vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have attached my original complaint dated XX/XX/2019 and on the same date I forwarded a copy to the NYS Department of Financial Services via online. NYS Department of Financial Services, Ms. XXXX advised me that their office forwarded a copy of the attached complaint to the institution. To this date I have not received any correspondence from the institution. My complaint stems from the following : 1. Additional Late Fee ( currently {$200.00} ) 2. Receiving the Escrow Notification Late 3. Tax Increase with no supporting doc.

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 2019-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have a youth organization where I mentoring at risk youth through the sport of basketball, so I registered them for a local basketball tournament ( {$220.00} ) which turned out to be a scam. I reached out to the organization ( XXXX XXXX ) with was supposedly hosting the tournament me and they constantly keep text and emailing me that the refund was being proceed which will take 7-10 days its been over a month and now no response. After further research I've discovered that this company ( XXXX ) has been scamming people all over. I reached out to my bank Chase and all they could say was because I sent the money through XXXX its nothing I could do. We are a small organization on the south side of XXXX trying to help our between the age of XXXX and don't have a lot so {$220.00} is small to other but enormous for us. I feel like I didn't request my bank to add XXXX to my banking option and NO ONE from their company fully informed me of the precautions or operations of XXXX and figure because it in my banking options that it is safe to use or was backed by the bank. I just need some help trying to get our {$220.00} back so we can continue helping our community.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 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: AZ

Complaint narrative:
The following accounts and credit inquiries listed on my Equifax and XXXX XXXX credit report are all fraudulent, unauthorized, not mine and dont belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX/XXXX. XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: Social Finance, Inc.
State: MO

Complaint narrative:
I have received many mailers and emails from Sofi over the past year encouraging me to apply to refinance my student loan. When I received an email specifically showing the range of rates I could qualify for, I submitted an application for their pre-approval process, which does not involve a credit check. The rate quoted was above my current interest rate, so on XX/XX/XXXX I called to inquire if the rate could go down before I formally applied. The associate I spoke too informed me that if I provided a statement showing my current balance and interest rate, Sofi would match or beat the rate, and that the pre-approval rate was not locked in. Knowing this, I applied later that day, and on XX/XX/XXXX returned a voicemail from the company stating that my loan was approved and I could electronically sign loan documents. 

The associate I spoke to on this day informed me that the approved rate ( which again, was higher than my current rate ) could not be changed. I asked if there was any way to look into a lower rate, and she told me absolutely not. I asked her to withdraw my application. 

I called back on XX/XX/XXXX ( today ), because I realized that Sofi made an inquiry for my credit report, which would potentially negative affect my credit score. I am not happy that I was told that Sofi would be able to match or beat a rate after applying, and then after the inquiry was told they could not. The associate I spoke with told me she was sorry for any misunderstanding, and that I could re-apply and see if I could get a lower rate again, since my current application had been withdrawn at my request. 

After this call, I received a message through Sofi 's message center stating that I could re-apply and provide the Regulation Z TILA disclosure from any loans that I am currently " shopping for '' and that they would consider matching that rate. 

I realize that the company can not " reverse '' a credit inquiry, so there is very little they can do about this. However, I feel it should be reported, as I was strongly encouraged to apply to receive a better rate. I never would have authorized the credit inquiry had I known that my current rate could not be matched or beaten.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 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: AZ

Complaint narrative:
The following accounts and credit inquiries listed on my XXXX and Trans Union credit report are all fraudulent, unauthorized, not mine and dont belong to me : XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX. XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX and 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 2019-04-29 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/19, I was unable to see all three of my free credit reports from XXXX XXXX XXXX.action. I was only able to view my XXXX credit report when the site froze up. I could not refresh or go back. This was for my free annual credit check. Now, I have to wait a year to see my credit from the other two bureaus. Absolutely, this site is a scam.

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 2019-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
XXXX XXXX XXXX continues to harass both myself and my family members about a Debt that they refuse to send a debt validation letter to. I have contacted XXXX XXXX XXXX   requesting that they send me a debt validation letter and they refuse to send me a copy of the letter, when i spoke to an agent she was extremely disrespectful and told me a letter was sent out at the beginning of XXXX which i did not receive when asking for them to send me another copy of the debt validation letter as i let her know i did not receive it she refused to send one.

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 2019-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
On Friday, XX/XX/XXXX, I received a low-balance alert email from XXXX XXXX indicating that I had {$0.00} available. Knowing that I had at least {$450.00} in my account, I contacted the bank and was told that there was a hold placed on my account ( for which they charged me {$75.00} ). I asked if they could give me the information of the party that placed the hold on my account and they advised that it was a small claims court in NJ ( where I live ) and gave me court case number. They told me to contact the court at ( XXXX ). When I called, I was told that a credit card company by the name of Midland Credit initiated the action and that I should have received a summons notifying me that I was being sued for {$1900.00}. I told her that I have never received any summons by mail or any other method. She then read off my address and said that the summons should have been sent via Certified Mail. While my address was correct, I again repeated that I had not received any communications from anyone, particularly not from a court and that I had not heard from Midland Credit for easily two years. I shared that the debt seemed accurate ( although I would have to check my records ) but that I would need to confirm. I also stated that the action left me in dire straits as both my husband and I have significant health issues ( he is on XXXX  and is XXXX XXXX ) and this " hold '' resulted in us having no money to access for food or medications. She told me that there was no way that the hold could be released and that it could take several business days to be released. She also shared that it was currently a " one time  hold '' and that any expected deposits to that account would be free for my use. She gave me a phone number to contact ( XXXX ) and told me to contact Midland in an effort to resolve the issue. She also gave me what she thought would be the case number I should reference when I call. I wrote to Midland online but have not heard back yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX XXXX XXXX. DATE OF MEDICAL PROCEDURE AND/OR COLLECTION PERIOD IS BEYOND THE TWO YEAR STATUTE OF LIMITATIONS UNDER ARKANSAS STATE LAW. PLEASE REMOVE. 

REQUESTED ACCESS TO VALIDATE THE DEBT ON OR BEFORE XX/XX/2018 VIA CERTIFIED MAIL. ACCESS CREDIT FAILED TO PROVIDE THE REQUESTED INFORMATION INCLUDING THE ORIGINAL BLUE INK SIGNATURE TO CONFIRM THE DEBT. PLEASE REMOVE.

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 2019-04-29 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: Southern Auto Finance Co
State: GA

Complaint narrative:
To : SAFCO XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX From : XXXX. XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX Date : XX/XX/2019 XXXX : Courtesy Credit Inquiry Removal Instead of Fraud Investigation. 
Dear Sir or Maam, It is my third time writing a letter to your company. I recently conducted a review of my credit report, and I noticed SAFCO put several credit inquiries on credit report that I find to be problematic. 
I know they are not mine, and they are fraudulent, but I dont have ( 30 ) thirty days to wait on an investigation, which I know I will win. I need to remove these inquiries very soon so I can get my XXXX XXXX. loan for my house, please? 
I have no recollection of doing any business with your company in my life. I got an auto financed with XXXX XXXX, I watched the finance manager called this company, and I saw him send my application to this one company only. 
I contacted your company and asked you all to take action and get these inquiries removed from all three credit bureaus. Your employees assured me they would comply with my request and take whatever steps necessary to resolve this issue. It is my last result. 
I wanted to file this as well and make sure this gets done. 
I am begging your company. Please investigate this and have these inquiries removed at your earliest possible convenience. I am applying for another home mortgage this week. 
I would very much like to have the assurance my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings soon, and I am begging. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter, XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/19, I was unable to see all three of my free credit reports from XXXX XXXX XXXX. I was only able to view my XXXX  credit report when the site froze up. I could not refresh or go back. This was for my free annual credit check. Now, I have to wait a year to see my credit from the other two bureaus. Absolutely, this site is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Alliant Capital Management LLC
State: PA

Complaint narrative:
Claims they are the company ( false representation ) attorney claims they have tried to contact me. I have never received anything from them. They are also harassing me while, I am working. I am not allowed to have visitors or calls while at work. They never sent proof or validity of this debt. They claim twice, someone was suppose to come, a man from XXXX XXXX service to have forms signed. I have never seen such person. I work during the day, no way I am home. Man left a number on my phone, I called that number. The person at was not helpful, he was rude, and hung up. He would not listen to me. I kept explaining to him, I am not home to sign a form. He attempted to bully, and scare me saying they will garnish my wages, out a lien on property, and or have a judgement. I have just my income, taking care of my XXXX wife, elderly parents, and XXXX teenagers. All my bills are behind. Either we are homeless or pay them. I will choose to keep a roof over my family head, and help my XXXX parents. If in fact this debt is mine. I can't pay what they are asking. The number I called was XXXX. This number says they are representing XXXX. I believe XXXX XXXX XXXX XXXX, OH XXXX is the corporate office at XXXX. They also have a local office in Delaware XXXX XXXX XXXX XXXX XXXX, DE XXXX. Per XXXX XXXX XXXX they sold to debt collector Alliant Capital Management who has violated several ways, that are aganist the law. They have to verify this debt is mine. They have to prove the debt is real. They have to prove they are authorized to collect debt. Never received a debt validation letter. Never seen this company license, are they even a legitimate company. They have validated the law. Called at work several times, not able to get calls at work or have visitors. Also harassed, oppressed, and abused me over the phone. Also life to me, falsely applied I committed a crime. Used unfair practices to attempt to collect a debt with no proof. Concealed his identity, did not give me any information, would not listen, rude, nasty, disrespectful, and hung up. Impersonated they are XXXX XXXX   XXXX Attorney based on my first complaint they are not their attorney. They sold them to a debt management company called Alliant. My rights have been violated under FDCPA. This a third party collector. According to XXXX XXXX XXXX this is the company number who harassed me at XXXX at Alliant Capital Management.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC
State: SC

Complaint narrative:
In XXXX, 2013 I had XXXX XXXX. At the time I only had Medicare coverage. My portion was to be 20 % if the fee. The day before the XXXX the office manager called and told me I had to pay my portion, {$250.00}, or they wouldn't perform the XXXX. I had the XXXX, Medicare paid 80 %. I never received a billing statement from them. I have filed a dispute with the credit bureaus several times. No satisfactory response. They refuse to remove this from my file. I do not owe this office anything. They were paid by Medicare and me. I want an itemized statement from this office. I am living in Social Security and in a HUD subsidized apartment for senior citizens.

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 2019-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
a fraudulent transaction of the amount of XXXX $ happened on my checking account on XX/XX/XXXX, I submitted a claim to bank of America and they responded to me today that they're unable to honor the claim, because this person transferred money from my account twice before and that means i authorized the payment. Those other two payments were fraudulent as well and since the amount was small on those 2 transactions I didn't notice nor file a claim.

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 2019-04-29 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: Western-Shamrock Corporation
State: GA

Complaint narrative:
To : WESTERN SHAMROCK XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX From : XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX Date : XX/XX/2019 REF : Courtesy Credit Inquiry Removal Instead of Fraud Investigation. 
Dear Sir or Maam, It is my third time writing a letter to your company. I recently conducted a review of my credit report, and I noticed Western Shamrock put several credit inquiries on credit report that I find to be problematic. 
I know they are not mine, and they are fraudulent, but I dont have ( 30 ) thirty days to wait on an investigation, which I know I will win. I need to remove these inquiries very soon so I can get my V. A. loan for my house, please? 
I have no recollection of doing any business with your company in my life. I got an auto financed with Global Lending, I watched the finance manager called this company, and I saw him send my application to this one company only. 
I contacted your company and asked you all to take action and get these inquiries removed from all three credit bureaus. Your employees assured me they would comply with my request and take whatever steps necessary to resolve this issue. It is my last result. 
I wanted to file this as well and make sure this gets done. 
I am begging your company. Please investigate this and have these inquiries removed at your earliest possible convenience. I am applying for another home mortgage this week. 
I would very much like to have the assurance my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings soon, and I am begging. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter, XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I was the previous owner of the property located at XXXX XXXX XXXX XXXX, Illinois XXXX which was subsequently foreclosed and purchased by XXXX on XX/XX/2018. Since then, XXXX has made no attempts to assume responsibility for the existing water bill. The utility company refuses to remove my name from the bill until the bank takes ownership. The account continues to accrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
REQUESTED XXXX XXXX XXXX TO VALIDATE THE DEBT ON OR BEFORE XX/XX/2018 VIA CERTIFIED MAIL. XXXX XXXX XXXX CREDIT FAILED TO PROVIDE THE REQUESTED INFORMATION INCLUDING THE ORIGINAL BLUE INK SIGNATURE TO CONFIRM THE DEBT. PLEASE REMOVE.

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 2019-04-29 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: CORELOGIC INC
State: MI

Complaint narrative:
I have 5 hard inquiries on my credit report that were unauthorized from Credco! The dates are as follows XX/XX/XXXX/ 2 inquiries in XX/XX/XXXX one for miscellaneous/ one for finance/ personal. Another on XX/XX/XXXX and the last on XX/XX/XXXX both for miscellaneous! Then I have another hard inquiry from XXXX XXXX/ real estate and public accommodations! Another for XXXX XXXX and XXXX made on XX/XX/XXXX! Another from XXXX made on XX/XX/XXXX! Last one is XX/XX/XXXX for miscellaneous! These hard inquiries were not made by me and I did not authorize and they are having a negative impact on my credit score at a time when Im trying to improve my score! Please help to resolve and remove these from account! I know my identity has been stolen there have been numerous charges to my checking/debit and I have had to have approximately 4-5 cards replaced since 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