vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
The law firms are representing Bank of America in a foreclosure and filed a Notice of Hearing on Foreclosure of Deed of Trust on XXXX XXXX, XXXX, and the law firms used Fraudulent documents that were sent to them by Bank of America. The law firms have been notified of the fraudulent documents but have done nothing to stop this fraudulent foreclosure. The new Foreclosure Sale date  is XX/XX/XXXX XXXX, but the foreclosure sale has not been canceled and dismissed due to the filing of the Foreclosure with fraudulent documents. The Note filed is fraudulent in several ways but the main reason it is a fraud is that it is not the Note that I signed at the Closing which was XXXX XXXX, XXXX. The Note is already fraudulent because the lender listed on the note is America 's Wholesale Lender and they are a fictitious lender that was used by Countrywide Home Loans to originate mortgage loans in XXXX and the above-noted lender was not licensed in the State of North Carolina or any state in the United States because it was a fictitious lender and not Legal to originate or fund mortgage loans in the first place.

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 2017-10-17 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: PA

Complaint narrative:
A fraudulent purchase was made on my Macy 's card  on XXXX/XXXX/XXXX. As this is a rarely used card and I had paperless billing set up, I did not notice the charge until I started receiving phone calls for my account being past due. The fraudulent purchase was reported to Macy 's immediately upon discovery on XXXX/XXXX/XXXX. They sent me a form to fill out that was dated XXXX/XXXX/XXXX, which was filled out and returned to them with all requested information on XXXX/XXXX/XXXX. I have called them nearly every month to check on the extremely slow progress since then. The majority of the charges were finally removed in XXXX, however, late fees accrued that are directly related to the fraudulent purchase still remain on my account as of XXXX/XXXX/XXXX. In addition, this has reflected extremely negatively on my credit score, as all of this has been reported to the credit bureaus as if I am not paying my bill.

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 2017-10-17 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:
these companies was not authorize to pull my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 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: NY

Complaint narrative:
I have an Account with XXXX XXXX. My credit report reflects that a 30 day late payment has been reported for XXXX and XXXX XXXX This is incorrect. I contacted XXXX who concurs that my account has never been late. They informed me that they could not send me a letter but I would need to dispute directly with the credit bureaus since they do not see me in their systems as every having been paid late. I have disputed with all three credit bureaus with no success. I am in the process of applying for a mortgage and this incorrect reporting is penalizing me. Please help.

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 2017-10-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
The law firms are representing Bank of America in a foreclosure and filed a Notice of Hearing on Foreclosure of Deed of Trust on XXXX XXXX, XXXX, and the law firms used Fraudulent documents that were sent to them by Bank of America. The law firms have been notified of the fraudulent documents but have done nothing to stop this fraudulent foreclosure. The new Foreclosure XXXX date is XXXX XXXX, XXXX, but the foreclosure sale has not been canceled and dismissed due to the filing of the Foreclosure with fraudulent documents. The Note filed is fraudulent in several ways but the main reason it is a fraud is that it is not the Note that I signed at the Closing which was XXXX XXXX, XXXX. The Note is already fraudulent because the lender listed on the note is XXXX XXXX XXXX Lender and they are a fictitious lender that was used by Countrywide XXXX Loans to originate mortgage loans in XXXX and the above-noted lender was not licensed in the State of North Carolina or any state in the United States because it was a fictitious lender and not Legal to originate or fund mortgage loans in the first place.

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 2017-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: NY

Complaint narrative:
XXXX XXXX - I find on my credit report derogatory information from Discover Card that does not belong to me. I dispute this information through the Credit Bureaus, XXXX concedes it should not be reported, and the tradeline is removed from my credit report. 

XXXX XXXX - CFPB XXXX XXXX. XXXX & XXXX - I received a creditor 's garnishment in a paycheck and a letter advising of such. This is from XXXX XXXX XXXX XXXX, by way of a debt from Discover Card. After attempting to remedy this over the phone with XXXX, and advise of the history with XXXX XXXX above XXXX, and getting nowhere ( as I was simply told my information would be passed along ), I file a complaint through the CFPB, disputing the debt further. 

XXXX defers to XXXX who in turn pass along a judgment for a debt owed, as well as Collections Notices and statements showing past due amounts owed. All of these were mailed to an address that I did not reside at during anytime in my adult life. 

As a result of the documents XXXX forwarded, I requested a copy of any originating paperwork, as I 'm now concerned ( confident? ) that this account was opened in my name without my authorization. ( Of course, I had no recourse to dispute it outside of the XXXX XXXX credit bureau dispute - though since it was corrected rather immediately, I was under the impression it was a straightforward error at that time. ) The only information XXXX XXXX XXXX have provide with regard to the origination of this debt, was a statement saying, essentially, " Well we have your information on file. So clearly you opened this account. " ; given the environment in the financial industry, particularly around sales practice fraud and misconduct ( i.e. XXXX XXXX XXXX, this statement/insinuation is irresponsible at best and indicative of a larger problem with XXXX at worst. 

After this, the funds deducted from my paycheck were returned to me, as expected. And I did n't hear form XXXX or XXXX again. Until this month. 

XXXX XXXX - I received a letter from XXXX, again advising that I owed this debt, and that they would be pursuing the funds by way of the judgment I referenced earlier. XXXX months after I was under the impression this was corrected or fixed for the second time. XXXX years after I was under the impression this was fixed the first time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 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: CA

Complaint narrative:
I have several inquiries on my account that I do not recognize. I got an email yesterday stating there was a hard inquiry to my account from XXXX XXXX XXXX done for a credit limit increase. As a consumer it is already difficult reading through fine print and credit jargon that comes with credit. XXXX XXXX XXXX makes it difficult to identify if credit limit increases will result in a hard inquiry or not. XXXX XXXX XXXX is known to display promotional banners on their website for eligible credit limit increases to credit worthy candidates that abruptly appear. When I applied for a credit limit increase I thought that was the case, and they pulled my credit history without my knowledge. They need to provide more emphasis whether or not their products will need a hard or soft inquiry. More transparency is needed. The not so knowledgeable credit seekers are the real victims here to at times misleading credit card issuers. I read there was an inquiry issue with XXXX during that year, XXXX, it XXXX or not be related. The Equifax breach was what made me check my credit history. I have found these inquires that I dont remember applying for. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX PO BOX XXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX : XXXX XXXX NA XXXX XXXX, XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY Equifax : XXXX/XXXX/XXXX XXXX XXXX BANK XXXX/XXXX/XXXX XXXX BANK XXXX, XXXX A I have tried calling but I do not have the power to influence them. In this day and age of hackers, auto logins for websites, scams, identity theft, and even family identity theft the public is at the mercy to these XXXX giant credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 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: CA

Complaint narrative:
I have several inquiries on my account that I do not recognize. I got an email yesterday stating there was a hard inquiry to my account from XXXX XXXX XXXX done for a credit limit increase. As a consumer it is already difficult reading through fine print and credit jargon that comes with credit. XXXX XXXX XXXX makes it difficult to identify if credit limit increases will result in a hard inquiry or not. XXXX XXXX XXXX is known to display promotional banners on their website for eligible credit limit increases to credit worthy candidates that abruptly appear. When I applied for a credit limit increase I thought that was the case, and they pulled my credit history without my knowledge. They need to provide more emphasis whether or not their products will need a hard or soft inquiry. More transparency is needed. The not so knowledgeable credit seekers are the real victims here to at times misleading credit card issuers. I read there was an inquiry issue with XXXX during that year, XXXX, it may or not be related. The XXXX breach was what made me check my credit history. I have found these inquires that I dont remember applying for. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX Experian : XXXX XXXX XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXXXXXX XXXX I have tried calling but I do not have the power to influence them. In this day and age of hackers, auto logins for websites, scams, identity theft, and even family identity theft the public is at the mercy to these 3 giant credit bureaus.

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 2017-10-17 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: VA

Complaint narrative:
these companies was not authorize to pull 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 2017-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The company XXXX XXXX is reporting on my credit report with a debt owed. I never had a contract or business with this company. I tried to dispute and the credit agencies are saying that the account was verified by the creditor but provided no documentation or proof. My next step is to start ligitation against XXXX, XXXX and equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 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: U.S. BANCORP
State: MN

Complaint narrative:
XXXX 's client XXXX XXXX is an identity theft victim. His information was used to apply for a credit card with XXXX XXXX without his consent. That application resulted in an inquiry being made into his credit. An official dispute of that application was submitted to XXXX XX/XX/XXXX and received by XXXX XX/XX/XXXX ( certified mail, return receipt ). As of this date XX/XX/XXXX, XXXX has not replied with the outcome of the results of a re-investigation as they are obligated to do under the FCRA.

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 2017-10-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have an Account with XXXX XXXX. My credit report reflects that a 30 day late payment has been reported for XXXX and XXXX XXXX. This is incorrect. I contacted XXXX who concurs that my account has never been late. They informed me that they could not send me a letter but I would need to dispute directly with the credit bureaus since they do not see me in their systems as every having been paid late. I have disputed with all three credit bureaus with no success. I am in the process of applying for a mortgage and this incorrect reporting is penalizing me. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have an Account with XXXX XXXX. My credit report reflects that a 30 day late payment has been reported for XXXX and XXXX XXXX. This is incorrect. I contacted XXXX who concurs that my account has never been late. They informed me that they could not send me a letter but I would need to dispute directly with the credit bureaus since they do not see me in their systems as every having been paid late. I have disputed with all three credit bureaus with no success. I am in the process of applying for a mortgage and this incorrect reporting is penalizing me. Please help.

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 2017-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The company XXXX XXXX is reporting on my credit report with a debt owed. I never had a contract or business with this company. I tried to dispute and the credit agencies are saying that the account was verified by the creditor but provided no documentation or proof. My next step is to start ligitation against Experian, XXXX and 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 2017-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: OK

Complaint narrative:
The response I received states that US Bank does n't have my loan. However, I received a letter in the mail, which indicates that US Bank will not provide a response, because the address on record is incorrect. This is extremely frustrating, as I clearly provided everything US Bank needed to respond to my complaint within my prior inquiry and received a push off. Again, I have detailed my concerns below and EXPECT TO RECEIVE A RESPONSE. I have NOW updated my address, therefore, US BANK is required to provide me a response. They hold the loan to my vehicle! I am also considering forwarding this matter to the appropriate regulatory bodies for escalation. 

I have attempted to obtain an understanding of the delinquent balance I owe, concerning my vehicle loan with US Bank, however, have had difficulty obtaining a clear distinction. I emailed US Bank requesting a complete payment history effective with the date I obtain the vehicle loan, as well as, an explanation as to how my payments have applied. The response I received was partially helpful, as the representative attempted to explain to me, when my grace period was, and the amount of the late charge I would receive if the payment is not remitted by the date due. I however did not receive a copy of my payment history to assess the application of my funds. When I responded, advising that the email did not convey any information I did n't already know, I requested supporting documentation to validate that fee 's are applied prior to the application of my payments towards ( P & I ). Again, I received a reply which did not provide me a copy of my payment history, rather I was advised I would be charged a {$25.00} fee to obtain a complete copy of my payment history. This is absurd to charge a consumer {$25.00} for a copy of there payment history when I am making an effort to understand the balance I owe, and resolve my delinquency. 

I have now went online, and was able to search the transaction history on my loan ( attached ) which revealed the application of my payments. Its absurd how the email response representatives, as referenced above, could nor provide me direction on how to obtain the transaction history online, rather reverted with illogical responses and went straight to charging me a fee to provide a copy of my payment history! 

I have been charged {$480.00} in late charges! Of this amount, I have paid ( estimated ) {$240.00} towards that balance! Based off my online account, my current past due balance is {$670.00}, which I believe consist of {$440.00} for the XX/XX/XXXX, 2017 monthly installment and remaining balance of {$230.00} late charges.

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 2017-10-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have been trying unsuccessfully to submit a dispute to the company for inaccurate information on my report. I have been blocked from filing complaints online via the web portal, I have been blocked from filing email complaints, I have filed via US mail and they are ignored. I called the customer service number on XXXX/XXXX/XXXX to speak to someone about my disputes and was told I had not filed any disputes. I asked to file one and hey said in broken English I would have to mail it in with identification. I am going to provide this agency the disputed info and maybe you can get a response from this company. 
I have two accounts that they have listed on my report that I demand be removed as I proved in court were not mine. I will attach a copy of the dismissal from the company, if I am allowed to attach items. In case number XXXX XXXX XXXX XXXX XXXX XXXX i was sued for the alleged debts listed on my credit report XXXX XXXX XXXX, and XXXX XXXX. I was able to defend against these suits and prove that the accounts were not mine. XXXX was forced to dismiss without prejudice the suit. I also received a letter from XXXX XXXX sowing i did not owe the debt. 

I have contacted the company XXXX XXXX XXXX about this alleged debt that is listed on my report and they have no knowledge of me owing this debt now, and are stating they are not reporting it on my report. When i told this to the agent on the phone they said to mail in a dispute. I have disputed this in the past and asked for method of verification and never received a response. 

I notified this agency, XXXX XXXX, and the XXXX via a complaint that these were fraudulent accounts and have not received a response from anyone on these two accounts. I spoke to the store and they admitted to me that there was fraud but claim that they can not do anything about the entries on my credit report. the credit reporting agency refuses to allow a dispute This company goes out of there way to make it impossible for a person who is the victim of theirs to get a resolution to a dispute. They have blocked me from filing disputes, and say its for my own protection that i can not see my credit report, that is of course unless i buy there service then i can see everything online.

Company response to consumer: Closed with explanation