vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-26 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: AL

Complaint narrative:
On XX/XX/2019, XXXX accessed my credit file without my consent

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 2019-12-26 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: AL

Complaint narrative:
On XX/XX/2019, XXXX accessed my credit file without my consent

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 2019-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/2019, XXXX acquired unauthorized access to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
On XX/XX/2019, Santander acquired unauthorized access to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: AL

Complaint narrative:
On XX/XX/2019, XXXX acquired unauthorized access to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 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:
Back in early XXXX I submitted deputes with Trans Union based a credit report. 
The disputes came back as accurate, and untimely. 
I am filing this complaint because there is no way that the thoroughly investigated my disputes. 
The first of my disputes relates to XXXX XXXX XXXX. XXXX : XXXX XXXX in the amount of XXXX for a debt that is not mine. NO DATE FURNISHED FOR THIS DEBT The next item in dispute is with XXXX XXXX RE : XXXX XXXX XXXX  in the amount of XXXX. 
I did have an account with XXXX XXXX, however the limit was XXXX. and the balance on that account was less that XXXX. which was in deed charged off back in XX/XX/XXXX. NO DATE FURNISHED FOR THIS DEBT The next item in dispute is with XXXX XXXX XXXX.. RE : XXXX XXXX XXXX  in the amount XXXX. for a light bill from XX/XX/XXXX. they attempted to add this amount to my then current account at a different address. 
As a result I filed a complaint with NYS Public Service Commission in early XX/XX/XXXX. XXXX XXXX refused to validate the debt per my numerous requests. there has been no resolution to date as it relates to NYS PSC. NO DATES FURNISHED per Trans Union. 

Copies of the results from TU are attached

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 2019-12-26 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: GA

Complaint narrative:
I have sent Equifax and XXXX  countless letters along with identification letting them know that I have eighteen hard inquires that I did not authorize. They refuse to remove these hard inquires. I have sent certified letters starting in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, to this day these hard inquires have not been removed. I have called in countless numbers of times, each time being told they can't help me. They are hindering my ability to obtain a business loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/2019, XXXX XXXX XXXX XXXX acquired unauthorized access to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ

Complaint narrative:
Hello on XX/XX/XXXX I went to pay my loan # XXXX which stated it had a total due of XXXX $ by XX/XX/XXXX. The website stated that it was past due but had no past due balance and just said total due was XXXX $ by XX/XX/XXXX. So I made the payment for XXXX $ on XX/XX/XXXX and it said it would post to my account on XX/XX/XXXX the due date. However they reported my account as 30 days late on XX/XX/XXXX even though there was no past due balance and I paid the XXXX $ by XX/XX/XXXX. So now when I go on to my account it says the XXXX $ has posted but its still late and another XXXX $ is due which was not on there when I paid the XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 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: MD

Complaint narrative:
I requested my annual free credit report from Equifax, but Equifax is unable to locate my credit file. I have talked to their agents on the phone, and written a letter to Equifax with all the information that agents directed me to supply. However, Equifax responded with a generic letter that does not help resolve the problem. Please help me get my credit file located with this company. 
XX/XX/2019, I tried to register with my.Equifax.com. The website would not grant me access, instead the site displayed the error code NH and directed me to call Equifax customer service. 
XX/XX/2019, I called Equifax customer service where I was on hold for over 2 hours. I was never able to reach an agent. 
XX/XX/2019, I reached an Equifax agent ( XXXX ID # : XXXX ) on the customer service line. I provided my full name, social security number, date of birth, and address. I also verified that I have had credit history for over 4 years. The agent was unable to locate my credit file and directed me to write this letter to the Equifax Dispute Department ( Equifax Information Services, LLC Attention : Dispute Department XXXX XXXX : XXXX XXXX, GA XXXX ), and to verify with my lenders that they have been reporting my accounts to Equifax. 
XX/XX/2019, verified that 2 of my lenders are reporting my accounts to Equifax ( XXXX and XXXX ). 
XX/XX/2019, I wrote a letter to the Equifax Dispute Department, requesting that Equifax correct and/or re-establish my credit file. I told them that the website, my.equifax.com, displayed error code NH when I try to access my credit report. I told them Equifax agents were unable to locate my credit file. I provided the requested information and documentation with the letter so that Equifax could investigate and resolve this issue, along with a photocopy of my drivers license, a photocopy of my social security card, and a copy of my current XXXX  credit report. 
XX/XX/2019, I received a letter from Equifax in response to my inquiry. The letter stated We received your request concerning your Equifax credit file. We are unable to locate a credit file for one of  the following reasons. You may not have a current file. You have not applied credit recently. You have not actively used credit in the past ten years. 
Equifax did not investigate the matter, and clearly ignored the information I sent to them. The information I sent to Equifax clearly showed that I do have a credit history, and that my creditors are reporting to Equifax. 
Please help me get my credit file located with Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
Regions bank is charging overdraft fees on pending transactions, that don't affect the posted balance. This practice is unfair, and goes against the customer. If my posted balance is positive, I should not receive an overdraft fee, because technically my account is not overdrawn. On XX/XX/19 2 transactions posted ( {$7.00} + {$3.00} ) and left a balance of {$58.00}, which is the current balance of the account as of XX/XX/19. I received an overdraft fee on XX/XX/19, with the account having a positive posted balance and never had gone into an overdrawn status. I called Regions customer service on XX/XX/19 to get this resolved, and was told that Regions policy is that they use the pending transactions during processing, as if they posted to calculate the balance and assess fees. This is unfair. I have banked with Regions for 12 years, and the bank has always had unfair overdraft policies, which I have been a victim.

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 2019-12-26 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I have had an account with Capital One for over 2 years and never had an issue. In XX/XX/XXXX the company updated their system inadvertently changing my payment due date from the XXXX of every month to the XXXX of the month. I received a statement in XX/XX/XXXX stating that my payment was due XX/XX/XXXX then in XX/XX/XXXX I received a statement stating that my payment wasn't due until XX/XX/XXXX. Due to this system update, through no fault of my own, Capital One will not report any data to the credit bureaus for the month of XX/XX/XXXX. I have first contacted Capital One on XX/XX/XXXX and they instructed me to file a dispute with the credit bureaus. I filed the dispute and nothing changed. There is still a report of No Data for the month of XX/XX/XXXX on my credit reports. I contacted Capital One on XX/XX/XXXX again and this time they said that there is nothing they can do and that I have to contact the credit bureaus to see if they can pull a different report. I don't even know what that means. I am completely frustrated because this is negatively impacting me when I apply for additional credit and all they need to do is report data for the month of XX/XX/XXXX. Capital One said that they can not report anything because no payment was due, but that is not my fault. I made several payments before my payment was originally due XX/XX/XXXX. The fact that they will not report any positive data or paid on time data to the credit bureau is unacceptable to me as a consumer and I would appreciate help getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ralis Services Corporation
State: CA

Complaint narrative:
Owning.com claims on the home page of their web site that they will " refinance your mortgage with no closing costs ''. 

However, after talking with the agent from owning, they claim that XXXX XXXX XXXX charges a 1 % fee for the loan. After investigating this, I have found that this is a false statement. They do NOT charge anything. 

There are two issues : 1. Owning.com is claiming that there are no closing costs. This implies a no cost refinance for the person refinancing and 2. XXXX/XXXX do not charge a fee, which one can only assume is another way for Owning.com to get paid to do the loan. A refinance fee on a $ XXXX loan at 1 % is {$5000.00}. 

This misleading fee is a " bad faith '' charge and is not legal. I have yet to see this in writing from Owning. Owning needs to tell the truth or stop this practice. This is NOT a " no closing costs '' loan, as they are claiming.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
JP Morgan/Chase bank is reporting THREE charged off credit accounts on my credit report and I have NEVER applied for nor had an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: AL

Complaint narrative:
On XX/XX/2019, 1st Investors Financial Services acquired unauthorized access to my credit file.

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 2019-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PRESTIGE FINANCIAL SERVICES INC
State: AL

Complaint narrative:
Prestige accessed my credit report without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 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: GA

Complaint narrative:
I have sent XXXX  and Transunion countless letters along with identification letting them know that I have eighteen hard inquires that I did not authorize. They refuse to remove these hard inquires. I have sent certified letters starting in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, to this day these hard inquires have not been removed. I have called in countless numbers of times, each time being told they can't help me. They are hindering my ability to obtain a business 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 2019-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX gained unauthorized access to my credit report on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates LLC has been engaging in harassment tactics, attempting top collect on a debt for which they were told was due to identity fraud. Every week they send letters and call my work number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-26 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: TX

Complaint narrative:
XX/XX/2019 I submitted a dispute with Equifax Credit Bureau for a collection account, XXXX XXXX ( XXXX XXXX  ) after not receiving a response to my debt validation letter sent to them directly. I requested proof of this debt validation and to have it removed if there was no physical proof as this negative item has ruined my credit reputation. This lease was completed and the balance is not accurate. I've asserted my rights as a consumer to the files and documents used to verify the accounts reporting on my credit report and was told that if I didn't have proof of this inaccuracy or my own documents then the item will have to stay on my report. 
On XX/XX/2019 the account above was " verified '' as being correct and that the agency/original creditor suggests I submit documentation or proof that it is inaccurate. 
Equifax will not remove this account and the original creditor XXXX XXXX and collection agency XXXX XXXX has not provided me any physical proof or documentation as requested. This negative item was removed from my XXXX  and XXXX  credit report promptly because of the lack of proof but Equifax has refused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
My checking account was hacked after our bank info was stolen and this person conned the bank into crediting {$1000.00} in our account stating that he had deposited money via atm but it hadnt credited yet. So a provisional credit was given and before the bank could find the dispute to be false, this person transferred the money and XXXX it out of my account to a woman I do not know. I have been fighting PNC Bank since XX/XX/XXXX and they say I now owe them {$1000.00} and fees. I do not know how else to fight this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX gained unauthorized access to my credit report on XX/XX/2019.

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 2019-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc.
State: AL

Complaint narrative:
XXXX gained unauthorized access to my credit report on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX on XX/XX/2019 gained unauthorized access to my credit report.

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 2019-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BB&T CORPORATION
State: AL

Complaint narrative:
Regional Acceptance Corporation on XX/XX/2019 gained unauthorized access to my credit report.

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 2019-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX on XX/XX/2019 gained unauthorized access to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/XXXX XXXX XXXX gained unauthorized access to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TIDEWATER FINANCE COMPANY, INC.
State: AL

Complaint narrative:
On XX/XX/XXXX TideWater Finance gained unauthorized access to my credit report.

Company response to consumer: Closed with explanation