vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-28 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: CA

Complaint narrative:
I have a inquiry from XXXX on my Equifax credit report from XX/XX/2019 that was not authorized. I attended a spring fair around that time and one of the vendors was XXXX. I did stop in front of the booth and look at their display. The sales rep asked me if I had a home security system and I told him yes we did. He began to explain the XXXX system and pulled out a piece of paper and wrote down a list of equipment with pricing. He told me he would call his supervisor and see if he could provide the equipment for free and asked me to complete the personal information at the top of the form. I told him I was not interested and he said he understood and then asked me to complete the personal information again because credit for just speaking with me. I did provide my name however I drew a line through the lines address and social security number and specifically stated I would not provide that information because I was not interested in switching security systems. He thanked me, gave me his card, and told me to call him if I ever wanted to switch. I didn't keep the sales reps card because I wasn't interested in the XXXX  security system. Upon reviewing my credit report a few weeks ago I see there is an inquiry from XXXX a day after I was at the fair. There was no reason they should have requested a copy of my credit because I was very clear I wasn't interested in their product. Also, how did they request my credit when I didn't provide them with my social security number and I intentionally marked through those items on the form? I tried contacting XXXX and a representative was supposed to call me back however I haven't received a reply. I want this inquiry removed and would also like to know what options I have for compensation from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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:
Inaccurate information on credit report. 

XXXX XXXX XX/XX/XXXX {$560.00} XXXX XX/XX/XXXX {$5900.00} XXXX XX/XX/XXXX {$160.00} XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XX/XX/XXXX {$910.00} XXXX XXXX XX/XX/XXXX {$220.00} XXXX XXXX XXXX XX/XX/XXXX {$340.00} XXXX XXXX XXXX XX/XX/XXXX {$190.00}

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 2020-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Began in XX/XX/XXXX, fraud for {$790.00} on Capital One Master card, XXXX, also affected my checking acct. end. XXXX. Made credit card pymt via my Capone debit card on XX/XX/XXXX for {$200.00}. Internal banking error on this date. Instead of my debit card, unknown Visa card XXXX, charged for my payment. Upon discovery by bank, they debited my Master Card, above limit, debited my checking acct., overdrawing it. 
All my communication, two years to them resolved nothing until I submitted a judgment against them. Legal dept called, offered me approx {$1500.00}. to settle ; which I did in XXXX. Rec 'd cashier check. 
Fact Cap One reports 'Charge Off ' on Mastercard for high amount, will not remove it with my credit report dispute, has ruined my credit. I explain all, they have no 'knowledge ' of settlement, or acknowledge proof I send.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: FL

Complaint narrative:
I am a victim of identity theft

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 2020-02-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: WLCC
State: FL

Complaint narrative:
On XX/XX/2020 I ( the consumer ) XXXX XXXX XXXX ( XXXX ) sent via email a ACH Debit Authorization Revocation Notice on Loan ID : XXXX to XXXX XXXX XXXX ( XXXX ).  Confirmation of receipt of documented request was confirmed by XXXX XXXX XXXX as received on. The company proceeded to debit my XXXX XXXX XXXX account # ( ending in XXXX ). A email was sent to the company requesting reversal of debit charged. XXXX XXXX XXXX has not complied with request to reverse debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Have a copy of CERTIFICATE OF DEPOSIT ( CD ) opened XX/XX/XXXX XXXX XXXX   marked New/Permanent CD for {$45000.00} joint account. XX/XX/XXXX went to Huntington Bank in XXXX, Ohio to check on CD due to the other person on the joint account passed away, XXXX got back with me in 4 days and informed me there was no records on this CD and to check with the Ohio Bureau Of Unclaimed Funds to which myself had done, thus there is nothing on file with the ( OBOUF ). Then I went to Huntington Bank in XXXX Ohio the first week of XX/XX/XXXX to see if someone else could give better answers. Spoke with XXXX XXXX about this CD, she informed me that at this time frame XX/XX/XXXX Huntington Bancshares Acquisitions took over XXXX XXXX and that she knew the person that opened this CD and she did some computer checking and asked the other XXXX XXXX question on this matter to where she researched this matter, thus XXXX XXXX found nothing on this CD and that she would look into further an that it would take more than ten working days. plus she made copies of the CD, so now it's XX/XX/XXXX sent a e-mail to XXXX XXXX on this matter and there is no reply. Ever since this CD was opened all mail and notices should have come to me and not the other name on the CD, thus there has never been nothing sent to me since the opening of this CD. I have this copy an they have no records. If this account was closed/dormant by Huntington Bank. they should have notified me and send a OUF form to the ( OBOUF )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I entered into Ch. XXXX Bankruptcy and am to the best of my abilities trying to finish my case and rebuild a life for me and my son. I have done tons of research to try to fix the issue as well as make calls to every number and I have I mailed several letters to every address for Victoria Secret to try to get a 30 day late from 2018 removed from my credit history but every response I received from them basically says no they will not remove it and to basically not ask again.The response was very generic and I don't feel like they put any thought or effort into my plea. I have seen several letters from this company showing where they have made adjustments and I just wanted to same one time courtesy. I do not believe it is fair for consumers who hold this credit card. I spend a lot of money in this store, and that is with and without the credit card. This is the only thing stopping me from securing my mortgage and I have made time payments since 2018. I am just asking for the same courtesy granted to other customers. And if I can't get any help, there is no need for me to keep this credit card or make purchases from this company. I appreciate and look forward to a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
i filed my income taxes online and on my credit report was a new charge thru XXXX XXXX   for {$130.00} loan on XX/XX/2020 that i never applied for or recieved and now its gone to collections to midwest recovery systems i believe somebody from 2 previous addresses that i lived at is responsible for theses charges for the same thing happened under my wifes name for a payday loan she never applied for from the same previous address that we have not lived at for more than 6 yrs i disputed this thru XXXX and reached out to XXXX XXXX and midwest recovery and have got no response i reached on on XX/XX/2020 this is for sure identity theft my identity has been compromised

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: FL

Complaint narrative:
I am a victim of identity theft

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 2020-02-28 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: FL

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

US DEP ED XXXX {$41000.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$0.00} XXXX XXXX {$820.00} XXXX  XXXX {$410.00} XXXX XXXX {$1200.00} XXXX XXXX {$400.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$300.00} XXXX XXXX   XXXX {$450.00} XXXX XXXX XXXX {$350.00} XXXX   XXXX {$1200.00} XXXX/XXXX XXXX {$450.00} XXXX XXXX {$820.00} XXXX XXXX {$720.00} XXXX XXXX {$890.00} XXXX XXXX XXXX {$600.00} XXXX XXXX {$450.00} XXXX   XXXX {$750.00} XXXX XXXX XXXX {$67.00} XXXX   XXXX {$300.00} XXXX XXXX {$300.00} DPT TREASURY XXXX {$56.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mid-South Adjustment Co., Inc.
State: AR

Complaint narrative:
HELLO. I PAID A COLLECTION ACCOUNT THAT WAS TURNED OVER TO MUD SOUTH ADJUSTMENT XXXX XXXX, AR XXXX PH ( XXXX ) XXXX FOR A MEDICAL BILL FROM ARKANSAS XXXX HERE IN XXXX XXXX XXXX, AR IN THE AMOUNT OF {$160.00}. IT WAS RECENTLY PAID IN FULL. THE FILE NUMBER IS XXXX ON XXXX XXXX. THIS ACCOUNT IS PAID IN FULL AND CLOSED. THERE SHOULD BE NO REASON WHY IT SHOULD'NT BE REMOVED FRO, MY CREDIT REPORT. IT ISN'T BENEFITING ME AND I AM ASKING FOR A GOOD WILL DELETION. I'VE ALREADY CONTACTED THE COLLECTION AGENCY AND THIS IS RIDICULOUS. THEY HAVE NO VALID REASON WHY THIS PAID COLLECTION CAN NOT BE REMOVED. I NEED THIS TAKEN CARE OF IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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:
Inaccurate information on credit report. 

XXXX XXXX XX/XX/XXXX {$560.00} XXXX XX/XX/XXXX {$5900.00} XXXX XX/XX/XXXX {$160.00} XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XX/XX/XXXX {$910.00} XXXX XXXX XX/XX/XXXX {$220.00} XXXX XXXX XXXX XX/XX/XXXX {$340.00} XXXX XXXX XXXX XX/XX/XXXX {$190.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: TX

Complaint narrative:
Inaccurate information on credit report. 

XXXX XXXX XX/XX/XXXX {$560.00} XXXX XX/XX/XXXX {$5900.00} XXXX XX/XX/XXXX {$160.00} XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XX/XX/XXXX {$910.00} XXXX XXXX XX/XX/XXXX {$220.00} XXXX XXXX XXXX XX/XX/XXXX {$340.00} XXXX XXXX XXXX XX/XX/XXXX {$190.00}

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 2020-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC.
State: FL

Complaint narrative:
I contacted my Credit Union to retrieve money I gave to Guaranteed Rate for appraisal and to continue the refinance process. Due to legal documents signed they could not retrieve the money. 
Online I contacted Guaranteed Rate to refinance my property. I was looking for an interest rate of 3.75 % or lower and would not accept anything higher. XXXX XXXX ( loan  officer ) assured me I was locked in at 3.75 % interest rate, therefore on XX/XX/XXXX I payed Guaranteed Rate {$500.00} for the appraisal and to continue the refinance process.Any documents, bank statements, proof of income, taxes, etc. I provided for them. In addition I gave them information on a property my sister and I own in Michigan. This Michigan property was paid off in XXXX, is in a living trust and the trust is responsible for taxes and insurance. 
XXXX XXXX ( underwriter for Guaranteed Rate ), inadvertently used the property I was trying to refinance as the property in Michigan, saying there was a lean on it, thus denying my loan. I called XXXX and we corrected her first error thus continuing the refinance process. XXXX then said I was responsible for the taxes and insurance on the Michigan property. However, if XXXX would have researched the title of the property in Michigan she would have found that the property is in a living trust and the trust is responsible for taxes and insurance.This second error lead to a interest rate increase to 3.99 % which is unacceptable for me. Do to these two major errors, which could be considered as Fraudulent, ( do to the interest rate increase ), I believe I should get my money back. In addition I never received a invoice of the appraisal. XXXX XXXX did returned {$25.00} of the {$500.00} sent. The {$470.00} should be paid back to me to show good business practices, integrity, honesty, good faith, and the right thing to do. I do not believe I should have to pay for their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: AL

Complaint narrative:
I want to settle this debt. However, I'm recieving conflicting responses from management. They are refusing to settle or provide payment options. 
I filed a CFPB report on XX/XX/XXXX for account # XXXX seeking debt validation because I was never given any but because this account is being reported on my credit report I want to settle the account althought I dont agree with the amount. On XX/XX/XXXX Mrs. XXXX responded to my CFPB report stating I had payment OPTIONS and I was honestly looking forward to working with her. I spoke with Ms. XXXX via chat on ( XX/XX/XXXX ) and she said I had to email Mr. XXXX. I emailed Mr. XXXX seeking to settle this account with no response. So then I called and was transferred to Mr. XXXX and he stated I had to pay in full and wouldn't accept a settlement offer so I disconnected the line. I tried to call Mrs. XXXX 's direct line but I get nothing. I want to settle this account. The website advertises payment options and so did Mrs. XXXX so I would like the option to settle if I could pay in full I would have. I want to settle this account and be done with it. I have no contracts that bind me to ProCollect , Inc and they have not furnished any documents that says I have to pay them but I dont want to prolong this any longer.

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 2020-02-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MD

Complaint narrative:
In XX/XX/XXXX I applied for a renewal of an Income Driven Repayment and my loan was in forbearance at the time. I was told no payments were due. Then in late XXXX a notice was sent out that I was unaware of that said a payment, under XXXX was due. I was contacted in XXXX and immediately paid the amount. At that time I submitted to have consideration for excessive loan debt. I was told that I was approved and would not have a payment until XXXX. This was spoken over the phone. The representative however, did not follow through on that information and I am back at square one. I have 4 groups of loans and only one group does not qualify. I am a retired XXXX veteran. Please help. Nelnet wants over XXXX dollars a month which I can not pay. I was forgiven half the loan with Nelnet in XXXX, for unemployment and XXXX XXXX and then the full amount was restored when my retirement started in XXXX. I keep getting different responses from Nelnet and now they are not removing the XXXX requirement to pay in XXXX even though I have submitted all the paperwork for a 3rd time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I tried to submit a wire transfer for the closing of my house at XXXX XXXX est on XX/XX/XXXX for the meeting at noon that day. I called in to the call center at noon to verify the status with the employee who said that the wire was being transferred and gave me a confirmation number. After giving this to my lawyer, they found that this number did not exist. I called back into the call center shortly after and inquired to this and they told me my wire transfer was still in process and that they needed my verification before moving forward. I tried to give that to them on the phone but they would not accept it. The representative, as well as their website, assured me that someone would be in contact and that my wire transfer would be completed by end of business on the XXXX. At the end of business, this was not complete. I called back into their center where they told me that this request now would be completed at the start of business on the XXXX, putting me at risk of losing my home. After explaining this, I was given no help to move forward. This morning, on the XXXX, I called in at XXXX XXXX to see the status as this was still not moved, they told me they still needed to verify the information with me, which I offered to do again and offered to be transferred to this person but was not allowed. I was then promised that someone would be in contact at XXXX XXXX on the XXXX est. This has also not happened at this point. I am in dire danger of losing my home and the only reason is that Ally Financial refuses to send my money to the lender.

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 2020-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Second Round Limited Partnership, Austin, TX Branch
State: CA

Complaint narrative:
I received email from credit bureaus that second round debt collection has reported a bill that I owe them in amount XXXX from XXXX XXXX. I have good credit history with XXXX. I have no knowledge of this debt. Can you please resolve the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TOP FLITE FINANCIAL INC
State: GA

Complaint narrative:
On or about XX/XX/XXXX we applied for refinance with Top Flite Financial working with XXXX XXXX. Our loan # is XXXX. We went through the process as normal, completing application, providing documents and lastly ordering and paying for an appraisal. Since the appraisal has been completed and received by XXXX XXXX on or about XX/XX/XXXX we have not heard from Mr. XXXX AT ALL. we have called, emailed, left message numerous times with no return call or status. Since we have paid for appraisal, the ONLY correspondence we have received from Top Flite was an email dated XX/XX/XXXX requesting additional pay stubs, which we uploaded to the website. Mr. XXXX and Top Flite Financial misled us to think we could get a loan, they only wanted to get the appraisal done. Top Flite gives its employees bonuses for the amount of appraisals they order. MrXXXX XXXX receiving a {$1300.00} bonus back in XX/XX/XXXX. Since the appraisal, we have not talked to Mr. XXXX or received any correspondence from him. They were very deceitful in leading us to believe we would qualify for the loan, when all they wanted was to add another appraisal to their records.

Company response to consumer: Closed with monetary relief