vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-19 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: OH

Complaint narrative:
In XX/XX/XXXX, my husband and I, applied for a mortgage through XXXX XXXX  in XXXX OH ( offices in XXXX and other towns too ), but on our report it shows XXXX XXXX. 

That isn't the issue. 

The issue is that in XX/XX/XXXX, our credit was ran again without our consent. 

The companies ' headquarters in XXXX has the XXXX, OH office delete all of our information, but this unapproved inquiry is still showing. The person in XXXX, OH that ran our credit was XXXX XXXX, and again, this was NOT authorized. 

This man became hostile, rude, and belligerent toward our XXXX faith when we ask about this ; and that is when we contacted the main office and asked for him to stop.

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 2019-03-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Billing amount is not accurate - Correct amount XXXX Billing date is not accurate - Correct date XX/XX/18 Incorrect account # - Account number ending in 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 2019-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XX/XX/XXXX, I opened a new checking account at a Huntington Bank branch, with the promotion saying '' {$200.00} bonus ''. After meeting their promotion bonus requirements, I didnot receive the bonus. 

When arguing in a Huntington Bank branch, they said I should have " direct deposit ''. That's terrible, because they didnot tell me about this in detail when opening the account. SO I just made deposit to the account. ( Sorry, I don't understand what's the difference between " deposits '' and " direct deposits '', you should tell me when opening account. ) And now they also have the promotion ( https : //www.huntington.com/XXXX? XXXX & XXXX & XXXX & XXXX : XXXX : XXXX  & XXXX & XXXX & XXXX & XXXX & XXXX XXXX XXXX & XXXX & XXXX ) The above link says : ) : " Make total deposits of at least {$1000.00} within 60 days of account opening. '' I don't know why they changed the promotion policy time by time. My friend have got the {$200.00} bonus. Why not me? 

The bank should treat the consumers equally. Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Genesis Lending
State: CT

Complaint narrative:
Payments have been made and cleared on my XXXX card, issued by XXXX XXXX XXXX XXXX, available credit does not reflect these payments. My credit limit is XXXX, balance is XXXX currently with these payments in amounts of XXXX and XXXX, last two payments posted. My available credit shows zero

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
I recieved notices to remove pet from my apartment and I complied. The following day I was admitted to the hospital for a week. While I was in the hospital the leading office allowed my family to enter the apartment without my permission and move my personal belongings into storage. They are failing to communicate with me and come up with a solution to the issues needing resolved. I was informed that new management had taken over and that it was a hassle for them to find any of my records/leasing information and even record of me living there. Ive attempted contact plenty of times including in person and no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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: NY

Complaint narrative:
I have an issue with XXXX and Transunion reporting. XXXX XXXX deleted an account off my credit report but it still shows on both XXXX and Transunion. XXXX XXXX is reporting different information to all the bureaus. Which is against FCRA. XXXX is suppose to be investigating this information but it doesnt seem like they are. Also my FICO scores are 200 points less than XXXX and 100 points less than Transunion. Something on XXXX side isnt reporting correctly. XXXX has 15 inquiries on my credit report that was unauthorized. I have not seek any credit from no company. Why was one paid account deleted from XXXX  but not the other two. Its making my credit look completely off. I need Transunion and XXXX explain why both FICO scores are so off from XXXX. If not corrected in a timely matter i would have to seek an attorney because this is causing me to lose my mortgage loan.

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 2019-03-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: TX

Complaint narrative:
At XXXX XXXX today someone from PNC called and said they were responding to my complaint. However they are sticking with their fake story. They refuse acknowledge their mistake. The only solution for me and all others who have been wronged by PNC. is to nvestivate them. And thats is the only way that they will correct their bad behavior and ripping of their customers. There is over 1400 complaints against them on XXXX XXXX Their practices are illegal and fraudulent and someone needs to check their transactions and bring charges against PNC. They need to appear in Congress before a banking committee. 
They will not change their behavior or acknowledge their errors unless actions are taken against them. I put in a complaint against them on the XX/XX/XXXX on your site.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION
State: MO

Complaint narrative:
On XX/XX/2019, voicemails were left for myself and a reference that were against the FDCPA. The voicemail left for myself was harassing by stating how long theyve tried to contact me, threatening by stating that hes called my refenences and extremely unprofessional by the tone of his voice. The voicemail to my references stated that he has been trying to contact me all month long, as well as stating directly where he was calling from. There was a phone to my other reference on this day as well and he spoke to her tell her his name, where he was from ( without being asked ), stated that hes tried to call me all month long and left a message with her to call me back. He left his name, number, and extension with the reference. 

For the voicemails left I have copies of both the voicemail left for myself and the voicemail left for my reference. However, they will not attach as they are not paper files. 

I contacted XXXX XXXX directly at XXXX XXXX and tried to explain that he violated FDCPA, he basically told me he didnt care and that I was past due {$250.00} and that my account needed taken care of. I asked to speak to a manager and was connected with a woman, who I told the violations to and explained how rude and unprofessional XXXX was. She apologized, but you could hear in her voice that she truly didnt care and was walking through the motions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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: CITIBANK, N.A.
State: VA

Complaint narrative:
my computer was hacked and i identity was stolen and i never applied to citibank/XXXX  on XX/XX/2018 and it is a hard inquiry and its on XXXX  and i would like it removed i have no phone number or address for them and i would like it removed

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 2019-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Nelson and Kennard, LLP
State: CA

Complaint narrative:
On XX/XX/2018, I placed a phone call to : The Law Office of Nelson and Kennard XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX This phone call was in reference to a credit card debt from XXXX  XXXX XXXX. My intent was to negotiate a payment plan and to avoid a judgement. I asked a simple question to the floor supervisor who I was on the phone with to try to understand what we were agreeing to : " So, what you're saying is that if I make a payment by Monday ( or I may have said the specific date ) you won't file a judgement? '' The supervisor did everything they could not to give me a direct yes or no answer, she kept waffling. I kept rephrasing my question because I wanted a direct answer, I wanted a yes or no or I wasn ; t going to agree to anything but I remained calm and continued to try to understand by asking questions. The supervisor became disgruntled and started yelling at me over the phone all because I was trying to understand something that she was not giving me a straight answer to. The supervisor was basically be-belittling me by yelling at me repeatedly and saying things like " WHAT PART OF THAT DON'T YOU UNDERSTAND!!!!??? " for me failing to understand her indirect, waffling response. 
By doing this, the supervisor violated the FDCPA 806 ( 5 ). She  repeatedly annoyed me by yelling at me in a be-littling, abusive way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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: FL

Complaint narrative:
I have contacted all 3 credit reporting agencies notifying them that these had inquires listed below are inaccurate and not authorized by me.I have ask over 45 days ago to Please investigate and remove this inquiries from my credit report, as it is having a negative effect on my loan applications and my acquisition of credit. I have sent letters via certified mail as it requires prompt attention and response from them to Please forward any documentation that they may have in regards to the removal of this credit inquiries. They are not cooperating and have not removed these inquiries that are affecting me. 
XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX   XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX Inquiry : XXXX. XXXX, XXXX. XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX. XXXX XXXX Inquiry : XXXX. XXXX, XXXX. XXXX XXXX   Inquiry : XXXX XXXX, XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Inquiry :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 explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
My husband and I recently separated. On XX/XX/2019, I paid my car payment ( {$620.00} ) out of mine and my husbands joint account. On XX/XX/XXXX, I noticed the payment had been reversed and put back into our joint account. I called Navy Federal Credit Union and found out he had called and reversed the payment. On XX/XX/XXXX, I transferred the {$620.00} to my account ( his name is not on that account and has never been on that account ) and paid my car payment again. When I checked my account the next morning, the payment had been reversed again. This time, the money went back to an account that I do not have access too. Therefore I was unable to get that money back. NFCU told me that since his name was on the loan, that he was entitled to the money on that loan. However, my problem is that when the payment was reversed, it should have never been put into an account other than the one that it came out of. I spoke with a few different people at NFCU and was never able to get this resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Back on XX/XX/XXXX, I noticed there was an account on my credit report which I did not recognize. It was a collection to Midland Funding for {$9000.00}. Upon closer examination of the account, it said Midland was collecting a XXXX XXXX Credit Card balance for the aforementioned amount. I have never had a XXXX XXXX Credit Card. 

I disputed the account with the credit bureaus because I was sure this was a case of mistaken identity or the account was on my report accidentally. Once I received my results recently I was surprised to see the bureaus had verified that this debt was mine. I know this is impossible because again I have never had a XXXX XXXX Credit Card. Today I attempt to call Midland Funding directly and try to reach a collector. Once I get to a collector, they tell me that there is an attorney on file. They won't allow me to speak to them unless I send them a letter in writing saying I am revoking the attorney on file. Because I've never had an attorney, and because I've never had a XXXX XXXX, I know this account is not mine. Unfortunately they don't care. I can't even speak to a collector to get to the bottom of this account unless I revoke an attorney who I have never hired. I also don't want to revoke an attorney for the individual this debt does belong to. It might actually mess him up. I am now asking that you help me in this because at this point, short of suing them, I don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Trans Union Credit Reporting Service continued to bill an expired credit card reported stolen to the Bank. The expired credit card was also listed as expired on the account services section. In addition, the address listed was an address from several years prior. 

The credit card expiration date and address listed should prevent Trans Union from Billing the card. 

Notifications were sent that the card was not able to be billed but they billed the card anyway, therefor I had no way of know they were billing an old expired card.

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 2019-03-19 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: Colony Brands, Inc.
State: VA

Complaint narrative:
my computer was hacked and i identity was stolen and i never applied to XXXX on XX/XX/XXXX and it is a hard inquiry and its on XXXX  and i would like it removed i have no phone number or address for them and i would like it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: AZ

Complaint narrative:
complaint against loan depot. Lender forced flood insurance on the property on XX/XX/XXXX and paid {$2500.00} causing an escrow shortage than now I'm repaying with a {$500.00} extra pmt per month. I provided several times an active flood policy to the lender showing enough coverage and no lapses and called them many times to see when the {$2500.00} will be refunded and deposited back on my escrow. They keep telling me over the phone that it will be soon refunded but still as ofXX/XX/XXXX i am repaying the mortgage

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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: Radius Global Solutions LLC
State: CA

Complaint narrative:
I attended XXXX XX/XX/XXXX -XX/XX/XXXX, XXXX closed and every class I took it considered worthless as the school no longer exists..I wasted my time and money. XXXX put this loan in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I placed a security freeze on my account in the fall of 2018 after someone fraudulently opened a credit card in my name. That dispute, with XXXX and XXXX XXXX, was resolved properly and reported correctly. Now I need to lift the security freeze with Experian, and I am applying for a loan, but Experian 's website and phone support are XXXX bad. After 1/2 an hour I finally reached a human who told me he needed to mail me a PIN number to use to lift the freeze, with no other options, despite my giving him every possible identifiable piece of information about my account. This will take 7-10 days. In the process, Experian took every opportunity to sell me additional services and subjected me to endless automated phone sales pitches. How this company is accredited to serve the public in such an important way and somehow designated a " bureau '' as if it's not just a private money-making company is mystifying 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 2019-03-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: WA

Complaint narrative:
After doing research regarding Internet payday loan laws in the State of Washington, I have found that your Internet payday loans are actually illegal. I have been in contact with Washington State Department of Financial Institutions and they have verified that your company is not licensed in Washington, therefore the loan contract I have with you is not valid. Although I am not legally required to do so, I am willing to repay the principal balance of this loan. 
I received a deposit of {$300.00} on XX/XX/2018, and have had bi-weekly withdrawals totaling {$760.00} debited from my account. Which includes the finance charge of {$45.00} based on Washington State payday loan laws. This results in the amount financed balance of an over payment of {$410.00} When will you refund the overpayment of {$410.00} to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
I have set up automatic payments and they are set to coming out on every XXXX day of the month. This month I didn't come out after I set it up with my new bank account information. Conns have called me repeatedly 30 mins apart ( I have phone records to prove it ) and that is harassment! I have never been late this company!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
Company is using a " spoofer '' to simulate calls from my area code. I get continuous calls at home and AT WORK from local, fake numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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: FL

Complaint narrative:
I have contacted all 3 credit reporting agencies notifying them that these had inquires listed below are inaccurate and not authorized by me.I have ask over 45 days ago to Please investigate and remove this inquiries from my credit report, as it is having a negative effect on my loan applications and my acquisition of credit. I have sent letters via certified mail as it requires prompt attention and response from them to Please forward any documentation that they may have in regards to the removal of this credit inquiries. They are not cooperating and have not removed these inquiries that are affecting me. 
XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXX XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXX XXXX Inquiry : XXXX. XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX. XXXX/XXXX  XXXX Inquiry : XXXX. XXXX, XXXX. XXXX/XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX. XXXX XXXX Inquiry : XXXX. XXXX, XXXX. XXXX/XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX. XXXX XXXX/XXXX-XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX.

Company response to consumer: Closed with explanation