vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX Bank continues to report inaccurate information to the the major credit bureaus ( Experian, XXXX & XXXX ). Just recently I filed a complaint with the Better Business Bureaus regarding the inaccurate information being reported. I have tried on numerous occasions to resolve this with XXXX XXXX directly but every time I contact them, Im told that they can not assist me because all of my information has been archived and my account was sold to a collection agency. I have explained to them that no collection agency is reporting on my report, it is only them ( XXXX XXXX Bank ). I was also just made aware that my credit score dropped 19 points when I contacted Experian to find out why, I was told that XXXX XXXX Bank reported a recent charge off as of XXXX XXXX, the account the are reporting falsely was first reported in XXXX. They are re-aging my account and providing more inaccurate information, which should be illegal to do, ( please provide me information on this ). 

I believe they recently reported to retaliate for the complaint I filed with the B.B.B Please have them remove this account immediately. 

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 non-monetary relief
Consumer complaint received 2017-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
Rushmore LM had offered me a trial modifcation on XXXX XXXX. I agreed to it, then withdrew and resubmitted to it. It was approved, at same time i was waiting for them to send reinstatement amount to NJ homesavers hardest hit. Then i recieved notification they recieved documents, i signed the paper work with NJ homesavers and they paid {$50000.00} to rushmoreLM. {$40000.00} for arears and legal fees, balance to reduce principal. I withdrew from the trial, it was approved by Rushmore LM, they took the funds from NJ homesavers, sent notifcation of this and modification withdraw. They never returned my {$6700.00} deposit for the trial modifcation, they said its not refundable, They kept the money. They diverted these funds illegally. The check says deposit for modifcation. If there is no modification, there is no need for the deposit not to be returned

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have a hard inquiry from XXXX on XXXX XXXX. I do recognize the inquiry and did not authorize it.

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 2017-11-18 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have a hard inquiry from XXXX XXXX that I do not recognize or authorize from XXXX of 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 2017-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have a hard inquiry on my report from XXXX on XX/2015 that I do not recognize nor did I authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I APPLY FOR A BEST BUY STORE CREDIT CARD, IT WAS DENIED WITH NO REASON WHAT SO EVER, MY CREDIT IS OVER XXXX, AFTER 2 WEEKS I GET A LETTER ( IN XXXX ) SAYING THAT THE LENDER WAS CITIBANK NA AND THEY SEND A NOTIFICATION SAYING THAT ''THEY HAD DECIDED NOT TO OFFER ME ANY TYPE OF ACCOUNT SERVICE '', WHY IS THIS? 
I DID CALL BEST BUY CREDIT SERVICES TO XXXX AND THEY SAY THEY HAVE NO MORE INFORMATION ABOUT THIS, I ALSO CALLED CITIBANK, THEY TRANSFER ME MORE THAN 3 TIMES TO DIFFERENT SECTIONS AND NOBODY COULD EVEN FIND MY NAME OR MY APPLICATION, SO I DECIDED TO WRITE A LETTER TO BOTH COMPANIES, BEST BUY AND CITIBANK, OF WICH NON HAVE ANSWERED BEST BUY REFERENCE # 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 2017-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a hard inquiry from Regions Bank that I did n't authorize from XXXX 2016

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 2017-11-18 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: PA

Complaint narrative:
I have notified experian several times over the past year about accounts that are not mine however they keep saying they are my accounts and refuse to remove them.

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 2017-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: DISCOVER BANK
State: FL

Complaint narrative:
I have a hard inquiry from Discover Bank on XXXX XXXX that I did not authorize or approve.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Hi my problem is not that the company chase doesnt know what to dispute! Rather, they dont want to dispute! 

So I need your help to find out why and who would like to risk the chase brand name and reputation to willfully abuse its customer! 

I am the chosen one on their radar! So it should be fairly straightforward to bring the issue on the table and listen to their side of stories! 

Thank you very much XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA

Complaint narrative:
We just went through a period where we were making extra payments due to my having been out of work earlier this year without pay. Now we are trying to make our normal payment but we ca n't reach anyone at the phone number, they are no longer open after XXXX EST and when calling during normal business hours, no one answers the phone. I 've seen numerous complaints online from other customers as well about the same thing. I 'm afraid that if we ca n't figure this out, we 'll lose the house. I ca n't even make the payment online. The mortgage company is HFC, the phone number is XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have contacted the creditors, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile because I never submitted the inquiry and they told me to reach out to the credit bureau which I have done over and over multiple times going in circles. 
I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following addresses are reporting incorrectly and must be removed immediately Unauthorized Inquiries : The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Date of Inquiry : XXXX/XXXX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 
The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Date of Inquiry : XXXX/XXXX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 
The following inquiry needs to be removed immediately : Creditor Name : XXXX Jewelers XXXX BOX XXXX XXXX OR XXXX ( XXXX ) XXXX Date of Inquiry : XXXX/XXXX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 
The following inquiry needs to be removed immediately : Creditor Name : XXXX/XXXX XXXX XXXX  XXXX XXXX TX XXXX ( XXXX ) XXXX Date of Inquiry : XXXX/XXXX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

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 2017-11-18 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: PA

Complaint narrative:
I have notified XXXX several times over the past year about accounts that are not mine however they keep saying they are my accounts and refuse to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Incorrect Reporting-Very old account and still has n't corrected. 

XXXX XXXX XXXX XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Charge-off Status Updated XX/XX/XXXX Balance - Balance Updated - Credit Limit {$500.00} Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, NV XXXX Ownership Individual Original Creditor -  Company Sold-to SOLD TO ANOTHER LENDER Original Amount - Comments - Payment History XX/XX/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 2017-11-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This account is showing as late on the reporting. It is incorrect information. 


XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid, was a charge-off Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit {$500.00} Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX - Company Sold-to - Original Amount - Comments - Payment History

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 2017-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Recently a credit card that was on my report for about 10 years was deleted off of my credit report. I am asking for this Item to be placed back on my report. 

XXXX Account XXXX Credit Limit {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is over XXXX XXXX XXXX. This has been removed from my credit file and is being reinserted. It is incorrect reporting. 

XXXX Account Number XXXX Account Type Credit Card Terms Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details Charged off as bad debt Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit {$500.00} Past Due Amount - High Balance {$780.00} Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, NV XXXX Ownership Individual 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 2017-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
I did not receive services on the date that the company is stating. I have disputed multiple times as well as asked for a summary of services to see exactly what I am being charged for because I was not seen. I did not receive anything from this stating I even owed anything, the only reason I found out about this collections was due to the fact that I checked my credit report and saw this on my credit report. I have not received any information as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is incorrect reporting. It has previously been removed from my credit report because it is inaccurate information. Now, it is being reinserted. 

XXXX XXXX Account Number XXXX Account Type Credit Card Terms Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details - Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit {$5000.00} Past Due Amount - High Balance {$6300.00} Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX Ownership Individual 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 2017-11-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I paid off the total balance of my Victoria 's Secret Credit Card Account, which is {$32.00} and received a confirmation email for that payment. After that, on XX/XX/XXXX, I have successfully closed my account with the confirmation from Victoria 's Secret. However, that payment of {$32.00} was returned on XX/XX/XXXX with no reason provided. Up until now, no alerts nor notifications were made to let me know that the payment was returned. It resulted in the late fees of {$28.00} in my total balance. 
Since the late fees of {$28.00} was created by the lack of Victoria Secret 's responsibility to notify customer about the returned payment after customer had closed their account, I request that late fees of {$28.00} must be dismissed. 
Victoria Secret 's Customer Service denied its responsibility for the unnoticed returned transaction after customer closing account. 
See attachments for confirmations and proofs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is incorrect information. The company removed it because it is incorrect. Now, it is being reinserted. It is incorrect reporting. 

XXXX XXXX BANK XXXX XXXX A Account Number XXXX Account Type Collection Terms Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Unknown Payment Status Details - Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit -  Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Ownership Individual account Original Creditor XXXX XXXX BANK NEVADA XXXX A XXXX Company Sold-to - Original Amount {$700.00}

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 2017-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This information is incorrect. It has previously been removed and is now being reinserted. 

XXXX Account Type Credit Card Terms Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details - Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit {$750.00} Past Due Amount - High Balance {$720.00} Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX Ownership Individual 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 2017-11-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
Without my consent Navient has been charging me ridiculous amounts of money and auto-drafting it out of my account. I have told them numerous times NOT TO AUTO-DRAFT, but somehow my loans are still in auto-draft mode. The interest for my loans is {$420.00} if I do n't make any payment on the principle. However WITHOUT MY CONSENT Navient has been charging me anywhere from {$640.00} to {$890.00} a month without telling me which payment I will have to make. When I tried to contact them about this I was literally forwarded, maybe a 3 way call and the rep hung up on me, to XXXX XXXX XXXX XXXX. 

Every time they say they are going to stop this behavior the do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
On XXXX XXXX I attempted to get my credit report on Equifax web site and it said the information did not match their records. Equifax has not updated my student loans accounts XXXX XXXX XXXX/XXXX accounts. 

They where consolidated on XXXX XXXX and my Equifax report still shows balances and that the fifteen accounts open with balances. 

This is negligence on their part and I am writing this complaint because they have not updated my report to reflect the account closed and paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The reason for my complaint is because bank of america has chosen to close my checking accounts with them which is fine cause in the agreement they are allowed to close the account and i understand that part of the contract. They have garnished monies from my checking account which led the account to be overdrawn due to the automatic payments that have been set up. I need all NSF fees to be credited to the account and I also received a letter from them that they might report the account to XXXX XXXX or XXXX XXXX. I have done nothing fraudulent or mishandled my accounts in any way in the 3 years that I have banked with them. I need to make sure my accounts are closed in good standing and that no negative information to be reported to XXXX XXXX XXXX and XXXX XXXX and also let me know what the final amounts owed in the account cause i have no access to the account online and have no idea what they have done with the accounts.

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