vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-30 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: TX

Complaint narrative:
I called the credit Bureaus to report unauthorized inquires on my credit file, and I was told to contact the companies directly it was nothing they could do on XXXX. I spoke with all the companies listed below and was told I had to contact the Bureaus for the unauthorized inquires on my credit file. These are fraudulent and need to be removed as soon as possible. The fraudulent accounts are listed below ... 

XXXX XXXX XXXX ran in inquires listed below : A total of 5 times on different days without authorization. 
XXXX XXXX XXXX : Inquiry dates : XXXX, XXXX, XXXX " claimed they didn't run my credit '' after I spoke with them on XXXX. 
XXXX XXXX : Inquiry dates : XXXX, XXXX " claimed they didn't run my credit '' after I spoke with them on XXXX XXXX XXXX XXXX ran the inquiries listed below without authorization, a total of 8 times. I went to the dealership XXXX and requested to speak with the manager XXXX and informed him I didn't authorize these inquires : XXXXXXXX XXXX   inquiry date : XXXX XXXX XXXX : XXXX XXXX XXXX   inquiry date : XXXX XXXX XXXX XXXX XXXX inquiry date : XXXX XXXX XXXX XXXX inquiry date : XXXX XXXX/XXXX XXXX   inquiry date : XXXX XXXX XXXX XXXX inquiry date : XXXX XXXX XXXX XXXX : inquiry date : XXXX These companies all been contacted individually by phone and I was told to contact the credit Bureaus after I explained to the companies that I had already spoken the each credit Bureaus and the Bureaus had to me contact each company because they couldn't do anything.

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 2018-06-30 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: TX

Complaint narrative:
I called the credit Bureaus to report unauthorized inquires on my credit file, and I was told to contact the companies directly it was nothing they could do on XXXX. I spoke with all the companies listed below and was told I had to contact the Bureaus for the unauthorized inquires on my credit file. These are fraudulent and need to be removed as soon as possible. The fraudulent accounts are listed below ... 

XXXX XXXX XXXX ran in inquires listed below : A total of 5 times on different days without authorization. 
XXXX XXXX XXXX : Inquiry dates : XXXX, XXXX, XXXX " claimed they didn't run my credit '' after I spoke with them on XXXX. 
XXXX XXXX : Inquiry dates : XXXX, XXXX " claimed they didn't run my credit '' after I spoke with them on XXXX XXXX XXXX XXXX ran the inquiries listed below without authorization, a total of 8 times. I went to the dealership XXXX and requested to speak with the manager XXXX and informed him I didn't authorize these inquires : XXXXXXXX XXXX   inquiry date : XXXX XXXX XXXX : XXXX XXXX XXXX   inquiry date : XXXX XXXX XXXX XXXX XXXX inquiry date : XXXX XXXX XXXX XXXX inquiry date : XXXX XXXX/XXXX XXXX   inquiry date : XXXX XXXX XXXX XXXX inquiry date : XXXX FXXXX XXXX XXXX : inquiry date : XXXX These companies all been contacted individually by phone and I was told to contact the credit Bureaus after I explained to the companies that I had already spoken the each credit Bureaus and the Bureaus had to me contact each company because they couldn't do anything.

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 2018-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: GA

Complaint narrative:
This happened in XX/XX/XXXX/XX/XX/XXXX. I was in a relationship where my significant other used my Social Security number to obtain a cell phone and account with the phone company all without my knowledge. This was completed twice with two different phone companies without me knowing before my significant other and I left one another. 

I did not authorize such accounts or billings. It was forged. I did not go to the authorities at the time because I was unaware of such accounts and did not know they were collecting debt. 

In XX/XX/XXXX/XX/XX/XXXX I was made aware of one of the phone company accounts and did my best to pay them because I could not make contact with my previous significant other. Nor could I report her because there was no evident fact that I could prove that she used my information without me knowing.

Now the second phone company XXXX XXXX XXXX has sent my account ( {$1000.00} ) to XXXX for debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank has been calling and harassing my family members about a credit card that I didn't open or use. Citibank opened this card and apparently allowed someone else to access the credit on the card. This account is not mine. I am a victim of identity theft. I have attached copies of documentation.

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 2018-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC
State: OH

Complaint narrative:
The debt collector ( s ) have my number but I am not the person they are looking for. They are looking for a person with a similar name. I realize that debt collection calls are allowed but I am not the person they are looking for and they won't stop calling. If I get one collection agency to stop ; they sell my number to someone else and the annoying, harassing calls start all over again. This is harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am a victim of identity theft. I banked with Bank of America for several years. Someone accessed my account and made a {$300.00} deposit into my checking account using a paper check that was stolen from my apartment. I have attached a copy of the police report. The deposit was made at a Bank of America ATM machine so there should be a video tape of the deposit being made which will show that it was not made by me. Bank of America froze all of my accounts and then closed them because of this deposit. Upon handling the closure of the accounts I noticed that a new credit card had been sent out to someone else ( not me ) and that several charged to my credit card and debit card were made without my knowledge or authorization or approval. I notified Bank of America and they denied my claim saying that it was me that made the purchases. 

One of the charges on the debit card was for a XXXX office in XXXX Texas. The manager of the XXXX office acknowledged that it was not me that used the card! They told me that another patient used the card over the phone and that it was not XXXX XXXX who made the purchase. Bank of America knows this and has continued to attempt to collect this debt and has now reported my account to XXXX XXXX XXXX. 

Regarding the credit card, my limit was {$700.00} and I always paid my card on time. When my accounts were closed somehow my limit was {$5000.00} and there were several thousands of dollars in charges that I did not make. 

Bank of America told me that no negative reporting for the checking accounts would be made to any credit reporting companies, however that turned out to be a lie. 

Someone stole my identity, made copies of my cards and apparently stole checks too. Pull the surveillance video! It was not 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 explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I received an email from Equifax telling my dispute has been completed and to follow the link in the provided email to view the results. With my confirmation number I click on the provided link and fill in my personal information and click check status. I am than greeted with an error message from Equifax stating the information I provided doesnt match their records. I am able to successfully login to my account and view my credit report, but unable to view my dispute results with my correct personal information. I do not understand why I can not get my dispute results. I have tried getting through to Equifax unsuccessfully via phone. Ive had problems with Equifax since XX/XX/2018 when I tried to get a free copy of my report, each time I was told either my information didnt match what they had on file or my process to receive my report online couldnt be completed and i needed to request my report by mail. Since than I filed a complaint with my states Attorny General and miraculously after complaining I was able to get my free report online for the first time with no problem. I was told I could view my free report for 30 days, every time I try logging in I have to reset my passcode just to be able to login again. Equifax does not remember the password I set. This happens every time I login to Equifax and quite frankly Im fed up with dealing with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 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: NY

Complaint narrative:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. XXXX County Police Report # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
This past year I went to the hospital because I had multiple XXXX in my XXXX XXXX, it was something I couldnt heal by myself, it was a real emergency. Since I dont receive medicaid but I do have the healthy texas women insurance I thought that was going cover it but no it didnt, they dont accepted anywhere I went and since I dont work I only go to school, I dont have the money to pay back.

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 2018-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD

Complaint narrative:
Capital One is blocking 3rd party apps from accessing my account. When I spoke to multiple customer service agents and supervisors and they said that there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 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: NY

Complaint narrative:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. XXXX County Police Report # 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 2018-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Over the past 6 years I have been filing many complaints ( reminder, I am legally XXXX And XXXX yrs old with many XXXX related illnesses that can cause severe affects due to ongoing and constant XXXX ) with you the CFPB and have sent in so many documents regarding so many wrongs done to me by XXXX XXXX XXXX XXXX XXXX. Here is Another, the accounting has been once Again played with by XXXX XXXX XXXX XXXX XXXX. Now also in regards to the " escrow account '' ( I pay my own ) and I only stopped making mortgage payments ( XX/XX/XXXX ) after 29 years of regular payments since obtaining of my proof of fraud on XX/XX/XXXX in regards to the note and mortgage original documents being Falsified and my signature forged. XXXX XXXX XXXX XXXX XXXX is aware!. Please see the uploaded " accounting '' of the so called escrow account. Again I paid Regular payments until XX/XX/XXXX due to new proof of evidence of fraud. Please compare the figures, one says I owe over {$1000.00} and the other says {$29.00}. Also my credit has been Dinged by XXXX XXXX XXXX XXXX XXXX since XX/XX/XXXX when they started harassing me by sending a person to spy on me at my home once a month calling it " Corporate advances '', and monthly charging me for " Inspection Fees '' still going on. The dinging of my credit is and has been going on that long! causing continuous damages and still continues! Please see most recent upload regarding " credit dinging '' even though the foreclosure process has been put on Hold, due to the enormous illegalities of this Attempted illegal foreclosure. Please see all attached files. I tried to upload more from my credit monitoring XXXX XXXX but ran into technical difficulties, but it goes from XX/XX/XXXX through to XX/XX/XXXX my credit being dinged for major derogatory by XXXX XXXX XXXX XXXX XXXX. If need be I can contact this company for a more complete and detailed proof of this ongoing and regular dinging of my credit causing more And more damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I received a statement from XXXX Anywhere Visa Business Card by Citi about an overdue payment 3-4 months ago. I immediately went online to pay the overdue bill and when I paid it, the company automatically enrolled me for paperless statements despite the fact that there was a box that had to be checked for them to enroll me for paperless statements and I did not check it. I stopped receiving paper statements and so I did not pay bills to the company for this time. The whole bill for the time I did not pay was for the amount of {$20000.00}. I have already paid {$18000.00} to the company. When I found out that I stopped receiving the paper statements, I paid this amount to the company and called them to ask them to send me my original billing statement which states the specifics of what each payment was made for. As a consumer, I have the right to know what I am paying for. I kept calling the company to ask if I could receive the billing statement, telling them that I would pay them but I need to know what I am paying for. The company still has not sent me my original billing statement. Over the phone the company told me I could see the billing statement information online. However, when I went online, I found out that they blocked my access to my information because of my late payments. They have also charged me an unreasonable amount in late fees and interest that I refuse to pay. The total amount is {$2800.00}. For the past few months they have continued to send me bills telling me my overdue amounts in interest and late fees without sending my original billing statement. I called the company explaining that the amount was unreasonable but they have not done anything to resolve the issue.

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 2018-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
XX/XX/18 : I was notified by email that my checking account was negative XXXX. The branch is closed but the ATM machine is open. It is down for accepting deposits today. I have a photograph of the deposit feature unavailable if you need it. 

I had XXXX $ cash in my hand to deposit so not only would I have covered the negative balance, I would have had additional money to cover direct debits that might hit my account from now until Monday morning when I can walk into a branch. The nearest branch right now is 40 miles away and I dont know if their atm is down for deposits too? This is the fourth time this happened to me at that location with Wells Fargo on a weekend. 

I called their XXXX number for customer services and asked if an automatic payment was going to hit my account from now until Monday morning at XXXX if they would reimburse me the overdraft fees. He said no because I have autodraft on my account. I said yes but I also SHOULD have the ability to deposit cash and you denied me of this. If you deny me deposit then charge me overdraft fees, that is illegal. 

This bank has done this to me numerous times.

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 2018-06-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have had my Lowe 's consumer store card for more than 7 years. In that time I have always paid my monthly bill in full and on time, never late and always paid each payment in full. XXXX XXXX who handles the accounts for Lowe 's, has decided too close my account due too perception. I am recovering from some other bills and fell behind on some other accounts which adversely affected my overall credit score.how can they do this? When I have been a good customer and always paid the bill in time in full. Closing my account affects my credit score, how can this be right. I as the consumer abided by all the terms of my lowes card, again I paid it each month. How can they just 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 explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
Several different third party collection companies continue to send me a toll bill with different amounts from a state I do not live I have pay several invoices with different amounts from almost a year ago each time I ask is there anymore invoices in the systems they say no this is it then they waive administrative fees and I pay ... I have disputed numerous times based on duplicate invoices cooying of photos and creations of invoices, receivable too old based on date of violation and no violation code on invoice and different numbers and amounts on same collection notices from different companies. I believe this too be fraud and invoice and billing abuse because I am an out of state resident. 

Again I dispute all invoices with. 


XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, Oh XXXX XXXX Account # XXXX Creditor 's Account # XXXX Violation Code 0000000 I was there XX/XX/2017 I have paid numerous tolls while there and the ones sent through mail and was told that was it .... 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital one intentionally its blocking my checking account from enable external application.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I had received a XXXX XXXX card and needed to empty the card and deposit the funds into my acct.. I entered the branch location at XXXX XXXX XXXX XXXX, XXXX, TX XXXX and was met with XXXX, condescending treatment.. 

I made an attempt to remove the funds, however the XXXX agent with the dreds was not being helpful, requested that a Mgr get involved.. I have the pin code on the XXXX card, have my BOA debit card, know the access code and everything.. However, I was refused service and pushed off onto the ATM machine inside. I had difficulty with the machine and left flustered and abandoned by BOA.. 

I was able to retrieve funds, however I was charged ATM access fee when, if properly assisted, could have avoided this service fee ... Additionally, due to this problem & impotence of the banking center agents, I failed to get $ $ into the acct timely and now suffered a {$35.00} overdraft fee ... 

Additionally, I am still being debited {$12.00} account fee on both checking accounts ; when I was once given free checking, safety deposit box ... etc due to my Platinum mortgage status. These fees are egregious and XXXX XXXX evident of need to reform the banking industry.. I strongly believe put all banking in prison, " We the People '' are sick and tired of being bled dry!!

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