vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-30 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: Credit Plus Inc
State: NC

Complaint narrative:
My credit was pulled by XXXX XXXX on XX/XX/18 and I received an email from the agent on XX/XX/18 informing me that I did not meet the required XXXX required to qualify for a mortgage loan. He further went on to advise that the next communication I would receive would be from an agency advising what I needed to do to increase my credit score. I was initially upset about this, because I was opposed to having my credit pulled and I was basically urged by XXXX to have it pulled. I have a very clear picture of my financial position, and I informed the agent that I didnt want my credit pulled at that time because I wasnt in a position to buy a home at that time. I was encouraged to call XXXX XXXX in regards to a credit repair program. Nevertheless, there was no follow-up with any further information as promised. I was then asked by a buyer 's agent if I would mind speaking to someone else in another XXXX XXXX XXXX. I said sure, whoever is going to be able to guide me and get me the help I need. 

I received a call within the next day or two from another agent. I was upfront with this individual just as I was with the prior agent. The new agent ask me several questions basically confirming information I provided on my previously submitted loan application but never did we discuss submitting a loan application or pulling credit, because the other office had already pulled credit on XX/XX/XXXX. I am disputing both credit inquiries and would like them removed immediately, because the services that XXXX presented and the end-goal was totally misrepresented as presented to me. 

The second agent asked me several questions during our phone conversation, and any information obtained was for the sole purpose of identifying me so that he could retrieve my credit file in XXXX system since he did not work in the same physical office as the prior agents. There was never a discussion, nor did I express an interest in submitting a new application. The main concern that I expressed was trying to determine how the middle score was obtained through the first office in my denial with no explanation, because I knew my credit score should be higher. I simply wanted to know if credit scores for mortgages were determined using a different method than general credit applications, and I clearly explained that to the agent. I authorized the credit pull on XX/XX/XXXX however the XX/XX/XXXX pull was completely and totally unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP
State: TX

Complaint narrative:
-Check Date XX/XX/XXXX -Check Amount- {$700.00} -Check made out to- XXXX XXXX -Provided the First XXXX XXXX routing and account number. 
-I closed out the account on XX/XX/XXXX -Nothing could be found while I was on the phone either time. 
My account was a XXXX XXXX checking account that was transferred to Key Bank as the companies merged. I've spoken to Key Bank twice providing all my needed contact details-Phone number, Email address, and updated mailing address.

1st phone conversation XXXX, promised a call back with information, no call was made to me.

2nd phone conversation XX/XX/XXXX, did receive a call back, but was advised the same details as the first call, " I'll open a research request to have this reviewed for the check copy ''. I requested the check copy be sent by email as this is needed for a Court Case. I was advised no problem. I was advised that I would be followed up with in 3-4 days by a person from their research department advising of a status. This timeframe has come and gone and no communication by phone, email or mail has been received. 

This check copy is highly important and is time sensitive to me. I'm in no way confident that any action has been taken place by Key Bank. All details that were given to me, such as follow up have fallen through. I need help to get this matter resolved as it seems I've been forgotten about.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
XXXX XXXX XXXX has charged my card every year {$25.00} without my knowledge. I agreed to pay one year, many, many years ago. They recently charged {$25.00} which is the first time I realized this was charged to my account without my knowledge. My husband called and they said they will refund the most recent annual charge. They told my husband that theyve charged our card every year. We had no knowledge of this. This happened to my elderly mother as well and she has never agreed to the charge either. Seems to be illegal or theyre running some sort of scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
Im a victim of a fraud. An unauthorized transaction made in XXXX XXXX account using all my informations. Charged notice in my bank account of {$450.00} on XX/XX/2018. XXXX XXXX stated transaction was valid. Its not true, my informations in my account in XXXX XXXX was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc.
State: FL

Complaint narrative:
In XX/XX/2016 I moved to a location where XXXX XXXX XXXX could not provide service to me. when I called in to try and move my services thats when I was informed they did not provide service in that area and also told me they would wave my cancellation fee because of the inconvenience. About 3 to 5 months letter I receive a letter from a debt collector stating I owed XXXX XXXX XXXX for a early termination fee. I decided the battle was not worth it so I went a head and paid off this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: MD

Complaint narrative:
I have called the company to resolve such a huge debt. I had only used about half of the {$500.00} credit limit originally back in the Fall of XX/XX/2017. But, eventually I lost the card and someone was using it causing it to overdraft to over {$5000.00}. I talked with Discover multiple times explaining to them the situation, but they kept ignoring the issue and wanted me to pay all of them overdraft fees that occured due to the lost of my card. I had even put a freeze on it and they changed the account number at least 2 times trying to offer me a new card which I declined. I only want to be responsible for that {$250.00} I used on the account, no late charges or anything. Just that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 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: Professional Finance Company, Inc.
State: TX

Complaint narrative:
I received a credit monitoring notification a few days ago. The notice was to let me know that a report was received about a negative report about a unpaid account. I was stunned to hear of an account that wasnt paid. We found the number of the debt collector and called them and they stated they purchased the debt from a medical provider. The unpaid amount is {$340.00} claimed by debt collector and by medical provider. Thee day service was rendered I paid {$170.00} that was due and wasnt advised any other amount was due.. Service was done in XX/XX/2018 and after calling the medical provider they claimed they tried to call once and sent two statements to my home. The only notice that I received was when the credit monitoring company sent a notification a few days ago. The medical provider said the debt was sold and they couldnt help me. I pay every bill due and sent to me. The medical provider has no proof that a bill was sent. They could have sent an email or certified letter. Phone calls unfortunately are not safe, you never know who has stolen information using it to commit fraud. The medical provider nor the debt collector ever tried to contact me that Im aware of. I told them the balance wasnt a problem provided I receive a bill for service. The debt collector didnt have bill since they didnt render any service to me. The medical provider said the debt was sold and out of there control. I want my credit cleared of any negative impact from the debt collector.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-30 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: LEXISNEXIS
State: WI

Complaint narrative:
LexisNexis said they verified a bankruptcy through the courts. This is impossible because the courts do not speak or report to third party agencies. They have failed to properly verify information that was disputed. They are reporting information that can not be verified to the three major credit agencies. This is chasing improper credit reporting through the fcRA. They need to remove the unverified item from all 3 agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
XXXX XXXX, ACCT XXXX. This account violates the FCRA because it has been RE-AGED -- the DOFD is incorrect. Original Creditors and Debt Buyers are required to provide correct information within 90 days after it appears on the file. This account has been being reported for years inaccurately. These actions can be construed as fraudulent. As such, the remedy is to DELETE this account in its entirety from XXXX, XXXX  & XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My Bank of America credit card was closed on early this year because I was not making my payments. I contacted Bank of America through letters stating that I was going through a  financial hardship and they still closed my account as well as keeping 4 late payments on my account. For the months of XX/XX/XXXX to XX/XX/XXXX I was struggling to make my payments because of my financial situation back then. I have been a loyal customer with Bank of American since XX/XX/XXXX. For them to close my account and not waive my 4 late payments knowing that I was going through a financial hardship is not great customer service but terrible.

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 2018-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: USCB, Inc.
State: CA

Complaint narrative:
I am constantly receiving calls from this company about a debt I know nothing about. I have requested they stop contacting me because they call before XXXX Now I have received a collection notice that states they have not heard back from me and the unknown debt of mine is steadily gaining interest. It appears to be for a hospital bill when I have double coverage and I am a recipient of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My Wells Fargo credit card was closed on early this year because I was not making my payments on time. I contacted Wells Fargo through letters stating that I was going through a financial hardship and they still closed my account as well as keeping 4 late payments on my account. For the months of XXXX to XXXX of XXXX I was struggling to make my payments because of my financial situation back then. I have been a loyal customer with Wells Fargo since XXXX. For them to close my account and not waive my 4 late payments knowing that I was going through a financial hardship is not great customer service but terrible.

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 2018-09-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
My XXXX credit card was closed on early this year because I was not making my payments. I contacted XXXX through letters stating that I was going through a financial hardship and they still closed my account as well as keeping 4 late payments on my account. For the months of XXXX to XXXX of XXXX I was struggling to make my payments because of my financial situation back then. I have been a loyal customer with XXXX since XXXX. For them to close my account and not waive my 4 late payments knowing that I was going through a financial hardship is not great customer service but terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 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: CO

Complaint narrative:
XXXX, Experian, and XXXX  are showing the only ADVERSE ACCOUNT on my credit report to be a XXXX XXXX credit card which I do not have and have never had, a XXXX XXXX credit card. 
On a phone call with Experian they confirmed that the XXXX for the XXXX XXXX account did not match my own but they have not removed the false information from my credit report. I have made the same complaint to XXXX. They know the charge is not mine but have yet to remove it. 
It has been almost a year since I have contacted them and they still have yet to remove the data from my report. 
These agencies have caused me serious distress and have lawlessly disobeyed the requirement to remove false data within 30 days of confirming the inaccurate information.

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 2018-09-30 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My XXXX bank credit card was closed on early this year because I was not making my payments. I contacted XXXX bank through letters stating that I was going through a financial hardship and they still closed my account as well as keeping XXXX late payments on my account. For the months of XXXX to XXXX of XXXX I was struggling to make my payments because of my financial situation back then. I have been a loyal customer with XXXX bank since XXXX. For them to close my account and not waive my 2 late payments knowing that I was going through a financial hardship is not great customer service but terrible.

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 2018-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: NY

Complaint narrative:
XXXX XXXX has been calling non stop at all hours and even hanging up when asking who they are and to stop calling. This is not my debt. This belongs to my daughter who does not live with me. I am an elderly XXXX veteran and have XXXX and these constant phone calls are causing additional emotional stress to have them keep calling all day and I cant just ignore the phone and I cant lay down cause everytime i do they call and hang up. Please help as I am also contacting a lawyer as well to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 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: CO

Complaint narrative:
Transunion, XXXX, and XXXX  are showing the only ADVERSE ACCOUNT on my credit report to be a XXXX XXXX credit card which I do not have and have never had, a XXXX XXXX credit card. 
On a phone call with XXXX they confirmed that the SSN for the XXXX XXXX account did not match my own but they have not removed the false information from my credit report. I have made the same complaint to Transunion. They know the charge is not mine but have yet to remove it. 
It has been almost a year since I have contacted them and they still have yet to remove the data from my report. 
These agencies have caused me serious distress and have lawlessly disobeyed the requirement to remove false data within 30 days of confirming the inaccurate information.

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 2018-09-30 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: CO

Complaint narrative:
XXXX, XXXX, and Equifax are showing the only ADVERSE ACCOUNT on my credit report to be a XXXX XXXX credit card which I do not have and have never had, a XXXX XXXX credit card. 
On a phone call with XXXX they confirmed that the SSN for the XXXX XXXX account did not match my own but they have not removed the false information from my credit report. I have made the same complaint to XXXX. They know the charge is not mine but have yet to remove it. 
It has been almost a year since I have contacted them and they still have yet to remove the data from my report. 
These agencies have caused me serious distress and have lawlessly disobeyed the requirement to remove false data within 30 days of confirming the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF HAWAII CORPORATION
State: HI

Complaint narrative:
Today is XX/XX/2018. Prior to XXXX Hawaii Standard Time , I made a in person deposit of several checks at Bank of Hawaii . 
After I left the bank, I noticed the deposit slip is dated for XX/XX/2018 Is this legal? 
I also get direct deposits from from XXXX  XXXX XXXX and XXXX XXXX. Both of them with hold funds availability for about 4 days before they appear in my account. 

Essentially, it floats somewhere from the time the person initiates the online transfer/payment, to the time it is credited to my account it is about 4 days later.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG HOLDINGS INC
State: VA

Complaint narrative:
XXXX XXXX sold a PAID IN FULL TO XXXX XXXX  XXXX - XXXX XXXX XXXX, XXXX, MS XXXX. MONIES were deducted automatically based upon the payments from XXXX each month on time. After the last payment, XXXX was advised to stop electronic payments. XXXX, XXXX sold this account to a debt collector that is not authorized to do business in Virginia ; they fraudulent changed the Original Date and in violation or reporting derogatory information on my credit when it has been paid in full. that fraudulent misrepresent this account I've provided evidence to show that the account was paid in full. In fact, records from XXXX show that the account has been overpaid. The company owes me money. 

Virginia requires anyone doing business in the State to register with the XXXX. XXXX , XXXX sold an account to a debt collector, not in compliance with the state of Virginia. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 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: HW Holding, Inc
State: NC

Complaint narrative:
Hi CFPB I am filing a complaint that's related to complaint number XXXX they have change there name on my XXXX from hunters warfield to XXXX   XXXX XXXX. These guys are playing games with my XXXX and credit which isnt fair. I offered for an exchange but they will not send me original proof with my signatures showing its mine. They are playing games by harassing, threatening, using bad language very rude as I was being very respectful and polite. Their also changing the balance and their names on my report on XXXX and XXXX  its showing closed negatively and the name they have is hunters XXXX and on my XXXX its show open and a different name XXXX   XXXX XXXX. I'm just now seeing this on my XXXX under section XXXX under fcra they have violated the statue of limitations this must be removed of all my XXXX credit reports or else it's a {$1000.00} fine for each. This is a complaint I have filed related to complaint number XXXX they keep harassing me wrongfully I almost lost my job when they said I was going to be arrested at my job. This isn't right. 

Thank you cfpb for your hardwork I really appreciate your help.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation