vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CORELOGIC INC
State: TN

Complaint narrative:
XXXX XXXX XXXX Unaware of this hard inquiry

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: Greyhound Capital Group LLC
State: MD

Complaint narrative:
The company just stated their online statement about the fee. Which is : Online - Gift Ticket Orders ( {$18.00} non-refundable Gift Ticket fee applies XXXX Gift Ticket Orders ( GTO ) let you buy tickets online using your credit card for another person. 

Gift Ticket Orders ( XXXX XXXX XXXX non-refundable {$18.00} Gift Ticket fee will be applied at the time of purchase. This fee is per transaction, not per ticket, so it 's the same no matter how many tickets you buy. The tickets can be printed at home or picked up at the bus station theyll be traveling from. GTOs are only applicable at XXXX XXXX locations. 

To pick up their tickets at the station, the person traveling will need to provide : XXXX ID or password chosen by the person purchasing the ticket Confirmation Number At the station- Prepaid Ticket Orders ( {$18.00} non-refundable Prepaid Ticket fee applies ) Prepaid Ticket Orders ( PTO ) let you buy tickets at a Greyhound bus station to be picked up by another person.

Company response to consumer: Untimely response
Consumer complaint received 2017-10-03 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: NC

Complaint narrative:
Company Name : XXXX XXXX XXXX XXXX XXXX falsely claims is owed {$9900.00} Account opened XXXX, XXXX I was made aware of this bogus account earlier this year when I tried to purchase a new vehicle. I have never received collection calls, mail or any communication from this company or the " original creditor '' concerning the collection of this bogus account. I immediately obtained help from a credit XXXX in an attempt to correct this and other errors I discovered on all XXXX of my bureaus. This particular account was disputed with all XXXX Bureaus and was immediately deleted from XXXX and XXXX. Equifax however has failed to delete this bogus account off of my report. There have been XXXX disputes initiated for this account with Equifax and they are still reporting it as verified. This however can not be true as it is NOT my account. They have also recieved proof of deletion from XXXX and XXXX. When I contacted Equifax about this, they stated that only the balance was disputed and not the account. However, the entire account was disputed. I have initiated a re-investigation, but at this point I have NO confidence that Equifax will remove this bogus account from my credit report. This is why I have chosen to get the CFPB involved. I will pursue this legally if needed as I have supporting documentation from both Transunion and XXXX stating that the account could not be verified as belonging to me and therefore was deleted off of both records.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I had a credit to my checking today XXXX for over XXXX from my child support. I had a check and automatic withdrawals come through. This morning my account was fine, my credit posted everything had cleared. Then I get an email from bank of America stating my acct was overdrawn. My credit and withdrawals were changed, my check for XXXX was returned, my withdrawals I have a fee for each of them. XXXX in fees. I called BofA, no help, just telling me the check posted last night, not true. I checked the deposit rules and my credit should have covered my check and the XXXX automatic 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 explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc.
State: NC

Complaint narrative:
XXXX called XXXX XXXX have put a collection on my credit report for {$450.00}. I have never heard of this company and I do not owe them or no XXXX else money. This is not my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-03 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: PA

Complaint narrative:
I have never gave my consent to the credit bureaus to expose anything on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Oklahoma Student Loan Authority
State: OR

Complaint narrative:
I attended XXXX XXXX University for a total amount of one semester in 2015. I do not recall signing anything for student loans besides FAFSA paperwork. About a year or so after I stopped going to XXXX XXXX, I started receiving phone calls and emails about a student loan that I did not have any knowledge of signing up for. I asked my mom who was in control of my educational financing and she also could not recall applying for any loans except for the FAFSA. The company that is issuing the 3 loans I 've seen is XXXX XXXX XXXX XXXX. I have contacted them several times to start a repayment plan after seeing that it was a delinquent account which scared me. It has effected my credit score causing it to lower significantly and I just want to be sure that its a legitimate loan and not a scam as I have fallen privy to in the past. I do not remember specific dates that I spoke with them, however I have received two letters in the mail in the last 2 weeks that are statement balances and requests for payments. I have made 3 payments of {$50.00} in the last couple of months. I just need to know if I really signed up for the loans or not. I am young and uneducated on how these things work and I want to be sure I am not being taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 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: PA

Complaint narrative:
I have never gave my consent to the credit bureaus to expose anything on 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 2017-10-03 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have never gave my consent to the credit bureaus to expose anything on 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 2017-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Exeter Finance, LLC.
State: TN

Complaint narrative:
XXXX XXXX XXXX Unaware of this hard inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Mobiloans, LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX Unaware of this hard inquiry

Company response to consumer: Untimely response
Consumer complaint received 2017-10-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Choice Assets LLC.
State: PA

Complaint narrative:
Constant phone calls, when you answer the line hangs up! they keep calling my cell, my wife 's cell, plus my home phone!. They never leave a message!. So my wife called back the phone number, XXXX and was told that she was calling First Choice Assets. Then they asked to speak too XXXX Which is me. So my wife hands me the phone, and the person on the other end was XXXX, i cant remember his last name. It started out that he needed me to verify that i was XXXX by giving him the last 4 of my social security number, which i am sorry i did!! Then i ask XXXX what is this call about? He starts telling me that he is a dept collector, that i owe a balance from a medical bill which my insurance paid, and i am responsible too pay the balance owed.He tells me this is back in XX/XX/XXXX and the name of my insurance company was commercial medical ins. Now it gets better!, because he lets me know that this phone call is being monitored then tells me that i owe {$250.00}. I told XXXX that i have no idea what he is talking about, just send me papers and i will look at them. Then he goes into the next phase of his tactic 's asking me am i refusing too pay the balance owed?. Well by now i have reached my boiling point and lost it, i told XXXX yes i am!! especially to you! I might have cursed at him, because he raised his voice, which he did not intimidate me at all!! I told him to do whatever he has to due, and hung up! Also be advised that i did not have a Commercial medical insurance policy, and i do n't think they Exist.This phone conversation was on XX/XX/XXXX in the evening between XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 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:
VIOLATES HIPPA AND CRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 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: TX

Complaint narrative:
VIOLATES HIPPA AND CRA

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: APEX Asset Management, LLC
State: NC

Complaint narrative:
A Company called Apex Asset management is on my credit report trying to collect a debt of {$12.00}. I never heard of this company or do n't know what this is for or from. This is not me or my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 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: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have called XXXX 14 times since XXXX XXXX. On XXXX XXXX I received an inquiry on my credit report from XXXX. It was not anything from me, nor have I ever heard of this bank, so I called them and asked them why they ran my credit. They are unable to answer me. They say they do n't see where I, or anyone else applied for an account, credit card, loan or anything else in my name or with my social security number. They have no clue why they ran my credit. I have asked them to remove the inquiry and they said they would because they do n't know why my credit was even ran. Here it is, a month and a half later, and 14 phone calls later and they still do n't have an answer for me. Just a bunch of customer service representives keep telling me the fraud dept is going to call me back. Of course no one ever calls me back. I 'm tired of having to continually explain my problems, due to your mistake. A mistake that you are failing to fix.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a credit report alert for the first time through XXXX notifying me about a delinquent account that was reported to the credit bureaus ( which had detrimental effect on my credit score ) by a collection agency, named Harris & Harris. This agency acted on behalf of XXXX XXXX Fire Department ( XXXX ) regarding what is perceived to be an overdue payment for XXXX ambulance service on XX/XX/XXXX. While it is true that I had used an ambulance service on that particular date, I had never received a bill through the mail in this regard, bearing in mind that my insurance coverage pays the ambulance service 100 %. 
On XX/XX/XXXX, I contacted Harris & Harris to locate my collection account. I discovered that the agency had me under a different last name ( XXXX and not XXXX ), they did n't have my full address ( just the building address without apartment number ) and did n't have my social security number.  Afterwards, I called XXXX who acknowledged to me that they had sent a bill to an incomplete address ( a mistake from their part ) and that the mail bounced back to them and they did n't search for my information. They also notified me that they will file a claim to my health insurance company and they will pull back the collections claim and apologized for their mistake. Since, I was kept in the dark for a year and I did n't receive a single mail to inform me of these developments from either parties, I kindly ask to notify all credit bureaus to remove any negative impact this situation could have resulted in my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a credit report alert for the first time through XXXX notifying me about a delinquent account that was reported to the credit bureaus ( which had detrimental effect on my credit score ) by a collection agency, named XXXX XXXX XXXX. This agency acted on behalf of XXXX XXXX Fire Department ( XXXX ) regarding what is perceived to be an overdue payment for XXXX ambulance service on XX/XX/XXXX. While it is true that I had used an ambulance service on that particular date, I had never received a bill through the mail in this regard, bearing in mind that my insurance coverage pays the ambulance service 100 %. 
On XX/XX/XXXX, I contacted XXXX XXXX XXXX to locate my collection account. I discovered that the agency had me under a different last name ( XXXX and not XXXX ), they did n't have my full address ( just the building address without apartment number ) and did n't have my social security number. Afterwards, I called XXXX who acknowledged to me that they had sent a bill to an incomplete address ( a mistake from their part ) and that the mail bounced back to them and they did n't search for my information. They also notified me that they will file a claim to my health insurance company and they will pull back the collections claim and apologized for their mistake. Since, I was kept in the dark for a year and I did n't receive a single mail to inform me of these developments from either parties, I kindly ask to notify all credit bureaus to remove any negative impact this situation could have resulted in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
I was advised that an account was open under my name ( XXXX XXXX ) and my business name ( XXXX XXXX XXXX ) @ XXXX XXXX in New York. I advised them I 've never had an account with XXXX and filed a complaint with XXXX directly today XXXX XXXX, 2017. As result causing me to have an issue with opening a business bank account with XXXX XXXX XXXX under my Business Name because it showing up in 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 2017-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This complaint is regarding the IRS and Equifax and the fact that a no-bid contract was awarded to Equifax by the IRS to perform fraud-prevention services, essentially rewarding Equifax despite their recent and highly public display of gross negligence in protecting consumer data. XXXX and XXXX both offer fraud-prevention services ; Equifax should have been eliminated from consideration. There is no platform for American consumers to voice their outrage over this contract being awarded to Equifax. 

It is my hope that as an honorable, independent institution, the CFPB can and will address this outrage and demand that the contract with Equifax be voided, on behalf of powerless consumers across the United States. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 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: Brelvis Consulting, LLC
State: PA

Complaint narrative:
I contacted " Student Loan Help Center '' back in XXXX XXXX to assist me in consolidating my student loans. They promised to do so after I pay their fee. After said company withdrew their fee from my bank account, they for months kept telling me one excuse after another as to why the process for consolidating my student loans is not complete yet, why time is needed or why the circumstances are not their fault. 

I spoke to them in XXXX, XXXX, XXXX, and XXXX of XXXX. The individuals I spoke with are XXXX, XXXX ( or XXXX ), XXXX XXXX XXXX. Their contact number is : XXXX ext. XXXX. They record the calls, thus they will have all recordings of the calls I made to them. If they claim they do not then this is more evidence on behalf of their of their guilty actions. 

When I spoke to representatives at " XXXX '' ( they are the company that handles all my student loans ) in XXXX XXXX they informed me that a process was started in XXXX XXXX then canceled in XXXX XXXX and there is nothing in their records that Student Loan Help CenteXXXX has done anything to resolve this matter. 

I contacted Student Loan Help Center in XXXX and spoke to XXXX XXXX XXXX concerning the fact that ( 1 ) the consolidation process has been canceled and I was n't notified of it ; and ( 2 ) they have n't done anything to resolve this matter. Those said individuals gave me more excuses. When I contacted them again in XXXX XXXX and spoke to XXXX to inform them that I wanted a full refund of my money, she both transferred me over to XXXX XXXX voicemail then when I called back a second time she gave me an email address and said once I email them I will be contacted right away concerning my refund. I did as she instructed but received no response via email nor phone. 

The bottom line is this company has committed fraud. They have n't provided me any proof that they have done anything on my behalf nor, and most importantly, they have n't done the task as they promised.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-03 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 AMERICAN FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Panorama Mortgage Group, LLC
State: CA

Complaint narrative:
Our current Mortgage company, Alterra, is not reporting our monthly payments to any of the 3 credit bureaus for the last 11 months. 

As a result, our attempt to refinance is being stalled due to the new lender requiring a verification of mortgage payment history. 

Our current loan officer assisting our refinance has sent multiple Verification of Mortgage requests accompanied by our Signed Borrower Authorization forms. None of these requests are being acknowledged nor is anyone available by phone to give clear answers nor help us out. Formal requests were sent more than 20 days ago. 

These delays are causing missed rate locks and higher interest charges daily for the opportunity cost of NOT being able to refinance.

Company response to consumer: Closed with explanation