vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-19 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
On XX/XX/2017 I never gave my permission to this company to check my XXXX XXXX and they did Hard inquiries Institution Information Ally Finan I XXXX, MN 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 2018-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnion has on my credit File Names Reported : XXXX XXXX XXXX XXXX I have never used this name nor ever applied for any type credit under this name. Transunion needs to provide proof/documents as to this name or Remove/Delete from my credit file.

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 2018-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On two separate occasions I applied for a CitiBank credit card with the 0 ( zero ) interest for 18 months. On both occasions I was denied. On the second attempt the response from CitiBank was that I was denied credit because of the legal resolution of a bankruptcy. That bankruptcy occurred in the mid nineties. I do know that my bankruptcy will be noted on financial papers probably for the rest of my life. I also know that 7 years after the bankruptcy I should have been able to re-establish credit.I did. And, my financial picture has turned around. Well, all of this happened 23 years ago. I also know that any company may choose to deny credit to me. The question I have is whether a company is allowed by law to deny credit based only on how a bankruptcy was adjudicated? The irony is I have a CitiBank card in good standing. I just wanted to take advantage of the companys advertising of a zero interest credit card.

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 2018-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have a Capital One Credit Card and Ive a few problems. 

First, when I made my first monthly payment, it took approximately 5 days to take from my checking account, as there was an option to take from my debit card. 

It took too long, I didnt have the money in checking account for my monthly payment, and it bounced back, and I was charged with XXXX {$25.00} return fees. 

The next month I was charged a past due few of {$25.00}, interest in the amount of {$6.00}. 

The following month a past due few of {$35.00} was charged, and an interest fee for {$7.00}. 

The next month, another {$35.00} past due fee and an {$8.00} interest fee charge. 

Thats over {$100.00} in fees. I dont think thats fair at all. 

I called the company and they told me if I paid the balance on the card they would see about crediting the fees, and thats not acceptable as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 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:
On XX/XX/2017 a balance of {$1700.00} from XXXX XXXX XXXX appeared on my Equifax credit report. I am challenging Equifax to verify this account per Section 609 of the Fair Credit Reporting Act.This is a consumer disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the credit bureaus and the creditors to provide the credit bureau a copy of the original creditors documentation. Whatever I filled out and signed upon opening the account with the reporting creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX purchased a new XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX. They have been doing fraudulent sales tactics and they messed up on the original bill of sales to include my XXXX trade in from XXXX XXXX. I signed paperwork that has XXXX taking Power of Attorney over my trade in. They haven't sent XXXX XXXX the payoff check. I sent in the paperwork to XXXX XXXX showing I traded in the car but they keep harassing me. I'm not responsible for the car. Matter of fact, XXXX is under investigation by the XXXX and Florida XXXX XXXX. They have purposely with held the additional paperwork from XXXX XXXX because XXXX will not refinance the Journey to include the negative equity from the XXXX. That's why XXXX hasn't sent the money to XXXX XXXX. XXXX has doctored up fake application numbers and denial letters. I have a letter from XXXX XXXX congratulating me on my purchase from XXXX XXXX XXXX XXXX XXXX. XXXX has stolen my car from my work and they no longer own the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: WI

Complaint narrative:
We have had continuous issues with XXXX XXXX. They refuse to speak with us, and keep hanging up. A minimum of XXXX times we have been hung up on. They are scamming us. Currently our XXXX for 2017 is incorrect and they will not speak to us in regards to this. It only shows our interest payments of {$16000.00} from our regular monthly payments. However, there were additional interest payments made via our chapter XXXX in the following amounts that they are not reporting. We believe they are hiding this revenue. 
XXXX {$1500.00} XXXX {$1000.00} XXXX {$1300.00} XXXX {$1000.00} XXXX {$980.00} XXXX {$1200.00} XXXX {$1100.00} XXXX {$680.00} XXXX {$570.00} XXXX {$550.00} XXXX {$410.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
There has been continous fraudulent activity to the point that Bank of AmericaXXXX has attempted and fraudulent and illegal sale of property that does not belong to them. The bank has no lawful or legal consideration. I have requested repeatedly for Bank of America to provide proof of claim and they have yet to provide but utilized XXXX XXXX to allegedly sell property at an XXXX XXXX. Receive letters stating the secured /trusted property was sold ( illegally ) and ( Fraudulently ) to another company however, just received something in mail stating that property was allegedly sold to someone by the name of XXXX XXXX . 

I'm requesting all documentation pertaining to illegal sell of property to include all previously requested information pursuant to RESPA Request etc.

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 2018-02-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Delta Management Associates, Inc.
State: SC

Complaint narrative:
This company Delta Management keep calling and threatening to take me to court. they constantly calling all day and night. No respect. I asked them to not call me any more. The continue calling. They also calls from different numbers and from private numbers. I don't know them and they said the government sold them my contract to collect education debts. My credit report shows that I don't owe any school, because it had been charged off. Please help.

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 2018-02-19 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: AES/PHEAA
State: TX

Complaint narrative:
As of XX/XX/2017 all student loan debt was paid off with a zero balance remaining. After working to get delinquencies removed I was advised to print of a loan summary detail by a representative from Fed XXXX XXXX. This report provided online gave a detailed descriptions reflecting XXXX days delinquent and a zero balance on ALL accounts. This report was then submitted to all three credit bureaus resulting in them removing all but XXXX XXXX XXXX of the XXXX agencies. The information provided allowed them to removed the majority except one. The loan summary detailed report provided all accounts I had through Fed Loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 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: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
On XX/XX/2017 I never gave my permission to this company to check my credit score and they did Hard inquiries Institution Information XXXX XXXX XXXX XXXX, MN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent them letters to both the credit bureaus and the collection agency trying to collect on the debt letting them know that the amount that the original creditor is claiming is incorrect due to the fact that the damages they are claiming that I owe were caused by Hurricane Isaac in 2012. 

The damages that they are claiming that I owe were caused by XXXXurricane Isaac and that amount should be paid by the owner of the property or they should of filed a claim with their insurance company not try to get me to pay for damages that were caused by a natural disaster.

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 2018-02-19 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: FL

Complaint narrative:
I have sent them letters to both the credit bureaus and the collection agency trying to collect on the debt letting them know that the amount that the original creditor is claiming is incorrect due to the fact that the damages they are claiming that I owe were caused by Hurricane Isaac in 2012.

The damages that they are claiming that I owe were caused by Hurricane Isaac and that amount should be paid by the owner of the property or they should of filed a claim with their insurance company not try to get me to pay for damages that were caused by a natural disaster.

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 2018-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Well basically, I have 6 hard inquiries on XXXX  which 2 of them I know about but then the 4 that I don't know showed up on my credit report. I didn't try to open any new credit cards that they mentioned so that there is false  -INQUIRIES DETAILS- the 4 false credit card is XXXX XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX ^ XXXX XXXX   XXXX XXXX XXXX Again inquiry from XX/XX/XXXX XXXX XXXX XXXX, Usa inquiry from XX/XX/XXXX XXXX XXXX   inquiry from XX/XX/XXXX Plus I have 1 Derogatory mark Collections- which I never opened an account with them its called XXXX XXXX XXXX for the amount of $ XXXX original Creditor : XXXX which was open on XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - And on TransUnion, I have 4 hard inquiries which are -XX/XX/Amazon- inquiry from XX/XX/XXXX -XXXX   XXXX- XX/XX/amazon XXXX, FL XXXX ( XXXX ) XXXX -XXXX- XX/XX/PublicAccommodations inquiry from XX/XX/XXXX XXXX XXXX- XXXX   XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX -Institution Information- XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX XXXX   XXXX inquiry from XX/XX/XXXX -Institution Information- XXXX XXXX XXXX XXXX XXXX, UT 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 2018-02-19 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: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
On XX/XX/2017 I never gave permission to that company to check my credit score, And they did Hard inquiries XXXX  XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-19 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: FL

Complaint narrative:
I have attached the letters below concerning this dispute. I am sending you this dispute as an internal dispute and an affidavit. I am only allowing XXXX hours for this investigation to take place and following a response on behalf of your companies. I am distressed. It has been 180 days and you have not responded with any verification of original contract documents. This will be the last and final item I will attempt to send out any letters to make you aware that we will be in court sooner than later. I have attached all the documents. I have recorded all the documents, phone calls, and certified letters Ive sent over to your companies on file so when we appear in court I will be more than estatic to show the judge.

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 2018-02-19 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: FL

Complaint narrative:
I have attached the letters below concerning this dispute. I am sending you this dispute as an internal dispute and an affidavit. I am only allowing XXXX hours for this investigation to take place and following a response on behalf of your companies. I am distressed. It has been 180 days and you have not responded with any verification of original contract documents. This will be the last and final item I will attempt to send out any letters to make you aware that we will be in court sooner than later. I have attached all the documents. I have recorded all the documents, phone calls, and certified letters Ive sent over to your companies on file so when we appear in court I will be more than estatic to show the judge.

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 2018-02-19 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: Exeter Finance, LLC.
State: PA

Complaint narrative:
On XX/XX/2017 I never gave permission to that company to check my XXXX XXXX, And they did Hard inquiries XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 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: STEWARD FINANCIAL SERVICES LLC
State: PA

Complaint narrative:
On XX/XX/2017 I never gave permission to that company to check my credit score, And they did Hard inquiries XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Untimely response
Consumer complaint received 2018-02-19 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX I report XXXX of my creditors information was on my report had incorrect information. Experian was missing payments that were done on time from XX/XX/XXXX to XX/XX/XXXX. I contacted XXXX XXXX XXXX and they explain that Experian had a block on my account to report my payments. I explained to them that was not true since my other creditors are submitting the information. 
However, I notice that Experian deleted the creditor from my file. I called on XX/XX/XXXX to inquiry why this account was deleted. The person that work there could not provide a reason. He was suppose to open a case to have it added back with current payments. I do no see any indication on my report that it was done. 

I need help to get my credit report to properly maintain and being accurate. Since they also had old accounts that were XXXX from XXXX Chapter 7 Bankruptcy that took several disputes to finally be updated last week. I am still disputing another account that needs to be deleted and it is staring to be an issue.

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 2018-02-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
As of XX/XX/2017 all student loan debt was paid off with a zero balance remaining. After working to get delinquencies removed I was advised to print of a loan summary detail by a representative from XXXX XXXX XXXX. This report provided online gave a detailed descriptions reflecting XXXX days delinquent and a zero balance on ALL accounts. This report was then submitted to all three credit bureaus resulting in them removing all but XXXX XXXX XXXX of the XXXX agencies. The information provided allowed them to removed the majority except XXXX. The loan summary detailed report provided all accounts I had through XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I own a commercial building and previously banked with PNC. 
My tenant inadvertently sent the rent to PNC bank XXXX, but we had changed banks, closed the PNC accounts, and notified the tenant. 

PNC cashed the checks totaling almost {$7000.00} and held the money for several months. They now claim the funds were returned, but XXXX XXXX, who originally issued the checks, has provided documentation of the cashed checks and the account debits, and has no record of the funds being returned. After 4 months and numerous phone calls emails faxes etc, PNC has still not provided acceptable documentation of the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 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: FC HoldCo LLC
State: PA

Complaint narrative:
On XXXX XXXX, 2017 I never gave permission to that company to check my credit score, And they did Hard inquiries XXXX XXXX XXXX, TX 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 2018-02-19 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: BB&T CORPORATION
State: FL

Complaint narrative:
XX/XX/XXXX purchased a new XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX. They have been doing fraudulent sales tactics and they messed up on the original bill of sales to include my XXXX trade in from XXXX XXXX. I signed paperwork that has XXXX taking Power of Attorney over my trade in. They haven't sent XXXX XXXX the payoff check. I sent in the paperwork to XXXX XXXX showing I traded in the car but they keep harassing me. I'm not responsible for the car. Matter of fact, XXXX is under investigation by the XXXX and Florida XXXX XXXX. They have purposely with held the additional paperwork from XXXX XXXX because XXXX will not refinance the Journey to include the negative equity from the XXXX. That's why XXXX hasn't sent the money to XXXX XXXX. XXXX has doctored up fake application numbers and denial letters. I have a letter from XXXX XXXX congratulating me on my purchase from XXXX XXXX XXXX XXXX XXXX. XXXX has stolen my car from my work and they no longer own the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/2017 I never gave permission to that company to check my credit score, And they did Hard inquiries XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation