vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-15 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: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On Sunday, XX/XX/XXXX, I received a text from Huntington Bank about a possible fraudulent charge. The transaction was declined. I went online to look at pending charges and found two transactions before that had been charged to my account that were fraudulent charges. The Transaction dates were on XX/XX/XXXX and XX/XX/XXXX. I called customer service immediately. The customer service rep on the phone agreed that it was strange the charges were done on the East coast ( a place i have never been. ) They claimed they could not do anything till the transactions had hard posted. They also said they would immediately send me a new card. I was a bit on edge, because another credit card of mine had fraudulent charges a few months ago ( discover ), but the fraud charges were immediately taken off. It was a simple process that was resolved within 5 minutes of me calling. It seems Huntington Bank was going to put me through a lengthier process. They claimed this process was similar to another big bank. 

I kept being persistent and kept calling customer service. On Tuesday, XX/XX/XXXX, the transactions had finally hard posted. I called and they put me the fraud department. They said i would probably receive a provision credit within a week and that they would immediately send me paperwork to fill out. 

The current date is XX/XX/XXXX. I have checked the mail every day and have found no credit cards or fraud dispute papers. The fraudulent charges are still on my account. Everytime i call, the company seems to give me the run around and is prolonging the process. All the paperwork, replacement card, provisional credits, issues of resolve have not processsed at all. There is nothing, but silence from the part of Huntington Bank. 

the fraudulent charges ( which the customer service reps seem to acknowledge is fraud ) are posted on post date XX/XX/XXXX trans date XX/XX/XXXX Wawa XXXX XXXX XXXX , FL reference number XXXX for {$100.00} post date XX/XX/XXXX trans date XX/XX/XXXX XXXX XXXX XXXX XXXX, FL reference XXXX for {$99.00} the third fraudulent charge that was not processed matched the XXXX XXXX above. They acknowledged that was fraudulent, but refuse to do anything about the ones that have gone through.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 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: NC

Complaint narrative:
I never authorized these accounts or Inquiries. My signature is not on anything. 

XXXX XXXX {$390.00} ... XXXX/XXXX/XXXX XXXX XXXX {$310.00} ... XXXX/XXXX/XXXX XXXX {$490.00} ... XXXX/XXXX/XXXX XXXX XXXX XXXX ... XXXX/XXXX/XXXX XXXX {$360.00} ... XXXX/XXXX/XXXX XXXX XXXX {$590.00} ... XXXX/XXXX/XXXX XXXX XXXX {$1000.00} ... 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 explanation
Consumer complaint received 2018-01-15 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:
Ive contacted Equifax multiple times in reference to fraudulent information found on my credit report, and what method they are using to verify it. I sent Equifax a copy of my fraud affidavit with supporting documents and a list of accounts that are reporting on my credit file which do not belong to me. Equifax has removed all but two accounts according to what shows on their website today XX/XX/XXXX. There are addresses that were deleted from my credit file, but now has reappeared, there are three inquires which show on my credit file, I called Equifax and spoke to a representative about them on XX/XX/XXXX and I was told by the representative that they do not show on my EQUIFAX credit file, but yet they show on my credit file as seen on the Equifax credit report XX/XX/XXXX. 
There is a Bankruptcy that shows on my credit file with Equifax, which doesnt belong to me. I have asked for it to be removed, I have asked for the method of verification and how the Bankruptcy was validated, including the name of the person and phone number that was called to validate the debt, I have yet to rcve this information. All I have rcvd from Equifax is a statement on my credit report thats says they verified the Bankruptcy through a third party Company XXXX, but I called XXXX spoke with a representative about the verification and was told that no one called from Equifax to verify a Bankruptcy on my file. I rcvd a copy of my consumer file from XXXX and there is no Bankruptcy showing on my file with them. 
There is an account showing from XXXX, I have asked for verification of this debt and method of validation, I have yet to rcve anything from Equifax accept the word verified next to this debt on my dispute summary. This is not my debt Ive never had a charged off account with XXXX, the account says its under investigation but It isnt The following Inquiries out of the Blue showed up on my Credit Report in XX/XX/XXXX, which werent previous there, I have never applied or authorized anyone to apply to these companies in my name for credit, nor have I authorized any credit inquiries from these companies : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX-GA XX/XX/XXXX The following addresses has been removed and has reappeared, this address doesnt belong to me and needs to be permanently removed : XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-15 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: NC

Complaint narrative:
I never authorized these accounts or Inquiries. My signature is not on anything. 

XXXX XXXX {$390.00} ... XX/XX/XXXX XXXX XXXX {$310.00} ... XX/XX/XXXX XXXX {$490.00} ... XX/XX/XXXX XXXX XXXX XXXX ... XX/XX/XXXX XXXX  {$360.00} ... XX/XX/XXXX XXXX XXXX {$590.00} ... XX/XX/XXXX XXXX XXXX {$1000.00} ... XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I never authorized these accounts or Inquiries. My signature is not on anything. 

XXXX XXXX {$390.00} ... XX/XX/XXXX XXXX XXXX {$310.00} ... XX/XX/XXXX XXXX {$490.00} ... XX/XX/XXXX XXXX XXXX XXXX ... XX/XX/XXXX XXXX  {$360.00} ... XX/XX/XXXX XXXX XXXX {$590.00} ... XX/XX/XXXX XXXX XXXX {$1000.00} ... 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 non-monetary relief
Consumer complaint received 2018-01-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I bought a couch on XX/XX/XXXX from XXXX 's. They advertise and tell you that you have 24 months 0 % financing. When I received my statement the plan expires XX/XX/XXXX This is 1 year 11 months of financing.

In the prior complaint the company claimed they fixed the issue. However, What they did was credit the account purchase date of XX/XX/XXXX with a payoff date of XX/XX/XXXX and then charged my account with a purchase date of XX/XX/XXXX and a payoff date of XX/XX/XXXX. By doing this my prior months payment on the promotional plan was then credited to the other promotional account which is also only an 11 month payment plan. When they did this they took all my payments applied to this promotional plan and put it on the promotional plan that is coming dueXX/XX/XXXX.

There are also two new promotional accounts on my statement this month with the same problem. The dates of the promotional period is from XX/XX/XXXX- XX/XX/XXXXand XX/XX/XXXX - XX/XX/XXXX. These are suppose to be a 12 month promotional plan but once again it is 11 months. If these were 12 month promotional periods the period should be XX/XX/XXXX -XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX.

THIS IS FALSE ADVERTISING!!! FIX YOUR SYSTEM TO REFLEX 12 MONTH FINANCING OR CHANGE YOUR ADVERTISING.

They do not charge you interest if you buy something on the retail account and then you pay it off when you received your statement. But they start the promotional account from the day you purchase the item. I have several other cards and not one calculates the free financing in this manner. They either have to quit advertising 12 months free financing or advertise that it is 11 months free financing. They also advertise that anything over 350 is free advertising. However, if you buy anything on their website they do not offer free financing at all. This is extremely confusing to the consumer and is not right.

This is the worse credit card I have. I have to call monthly to get things corrected and I have to have payments adjusted and applied the proper way. This is how consumers are getting screwed by XXXX XXXX.

My next step is contacting a lawyer for a class action lawsuit. I have already shown an attorney the statement and how the retail account works vs the promotional plan works and how one does not have 12 months to pay the account or 24 months to pay the account and that you only have 11 months or 23 months to pay. However the amount that is required to be paid on the account is calculated at 12 or 24 months. So if you do not watch the account you will not pay off the account in the time frame and then get zapped with the interest for not paying it off on time. This is a scam.

The way they corrected my statement is not correcting the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 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: VA

Complaint narrative:
Equifax is showing on my credit report that XXXX XXXX XXXX XXXX XXXX, which I am a member of has conducted a hard inquiry on my account/credit history without my authorization on XXXX XXXX, 17.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 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:
Ive contacted Transunion multiple times in reference to fraudulent information found on my credit report, and what method they are using to verify it. I sent Transunion a copy of my fraud affidavit with supporting documents and a list of accounts that are reporting on my credit file which do not belong to me. Transunion has removed all but one account according to what shows on my credit report dated XX/XX/XXXX. 
There is a Bankruptcy that shows on my Transunion credit file on, dont belong to me. I have asked for it to be removed, I have asked for the method of verification and how the Bankruptcy was validated, including the name of the person and phone number that was called to validate the debt, I have yet to rcve this information. All I have rcvd from Transunion is a statement on my credit report thats says they verified the Bankruptcy through a third party Company XXXX, but Ive called XXXX spoke with a representative about the verification and was told that no one called from Transunion to verify a Bankruptcy on my file, that they use automated systems to validate accounts by entering consumer data, which sometimes can be in accurate as in my case. I rcvd a copy of my consumer file from XXXX and there is no Bankruptcy showing on my file with them. I forwarded a copy of my fraud affidavit along with my supporting documents which clearly stated that this is a fraudulent file. 
The following Inquiries showed up on my Credit Report, which I have never applied or authorized anyone to apply to these companies in my name for credit, nor have I authorized any credit inquiries from these companies : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX ( duplicate credit pull )

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 2018-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I get a call from XXXX XXXX XXXX and the agent has a really thick XXXX accent and he was calling about two account. Account # 's XXXX and XXXX. He stated that I needed to pay these accounts in full or there will be no other advantages given if I did n't and the next option would to be to have my wages garnished and that the option was up to me. The guy was very rude and unprofessional. This is n't my first time dealing with Midland as they have a affiliate XXXX XXXX and I have went to court back in 2016 and fought them and won. I proved the last time to the judge about them harassing me and threatening me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 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: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
XXXX is showing on my credit report that XXXX XXXX XXXX XXXX XXXX, which I am a member of has conducted a hard inquiry on my account/credit history without my authorization on XXXX XXXX, 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 explanation
Consumer complaint received 2018-01-15 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: NM

Complaint narrative:
I 'm working to clean up my credit report. I use XXXX XXXX to track it. Both XXXX and Transunion list the same debt ( {$420.00} originally owed to NXXXX XXXX XXXX XXXX ). 

But, the same debt is being collected by two collection agencies : Transunion : XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NM XXXX ( XXXX ) XXXX I would be happy to pay one or the other to clear up my record. 

Please help. 

Thank you.

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 2018-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I reviewed my credit report recently and noticed that I had several hard inquiries from companies that I did not authorize. The companies are 1. XXXX 2. XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX It is having a severe impact on 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 2018-01-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Capital One wont let me access my account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 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: PA

Complaint narrative:
This account was open online over the internet. BY LAW SECTION 609 ( a ) ( 1 ), YOU ARE REQUIRED BY FEDERAL LAW TO VERIFY- THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT-ANY AND ALL ACCOUNT YOU POST ON A CREDIT REPORT. OTHERWISE ANY AND ANYONE PAYING FOR YOUR REPORTING SERVICES COULD FAX, MAIL OR EMAIL IN A FRAUDULENT ACCOUNT. I DEMAND TO SEE VERIFIABLE PROOF ( AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT ) YOU HAVE ON FILE OF THE ACCOUNTS LISTED. YOUR FAILURE TO POSITIVELY VERIFY THESE ACCOUNTS HAS HURT MY ABILITY TO OBTAIN CREDIT. UNDER THE FCRA, UNVERIFIED ACCOUNTS MUST BE REMOVED AND IF YOU ARE UNABLE TO PROVIDE ME A COPY OF VERIFIABLE PROOF OF AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT, THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT-ANY AND ALL ACCOUNT YOU POST ON A CREDIT REPORT. OTHERWISE ANY AND ANYONE PAYING FOR YOUR REPORTING SERVICES COULD FAX, MAIL OR EMAIL IN A FRAUDULENT ACCOUNT YOU MUST REMOVE THE ACCOUNTS LISTED BELOW. FURTHERMORE, XXXX XXXX XXXX can not provide proof that this is my account. I am asking that this account is COMPLETELY remove from my credit history. XXXX XXXXXXXX XXXX  is not a business its SCHEME. Reporting information that is completely wrong. PLEASE REMOVE/DELETE FROM ALL FOUR CREDIT REPORTING AGENCY ASAP!

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 2018-01-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
There is a private student loan issued by Bank of America opened in 2006 on my credit report. I tried to contact the creditor and the number is not in service and there is no other numbers. The website I used to pay for the loan does not exist anymore which was student.bankofamerica.com. I have disputed the matter with the credit bureaus due to the fact the account is old and does not exist anymore. Yet, it is reported that it is current and past due for more than 120 days every month in all three credit bureaus. In Pennsylvania, the statute of limitations on private students loan is 4 years and it 's have passed the 4 years.

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 2018-01-15 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: PA

Complaint narrative:
This account was open online over the internet. BY LAW SECTION 609 ( a ) ( 1 ), YOU ARE REQUIRED BY FEDERAL LAW TO VERIFY- THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT-ANY AND ALL ACCOUNT YOU POST ON A CREDIT REPORT. OTHERWISE ANY AND ANYONE PAYING FOR YOUR REPORTING SERVICES COULD FAX, MAIL OR EMAIL IN A FRAUDULENT ACCOUNT. I DEMAND TO SEE VERIFIABLE PROOF ( AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT ) YOU HAVE ON FILE OF THE ACCOUNTS LISTED. YOUR FAILURE TO POSITIVELY VERIFY THESE ACCOUNTS HAS HURT MY ABILITY TO OBTAIN CREDIT. UNDER THE FCRA, UNVERIFIED ACCOUNTS MUST BE REMOVED AND IF YOU ARE UNABLE TO PROVIDE ME A COPY OF VERIFIABLE PROOF OF AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT, THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT-ANY AND ALL ACCOUNT YOU POST ON A CREDIT REPORT. OTHERWISE ANY AND ANYONE PAYING FOR YOUR REPORTING SERVICES COULD FAX, MAIL OR EMAIL IN A FRAUDULENT ACCOUNT YOU MUST REMOVE THE ACCOUNTS LISTED BELOW. FURTHERMORE, XXXX XXXX XXXX can not provide proof that this is my account. I am asking that this account is COMPLETELY remove from my credit history. XXXX XXXX XXXX is not a business its SCHEME. Reporting information that is completely wrong. PLEASE REMOVE/DELETE FROM ALL FOUR CREDIT REPORTING AGENCY ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 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: PA

Complaint narrative:
This account was open online over the internet. BY LAW SECTION 609 ( a ) ( 1 ), YOU ARE REQUIRED BY FEDERAL LAW TO VERIFY- THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT-ANY AND ALL ACCOUNT YOU POST ON A CREDIT REPORT. OTHERWISE ANY AND ANYONE PAYING FOR YOUR REPORTING SERVICES COULD FAX, MAIL OR EMAIL IN A FRAUDULENT ACCOUNT. I DEMAND TO SEE VERIFIABLE PROOF ( AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT ) YOU HAVE ON FILE OF THE ACCOUNTS LISTED. YOUR FAILURE TO POSITIVELY VERIFY THESE ACCOUNTS HAS HURT MY ABILITY TO OBTAIN CREDIT. UNDER THE FCRA, UNVERIFIED ACCOUNTS MUST BE REMOVED AND IF YOU ARE UNABLE TO PROVIDE ME A COPY OF VERIFIABLE PROOF OF AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT, THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT-ANY AND ALL ACCOUNT YOU POST ON A CREDIT REPORT. OTHERWISE ANY AND ANYONE PAYING FOR YOUR REPORTING SERVICES COULD FAX, MAIL OR EMAIL IN A FRAUDULENT ACCOUNT YOU MUST REMOVE THE ACCOUNTS LISTED BELOW. FURTHERMORE, XXXX XXXX XXXX can not provide proof that this is my account. I am asking that this account is COMPLETELY remove from my credit history. XXXX XXXX XXXX is not a business its SCHEME. Reporting information that is completely wrong. PLEASE REMOVE/DELETE FROM ALL FOUR CREDIT REPORTING AGENCY ASAP!

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