Credit inquiries made without permissible purpose can be removed. Additionally, the FCRA states you can sue for damages in the amount of {$1000.00} for each instance a company pulled your credit report without your permission.
<P/>
Credit inquiries made without your permission can indicate fraud ; in which case the credit reporting agencies may put a fraud alert in your files. A fraud alert will make it difficult for anyone, including you, to access your credit report without your permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 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: ERC
State: NV

Complaint narrative:
Enhanced Recovery Collection agency has recently placed a negative account on all 3 of my credit reports with XXXX, XXXX, and XXXX on XX/XX/XXXX. I do not have a contract with this agency, nor am I responsible for this  debt. The company has not validated this debt, they have only sent an itemized bill without my signature on it. The account number is : XXXX in the amount of {$230.00}. The original creditor is XXXX. In XX/XX/XXXX, this debt was showing on my credit with XXXX XXXX XXXX, which in turn sold this account to ERC or Enhanced Recovery Collection agency. Once I disputed this debt and negative account with XXXX in XX/XX/XXXX, XXXX XXXX immediately took this debt off of my credit report and did not want anything to do with me disputing this inaccurate information. On XX/XX/XXXX I was told by XXXX that this would be deleted off of my credit and that they had sent letters to all 3 Bureaus. The debt was taken off of my credit. Now, fast forward to XX/XX/XXXX, this same debt re-appears on my credit without my knowledge, and with a different collection agency called ERC. This is unfair debt collection practices. I want this inaccurate, no contract, not liable, negative debt and account removed from all 3 credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: KY

Complaint narrative:
1. I applied for a XXXX XXXX via Rocket Mortgage on XXXX XXXX 2017 2. I worked with XXXX XXXX to provide all details of my situation and was issued my pre-approval letter on XX/XX/XXXX. I disclosed that I was an US Citizen but living and working abroad at this time and that this was to be an investment / rental property. There were no concerns expressed and the pre-approval letter issued. 3. On XX/XX/XXXX XXXX XXXX asked me to call her back and I was informed that since I was not physically residing in the US that they were not able to proceed. I requested in writing the formal reason for such and was connected with XXXX XXXX. 4. Spoke with XXXX and requested a formal letter stating the reasons for the denial and advised that this was discriminatory lending as I met all financial terms and conditions. 5. On XX/XX/XXXX, XXXX emailed to state that he had reviewed and that due to my non US residency that " financing is not allowed ''. 6. I replied on XX/XX/XXXX stating that this is not a " law '' but a practice by Quicken Loans and is discriminatory. I again requested a formal letter stating the reasons for why I was being denied so that I could take appropriate legal action. 7. On XX/XX/XXXX XXXX emailed to state that " Quicken Loans will not be providing a letter and do not agree with the assertion that we are discriminating. We will respond accordingly to any lawsuits and vigorously defend ourselves ''. 8. On XX/XX/XXXX I re-emailed stating that I was entitled to an formal letter as to the reason for the denial and cited FTC website stating this must be provided in writing. <P/>Due to the aggressive response of XXXX and the refusal to provide the letter and continuing to hold to the discriminatory position I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This account is not mine was disputed back 2016 ans it was remove from my credit bureaus, Not it appears that new collection agency has being assign, And once again had reported to Experian and XXXX, please see attachment credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Every time I would turn around there would be another bill from navient in regards to my student loans in the mail even after me requesting on several occasions a fixed income repayment plan of some sorts no matter how many phone calls I would make no matter how many times I would fill out paperwork it seems like I would still continue to get these envelopes full of payment plans or a forbearance set of paperwork rather than something that would help me with my economic hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 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: MD

Complaint narrative:
On XX/XX/2017, a charge in the amount of {$350.00}, from XXXX on my Citibank credit card account ending # XXXX, which I immediately disputed a fraudulent, no services rendered. Citibank issued a conditional credit in the amount of {$350.00}, and stated the charge would be investigated. XXXX 2017, Citibank recharged my account {$350.00}, and said XXXX said the charges were for a hotel and the consumer never disputed said charge directly with XXXX. I again reached out to Citibank and disputed the charge asked for a copy of an itemized receipt showing how the charges were calculated and proof of signature and identification. To date Citibank has refused to provide copies of receipts or validated said charge with identification. Citibank requested additional documentation which I emailed the following : 1 ) Copy of a letter to XXXX CEO disputing said charges and requesting itemized receipt. 2 ) Copy of email from XXXX refusing to provide a copy of itemized receipt. 3 ) Copy of letters to state officials charging XXXX with deceptive fraudulent billing. Citibank asked me to complete and sign an additional form and return with the above mention support documentation and said a credit would post within 7 to 10 business days. When the credit did not appear and I reached out to Citibank claimed XXXX provided a copy of a bill and said charges were made online, but could not prove how, provide IP address or copies of receipts. Instructed me to dispute as fraudulent and close get a new card which I did prior to completing Citibank form and sending support documentation. <P/>Citibank is engaging in deceptive business practices and in conjunction with XXXX defrauding consumer to make monies off the consumers account balances and finance charges. Although I provided proof and disputed said charge Citibank accept no proof from XXXX to keep said charge on my account.

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 2017-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have tried to have some hard inquiries investigated and deleted from your company as they are hurting my credit score and the excuse that I get is they are statement of fact. This is not true and your company has failed to do the job laid out by the FCRA. I want these inquiries investigated and deleted. <P/>here is a list of inquiries on my report that should be investigated and deleted XXXX XXXX XXXX XXXX XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The credit reporting agencies will tell you that credit inquiries are just a statement of fact and can not be removed. This is not true. FCRA Rules state that any information can be disputed and must be investigated. <P/>Credit inquiries made without permissible purpose can be removed. Additionally, the FCRA states you can sue for damages in the amount of {$1000.00} for each instance a company pulled your credit report without your permission. <P/>Credit inquiries made without your permission can indicate fraud ; in which case the credit reporting agencies may put a fraud alert in your files. A fraud alert will make it difficult for anyone, including you, to access your credit report without your permission.

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 2017-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
This Bank of America credit card account was opened by my ex wife nearly 2 years BEFORE we were married. In our divorce decree, she agreed to take responsibility for the account because it was solely hers. I never had access to the account, nor did I ever use it. Shortly after our divorce, she quit making payments and B of A attempted to collect from me. She later filed bankruptcy and this B of A account was covered in that bankruptcy. Regardless, B of A has continued to attempt to collect from me. I have made several attempts to contact them to have this removed from my credit, once with a financial advisor who works for XXXX XXXX XXXX, but B of A refuses to give any information or help in any way without providing money or a payment. I have asked them to provide any type of document where I have used the account or signed an agreement of financial responsibility, but they have not done so. I have spend hours trying to receive these documents but have only been run around in circles on hold. The address they have on file for this acct, I have NEVER lived at. My credit is nearly perfect, this is my only blemish on there. I pay my bills on time every time.

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 2017-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: CT

Complaint narrative:
schlee & stillman a debt collection company by and through XXXX XXXX XXXX, who claims to be representing XXXX XXXX, and put a action in JUDICIAL DISTRICT OF XXXX, which is not the proper venue, and it appears that this " complaint '' was brought by a " third party " for a " alleged debt '' that was not validated or verified, by the alleged " creditor '' or a affidavit of debt, was submitted, after numerous notices of dispute was sent to the third party and XXXX, which was not validated in accord with 15 usc 1692g, or GAAP, as a consumer i never gave consent to contact " the consumer '' as i third party has no authority to do so 15 USC 1692C, XXXX XXXX is claiming to be a attorney without proper Power of Attorney form ( form XXXX ) or a license for a debt collecting company in the STATE of Connecticut, and is using the JUDICIAL DISTRICT OF XXXX, to send abuse communicating in a attempt to get the consumer to default and for the consumer to file for bankruptcy, case number XXXX JUDICIAL DISTRICT OF XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SYNCHRONY FINANCIAL
State: VT

Complaint narrative:
I have had ongoing issues with Synchrony Bank 's IRA fund division. Paperwork is routinely lost and Synchrony is unable to locate it two weeks later. I have on repeated occasions filed by fax the required paperwork to transfer IRA funds from my XXXX mutual fund account to my Synchrony money market account. The paperwork has been lost by Synchrony despite Fax confirmation of receipt. I have had to continually call to track where my funds and transfer request are. I have dealt with a senior IRA representative at Synchrony, XXXX XXXX, who repeatedly apologizes through the problems remain ongoing and unresolved, requiring me to check my account on a daily basis to ascertain the whereabouts of my missing funds. <P/>On this latest occasion, I had to twice file faxed paperwork to transfer {$10000.00} from my XXXX account -- {$7000.00} from one mutual fund and {$3000.00} from another fund -- done in a single transaction. Those funds were dispersed by XXXX on XXXX XXXX,2017 and {$7000.00} was deposited into Synchrony Money Market on XX/XX/XXXX. It is now XX/XX/XXXX and the {$3000.00} transferred amount was never deposited to my Synchrony account and there are no transactions pending on the Synchrony webpage of my account. <P/>I have just spoken to a Synchrony representative on XX/XX/XXXX at XXXX XXXX and they have no idea where the money is. I am particularly XXXX as I am investment and computer literate and yet continually encountered problems requiring careful and ongoing monitoring on my part. Other depositers may have disappearing funds they are not even aware of. <P/>Please look into the operations at Synchrony because I think there may be a fraud issue involved. Thank you for your diligence and for your oversight. <P/>Best 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 monetary relief
Consumer complaint received 2017-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The following inquiries were taken off my TransUnion credit report and then added back on. The law states that they must notify me that they were putting the inquiries back on my report and failed to that. I never authorized these inquiries and TransUnion took them off. They put them back on my credit report without my knowledge and did n't send me a letter saying that they was putting the inquiries back on my credit report. XXXX/XXXX XXXX XXXX 2017, XXXX/ XXXX XXXX XXXX XXXX 2017, XXXX XXXX XXXX 2017, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2017, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2017, XXXX XXXX XXXX XXXX 2017.

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 2017-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
This company keeps calling me on my cell phone. I keep telling to stop calling my cell but they keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 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: Amsher Collection Services, Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX has recently placed a negative account on all 3 of my credit reports with XXXX, XXXX, and XXXX on XX/XX/XXXX. I do not have a contract with this agency, nor am I responsible for this debt. The company has not validated this debt, they have only sent an itemized bill without my signature on it. The account number is : XXXX in the amount of {$230.00}. The original creditor is XXXX. In XXXX, this debt was showing on my credit with Amsher Collection agency, which in turn sold this account to XXXX or XXXX XXXX XXXX XXXX. Once I disputed this debt and negative account with Amsher in XX/XX/XXXX, Amsher Collection immediately took this debt off of my credit report and did not want anything to do with me disputing this inaccurate information. On XX/XX/XXXX I was told by Amsher that this would be deleted off of my credit and that they had sent letters to all 3 Bureaus. The debt was taken off of my credit. Now, fast forward to XX/XX/XXXX, this same debt re-appears on my credit without my knowledge, and with a different collection agency called XXXX. This is unfair debt collection practices. I want this inaccurate, no contract, not liable, negative debt and account removed from all 3 credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 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: CA

Complaint narrative:
This account is not mine was disputed back 2016 ans it was remove from my credit bureaus, Not it appears that new collection agency has being assign, And once again had reported to XXXX and Trans-union, please see attachment credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Business & Professional Collection Service Inc
State: NV

Complaint narrative:
I discovered I am a victim of ID theft, over 20 medical accounts were fraudulently put in my name. Patient used my name to go to the ER at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. There were also fraudulent bank accounts opened at XXXX XXXX and XXXX XXXX. Two credit cards at XXXX, XXXX XXXX XXXX Per FCRA law, once the furnisher receives all my fraud documentation the accounts must be deleted from my reports within 4 business days. ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the informat

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 2017-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
US BANK MORTGAGE XXXX InXX/XX/XXXX we purchased a new home via XXXX XXXX who then sold on the mortgage to US Bank. By XX/XX/XXXX they said the ESCROW has roughly a {$1000.00} shortfall. This is unusual as the Property Taxes were reduced from the XX/XX/XXXXcalculation after a successful appeal to XXXX obligation board. <P/>Therefore the ESCROW should show a net positive. <P/>Also US Bank signs the ESCOW as correct for the first 2 years when buying the loan so any shortfall is down to them under mortgage buying rules.

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