vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-11 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:
On or around XXXX XXXX, 2017, I sent a letter asking TransUnion to remove several inquiries because I did not recall authorizing them. They sent a letter back denying my request.

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 2017-11-11 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: WA

Complaint narrative:
XXXX reps will not help me remove an inquiry for a credit card after they canceled the application. 

XXXX website stated I could apply for the card and use it for an order on their website. Today XX/XX/17. Online price expires tomorrow and the XXXX credit card rep told me I could not use it until I received the physical card so I stopped the application. I called another XXXX credit card rep and they told me to talk to XXXX regarding this situation when I asked to have the inquiry removed from my credit or if I could somehow finish the application and use the card. XXXX rep told me it would be fine and I could pay for it now then change the order to the XXXX  card when I received it. 

Called XXXX credit card services to finish the application again and they are telling me it was canceled and that I will have to have ANOTHER inquiry on my report in order to get the card. I 'm requesting that XXXX remove the original inquiry since their rep was not educated enough to help me with my order and made me cancel the application.

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 2017-11-11 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: WA

Complaint narrative:
XXXX reps will not help me remove an inquiry for a credit card after they canceled the application. 

XXXX website stated I could apply for the card and use it for an order on their website. Today XX/XX/17. Online price expires tomorrow and the XXXX credit card rep told me I could not use it until I received the physical card so I stopped the application. I called another XXXX credit card rep and they told me to talk to XXXX regarding this situation when I asked to have the inquiry removed from my credit or if I could somehow finish the application and use the card. XXXX rep told me it would be fine and I could pay for it now then change the order to the XXXX  card when I received it. 

Called XXXX credit card services to finish the application again and they are telling me it was canceled and that I will have to have ANOTHER inquiry on my report in order to get the card. I 'm requesting that XXXX remove the original inquiry since their rep was not educated enough to help me with my order and made me cancel the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11 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: WA

Complaint narrative:
XXXX reps will not help me remove an inquiry for a credit card after they canceled the application. 

XXXX website stated I could apply for the card and use it for an order on their website. Today XX/XX/17. Online price expires tomorrow and the XXXX credit card rep told me I could not use it until I received the physical card so I stopped the application. I called another XXXX credit card rep and they told me to talk to XXXX regarding this situation when I asked to have the inquiry removed from my credit or if I could somehow finish the application and use the card. XXXX rep told me it would be fine and I could pay for it now then change the order to the XXXX  card when I received it. 

Called XXXX credit card services to finish the application again and they are telling me it was canceled and that I will have to have ANOTHER inquiry on my report in order to get the card. I 'm requesting that XXXX remove the original inquiry since their rep was not educated enough to help me with my order and made me cancel the application.

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 2017-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
MACY 'S DSNBVIS XXXX Revolving XXXX A XX/XX/XXXX {$4500.00} {$4000.00} {$4000.00} XX/XX/XXXX CHARGE-OFF {$4000.00} This is not my account. I never open this Macy 's 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 non-monetary relief
Consumer complaint received 2017-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
This account is not mine. It belongs to someone else and I am simply an Authorized User. I have requested 4 times that this account be removed from my credit report. It reports many late payments and is hurting my credit score and keeping me from qualifying for a home mortgage for my family. I am single mom.

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 2017-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: PA

Complaint narrative:
Wrote letter on XXXX-XXXX-2017 to Diversified Consultants that negative item was placed on my credit report without notifying me, which is a clear violation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Advised Diversified Consultants to removed incorrect information off my credit report. More importantly, Diversified Consultants are in violation of FACTA section 623 ( A ) ( 7 ). Never received any correspondence from Diversified Consultants

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11 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: MA

Complaint narrative:
I found a hard inquiry on my TransUnion Credit Report from a company called XXXX XXXX. I never requested credit from this company, there should not have been a hard inquiry. 

This is the information : Dated : XXXX XXXX, 2017 Institution Information XXXX XXXX XXXX, WI 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 2017-11-11 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Credit Report with Experian / XXXX show 90 days late payments for XXXX University student loan. Information was provided by XXXX student loan servicing XXXX university student loans. The period reported as late payments was XX/XX/XXXX / XX/XX/XXXX/ XX/XX/XXXX. During this period I was pursuing my XXXX at @ University XXXX XXXX XXXX. I will graduate in XXXX 2017. XXXX has been requested from XXXX University. To avoid accumulation of interest on my student loans, I have been able making some payments despite being in deferment. This has ruined my ability to buy a house.

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 2017-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX : Closed American Express blue cc account ( ending XXXX ) due to forced arbitration opt out refusal by Company.
XX/XX/XXXX : Requested credit balance of approximately ( keeps changing ) {$90.00} to be refunded. 
Per representative XXXX : refund check to be mailed with in 5 business days.
XX/XX/XXXX : Requested credit balance of approximately ( keeps changing ) {$90.00} to be refunded again. 
Per representative XXXX : refund check was mailed, but will be mailed again with in 5 business days.
XX/XX/XXXX : Filed complaint with CFPB. XXXX must be hurting for cash funds, if they hold on to closed account fund fraudulently for so long. Maybe this complaint will speed up things and prevent other customers from being exposed to these pretetory business practices. 
Thank you for your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NM

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX Cardinal Financial processed our close of impound account request. 
XX/XX/XXXX Cardinal Financial issued a refund check for {$1200.00}. 
During our move we misplaced this check. 
On XX/XX/XXXX I found the missing check.
On XX/XX/XXXX I called Cardinal Financial and they requested that I send them the check back to Cardinal Financial and they would send a replacement check. 
Each month starting in XX/XX/XXXX I have called to find out why I have not recieved the replacement check. Every time I get the same answer " I do n't know what happened. I will issue you a new check today. It will be in the mail by tomarrow. The replacement check has yet to arrive.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
My mortgage was acquired by GreenTree/Ditech financial.nearly 3 years ago. Shortly after it was acquired they proceeded to modify terms of it even though I had gotten a letter that stated that nothing would be changed in terms of my 1999 loan. First the stopped applying excess funds to my loan balance and told me it was their policy to do it. Then they told me that they were going to start escrowing my account even though I have never had one to make it easier to resell and continue serving loan. This not only added escrow fees but gave them free loan of funds to use. I refused to agree and continued paying my taxes myself and paying mortgage. They stopped applying funds to my mortgage some time ago and placed them in escrow or somewhere else and withheld thousands from loan payment and run up late fees, extra interest and damaged credit to make it impossible to refinance loan. Talking to them about it is a waste of effort. I can documentment all payments sent to them in a timely manor. Concerned I could possibly loose house

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX on my XXXX XXXX credit card was canceled. I received a letter from XXXX verifying the cancellation. XXXX XXXX XXXX were charged to my account on 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 2017-11-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
On XXXX XXXX, XXXX I made XXXX principal payments against my HELOC. One of the payments, which is the cause of this complaint, was made with a XXXX XXXX Bank issued cashiers ' check in the amount of {$12000.00} ; Sun Trust received, processed and sent a confirmation letter dated XXXX XXXX XXXX. Shortly thereafter I called to get a payoff balance and was informed that the {$12000.00} payment had been reversed but could not give me a reason why. For the next several weeks, I called every department and spoke to numerous representatives including XXXX XXXX a XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and many others to no avail. I finally contacted XXXX XXXX XXXX XXXX XXXX XXXX office and spoke to XXXX XXXX. After several days, I called back and was instructed by XXXX XXXX to go back with a copy of the cashiers check to a specific teller whom she made aware of my plight and she would correctly process my payment. During the course of events leading up to the conclusion, I was assured that the interest would adjusted retroactive to the initial deposit date and be reflected on my new principal balance. Several day after the payment was processed, I called back in and confirmed that the payment was applied but was told by the telephone rep that Sun Trust does not adjust interest regardless of bank error. I informed her to read the notes where I was promised that Sun Trust would make the adjustment and she simply disregarded my request. Please request a transcript of all my phone conversations as well a copy of the notes and you will find multiple entries where the matter of adjusting the interest retroactive was addressed and committed to by Sun Trust Representatives. My hopes in filing this complaint is that the CFPB will call for a complete audit of my HELOC account with Sun Trust as I have made numerous principal payments and this incident now brings into question the possibilities of misappropriated payments. Thank you for your prompt attention to this matter and look forward to hearing from someone at the CFPB.

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 2017-11-11 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: TX

Complaint narrative:
XXXX XXXX, XXXX UPDATE : Attached is EQUIFAX involvement " in whole or in part '' with this matter in a letter sent from XXXX XXXX. to the consumer ( me ). EQUIFAX is being used a scapegoat/diversion/cover-up for the malicious activity that happened to me and for what is potentially happening to other unsuspecting citizens/civilians/consumer of XXXX XXXX. services. There is XXXX on my EQUIFAX consumer credit report to dispute ... This continues/appears to be a matter of collusion and suspicious/malicious intent on behalf of XXXX XXXX. What EQUIFAX information was used to reduce my credit line??? My EQUIFAX consumer credit score XXXX over XXXX ) during the time this incident happened is attached to this complaint. After paying down debt to reduce my debt to credit ratio, XXXX XXXX. reduced my consumer credit line from {$4000.00} to {$1900.00} causing a debt to credit ratio INCREASE which negatively impacted my consumer credit rating and consumer credit scores with ALL major consumer credit reporting agencies. Up to XXXX XXXX XXXX, my XXXX XXXX. line of credit for my XXXX XXXX credit card was {$4000.00}. On XXXX XXXX, XXXX, 4 days AFTER XXXX XXXX. received my {$2500.00} payment, XXXX XXXX. reduced my XXXX XXXX XXXX Credit Card line of credit to {$1900.00} thus causing my debt to credit ratio to increase from 38 % to 83 %. My XXXX XXXX XXXX consumer credit card credit reporting payment history is immaculate/on time/never late across all three credit reporting bureaus since XXXX/XXXX/XXXX. On XXXX XXXX, XXXX, at approximately XXXX CST, I was told by a XXXX XXXX XXXX Credit Card XXXX representative XXXX XXXXXXXXXXXX XXXX that a " periodic '' account review was done which caused my credit line to be decreased. For the record, my Experian, TransUnion and Equifax XXXX XXXX XXXX scores were HIGHER than they were when I was granted the initial {$4000.00} line of credit - ATTACHED EQUIFAX CREDIT REPORT FROM XXXX XXXX. I received letters from XXXX XXXX. stating their decision was based on information from EQUIFAX ... In addition to consumer concerns with using EQUIFAX given what was transpiring with EQUIFAX during the timeframe of this incident, this is not only false representation it 's also malicious intent at the hands of XXXX XXXX. I am a subscriber to a daily consumer credit monitoring service ( ATTACHED EQUIFAX CREDIT REPORT FROM XXXX XXXX XXXX and there is NOTHING on my EQUIFAX credit report that substantiates the claim from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX 2016 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
SECURITY CREDIT SERVICES XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX ( XXXX ) XXXX This is not my account when I called the company they were very rude and said I needed to pay this or else

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Collections is now on my credit report and they are trying to collect a debt that was paid off by my agreement with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11 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: VA

Complaint narrative:
I filed a complaint against XXXX Credit Card after someone abused a POA and opened a credit card in my name. I submitted the notarized documents ( attached ) proving this was not an account I opened myself. Experian and XXXX both stated they would not reinvestigate this matter, saying I needed to send them the very documents I have sent over on more than 3 times. I am starting to believe that they unlike XXXX are unwilling to accept the military investigation results and the notarized documents obtained during that investigation. I did not open this account and am still being held liable for 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 2017-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I requested a FREEZE on my credit reports in the past week of XXXX XXXX, XXXX and when I called XXXX XXXX at XXXX on XXXX evening, I told them my accounts have a FREEZE on them. I have a pin number that was sent to me, but apparently the FREEZE does not work. I was able to purchase XXXX at the level I chose with the 30 day free promo code. I was unable to call them to fix this because of the long phone queues and no one answers. I know they are under fire from watching XXXX XXXX. If the FREEZE is not going to work, t hen do n't issue a pin number. I always follow up. Trust and verify.

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 2017-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: First Data Corporation
State: MI

Complaint narrative:
XX/XX/XXXX *went to b XXXX XXXX XXXX XXXX to purchase important items for our home. 
TeleCheck refused to honor my check for the purchase three times. 
A supervisor told me the issue was resolved and to go the next day to complete the transaction. 
XX/XX/XXXX * it was denied again approval after being told by TeleCheck four times to go back again to run the check. 
TeleCheck should be placed out of business in authorizing checks personal or commercial. 
To many complaints and is running a Bad Business! 
*XXXX XXXX XXXX should find another way to authorize checks for their clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Immediate Credit Recovery
State: NM

Complaint narrative:
IMMEDIATE CREDIT RECOVERY INC, is listed on my credit report as a derogatory mark. The debt with XXXX XXXX XXXX XXXX has been paid in full, on XXXX 2016. I would like Immediate Credit update there records and remove this from all credit reports.

Company response to consumer: Closed with explanation