vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX an amount of {$720.00} was charged to my Citi Credit Card. The payment was rejected by the vendor, XXXX and the amount shows as pending on my credit card statement. I did not receive flight information from XXXX and they asked me to contact Citi Bank. Citi Bank still refuses to cancel the charge. 

Please assist. 

Thanks, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I called Bank of America because none of my business account alerts were being received. This triggered {$140.00} in fees for my two business accounts. 

They alerted me that all my alerts for my corporate account were cancelled. They tried to see why and fixed all my alerts to work. 

I was advised to use these alerts to cover any overdrafts. 

After asking for a refund of the fees, I was informed that their banking alerts are not considered bank error. Then I was told I was charged an overdraft fee only for posted transaction. 

It was a pending transaction that caused the overdraft. Then they said I can speak to the overdraft department. 

That department does not handle those fees. So I called back and was transferred to a supervisor named XXXX. 

Where he was very insulting and disrespectful stating that the banking alerts that I set up would not work and it was not their fault. 

And that their banking alerts which are tools to minimize client risk. I have been charged {$140.00} in fees.

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 2018-06-20 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
See list of inquiries on my credit that I did not authorize and I know nothing about. 
XXXX/XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX XXXX/ XXXX XXXX   XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX/XXXX   XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX 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 2018-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have been looking at my report and I seen a few thing that are not right. 
First up my name is : XXXX XXXX XXXX. Please remove any other variation and spelling. 
My current address is XXXX XXXX XXXX XXXX XXXX, XXXX, Oh XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. 
XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX I am a victim of ID theft and I have not been it XXXX in over 6 years. I currently am a residence of XXXX Ohio

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 2018-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FM

Complaint narrative:
Earlier this year, I got my annual credit disclosure from Trans Union. I noticed that my XXXX XXXX XXXX, open since XX/XX/XXXX, was reported as 31-60 days late for XX/XX/XXXX. This was not accurate, and I disputed this to Trans Union in late XX/XX/XXXX. The XXXX XXXX account was reported in the adverse accounts section of my report. 
Trans Union responded later to my dispute and stated that its dispute investigation results showed the information had been verified and updated, and the 30-day late payment for XX/XX/XXXX was removed and now reported paid as agreed. 
In XX/XX/XXXX, I checked my Trans Union credit report and it showed the tradeline with no late payments reporting, and the account appeared in the satisfactory accounts section of the report. 
Then, in XX/XX/XXXX, the 30-day late payment was re-inserted into my credit file, where it remains currently. At no point did Trans Union mail me any written notice it had verified the previous late payment was accurate and that it would be reinserting the information into my credit file. Never. 
I do not know how Trans Union allowed previously-deleted information back into my credit file, but I am aware the FCRA requires them to maintain reasonable procedures to prevent the reinsertion of deleted information. This did not appear to be the case here.

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 2018-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: LA

Complaint narrative:
About a year ago I contacted this company about this debt. I sent written notice that this was not mind I have document this debt was removed. As of two months ago this company has placed this false debt back on me. I do not have a contract with this company, have not gone to any hospital any two months ago, false debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: URS Holding, LLC
State: MA

Complaint narrative:
I stopped receiving notifications regarding the amount owed by company. Debt was transferred to another creditor. Over the past several months, payments were sent but no acknowledgment was submitted. Please assist in resolving. Thanks. 
PS Money Orders were sent XX/XX/XXXX ref XXXX XXXX, XX/XX/XXXX ref XXXX XXXX, and XX/XX/XXXX ref XXXX XXXX. The first 2 are from XXXX XXXX XXXX and the last is from XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am in receipt of my Equifax credit reports dated XX/XX/XXXX,  I noticed the following credit inquires on my report : ( See attachment ) The ( 3 ) five following unauthorized hard inquires which impacted/lowered my credit scores were placed on my credit reports by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, MD XXXX, ( XXXX ) XXXX, without my knowledge or consent : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax On XX/XX/XXXX, I went to this dealership to look at and possibly purchase an advertised XXXX XXXX . Although I had arranged for my own financing I was told in order to discuss and agree upon pricing I had to complete an application, I could not negotiate a deal without first completing XXXX application. 

I specifically and repeatedly told the salesperson I did not want to run credit reports, place any unnecessary hard inquires on my reports which would had an immediately impact on my credit scores or apply for any credit with their lenders, just wanted to negotiate and agree upon pricing on a vehicle. 

XXXX XXXX agreed the inquires were made in error, promised to contact Equifax submitt request for deletions/removal. According to XXXX XXXX an request was submitted several times to Equifax. 

I reached out to Equifax on XX/XX/XXXX, tried to dispute the above mentioned inquires and was denied. According to Equifax an conumer can not dispute inquires or removal. 

I explained to Equifax under the FCRA any inacccurate information can be disputed by the conusmer and removed, in addition provided copies of letters from all parties asking Equifax to remove above mentioned inquires. Equifax not only refused to take my dispute but also refused to remove said inquires in direct violation of the FRCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
See list of inquiries on my credit that I did not authorize and I know nothing about. 
XXXX/XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX XXXX/ XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX/XXXX   XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX, XXXX/XXXX XXXX XXXX   XX/XX/XXXX, XXXX XXXX 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 2018-06-20 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: NY

Complaint narrative:
See list of inquiries on my credit that I did not authorize and I know nothing about.

XXXX/XXXX  XX/XX/XXXX, XXXX/XXXX   XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX/XXXX   XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX XXXX/ XXXX XXXX   XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX/XXXX   XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX/XXXX XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 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: OH

Complaint narrative:
I filed a dispute with XXXX in XX/XX/XXXX because a bogus collection account for XXXX XXXX XXXX was being reported on my credit report. The dispute came back and the account was removed from my credit report until today XX/XX/XXXX the account has be added back to my credit report. This account is not mine.

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 2018-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
We had a Bank of America for 15 years which we used for big purchases and would pay off at the end of the month. On XX/XX/XXXX we were mailed a letter stating that are account was closed. We left on an out of state vacation on XX/XX/XXXX and did not receive the letter. Called Bank of America while we were in Alaska trying to find out find our card was not working and we were told that the account was closed. The service person that we talked to could not tell us why the account had been closed and offered no other help. When asked if the account could be reopened he said that he would have to transfer the call at which time the call ended. We did not carry a balance on the card and were very rarely late on a payment over 15 years. I can not see a reason to cancel the card and then have a rude service person speak down to us while trying to figure out what was going on while we were on vacation.

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 2018-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
This is a follow-up to my original complaint filed through CFPB, which was answered by the Bank. I have included detailed descriptions in this submission. This complaint refers to Wells Fargo and their BSA in-compliance, resulting in a loss to myself, and my business. See the attached submission

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 2018-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am a customer at Citibank and have been with them for over 20 years. On XX/XX/XXXX-XX/XX/XXXX my ATM debit card was skimmed as I noticed unauthorized Transactions on my card in the following amounts XX/XX/XXXX {$200.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$500.00} Since I have a daily withdrawal limit they were not able to take out more than {$500.00} a day. 
I immediately on XX/XX/XXXX around XXXX reported it to the bank and informed them of what had occurred. Subsequently I also told the bank that the card was in my possession and that I had not given it to anyone or shared my pin. A case was opened up for investigation. My initial request for a refund was denied stating the fact that I had not logged a police report which I was told at the time by customer service was optional. On XX/XX/XXXX. I filed a police report and informed the bank about it and faxed in the details of the report to Citibank. I also filed an appeal which was also subsequently rejected. I asked to see the ATM video and was told that I couldnt see it and again was rejected stating that since the card was in my possession that the charges were not fraudulent. I have not received my money back and I want to see the ATM video to prove it was me who made the withdrawals.

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 2018-06-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Performant Financial Corporation
State: MA

Complaint narrative:
I stopped receiving notifications regarding the balance owed to lender. Over the past previous months I sent several payments but they were not acknowledged. Please assist. History of payments : XX/XX/XXXX ref XXXX XXXX, XX/XX/XXXX ref XXXX XXXX, and XX/XX/XXXX ref XXXX XXXX. The first 2 money orders were from XXXX XXXX XXXX and the last was from XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation
State: WV

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX along with a few before I got caller ID hooked up. I hadn't had my phone but a couple of days and started getting calls for my brother in law who I haven't seen for a long time, nor do I know where he is. It's a recording asking for XXXX and the same last name as mine. It says they have personal business with him and if this is the person press a #, if the person isn't able to come to the phone press a #. Or have him to call the XXXX back. Then it thanks me for giving him the message. There has also been messages left on my machine with the same recording. I looked the number up since it says toll free call and it comes back to Penn Credit. He doesn't live here nor has he ever lived with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My mom XXXX suddenly in XXXX. We later found out it was XXXX. I was forced to take care of my little sisters. In order to keep the home I started making payments on the house and the utilities, which caused my late payments. I contacted Capital One who said they would remove the late payment notices for XXXX and XXXX out of goodwill because I did not owe a balance on either credit card. I have the original letter I sent, they did not respond so I called and thats when they said the would remove them next billing cycle. The balances were paid in full. I have not had another late payment in nearly 3 years. They never removed it despite them saying they would. I called back and they denied their agreeing to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
XXXX XXXX have called numerous times in the past few weeks. I have several calls listed on my cell phone and home phone that is related to their company. I can provide date and times if necessary ; I have explained to them that they have the wrong person ; there is more than one person with my name and they keep calling, they wanted by social security number but I refused, I asked them to read off the last four of the SS they have listed and it did not match mine : I instructed them that I am not the person they are looking for and to stop calling. I received two more calls just today ( XX/XX/2018 ) from their listed number and then a hang up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A.
State: CA

Complaint narrative:
Since XX/XX/2018, PNC Bank has been using my personal email account for one of their customers. I am not a customer of PNC Bank and never have been. I've been receiving multiple emails daily from PNC Bank regarding a checking account and credit card account associated with my email account. The checking account ends XXXX and the credit card ends XXXX. 

I have contacted PNC Bank three times. The first time I provided a great deal of personal information and was told a fraud investigator would look into the matter and call me. No call. The second time a fraud case was opened to address the matter. Nothing happened. The third time another fraud case was opened and I was told my email address would quit being used within five days. Still no change. The PNC Bank reference ID of the last case is XXXX. There was no reference ID provided on the first two calls.

Its difficult to know what other information PNC Bank may be using of mine, or if this is limited to email. PNC agents have been unable to assist. To date, I have received over 50 emails from PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The Outsource Group, Inc
State: IL

Complaint narrative:
Received a robot call from this company stating to call them back. Called them back and they refused to give me the information after I identified myself. Told them to stop calling and called again.

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 2018-06-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fay Servicing, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX I purchased my home for {$200000.00} through Fay Servicing. In XXXX I did a modification on my own through the housing program, they had a program that they were offering if you qualified for {$50000.00} ( non repayable with stipulations ), I did qualify. Which brought my mortgage down to {$160000.00}. In XXXX I filed bankruptcy and my mortgage company had a modification program with HUD/FHA that they advised me to go through I qualified for the modification. Which was for {$47000.00}. Which brought my mortgage down to {$120000.00} that I pay through my mortgage company. Now in XXXX I wanted to do a home equity loan through a federal credit union which I was approved for. Once the underwriter was doing the verification of the title search. She contacted me with a discrepancy of my title search. she explained to me that my home was appraising at $ XXXX {$260000.00}, also I had 2 leans on my home that was filed with my mortgage company that did not match up with my paperwork that I submitted to her. First lean is my mortgage company ( Fay Servicing ) for {$120000.00}, also the second lean is HUD/FHA for {$120000.00} as well. She explained to me that I would be upside down on my mortgage because the two of them would come out to be about {$250000.00}. She advised me to contact my mortgage company and she would forward me the information to show what she received from the title search. Also I should request a payoff from HUD/FHA. Which I did and the payoff is {$47000.00} but Fay Servicing filed {$120000.00} with the title company which they filed incorrectly. I took her advise and contacted my mortgage company ( Fay servicing ) and explained to them the situation as well as forwarded them all of my original paperwork as well as the paperwork from the credit union. They have had my information for awhile and said that they would handle it. They did say that there was an issue with the filing of the title incorrectly. It's been two weeks almost three since I contacted them about this problem. My account manager says that he forwarded things to his manager and things are getting taken care of. I feel as if nothing is getting done. They're giving me the run around and holding me up with my process.. I need this resolved ASAP.

Company response to consumer: Closed with explanation