vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-19 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I have made several phone calls and send several letters disputing inquiries that I did not authorize. For the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX last letter I send they responded back on XXXX XXXX in which they ignored my letter. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and serious breach of my privacy rights. Equifax has failed to validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature an inquiry in the absence of any such documentation bearing my signature I requested the fraudulent inquiries be immediately deleted from the credit file that is maintained under my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: NC

Complaint narrative:
I made a one time payment with Discover on an old bank account I had in the summer. Discover has been automatically trying to take payments since XX/XX/XXXX. I have been getting charged s return  fee of XXXX for the last 5 months. Discover has not contacted me about this and have n't sent me a letter. My credit score is dropping every month and I did n't know why. Today XX/XX/XXXX is the first day I was told about this fee. I told the rep I was in the process of a home refinance and I need my XXXX statement not to reflect a over the limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I filed bankruptcy, and my 2 year window is up to apply for a mortgage loan. My discharge date was XX/XX/XXXX. all three credit bureaus have the incorrect date in there system, that reads XX/XX/XXXX which is not correct. This has caused me to get turned down by two Lender 's and my credit score has dropped tremendously because of this and this is affecting my way of living. My goal this year was to be in a new home by now i should have been Closing on my new home, but that is not the case. I talked to XXXX over the telephone and they assured me that they had the dates correct on there end. It was very hard to get in contact with XXXX and transunion because they do not have a direct telephone number. I even had a lender to reach out to all three credit bureaus and i signed a authorization form for them to update or take the incorrect date off of my reports and they told my lender that they updated it, so she ran my credit again like a month later and the same thing is just sitting on my report. This really anger 's me because now i have extra family and i stay in this 2 bedroom apartment. Please help us to fix this simple issue. I have uploaded the form that i filled out to send to all three credit bureaus..

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 2017-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I filed bankruptcy, and my 2 year window is up to apply for a mortgage loan. My discharge date was XX/XX/XXXX. all three credit bureaus have the incorrect date in there system, that reads XX/XX/XXXX which is not correct. This has caused me to get turned down by two Lender 's and my credit score has dropped tremendously because of this and this is affecting my way of living. My goal this year was to be in a new home by now i should have been Closing on my new home, but that is not the case. I talked to Experian over the telephone and they assured me that they had the dates correct on there end. It was very hard to get in contact with XXXX and XXXX because they do not have a direct telephone number. I even had a lender to reach out to all three credit bureaus and i signed a authorization form for them to update or take the incorrect date off of my reports and they told my lender that they updated it, so she ran my credit again like a month later and the same thing is just sitting on my report. This really anger 's me because now i have extra family and i stay in this 2 bedroom apartment. Please help us to fix this simple issue. I have uploaded the form that i filled out to send to all three credit bureaus..

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 2017-12-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received a pre qualified offer streamline refi offer from chase bank ... I called, applied. They said my application was good. The next day I received overnighted docs.. I signed them, returned them in a prepaid XXXX. A week later my XXXX called said that method of sending docs ( does n't work ) and that I had to fax them directly. I was out of town, so I faxed the docs when I returned on XXXX XXXX. ( App was taken on XXXX XXXX ). I heard nothing. Then on the XXXX of XXXX I emailed to get status. On XXXX I got a reply stating application was withdrawn due to the lack of submitting documents, even though I submitted twice!!!!! XXXX refuses to help me any further, and said I needed to wait for the next offer and reapply again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 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: AZ

Complaint narrative:
I was the victim of Transunions service error. I have contacted customer service and they refuse to remove the inquiries that were added to my credit without my permission. 

XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XXXX XXXX 2017XXXXXXXX on XXXX promised to mail me a set of XXXX pins. I sent her : {$33.00} of my PayPal balance and {$69.00} to pay for it all. She never shipped my pins and is a scammer. I talked to other people on XXXX who were scammed too. I reported this to PayPal and PayPal did not give me my money back. I want my money back. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I used my USAA account both checking and savings cards to withdraw money at XXXX XXXX Bank. I was able to withdraw {$600.00} from my checking account. I attempted to withdraw XXXX from savings using a separate card from USAA at the same XXXX atm minutes apart. I could hear the ATM machine counting the cash for the savings withdrawal, the ATM never dispensed the cash from the savings. The ATM machine screen said oops we 've experienced technical difficulties unable 2 complete your transaction. Nonetheless {$500.00} was debited from my savings account that I never received. I filed a complaint with USAA and they said XXXX looked at the video and I took cash. I never received cash from the savings withdrawal. There should have been two desperate withdrawals of cash not one. I feel I have been robbed {$500.00}. Neither USAA or XXXX will help me. I 've been robbed of {$500.00}. All they have to do is look at the video and see I only took cash from my first withdrawl from my checking account. No money was dispensed from the savings account which used a separate card from the checking. {$500.00} disappeared electronically Into Thin Air. Please help me deal with these banking corporations who have robbed from me and refused to look into the problem and correct it. USAA says it 's XXXX XXXX problem and XXXX XXXX says it 's USAA. Again please help they robbed me at Christmas time and I do n't know what else to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I had a Walmart card and this is the credit card is trying to destroy my credit. I have tried consistently to work with XXXX XXXX every month I get a 30 day late alert. First it was XXXX. Then I processed a dispute so XXXX XXXX deleted XXXX and put it for XXXX dropping my score again. I made my payment with rep of {$30.00} and I made it for 3 months. To receive this treatment I feel that this bank it deliberately trying to destroy consumers credit.

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 2017-12-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have send Equifax several letters disputing inquiries that I did not authorize. for the following companies : 1.XXXX XXXX XXXX-XX/XX/XXXX 2.XXXX-XX/XX/XXXX 3.XXXX XXXX-XX/XX/XXXX 4.XXXX XXXX-XX/XX/XXXX I have faxed, called, and send letters disputing these inquiries in which Equifax has did nothing more but ignore my letter, faxes, and disputes all together. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and serious breach of my privacy rights. Equifax has failed to validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature authorizing an inquiry in the absence of any such documentation bearing my signature I requested the fraudulent inquiries be immediately deleted from the credit file that is maintained under my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 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: CA

Complaint narrative:
COLLECTIONS ARE INCORRECT, THE AMOUNT IS PAID TO THE ORIGINAL COMPANY. I DISPUTED WITH CREDIT COMPANIES BUT THEY DIDNT REMOVE FROM MY REPORT. 

1. XXXX XXXX XXXX X/X/2013 {$1300.00} 2. XXXX XXXX XXXX X/X/2013 {$1900.00}

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 2017-12-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
In XX/XX/XXXX, a debt collector contacted me about a loan that i 'd obtained from speedycash in XX/XX/XXXX when i had a XXXX 's checking account. She first off represented herself as a state attorney and said she was going to prosecute me on fraud charges for taking a loan that i had no intentions of paying back. I tried to explain to her that i had discussed my situation at the time with speedycash and XXXX but she was not trying to hear that. She was very obnoxious, rude and disrupted me every time i would try to speak with her. She specifically told me that if i did not have {$1500.00} dollars by XXXX that she was going to send a XXXX county deputy to my house to pick me up. So in the mist of crying and panicking, i called a lawyer but did not follow through with it because i eventually calmed down. By XXXX exactly a man stating that he was a deputy calling from a XXXX county police department number said that i had only 2 options and that i should not hang up the phone in his face. He said that i could either listen to the lady representing herself as a state attorney or i could come and turn myself in or he was going to come pick me up. That ordeal ended with me calling the lady back and asking her for additional time to pay it which she said i did not have. I was very upset! I explained my whole life situation to those people but they still treated me horriblely. I have also recieved an email from a gentlemen from speedycash on XX/XX/XXXX.  The details of that email will be enclosed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 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: CA

Complaint narrative:
COLLECTIONS ARE INCORRECT, THE AMOUNT IS PAID TO THE ORIGINAL COMPANY. I DISPUTED WITH CREDIT COMPANIES BUT THEY DIDNT REMOVE FROM MY REPORT. 

1. XXXX XXXX XXXX XX/XX/XXXX {$1300.00} 2. XXXX XXXX XXXX XXXX {$1900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-19 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: NATIONSTAR MORTGAGE LLC
State: IN

Complaint narrative:
As of XXXX XXXX, 2017, there is fraudulent activity being reported on all three credit bureaus with an additional money being taken out, without my consent, and reported fraudulently by Nationstar Mortgage that literally has been added onto my current mortgage loan. I am attaching both copies of XXXX and XXXX credit reports showing the date, increase of over {$140000.00}. I am also in contact with all three credit bureaus to place a freeze on my credit reporting until this urgent and serious matter gets resolved ASAP. I am also attaching where you clearly see the payment history and that my loan was not signed for $ XXXX. 
Clearly ... this appears to be another retaliation from Nationstar due to several complaints that I have filed with the Consumer Finance Protection Agency and the state of Indiana. 
This is a very serious matter and I will be taking as well additional steps to make sure this never happens again to another consumer. I have as well sent a second complaint to the state attorney generals office in Indiana. I am asking this to be handled ASAP. 
Sincerely, XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unlimited Progress Corp
State: IL

Complaint narrative:
I disputed a debt collection of {$690.00} which was sent to me from XXXX XXXX & XXXX inXX/XX/XXXXand received a responseXX/XX/XXXX stating the item i disputed has been updated, I ASKED for  verification and proof of how this debt belonged to me and received no proof what so ever and this item should be removed from my credit report because it does not belong me to thank u

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 2017-12-19 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: EQUIFAX, INC.
State: WV

Complaint narrative:
On my Equifax report, there are multiple hard inquiries that I do not recall applying for. 4 to be exact. it goes in this order : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX ( this one is also on my XXXX report ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( I 'm not sure what XXXX is ) XXXX XXXX, XXXX I have always been approved for the cards that I apply for. 
I have also had a cell phone financed through XXXX for over a year now, so I do n't know how that ended up on there. 
and XXXX XXXX, I have never heard of this company before.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was dismayed once I looked at my XXXX, XXXX and XXXX credit reports and realized that I was reported as having a late payment on the date below : 30 days past due as of XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this took effect, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.

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 2017-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: HI

Complaint narrative:
In XX/XX/XXXX, an internet friend introduced me to a International crime agent whose name is XXXX XXXX. XXXX said that he can investigate a scammer named XXXX XXXX in XXXX to get him arrested. So I entrust him to do the investigation for me. He said that his initial fee is {$2000.00} and asked me to transfer to his friend named XXXX XXXX of XXXX for me. XXXX XXXX and XXXX XXXX can fly to XXXX to do the investigation. So I transfer the following {$2000.00} to him via XXXX XXXX as follow : Order Date Amount Recipient XXXX : XXXX XX/XX/XXXX {$1000.00} XXXX XXXX, XXXX XXXX : XXXX XX/XX/XXXX {$1000.00} XXXX XXXX, XXXX  After I sent the money to them, they just gave me a faked story and then disappeared. I immediately ask for a refund, and then did not contact me anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 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: IN

Complaint narrative:
As of XXXX XXXX, 2017, there is fraudulent activity being reported on all three credit bureaus with an additional money being taken out, without my consent, and reported fraudulently by XXXX XXXX that literally has been added onto my current mortgage loan. I am attaching both copies of Transunion and XXXX credit reports showing the date, increase of over {$140000.00}. I am also in contact with all three credit bureaus to place a freeze on my credit reporting until this urgent and serious matter gets resolved ASAP. I am also attaching where you clearly see the payment history and that my loan was not signed for $ 271,000+. 
Clearly ... this appears to be another retaliation from XXXX due to several complaints that I have filed with the XXXX XXXX XXXX XXXX and the state of Indiana. 
This is a very serious matter and I will be taking as well additional steps to make sure this never happens again to another consumer. I have as well sent a second complaint to the state attorney generals office in Indiana. I am asking this to be handled ASAP. 
Sincerely, 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 2017-12-19 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: IN

Complaint narrative:
As of XXXX XXXX, 2017, there is fraudulent activity being reported on all three credit bureaus with an additional money being taken out, without my consent, and reported fraudulently by XXXX XXXX that literally has been added onto my current mortgage loan. I am attaching both copies of XXXX and XXXX credit reports showing the date, increase of over {$140000.00}. I am also in contact with all three credit bureaus to place a freeze on my credit reporting until this urgent and serious matter gets resolved ASAP. I am also attaching where you clearly see the payment history and that my loan was not signed for $ 271,000+. 
Clearly ... this appears to be another retaliation from XXXX due to several complaints that I have filed with the Consumer Finance Protection Agency and the state of Indiana. 
This is a very serious matter and I will be taking as well additional steps to make sure this never happens again to another consumer. I have as well sent a second complaint to the state attorney generals office in Indiana. I am asking this to be handled ASAP. 
Sincerely, 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