vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA

Complaint narrative:
Really dont know who is this bank, is. And if this was my account and don't remember it's very old and want it off my credit report, over 20 years old

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 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: VA

Complaint narrative:
I never authorized this companies to obtain a copy of my credit report. I disputed this with company and credit bureau with no response. I want to see the application signed by me which should be on file. This violates the Fair Credit Reporting Act. These inquiries need to be removed or show me where I authorized these companies to obtain my credit report. The credit bureau 's need to remove the following inquiries : XXXX/XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX I never authorized any of these companies to obtain a copy of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau Financial Services, Inc.
State: MT

Complaint narrative:
I disputed these items back in XX/XX/XXXX. The CFPB sent me 2 emails apologizing for the XXXX XXXX XXXX not responding in an appropriate time. You ( CFPB ) threatened to take action, so instead, in XX/XX/XXXX XXXX XXXX XXXX said that my Dispute was frivolous and unfounded. It is not my debt and when I Disputed all 3 of these again in XX/XX/XXXX through XXXX, they removed 2 of the 3 because they couldn't back up the information. I have Disputed now again after XXXX reports the inaccuracies yet again. This is getting ridiculously redundant and all parties involved now are purposely ruining my Credit and my Name! I want this matter resolved ASAP, the  remaining account that is charged off is too be removed in XX/XX/XXXX/XX/XX/XXXX XXXX   removed 2 of these items in XX/XX/XXXX and now has put them back. I see no other way of looking at this but that these companies are directly sabotaging my Credit Reports. These need to be removed immediately and my scores adjusted accordingly. 

Thank you for your immediate attention to this matter.

Company response to consumer: Untimely response
Consumer complaint received 2018-04-25 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: Westlake Services, LLC
State: VA

Complaint narrative:
My account is not being reported correctly. It shows my account as open with XXXX when this has in fact been paid in full. Also none of the balances are reported correctly, each credit agency is showing completely different payment dates and details. This information cant be reported accurately if it isnt matching on all three credit reporting agencies data. Correct information should match on all reports. I am attaching a letter that claims you have researched and are showing information is being reported accurately which is false. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : AUTOMOBILE Date Updated : XX/XX/XXXX Payment Received : {$300.00} Last Payment Made : : XX/XX/XXXX Pay Status : Current ; Paid or Paying as Agreed Terms : {$280.00} per month, paid Monthly for 23 months Maximum Delinquency of 30 days in XX/XX/XXXX and in XX/XX/XXXX for {$280.00} High Balance : High balance of {$4800.00} from XX/XX/XXXX to XX/XX/XXXX ; {$4800.00} from XX/XX/XXXX to XX/XX/XXXX ; {$4800.00} from XX/XX/XXXX to XX/XX/XXXX ; {$4800.00} from XX/XX/XXXX to 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 2018-04-25 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: VA

Complaint narrative:
I never authorized this companies to obtain a copy of my credit report. I disputed this with company and credit bureau with no response. I want to see the application signed by me which should be on file. This violates the Fair Credit Reporting Act. These inquiries need to be removed or show me where I authorized these companies to obtain my credit report. The credit bureau 's need to remove the following inquiries : XXXX XXXX. XX/XX/2017 XXXX XXXX. XX/XX/2017 XXXX XXXX XXXX. XX/XX/2017 XXXX/XXXX. XX/XX/2017 I never authorized these companies to obtain a copy of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
The company closed my account without an explanation as to why but a letter to me stating that they had the right to close my account and they did. I made a complaint to CFPB and they responded that my account had been reinstated as of XX/XX/2018. As of now XX/XX/2018, the account is still closed. I have tried to reach the contact on the letter that was sent claiming the account had been reinstated a few times to no avail. Several messages have been left but no response and the account still closed.

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 2018-04-25 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: VA

Complaint narrative:
I never authorized this company to obtain a copy of my credit report. I disputed this with company and credit bureau with no response. I want to see the application signed by me which should be on file. This violates the Fair Credit Reporting Act. These inquiries need to be removed or show me where I authorized these companies to obtain my credit report. The credit bureau 's need to remove the following inquiry : XXXX XXXX XXXX. XX/XX/2018. I never authorized this company to obtain a copy of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I recently opened an account with TD bank and would like to notify your agency of what i believe to be a malicious and financially crippling process TD has instituted on its consumers unlike any other bank Ive experienced. TD now has a rule that they will accept pending transactions not manually processed at any point in day monday to Sunday but will not credit deposits in the same manner causing SIGNIFICANT overdrafts to customers even if funds are directed on the same business day. As a business owner sometime i have unexpected expenses that hit the account but will immediately transfer or post a deposit to resolve but TD will hit me with a {$35.00} fee even if funds are resolved that day setting off over drafts of multiple items after by setting priority to debits and not credits. In 60 days i have endured {$490.00} in fees that are completely unaffordable and can only imagine the hardship this causes for other individuals with not as much income as me. Im just paying TD to do what any normal bank does at close of business. This is absolutely malicious and unbelievable actions by a bank. My understanding is this process is new. Please assist, i cant afford to continue on like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 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: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
TD Auto Finance has done a hard inquiry on my without my authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
I worked in XXXX XXXX for 19 years. I was told that the remaining balances on my student loan would be forgiven last year due to my duties in XXXX XXXX. This did not occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I booked a round trip flight from New York to XXXX, with a layover in XXXX both ways, using my Chase Sapphire Reserve Ultimate Rewards Points. On XXXX XXXX, I departed for XXXX. When I arrived in XXXX on XXXX XXXX, I went to check in for my flight to XXXX. The airport staff informed me that this flight was cancelled months ago. I was left in XXXX with nowhere to stay and no information on a rebooked flight. It was a very upsetting experience, to say the least. 

I called Chase customer service on XXXX XXXX to try to work out this problem. The customer service agent informed me that she was aware of my cancelled flight. However, Chase never informed me the traveler that my flight was cancelled months ago. They withheld critical travel information from me, and would not help me rebook a flight. 

I had to work with XXXX XXXX through their XXXX customer service to get rebooked on a new flight. XXXX XXXX also told me that they informed my travel agent Chase that this flight was cancelled months ago. 

The new flight was in a separate airport, so I was forced to pay {$37.00} to take a bus to the other airport to take my next flight. I also was forced to experience an unexpected 9-hour layover, causing me to miss the first afternoon of my vacation at the destination. Overall, this was an extremely poor experience because of poor communication from Chase. 

On XXXX, I began emailing and calling the Chase hotline. A manager informed me that the bank would reimburse the bus fair by check. They said they would call me back in the next few days to confirm. 

They never called me back. 

I called back again 3 more times that montheach time, they told me the check would be there soon, in no more than 4-6 weeks. 

It is now XXXX. XXXX. I have been speaking with Chase on XXXX to try to resolve this issue and they are telling me I have to wait another 4-6 weeks to get this check.

It has been MONTHS. All I want is a check for this money, or even a {$37.00} refund on my account. I dont feel that I am asking too much, but I am being given a huge runaround from the bank. I actually feel really sad as a Chase customer right now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Informative Research
State: GA

Complaint narrative:
I dont know who this company is, and if i did its over 20 years old want it off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 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: NC

Complaint narrative:
XXXX XXXX .... {$300.00} ... XXXX XX/XX/XXXX ... .Please provide original documentation from this company or parent company where I allegedly signed or e-signed asking for a credit account. It has been multiple times explaining that this was not me. Original documentation has not been sent yet. Please do not send copies of a bill I explaining that my identity was compromised XXXX   XXXX XXXX .... {$300.00} ... XXXX XX/XX/XXXX ... .Please provide original documentation from this company or parent company where I allegedly signed or e-signed asking for a credit account. It has been multiple times explaining that this was not me. Original documentation has not been sent yet. Please do not send copies of a bill I explaining that my identity was compromised XXXX   XXXX XXXX  .... {$300.00} ... XXXX. XX/XX/XXXX ... .Please provide original documentation from this company or parent company where I allegedly signed or e-signed asking for a credit account. It has been multiple times explaining that this was not me. Original documentation has not been sent yet. Please do not send copies of a bill I explaining that my identity was compromised XXXX XXXX, XXXX ... XXXX XXXX XXXX XXXX ... XXXX {$430.00} ... .I am a XXXX XXXX XXXX veteran, all of my care is FREE from the V.A. Clinic. There is no reason for me to go to a private urgent care clinic. Please provide original documentation from this company or parent company where I allegedly signed or e-signed when i was seen. Please do not send copies of a bill I explaining that my identity was compromised. 

XXXX XXXX XXXX XXXX .... {$670.00} ... .XX/XX/XXXX ... .I have had XXXX XXXX for years. Please provide original documentation from this company or parent company where I allegedly signed or e-signed asking for a cable account. Please do not send copies of a bill I explaining that my identity was compromised. 


UNKNOWN INQUIRIES ACCESS/XXXX ... .XX/XX/XXXX ... .I did not give permission for this company to run inquiries on my credit report. Please provide dates and times where I gave permission to run a hard inquiry on me. Please provide original documentation from this company or parent company where I allegedly signed or e-signed asking for inquiries to be done. 

XXXX/XXXX  ... ..XX/XX/XXXX ... .I did not give permission for this company to run inquiries on my credit report. Please provide dates and times where I gave permission to run a hard inquiry on me. Please provide original documentation from this company or parent company where I allegedly signed or e-signed asking for inquiries to be done.

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 2018-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: GA

Complaint narrative:
I want this off my credit report, I don't know who these people are, I never Finance nothing in my life

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Wells Fargo has made it incredibly annoying when trying to pay a credit card payment. I called in to make a payment with a debit card and was told that to use my debit card I would also need to provide my routing and account number. I don't have access to this information and I know there are plenty of other people out there who also don't carry this stuff around with them. I want to make a payment with a debit card but I can't because to use a debit card they want ACH information. This seems strange especially since debit cards are often used to avoid giving out routing and account number. This is incredibly frustrating.

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 2018-04-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: ME

Complaint narrative:
On XX/XX/2018 we contacted XXXX 's XXXX about a past due bill. They directed us to Transworld System. We called and asked what was the amount we needed to pay to pay this account in full. We were told to pay {$660.00} to pay this account in full, that they could waive a {$100.00} off. We gave our credit card info and paid the amount. Not more than 10 minutes later, the representative called us back and stated that she did not have the authority to waive the {$100.00} and our account was NOT paid in full and we needed to pay it. I asked to speak to a supervisor and was put in touch with XXXX XXXX collections supervisor. I stated that I thought it was illegal to tell us the account was paid in full and then to call back and demand more money. When I threatened to file a complaint she said that the money would be waived. Now I find that she did not waive the XXXX and that our credit bureau account reflects that we failed to pay in full. When I called on XX/XX/XXXX looking for the letter that was promised, I was told the account was paid in full and the letter was on it's way. Today, I checked our credit and find that they lied and we still owe the {$100.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I received a response letter dated XX/XX/18 back from Experian, stating that the bankruptcy was verified through XXXX and that it is accurate, XXXX has deleted bankruptcy from my account, as well as XXXX. The bankruptcy courts do not report to the credit bureaus, and I also sent documentation of this as well

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 2018-04-25 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:
The credit reporting agency is reporting XXXX XXXX on my credit report this is not my 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 non-monetary relief
Consumer complaint received 2018-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: IA

Complaint narrative:
PNC BANK, I received an escrow account disclosure statement indicating my escrow account is short {$7500.00}, comprised of XXXX that it was permitted to run short in XXXX w/out notice to us. This added to the {$3300.00} anticipated shortage in the coming year for XXXX makes up the total shortage amount. This is increasing our payment 66 % of its prior monthly payment amount. This is a big impact to our ability to repay our mortgage especially since my husband is going XXXX XXXX XX/XX/XXXX which will further reduce our monthly income. I do not feel PNC properly assessed the real estate tax figure needed last year when performing the escrow analysis at that time, it appears they were using the land assessed taxes only and not basing it on the actual assessed value after construction completion and the sale. I am dissapointed the account was able to go {$4200.00} negative w/out any notification to me as a consumer. Why are these not treated like a debt collection immediately and the consumer notified timely. My biggest question to the CFPB is why is there no notification to consumers when the escrow account begins to go negative by the lender, why is it allowed to go so far into the hole and we are expected to catch it up w/ in 12mo in addition to the resulting increase for the existing 12mo. I feel this is a fatal flaw that needs resolved immediately for consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 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: HUNTINGTON NATIONAL BANK, THE
State: TN

Complaint narrative:
Hard Inquiry that the company had no Authorization to do

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 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:
The credit reporting agency is reporting XXXX XXXX on my credit report this is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 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:
The credit reporting agency is reporting XXXX XXXX  on my credit report this is not my 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 2018-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I used to bank with bank of America 15 years ago, someone must have got a hold to my personal information. Because I do not owe them only closed my account with them thats it. And im calling them to tell them and they are not sharing no information with me that is so crazy, thats why a lot of people are leaving 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 explanation