vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
1. Derogatory Information : XXXX - XXXX/XXXX - Revolving - Never Late, requested to correct error. 
2. Inquiries : XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX : Never Authz to run credit requested to remove. 
3. Inquires : XX/XX/XXXX - XXXX XXXX XXXX - Never Authz to run credit requested to remove. 
4. Inquires : XX/XX/XXXX - XXXX XXXX - Never Authz to run credit requested to remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I was notified by Wells Fargo that my account had been hacked into. A series of questions were asked of me and I was told that I had to go into the bank to receive a new atm card. At which time around XX/XX/XXXX I visited Wells Fargo branch at XXXX XXXX XXXX. XXXX. I received a new ATM and was told my account was in good standing. I called a couple of days later to let them know I had done so and I was having trouble paying a creditor. I was told that that specific creditor had a hold. I took off the hold and then they said they had fixed the problem. I had the same error happen when that specific creditor tried for 3x time to get paid and I was given a new routing number. None of the 4 other calls I made was I ever told that my account was frozen. My mortage lender XXXX finally sent me a letter that my account had not been paid in 2 months. At which time I called Wells Fargo and after pleading for someone to help me they read the notes on the account that my account had been frozen because of a bank breach for 2 months. I am currently working with XXXX on refinancing my loan and this is placed my mortage at risk. I want them to write a letter to all my creditors who they did n't pay and tell the credit bureaus. I am held hostage by their employees who have access to the account and I was never notified. Not one call about what was going on after repeated attempts on my part. I want them to pay for all of the late fees that I have been charged from the other creditor as well.

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 2017-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America Credit Card Services has on multiple occasions in one year charged {$1.00} interest on a XXXX balance. I have continued to call multiple times, each time they remove the fee and apologize for inconvenience, but yet do the same thing each time I have paid a balance and have a XXXX balance. Bank of America is deliberately charging customers {$1.00} on XXXX balance, is aware of the issue, but does nothing until a customer calls in and complains.

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 2017-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
TO : CITI CARDS, XXXX XXXX, XXXX XXXX, XXXX XXXX BY FAX : XXXX XXXX PAGES FROM : XXXX XXXX, XXXX XXXX XXXX, APT XXXX, XXXX, XXXX XXXX XXXX : ACCT. # XXXX GENTLEMEN : AFTER MANY YEARS OF DOING BUSINESS WITH YOU ON MY SUBJECT ACCOUNT, YOU HAVE BECOME IMPOSSIBLE TO FOR ME TO DO BUSINESS WITH. YOU HAVE CONTINUED TO MAKE LIFE DIFFICULT FOR ME BY YOUR LACK OF RESPONSIBILITY IN DOING THINGS ON A TIMELY BASIS. AS A RESULT IF THE MATTERS LISTED BELOW ARE NOT RESOLVED BY XXXX, I WILL FILE A FORMAL COMPLAINT WITH THE CFPB. 
THE MATTERS TO BE CLARIFIED ARE LISTED BELOW : 1. ON XX/XX/17 I RECEIVED 2 CHARGES, EACH FOR {$99.00}. THEY WERE FROM XXXX XXXX XXXX, & XXXX XXXX. I DISPUTED BOTH OF THE CHARGES, INFORMING YOU THAT I DID NOT ORDER EITHER GOODS OR SERVICES FROM THESE PARTIES. THE CHARGE WAS CANCELLED SUBSEQUENTLY. AS A RESULT OF THESE FALSE UNAUTHORIZED CHARGES, MY OLD CREDIT CARD, ENDING IN XXXX WAS CANCELLED, & THE NEW ACCOUNT CARD WAS ISSUED. ON XX/XX/17 THIS MESS AGAIN RAISED ITS UGLY HEAD WHEN I RECEIVED A FORM TO FILL OUT, SWEARING THAT I HAD NEVER AUTHORIZED THE CHARGES. YOU ACKNOWLEDGED THE STATEMENT IN AN EMAIL TO ME. HOWEVER YOU FINALLY PUT THE CHARGES BACK ON MY CREDIT CARD, WHICH I PAYED BUT DID SO ONLY BECAUSE YOU FAILED TO CONTACT THE SUPPLIERS ON A TIMELY BASIS. YOUR NEGLIGENCE COST ME ALMOST {$200.00}. 

2. ON XXXX I FAXED YOU THE FROLLOWING : I AM HEREBY CANCELLING MY REFERENCED CREDIT CARD. I FIND THAT OUR LONG TERM RELATIONSHIP NO LONGER WORKS. YOU WERE FOR MANY YEARS AN EXCELLENT COMPANY WITH WHICH TO DO BUSINESS. I NO LONGER FIND THAT TO BE TRUE. 

3. ON XXXX, I FAXED YOU THE FACT THAT YOU HAD NOT CANCELLED MY CREDIT CARD AS REQUESTED ON XX/XX/17 AND AS A RESSULT A CHARGE WAS PUT ONTO MY ACCOUNT, WHICH SHOULD NOT HAVE BEEN HONORED, SINCE MY ACCOUNT WAS REQUESTED TO BE CLOSED ON XX/XX/17. YOU IGNORED ME, AND INSIST THAT I PAY A BILL FOR A CHARGE OF {$14.00}, WHICH SHOULD NOT HAVE BEEN ACCEPTED ON A CLOSED CREDIT CARD. I AM NOW REQUESTING AGAIN THAT YOU REMOVE THIS ILLEGAL CHARGE. 

XXXX. I HAVE EARNED A CREDIT OF {$41.00} ON MY ACCOUNT, PRIOR TO CANCELLATION OF THE ACCOUNT. I REQUESTED THAT AMOUNT BE PAID TO ME AS I HAD EARNED THE {$41.00}. YOU REFUSE TO DO SO! 

I DO NOT FIND THAT YOU HAVE DONE BUSINESS WITH ME ON A PROFESSIONAL AND TIMELY BASIS, AND THIS WILL BE MY LAST ATTEMPT TO HAVE YOU CORRECT THE MATTERS BEFORE I TAKE FURTHER ACTION AS LISTED ABOVE. 

XXXX XXXX XX/XX/17

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 2017-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: SUNTRUST BANKS, INC.
State: MN

Complaint narrative:
I applied for a loan on XXXX with XXXX, a division of SunTrust bank. They rejected my application and said they would disclose the reason within XXXX hours. I never rec 'd this letter. I filed a complaint with the CFPB shortly thereafter. SunTrust-XXXX XXXX proceeded to respond with a letter dated XXXX stating the reasons for XXXX 's rejection. My XXXX score on XXXX was XXXX, verified by XXXX. XXXX reported it as XXXX, a fraudulent score based on this back dated letter based on the complaint they rec 'd. They also indicated in the letter that I had delinquent accounts, of which I have XXXX currently. XXXX XXXX and XXXX responded to my complaint as a TOTAL and COMPLETE lie! Again, I rec 'd no such letter or email from XXXX indicating the reason for their rejection. I rec 'd numerous acceptances of the same loan from the same credit bureau- XXXX of which the score was XXXX, NOT XXXX as XXXX XXXX about.

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 2017-10-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
BBVA Compass advertises its Online Banking everywhere, but they do n't specify that certain products have little to no online functionality when they are trying to get you to sign up for their services. I have a personal line of credit with them and my family relocated to a new city. I had set up mail forwarding at my prior address but statements were never received at the new address ( other institutions were received ). I attempted to change my address online with BBVA, but that process required almost two weeks of them asking me to provide duplicate information as to my new address, and, more importantly, I repeatedly asked why the website indicated a place for past statements / amounts due to show up but they were always blank/incomplete for this account and no one could tell me how much was owed. They did offer to send me a copy of the statements I never received electronically, for a {$10.00} fee, I guess that is their definition of online banking. I have received several auto-dialed collection calls, but I explained to them I needed a statement or some screen on their website to see how much I owed. 

This scenario was only compounded by the fact that I have a checking account opened with them specifically to pay the monthly payments on this account, but they do n't have functionality to let me set this to " autopay. '' As a result, I fear they reported me as delinquent as I was waiting to actually receive a notice from them telling me how much was owed, which was finally received last week. This is at at a time where we are looking to purchase a new home, and the potential adverse credit impact over the life of a loan will be several thousands of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am a victim of identity theft. This company requested my credit on behalf on someone fraudulently obtaining my personal information and using it to attempt to open an account. Although no account was opened this inquiry is showing on my credit file and adversely affecting my credit score. I have attached letters from creditors documenting the identity theft and a copy of my photo ID.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I reached out to Wells Fargo concerning my mortgage payment and asked for help in filing a Loan Modification. During the process Wells Fargo has given us 4 to 5 different Loan Modification Specialist and each time they lose paperwork, we 're having to start the process over again and requesting us to scan and fax papers over again. I believe this is one of Wells Fargo tactics to say they 're trying to help but only assigning us to different Loan Modification Specialist and will continue until we so far behind we have no other option but to file bankruptcy. I do n't believe Wells Fargo is trying to help us save our home. We have enough money coming in to keep the mortgage paid on automatic draft once a month due to my spouse military XXXX of 70 % and the military is working to increase her military compensation. Due to the weather and recent hurricane damage we needed time to make repairs on our home and reached out to Wells Fargo for help with this matter. Wells Fargo has open many Checking and Saving accounts in my name without my approval but ca n't help me with a Home Modification. I would like someone from Wells Fargo to truly devote their time to helping us save our home. 

XXXX and XXXX XXXX Loan # XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 non-monetary relief
Consumer complaint received 2017-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XX/XX/XXXX I mailed out disputes to transunion, XXXX and XXXX in reference to inquiries that showed up on my credit report. I asked each credit bureau to provide proof of these inquiries in writing. The response I received XX/XX/XXXX was a generic letter telling me to contact the creditor from XXXX, transunion removed two inquires but nothing else on the others, XXXX sent me a copy of my credit report. Stating that if you look at the bottom of this page if the items you contacted us about do n't appear this means these items are no longer effecting your report or our investigation was able to confirm the item.

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 2017-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XXXX I mailed out disputes to XXXX, experian and XXXX in reference to inquiries that showed up on my credit report. I asked each credit bureau to provide proof of these inquiries in writing. The response I received XXXX was a generic letter telling me to contact the creditor from XXXX XXXX removed two inquires but nothing else on the others, experian sent me a copy of my credit report. Stating that if you look at the bottom of this page if the items you contacted us about do n't appear this means these items are no longer effecting your report or our investigation was able to confirm the item.

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 2017-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
On XXXX/XXXX/XXXX I received a collection notice that I owed {$210.00} to a dentist. On XXXX/XXXX/XXXX I called the dentist 's office and inquired about this, they know nothing about this collection company and they said my account is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I CHECKED MY CREDIT REPORT AND IT SHOWED 5 FRADULENT ACCOUNT FROM ARS ACCOUNT RESOLUTION THE ORIGINAL CREDITOR IS XXXX XXXX XXXX XXXX I EVER BEEN THERE DONT DO BUSINESS WITH THE I EVER GAVE EVERYONE CONSENT TO USE MY NAME AT ANY OF THESE COMPANIES. I HAVE ATTACHED MY POLICE REPORT. 

THE OTHER FRAUDULENT ACCOUNTS ARE ( XXXX XXXX, XXXX XXXX, XXXX, ) THAT WAS REPORT TO ALL 3 CREDIT BUREAUS.

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 2017-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JH Portfolio Debt Equities, LLC
State: MD

Complaint narrative:
On XXXX XXXX, XXXX, I contacted XXXX XXXX concerning a collect, I had no knowledge of. They notified be despite this fraudulent account. It had been sold, to a debt buyer- JH Portfolio. At this time I wrote them a letter. I sent all communications certified, so no response until XXXX/XXXX/XXXX. My request to remove this account, with the XXXX bureaus has been disputed on XXXX. There has been correspondence from the original creditor. Which I have attached- with no validation. This company has made no effort to correct this account. 

XXXX from XXXX states that company verified the collection by using my maiden name and social number. Both information that can be found my lost military id, or lost drivers license.

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 2017-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Sent HIPAA letter on XXXX to XXXX XXXX and received a response via mail XXXX stating they couldnt locate account ( s ). I provided my name & address as it appears on my credit report in which they are reporting too.

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 2017-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC
State: AR

Complaint narrative:
This company contacts me every day, several times of day. When I answer the phone they do not identify themselves and they ask for personal information, such as the last 4 of my social security number. They are attempting to collect a debt that I do not owe! I 've asked for a dispute and they refuse to dispute it. They say that the only thing they will do is mark the debt as fraudulent activity. I 've asked them not to call me and they say it 'll be 24-48 hours before they will remove me from the calling system. That time frame has passed several times and yet they still contact me. The tepresentives on the phone are disrespectful and unhelpful. They called XX/XX/XXXX and again today on XX/XX/XXXX. I 've had to ignore their calls several times while I 'm at work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: PA

Complaint narrative:
On XX/XX/XXXX I mailed in an AES Credit Dispute form along with documentation showing that a double payment in XX/XX/XXXX had been made : payment 1 on XX/XX/XXXX and payment 2 on XX/XX/XXXX and the second XX/XX/XXXX payment was not counted as my XX/XX/XXXX payment. AES marked me as late. Due to marriage and name change, the bank returned my payments and AES no longer allows me to pay online. XX/XX/XXXX another payment made after no help from customer service. Account is up to date. Sought removal of negative marking on credit but with no positive assistance from AES customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 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: Clarity Services
State: TX

Complaint narrative:
I am a victim of identity theft. This company requested my credit on behalf on someone fraudulently obtaining my personal information and using it to attempt to open an account. Although no account was opened this inquiry is showing on my credit file and adversely affecting my credit score. I have attached letters from creditors documenting the identity theft and a copy of my photo ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am a victim of identity theft. This company requested my credit on behalf on someone fraudulently obtaining my personal information and using it to attempt to open an account. Although no account was opened this inquiry is showing on my credit file and adversely affecting my credit score. I have attached letters from creditors documenting the identity theft and a copy of my photo ID.

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 2017-10-16 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: CT

Complaint narrative:
I contacted all 3 Credit Bureaus XXXX, XXXX and Equifax several times regarding 3 accounts that were opened with XXXX as a result of Identity Theft. After several disputes and even filing complaints with the CFPB in which they were again provided with copies of the police reports all 3 bureaus removed the accounts responding that the ID Theft was founded and the accounts had been removed. Now 2 weeks ago I received notice the bureaus without cause relisted the previously deleted accounts. The notation was added " The Creditor is unable to reach you in regards to the ID Theft '' the creditor has reached me numerous times and has been provided all of the information. Relisting the following accounts is a violation of FCRA. The following accounts must be removed from my credit reports immediately or I will be forced to retain legal counsel and seek Judicial and financial recourse. 
XXXX XX/XX/XXXX {$0.00} {$250.00} {$5400.00} XX/XX/XXXX REPOSSESSION {$510.00} XXXX XX/XX/XXXX {$4000.00} {$46.00} {$4600.00} XX/XX/XXXX CHARGE-OFF {$1500.00} XXXX XX/XX/XXXX {$3000.00} {$3600.00} {$3600.00} XX/XX/XXXX CHARGE-OFF {$3600.00} Additionally I realized now the following Hard Inquires on my credit report which are not my own and do not meet the FCRAs Definition of Permissible Purpose All users must have a permissible purpose under the FCRA to obtain a consumer report. Section 604 contains a list of the permissible purposes under the law. These are : As ordered by a court or a federal grand jury subpoena. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unless the Credit Bureaus themselves can provide a subpoena showing just cause to allow these to remain they need to be removed immediately. 

And finally the following account was just added to my account and was not opened or authorized by myself and needs to be immediately removed : MABT - RETAIL XXXX XXXX  XXXX XXXX, OR N/A N/A $ USD XXXX

Company response to consumer: Closed with explanation