vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-06 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: CA

Complaint narrative:
I received communication from XXXX XXXX, XXXX and XXXX XXXX notifying me of recent unauthorized credit inquiries. These inquiries occurred mostly from XXXX XXXX from multiple agencies. I am concerned as I feel an unscrupulous automobile dealer has done this. Please remove these inquiries. Companies noted with unauthorized inquiries include : XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) Additionally, I did not authorize the following credit inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian and XXXX are reporting incorrectly a collection in the amount of {$810.00} on the XXXX XXXX. partial account number XXXX. ( Please see page 14 of the attached credit report. ) I was insured with XXXX and I contacted XXXX to discuss this outstanding bill and the representative I spoke with at XXXX could not locate any billing records from XXXX, XXXX on the referenced date of service. It would appear that XXXX, XXXX. never billed XXXX and consequently this account has gone into collections. This billing error is not my fault and XXXX, XXXX needs to bill XXXXXXXX and reverse the collection proceeding against me. This incorrect reporting is harming my credit score and this line item needs to be deleted from my credit report. I have contacted the ( 3 )  bureaus to fix this, however I have been unsuccessful.

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 2019-08-06 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: AMERISAVE MORTGAGE CORPORATION
State: OR

Complaint narrative:
I received a number of calls from a phone number in located in XXXX XXXX XXXX, CA. They never left any messages. I answered one of their calls and they were asking about my current refinance situation. I asked how they received my phone number and my credit information without my consent. They claimed they received my credit report however I never authorized them to obtain my credit information or my phone number. 
I request that Amerisave delete all of my contact information as I never have had a relationship with this company and never authorized them to access my credit or phone number

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: GREAT LAKES
State: OH

Complaint narrative:
I have 2 student loans with Great Lakes which are both on an Income Based Repayment Plan. I have made every payment on these loans and have not missed a payment since my payment plans began. I pay {$280.00} per month on these loans. On my large loan my balance in XX/XX/XXXX was {$56000.00}. In XX/XX/XXXX my balance is {$56000.00}. After making payments totaling {$3300.00} for a full year my balance has decreased by a total of {$80.00}!!! Offering this type of plan with such a high interest rate is a deceptive and unfair practice and should be a CRIME! My student loans have more than doubled due to interest alone since I graduated ( while making payments ) and practices like this by Great Lakes and/or the Federal Government are making it nearly impossible to payback student loans. These loans were originated by the federal government. The federal government should not be in business of profiting on student loans and should not allow businesses such as Great Lakes to profit by offering such a lopsided payment plan. These loans should be able to be paid back with minimal interest at 1-2 %. Charging 6.8 % interest on this loan is just flat out wrong!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: CO

Complaint narrative:
XXXX and Transunion are reporting incorrectly a collection in the amount of {$810.00} on the XXXX XXXX. partial account number XXXX. ( Please see page 14 of the attached credit report. ) I was insured with XXXX and I contacted XXXX to discuss this outstanding bill and the representative I spoke with at XXXX could not locate any billing records from XXXX, XXXX on the referenced date of service. It would appear that XXXX, XXXX. never billed XXXX and consequently this account has gone into collections. This billing error is not my fault and XXXX, XXXX needs to bill XXXX and reverse the collection proceeding against me. This incorrect reporting is harming my credit score and this line item needs to be deleted from my credit report. I have contacted the ( 3 )  bureaus to fix this, however I have been unsuccessful.

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 2019-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jana Ferrell & Associates LLC
State: OK

Complaint narrative:
I have been trying to work with this agency to resolve an outstanding debt with a physical therapy office. They have refused to verify the debt and never told me they required written request to verify debt until I hired an attorney to resolve the issue. I was never sent any notice by this agency at all - I called them after I saw a collection report on my credit. They told me I could fax in the request, but then refused to confirm whether or not they had received my request. They kept telling me unless they received a written request they refused to verify the debt for which they were ruining my credit. They also changed the amount I owed so now there are two collections on my credit, which is incorrect. Every time I try to talk to them they tell me I am being " combative '' and end the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: EQUIFAX, INC.
State: OR

Complaint narrative:
I allowed Equifax mortgage to run my credit on XX/XX/XXXX but I did not give them permission to run it twice. This is affecting the amount of hard inquiries are on my report. I attempted to resolve this with the company but they said it would not affect my credit and refused to correct the error

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I AM A VICTIM OF ID THEFT. PLEASE REMOVE THE REMAINING FRAUDULENT STUDENT LOANS AND OTHER ITEMS LISTED ON MY FTC REPORT FROM MY CONSUMER FILES.

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 2019-08-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I have had this card since 2011. {$500.00} limit. 
I am on my son 's account too where I purchased {$4500.00} and paid off on 18 months. 
My credit score is XXXX. I am trying to purchase flooring approx {$1500.00} w/ install. I have other cards but don't want to use. I want limit increase. For this purchase. My balance is usually XXXX  10 - 18 months

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 2019-08-06 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: TX

Complaint narrative:
I called all 3 credit bureaus and was told to send in all my documents to sow that i had fraud committed against me.So i sent everything in and i still see the accounts on my credit I then call the documents in a 2nd time to make sure they have receive them I was told them and was going to have accounts 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 2019-08-06 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: NY

Complaint narrative:
Below listed are accounts that appears on my credit report that doesn't belong to me.I have not given anyone access to nanny of my personal information to apply for credit cards or loans in my name. 


1 ) XXXX XXXX XXXX -opened XXXX XXXX amount {$1700.00} 2 ) XXXX XXXX  opened XX/XX/XXXX amount {$440.00} 3 ) XXXX XXXX XXXX opened XX/XX/XXXX amount {$420.00} 4 ) XXXX XXXX XXXX XXXX opened XX/XX/XXXX amount {$5600.00} 5 ) XXXX XXXX opened XX/XX/XXXX amount {$1900.00} 6 ) XXXX XXXX XXXX  opened XX/XX/XXXX amount {$15000.00} 7 ) XXXX XXXX XXXX  opened XX/XX/XXXX amount {$12000.00} 8 ) US DEPT OF EDUCATION opened XX/XX/XXXX amount XXXX 9 ) DEPT OF ED/ XXXX opened XX/XX/XXXX amount XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
The complaint is in regards to accepting credit cards ( processors ). Amex put myself and relatives on a MATCH/TMF  list even though my family members were never part of the business. I don't owe the company any money and I can't do business as a result of being blacklisted by American Express Merchant Service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: PA

Complaint narrative:
On XX/XX/XXXX, I received a phone call from Selene Finance, informing me that my mortgage payment for the month of XXXX  was late, which is {$1200.00}. My mortgage has a 15 day grace period. The agent informed me that it doesnt matter about the grace period, she was charging me a late fee anyway. I have never been late on my mortgage. Im not behind on my mortgage. I dont have a problem paying my mortgage. Selene Finance has no reason to be calling me. What I dont understand is, why with all these complaints against this company, why are they even allowed to deal with mortgages? They are a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: CA

Complaint narrative:
I received communication from XXXX XXXX, XXXX and XXXX XXXX notifying me of recent unauthorized credit inquiries. These inquiries occurred mostly from XXXX XXXX from multiple agencies. I am concerned as I feel an unscrupulous automobile dealer has done this. Please remove these inquiries. Companies noted with unauthorized inquiries include : XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) Additionally, I did not authorize the following credit inquiries : XXXX XX/XX/XXXX XXXX XX/XX/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 2019-08-06 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo HM Mortgage # XXXX has lates that I should not have. I started bill pay with XXXX XXXX to pay my mortgage and I did not know that they were taking 7 days to send it. On the XX/XX/XXXXlate I went into the bank and paid it Wells Fargo processed it like a cashier 's check which charged my bank an extra {$50.00}. All my efforts to get these lates removed have done nothing.

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 2019-08-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Braviant Holdings, LLC
State: OH

Complaint narrative:
This company is claiming to be " XXXX XXXX XXXX '' and calls from a XXXX and leaves a call back number of XXXX. It is a recorded message from a XXXX XXXX. They claim they are trying to collect on my Balance credit account, which I am paying another company on. They tell me the other company has no right to collect that account and they are a legal company and they won't send me a notice of debt as they are not a debt collector, but they'd be happy to make payment arrangements on this debt. They have called me and my family numerous times and told them they are going to sue me and I'm going to be served at work with my manager present. I have called Balance credit and they have told me the company I am currently paying is the correct company. I have asked the " XXXX XXXX XXXX '' to stop calling me and my family but they continue to call. The lady today was extremely rude and told me she'd see me in court when I asked her to stop calling and again told her another company was taking care of this matter. I offered her their phone number and she refused. They call me daily and leave me the same recorded message.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: GA

Complaint narrative:
I been working with XXXX in regard to clean up my credit report I'm a victim of identity theft I'm also having the same trouble with Equifax both these companies refusing to clean my credit even after proper documents have been provided to the company I currently have a dispute with your company consumer finance my number is XXXX-XXXX same information I faxed over today pertain 's to XXXX right now I'm asking this company to fix my credit XXXX XXXX last XXXX of social XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Citi Priority Checking account advertised that if terms are met that XXXX AAdvantage bonus miles would be awarded as a 'sign up bonus '. The terms to be met are " When you spend {$750.00} worth of debit card purchases and make one or more qualifying bill payments for two consecutive months. * '' according to the advertisement. 

The checking account was opened on XXXX/XXXX/19. The {$750.00} minimum debit card spend was met on XXXX/XXXX/19. The two bill payments were made during consecutive months. First on XXXX/XXXX/2019. Second transaction date XXXX/XXXX/2019. All terms were met within the allotted 60-day window from when the account opened. 

I reached out at two points during the process to confirm that terms are being met and was assured that I was " ... good to go! ". As of XXXX/XXXX/19, I have not received the incentive for opening this account and have been assessed fees associated with the account.

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 2019-08-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: NC

Complaint narrative:
My account with US bank went into foreclosure so in an attempt to bring the account current I contacted the company and was told that {$5000.00} would bring it current. Then I was told that no {$6000.00} would bring it current. Then I was told that no {$7000.00} would bring it current. So I had to take pictures of my bank account each time to let them know that this money was in the bank and then the real amount of over 8000 was given to me to bring the account current. So after the account was then brought current with over {$8000.00} given I was in the process of selling the property and got a payoff quote and statement but then when I went to the attorney 's office to close US Bank had sent them a different payoff amount. I have every email back and forth regarding the different amounts and different quotes and I have also recorded every conversation that I've had with them in order to prove my case and show that they are not being truthful and not treating people fairly. I am sure hoping that I can get someone's help with this. Thank you

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 2019-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: WA

Complaint narrative:
XXXX XXXX is an elderly women living in her home. She desperately wanted to keep the home, reinstated her loan, and then received a Notice of Default posted on her door weeks later. She took it off the door so her kids and the neighbors didn't see it. This stressed her out and she called me. Then after her conversations with Ditech, they said " it was a mistake. '' I called them, and the representative didn't apologize and they said " it was sent out before she reinstated the loan '' ( which wasn't correct ). 

XXXX reinstated on XX/XX/2019 and they posted this Notice of Default to her door on XX/XX/XXXX. The NOD is signed/ dated XX/XX/2019 by XXXX XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
The week of XX/XX/XXXX, Bank of America failed to process a scheduled payment. They stated this was due to " insufficient funds, '' however, the attached image shows that I sustained a balance of over {$6000.00} for several days before and after the < {$500.00} payment was scheduled. However, Bank of America labelled this error as a " failed payment, '' froze my bill pay, and initiated collection proceedings without any visible attempt to research or correct their error. 

I called Bank of America the week of XX/XX/XXXX and spoke to a representative who apologized, stated she would unfreeze my bill pay, and submit requests to reverse any fees and interest charged, and correct any information sent to the credit bureau. 

I have spoken with two more representatives on the phone since who have also apologized, stated they would fix the error, and claimed to make a notation on my account so I would no longer be harassed by their collection proceedings. 

As of XX/XX/2019, however, Bank of America has still failed to reinstate my Bill Pay account or reverse any fees, interest or notations on my credit reports. I have attempted to reach out in writing four additional times, with no response. Bank of America has not sent me any paper bills or correspondence or other payment options, leaving me completely unable to pay.

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 2019-08-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I called Sears customer service line at XXXX, I needed to get my balance so the representative asked for my social security number I replied by saying that's strange normally if they ask it's usually the last four digits only but this person asked for the full number after I gave it to her she hung up. I called back told the new rep. what happened on my previous call and she said we don't ask for your full social security number are you sure you dialed the right number?, I said yes thr rep. acted confused so I asked for a Supervisor the rep. stated she would do her best to get someone to call me back but I remain very concerned because she asked if I had made a purchase and I have not today, when I asked if she saw a purchase she would not answer.XXXX XX/XX/2019 XXXX XXXX ( 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