vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: PA

Complaint narrative:
Our XX/XX/2017County Taxes have not been paid. We have never been late on our mortgage payment. This has never been a problem until Flagstar Bank took over our mortgage in XX/XX/2017. I have forwarded the delinquent notices 3 times and have been told each time that the bill will be paid. We just received another notice saying that they still have not been paid and that the home will go up for sale if the taxes are not received.

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 2018-03-25 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: CITIBANK, N.A.
State: SC

Complaint narrative:
1. Received a hard credit inquiry from a company called CBNA on XX/XX/XXXX and I don't know who this is and what its all about. I just saw it on my credit report and want it removed. I called the company and they have no knowledge of what I was saying or trying to resolve. 

2. Received a hard inquiry on XX/XX/XXXX from XXXX and I don't know where this come from. I happen to see it on my most recent credit report so I called the company and was told that it was only supposed to be a soft inquiry and had no idea how it was reported as hard inquiry. This conversation took place on XX/XX/XXXX and the inquiry is still there.

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 2018-03-25 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: CA

Complaint narrative:
Errors on reports on all 3 major credit bureau 's or " specialty credit bureaus ''. Dates, amounts, accounts, unknown address of residence, my social security affiliated with unknown address, public records that do not belong to me, reappearing accounts shown with different collection agencies/accounts including those that have been removed. Numerous inquiries without my knowledge. Requested validation from creditors/collection agencies/inquiries was not provided with competent evidence. 
This has caused me defamation of character and has prevented me from receiving auto/personal loans, insurance and credit cards.

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 2018-03-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Errors on reports on all 3 major credit bureau 's or " specialty credit bureaus ''. Dates, amounts, accounts, unknown address of residence, my social security affiliated with unknown address, public records that do not belong to me, reappearing accounts shown with different collection agencies/accounts including those that have been removed. Numerous inquiries without my knowledge. Requested validation from creditors/collection agencies/inquiries was not provided with competent evidence. 
This has caused me defamation of character and has prevented me from receiving auto/personal loans, insurance and credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 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: COMMUNITY CHOICE FINANCIAL, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX I received an alert on my XXXX XXXX report that on XX/XX/XXXX that was reported that XXXX XXXX reported that Checksmart was opened on XX/XX/XXXX for {$1400.00} for collection on my XXXX Credit. I called Checksmart in XXXX, Oh and spoke to XXXX and imformed gave them information with my Social and he informed me that my account was not active and the last time my account was opened in XX/XX/XXXX. I don't have any cash advances. The XXXX XXXX contact is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX contact number XXXX XXXX. I think this a scam

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 2018-03-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
PNC Bank re-activated an old line of credit account without a request or permission to do so. The bank changed the old account number, and started to send me " convenience '' checks and monthly statements. This account was opened for {$500000.00} I did not request this line of credit nor do I want an open account in my name. 
I contacted the bank and was advised that I am not the only one who is having this problem, as the bank has been re-activating accounts recently. I was told that I have a zero balance with the bank so I shouldn't worry about anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX card offered a new card ( XX/XX/2017 ) with bonus offer of {$150.00} after about {$600.00} were spent using the card within 90 days. We satisfied this requirement and paid bills on time. 
But they paid ( as statement credit ) only {$100.00}. We reported dispute on phone and on chat online. They did not send any notification of dispute resolution. we did not pay {$50.00} that was in dispute, They reported this as delinquent amount and added extra fees. Our credit rating went down by 100 plus points and we were denied credit by lenders based on this report. We believe this to be fraudulent bait and switch behavior. Their customer service contact is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX PS : we are extremely distressed the difficulty of reporting this dispute and time spent on this. We will present documentation you may require

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 2018-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
about 5 years ago I had a check that was sent online and when I tryed to use the money I found out it was bogus When I tryed to talk to the bank they shut me off and I was reported to XXXX XXXX XXXX   and they keep blacking balling me to the point I can not open any bank account This is very hard to swallow absolutely no banks in florida will let me open an account and I did not do anything wrong I also would compensation for all the frustrations and because the bank would not work with me and it against the law to blackball a person maybe to their bank but to all I would call deification of character ruining my life

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 2018-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX I received an alert on my XXXX XXXX report that on XX/XX/XXXX that was reported that XXXX XXXX reported that XXXX was opened on XX/XX/XXXX for {$1400.00} for collection on my Transunion Credit. I  called XXXX in XXXX, Oh and spoke to XXXX and imformed gave them information with my Social and  he informed me that my account was not active and the last time my account was opened in XX/XX/XXXX. I don't have any cash advances. The XXXX XXXX contact is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX contact number XXXX XXXX. I think this a scam

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 2018-03-25 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: Dynamic Recovery Solutions, LLC
State: NY

Complaint narrative:
just received a collection debt from Dyanmic recovery solutions on XX/XX/18 for an amount of XXXX. The collection agency is stating in the letter/bill that I owe a debt which I know is not mine and do not owe. I also checked with all three major credit bureau 's and the debt does not exsist on my credit reports. I would like the harassing letters to stop being sent to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
I paid off the balance and they continued to charge me an interest rate after the balance way paid in full. when I called them they said I paid it off late and I told them to close the account. their automated system is still calling me after I had them close the 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 2018-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: GA

Complaint narrative:
Inaccurate, wrong and hurtful information reported by this company. I have never done business or have a contract with XXXX XXXX XXXX XXXX to be reporting anything on my report. Nor have I gotten any form of communication stating that they are going to report negative information without a signature or validation from me stating that I owe {$400.00} on my credit report to all three bureaus. Which I find that is a violation of the FCRA laws. At this point I would like them to produce documents with my original signature stating that I give permission for XXXX XXXX XXXX XXXX to report negatively on my report. If no original contract, validation and signature can not be produced I demand them to be removed from all 3 of  my credit reports XXXX, XXXX, and XXXX   immediately and not sold to another company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: SD

Complaint narrative:
XX/XX/18 between XXXX and XXXX. 
I was throughly displeased and entirely dissatisfied with the treatment I had over the phone. I work as a XXXX XXXX XXXX XXXX, and I would NEVER interrupt a consumer the way that the Chase representatives did to me. They could not provide information about my account, and refused to assist me in any way. They transferred me to hold lines of 15-20 minutes without warning me of the approximate wait times. They gave me a number to call, and I called them back and filed an in-system complaint. This complaint was nearly brushed under the rug and the rep I spoke with said sorry, and continuously spoke over me, and treated me poorly. I advised her that she was professional, but honestly she did not make me feel any better about the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: TN

Complaint narrative:
1. Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ct XXXX Phone # ( XXXX ) XXXX Unlawfully, falsely submitted my annual income up higher than it was, to get credit cards and loans approved. Without any written verification, documentation nor signature by me. 
Due to this unfair.unjust act i had to file Chapter XXXX Bankruptcy Date:XX/XX/2016 Court Type : Federal District, Responsibility : Individual Debt and Discharged, Docket # XXXX. 
2. Collection /Attorney : Ability Recovery Services # XXXX XXXX XXXX XXXX XXXX XXXX Phone # ( XXXX ) XXXX Placed for Collection:XX/XX/2016 Original Amount : {$4300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 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: Conn's, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX XXXX XXXX, TX XXXX Also, On XX/XX/XXXX XXXX XXXX, FL XXXX On XX/XX/XXXX XXXX ( no information given on credit report ) On XX/XX/XXXX XXXX XXXX, XXXX ( no information given on credit report ) On XX/XX/XXXX Conn Credit Corp. pulled my credit.

I request that you initiate an investigation into [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I mailed Experian, via certified USPS mail, a formal, written request for Method of Validation for the results of my investigation into the following accounts my rights per FCRA Section 611 : XXXX XXXX- Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX- Acct # XXXX XXXX XXXX- Acct # XXXX XXXX XXXX- Acct # XXXX Experian received my request per USPS XXXX # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. Today is XX/XX/XXXX and Experian failed to comply with this request during the 15 day period. Experian demonstrates a failure to comply with investigation timelines. I fully intend to sue if necessary to rectify these errors which are very serious inaccuracies which are hurting my ability to obtain credit. I do not believe Experian has contacted these companies, but instead relies on their automation system that includes inaccurate information related to these accounts.

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 2018-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
XX/XX/XXXX, I received a balance transfer offer from USAA for my XXXX card. The balance transfer offer {$0.00} introductory APR until XX/XX/XXXX. The offers expiration date XX/XX/XXXX. I made two balance transfers which posted onto my XXXX card on XX/XX/XXXX. The first transfer was the amount of, {$4500.00} and the second transfer was for, {$5300.00}. 

However, when I received my XX/XX/XXXX, USAA XXXX XXXX statement I noticed the interest charge on the balance transfers was posted. I called USAA on XX/XX/XXXX, and spoke with a representative. The representative told me the balance transfer that I completed expired. NOTE : I have the balance transfer letter that USAA sent to me with the balance transfer information. Clearly I completed the balance transfer before the offer expired.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-25 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: IL

Complaint narrative:
have written, faxed and spoke with CSRs at all 3 credit bureaus agencies advised that I am a victim of fraud submitted police reports and Identity theft report affavaidts on numerous osscassion FTC Report # : XXXX and Equifax and XXXX  " REFUSE '' to remove accounts that were a result of fraud which are XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. The 4 accounts need to be removed for they do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 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: IL

Complaint narrative:
have written, faxed and spoke with CSRs at all 3 credit bureaus agencies advised that I am a victim of fraud submitted police reports and Identity theft report affavaidts on numerous osscassion FTC Report # : XXXX   and XXXX and Experian " REFUSE '' to remove accounts that were a result of fraud which are XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  and XXXX XXXX The 4 accounts need to be removed for they do not belong to me.

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 2018-03-25 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
OnXX/XX/XXXX XXXX  XXXX, TX XXXX Also, On XX/XX/XXXX XXXX XXXX, FL XXXX  On XX/XX/XXXX XXXX ( no information given on credit report ) On XX/XX/XXXX XXXX XXXX XXXX  ( no information given on credit report ) On XX/XX/XXXX XXXX XXXX XXXX. pulled my credit.

I request that you initiate an investigation into [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.

Thank you for your assistance in this matter,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 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: TX

Complaint narrative:
On XX/XX/XXXX XXXX XXXXXXXX XXXX   XXXX Also, On XX/XX/XXXX XXXX XXXX, XXXX XXXXXXXX On XX/XX/XXXX XXXX ( no information given on credit report ) On XX/XX/XXXX XXXX XXXX, XXXX XXXX no information given on credit report ) On XX/XX/XXXX XXXX XXXX XXXX pulled my credit. 

I request that you initiate an investigation into [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I disputed two student loan accounts on my credit report that is being investigated by the federal government under the Borrow Defense Program through www.studentaid.ed.gov. Under these terms, I have the right to request a stop collection on any student loans on my credit report. I have disputed these twice and I have provided the documentation detailing this to Experian. Experian has refused to remove these items from my report even after I called and spoke with them directly. Over the phone, a representative stated that they investigated my loans under a fraud investigation. I explained to the rep. that Experian did not review my documentation correctly, nor did they review the supporting documentation correctly. I am requesting that these loans and any future collections regarding these loans be removed from my credit report immediately.

This is the message I submitted to Experian : I am requesting that these accounts be removed under the federal government 's Borrower Defense Program : Stopped Collections Status. See borrower defense section at www.studentaid.ed.gov. Please remove the below accounts off of my credit report. These accounts are being investigated by the federal government under the Borrower Defense Program, the school I attended misled and engaged in fraudulent practices that resulted in me taking out these current loans. I have attached documentation for your company to review. XXXX Account # XXXX Account # 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