vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-20 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: WY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX. I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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: WY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. XXXX XXXX XXXX XXXX Box XXXX XXXX, TX XXXX ( XXXX ) XXXX. I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Allied Collection Services, Inc. (Nevada)
State: MI

Complaint narrative:
My contract with XXXX XXXX was mutually terminated in XX/XX/XXXX. That contract was paid in full, receipt was included showing a zero balance. XXXX pursued me for a remaining balance of {$140.00}, and the balance was disputed on XX/XX/XXXX. XXXX did not respond for several months, and forwarded this debt to a collection agency, which reported on my credit dated for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX USA This collection agency, did not properly notify me of this debt, nor did they disclose this debt to me within the required timeframe. Nonetheless they did report this on my credit, as such I am seeking removal of this debt immediately from my 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 2019-07-20 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: WY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1.  COMENITYCAPITAL/XXXX XXXX XXXX XXXX, OH XXXX I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-20 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: WY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. XXXX XXXX XXXX XXXX, OH XXXX I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation  as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synovus Bank
State: KS

Complaint narrative:
A dept collection law firm, is garnishing my bank account, which I had no knowledge of an account in the process of being garnished.I believe it is identity theft or mistaken me for some one elese.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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: WY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1.CITIBANK USA , NA XXXX XXXX XXXX XXXX XXXX , UT XXXX I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I gave permission once on XX/XX/XXXX to run my credit the company ran it again on XX/XX/XXXX without my permission I want it removed from my credit report. All because I called to correct last name on my card that is not a reason to run a credit check

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX there were several fraudulent charges made on my debit card. I reported the fraudulent charges to the bank and the merchants. After investigating for 10 days, the bank refused to refund the money. I appealed to the bank, providing a police report and again asking them to credit the funds back to my account. This is still pending. In the meantime, the bank informed me that they are closing my account effective XX/XX/XXXX. How will they return the funds to my account if the account has been closed? I did not request to close my account. Wells Fargo just decided to close my account. I think they should not close my account until the funds for the fraudulent charges have been credited to my account. Then we can part ways.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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: WY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Ria Envia, LLC
State: FL

Complaint narrative:
These are all RIA transactions XX/XX/2019 {$1500.00} XXXX XXXX XXXX # XXXX XX/XX/2019 {$1400.00} XXXX XXXX XXXX, XXXX # XXXX XX/XX/2019 {$1600.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/2019 {$1300.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/2019 {$1500.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/2019 {$1600.00} XXXX XXXX XXXX XXXX # XXXX I had develop a relationship with a XXXX XXXX XXXX who claimed to a a surgeon working for the XXXX   Government. He was stationed in a camp in XXXX for 5 years and he was now breaking his contract upon renewal to come back to NY. He stated he was a US citizen born and raised in NY. He stated that the government paid for his accommodations and travel. When he made the plans to come home they gave him a plane ticket and sent him on his way. He never asked for any money and in fact made me the Beneficiary of a {$800000.00} payment he had coming in.There was  a transfer fee of {$5000.00} which I refused to pay. When these RIA transfer were made I was promised by XXXX XXXX XXXX he would send me {$250000.00} upon arrival to NY. When he arrived at the airport there started to be all these fees for a yellow card, a green card, a validation stamp, then since there was so terrorism going on he needed money for a security card to travel and at the end there was a fee for a anti-terrorist card. At this point I felt it was out of control. After the RIA transactions they started using US citizens as transfer " mules '' to collect the coming which I have reported to my bank in order to get my money back. I plan to report these individuals to their US banks to at least check out their transactions. 
It is my hope through your investigation I might be able to regain my money, some of the money spent on these RIA accounts. I do not blame the stores for any of the actions. I hoped the US government ( your Consumer Financial Protection Bureau ) would be able to help in some way. Please advise of any recovery or recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: TX

Complaint narrative:
My primary loan servicer in XXXX was Nelnet. I sent them my tax return in XXXX, which was {$0.00}. I also applied for REPAY plan and got it. started a job as a XXXX XXXX. They asked me for my pay sub and I sent them. They calculated my monthly payment as {$340.00}. My loans are around {$500000.00}. My annual income is ~XXXX prior to pretax reduction and taxes. The pay sub I sent them was an overestimate. Even with overestimation, my total gross income ( pretax ) was {$55000.00}. Based on FSA repayment calculator, a minimum charge should have been {$300.00}. From what I understand the REPAY plan is 10 % of Discretionary income. My Discretionary income in XXXX ( based on that pay sub that I sent ) is : ( $ XXXX XXXX ( pretax reduction ) - XXXX ) =XXXX  ( biweekly ) XXXX= $ XXXX {$12000.00} ( poverty guideline hhs XXXX ) = {$34000.00}. 10 % of this is XXXX. XXXX per month. If I put this in FSA loan repayment calculator wand choose PFLS and my monthly payment is {$130.00} per month. I brought this to their attention multiple times. I called them multiple times and talked to managers and different reps and they told me that's how it works. I also called a week ago and they brush me off. I also have a twin sister with the same amount of loans but making {$5000.00} per year less than me and she paid {$0.00} last year and this year she is paying {$10.00}. When Nelnet transferred my loans to XXXX for consolidation. XXXX XXXX  did not change the payment. I am in communication with them to reevaluate. It is very hard for me to pay {$350.00} per month. It is very unfair. It seems like XXXX XXXX  servicer does not want to refund me either. But, my main complaint is about Nelnet. It would be great if you follow up with XXXX too. BAsed on my tax return my AGI is {$25000.00}. I just can not believe there is this much difference in their calculation and my tax return calculation. I appreciate your time

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
My email complaint to Wells Fargo summarizes my problem. 

I am trying to get my name off of XXXX of my children 's accounts. They are now all adults and no longer need / want a joint account. I live in XXXX, they live in Minnesota. 

1 ) XXXX to XXXX # I was told that we need to go to the bank together. 

2 ) XXXX the XXXX #, inform them I can not get us at the same bank at the same time. I was told they could accommodate me by going to a branch and getting paperwork started. 

3 ) XXXX-I go to the XXXX bank and was warmly greeted by a young man. I explained my need and he said they could accommodate me. They were busy and I was unable to stay because of another appointment. The young man suggested I come back Saturday. 

4 ) XXXX-I go to the XXXX branch. I was told by a young man they could not accommodate my request unless all parties were in a bank at the same time. This is not possible due to schedules. I said that differed from what I had been told, he said always call a branch, never the XXXX # and he could not help me. No empathy or care was shown. 


I need this accounts separated NOW!!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I opened this account for my XXXX daughter 5 months ago. Although I made an error with her social security number, they have failed repeatedly to correct, or return my money. the office claim that we should call XXXX whoever he is would help was not true they did nothing but ask us to call if it was still a problem.. We have verified all information repeatedly. we have complained in writing over 16 times. Spending hours on the phone with no verification of conversation.they refuse or are incapable of resolving and refuse to close the account and make funds available or transfer to our joint account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: TN

Complaint narrative:
Quicken loans fails to apply principal-interest payments : Quicken Loans has received principal-interest payments in full but have not applied one or more payments to the loan pay-off. All payments have been exactly in accordance with the mortgage loan contract including the schedule for principal-interest and in accordance with the schedule in the approved escrow agreement. Beginning in XX/XX/2019 separate checks have been issued for principal-interest payments and for escrow payments. All payments have been received on or before the due date by Quicken Loans. Quicken loans cashed the XXXX  payment check that is clearly identified as principal and interest and the check clearly identified for for escrow but failed to apply the principal-interest amount to the loan repayment.

The billing statement dated XX/XX/2019 falsely states that the last paid principal is {$0.00} and the last paid interest is {$0.00}. The canceled check that was cashed by Quicken Loans on XX/XX/19 for the XX/XX/2019 payment clearly stated that principal was {$750.00} and interest was {$700.00} for a total of {$1400.00}. Also Quicken Loans notified the client by e-mail on XX/XX/19 about payment information as follows : Payment received : {$1600.00} ( included escrow ) Total applied : {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I disputed this collection, you inturned provided me information from the original debtor showing figures that I believe to be inaccurate and also claims of repair and fix up on items in the apartment that I know where false, as well as unreturnable items belonging to the company as well. 

I am requesting that the following inaccurate items be immediately investigated. Please delete this misleading information in order to show my true credit history. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record. The balance is falsely inaccurate, please remove this account from my report, cause it is very misleading and also a LIE. This is a straight out VIOLATION OF THE LAW and it should go against the integrity of your that company that continues to publish this FALSE AND MISSLEADING INFORMATION IQ DATA INTERNATIONAL - XXXX BALANCE IS INCORRECT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I used a prepaid bluebird Amex card that I use for my some purchases or to pay bills to merchants I do not trust. I add funds to this account through linking my bank atm debit card linked to my XXXX XXXX checking account. Bluebird is telling me XXXX XXXX denied transaction transfers, yet XXXX XXXX checking was debited and transactions were paid to bluebird, yet my bluebird account was not credited for all the transactions. Plus, within the past month, every time I open the bluebird app, a different three digits appears in the user name spot. Its always three digits but always three different digits every time I open the app. These three digits are a mix of numbers and/or letters ( some of the digits are strange and not even on any of my phone keyboards. One such example of this is one of those three digits was an elongated /p/ where the straight line continues up above the circled area ). I called bluebird and transferred me to claim specialist and she gave me an email to send the screenshots I started taking. However, despite going over the email with her to make sure I wrote it correctly, it bounced back, informing me there is no such email address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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: MD

Complaint narrative:
I do no recognize to following inquiry XXXX XXXX XXXX Inquiry from XX/XX/2017. Please investigate to ensure there is no fraudulent activity.

Company response to consumer: Closed with explanation