vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-15 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 XX/XX/2018, XXXX XXXX. pulled my credit report without my permission. I tried and tried to resolve this issue with TransUnion and XXXX XXXX. but they are blaming each other but not resolving the issue of removing the inquiry. The dealership also tried to reach out to them about this unauthorized inquiry but they never responded. Attached is a copy of the letter from the dealership stating that the unauthorized inquiry is done without my permission. They allowed one of my family member fill out a application with my name, social security number and date of birth without my authorization and Driver License.

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 2018-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a checking/savings account package with Citi Bank through a promotional offer. The offer was that if I maintained a combined balance of {$15000.00} for 60 days, Citi Bank would give me {$400.00} within 90 days after the 60 day balance requirement was met. 

I opened my account in XX/XX/2018. The {$15000.00} balance requirement was fulfilled on XX/XX/2018. 60 day requirement was met two months later in XX/XX/2018. 90 days had passed in XX/XX/2018. I called Citi Bank as I had still not received the bonus. The customer service representative could not help me. I tried the chat service. All the customer service representative just repeated what the promotional offer was but the issue was not resolved. Both of the customer service representatives had no updates and had no information to resolve the issue. The representatives told me to continue waiting additional days on top of the 90 days I already waited. 

Citi Bank shows no urgency or respect for my time, nor do they show that they care that they are misleading their new customers with a false advertisement promotion.

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 2018-12-15 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: BB&T CORPORATION
State: FL

Complaint narrative:
On XX/XX/2018, Regional Acc. pulled my credit report without my permission. I tried and tried to resolve this issue with XXXX and Regional Acc. but they are blaming each other but not resolving the issue of removing the inquiry. The dealership also tried to reach out to them about this unauthorized inquiry but they never responded. Attached is a copy of the letter from the dealership stating that the unauthorized inquiry is done without my permission. They allowed one of my family member fill out a application with my name, social security number and date of birth without my authorization and Driver License.

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 2018-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Sallie Mae performed a inquiry without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I contacted transunion about a bankruptcy on my report, and asked for verification and validation, using the address they listed on my credit report, the mail was RETURNED, indicating a wrong address and inaccurate reporting. 

All of my correspondence was sent CERRTIFIED. I informed transunion of their inaccurate reporting and asked for a deletion. They responded to me stating they verified via XXXX and the listing will REMAIN, ( But They  changed the Bankruptcy court to the CORRECT address now- go figure. XXXX is NOT the furnisher of the information, in which they tried to pass it off as so. 


ALSO - and most importantly, I have attached a letter from the court, stating, THEY DO NOT REPORT to the credit bureaus. This is a clear violation of my consumer rights and is actionable. 

I have attached a copy of my certified correspondences in which, i asked for validation, notice the dates of the reports ( they changed the address of the furnisher, instead of admitting their mistake and granting a deletion ). 


Nevertheless, the letter from court should trump it all!!! 


PS_ I AM HAVING PROBLEMS DOWNLOADING ATTACHMENTS< but will try and input afterwards

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 2018-12-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Mortgage fraud and unfair business practice against Select Portfolio. On XX/XX/XXXX, Select Portfolio sent a letter stating to contact them for Mortgage Assistance and resolution. I contacted Select Portfolio and they stated there's no options available and that the Mortgage issue has been referred to an Attorney for Foreclosure. 

Select Portfolio and XXXX XXXX  has committed Mortgage Fraud. XXXX is still the Lender of my Mortgage loan. Select Portfolio stated they are not the decisoin makers, XXXX XXXX  is the decision maker. This method is very unfair and XXXX is not in compliance in allowing me the opportunity to address my mortgage balance of {$84000.00}. XXXX sold my mortgage as a bond to Select Portfolio for {$240000.00}. My issue is XXXX is doing the same mortgage fraud they were fined by the US Government. XXXX is shielding all responsibility of my mortgage issues through Select Portfolio. 

Please add my name to both the two Class Actions suits against XXXX and Select Portfolio. Select Portfolio refuses to resolve this issue. It is time for the Consumer Financial Protection Bureau to fine both of these Mortgage Companies. XXXX was given the Bail out money to assist me in the HARP but has failed to do this. I was given a 36 months fixed 1 percent for Military Assistance program since XX/XX/XXXX through XX/XX/XXXX. XXXX and Select Portfolio is not taking responsiblities for their wrong doing. 

The Georgia State Attorney General advise me to submit a Mortgage fraud suit and to hire an attorney to sue both companies. 

Select Portfolio told me tonight they are not willing to assist me in this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 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: AL

Complaint narrative:
I have reach out to transunion about a account thats showing up on my credit report with someone else name on its not my information I ask them to delete it and they still wont delete 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 2018-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: NC

Complaint narrative:
As of XX/XX/2018 HUNTERS WARFIELD KEEP INCREASING AND DECREASING A DEBT THAT DOESNT BELONG TO ME.. ACCORDING TO THE FCRA INCREASING AN AMOUNT THAT HAS ALREADY BEEN REPORTED YOU CANT INCREASE AND DECREASE BY {$1.00} TO {$2.00} DOLLARS EVERY WEEK OR MONTH WHICH DAMAGES AND HARASSING SOMEONES CREDIT ITS NOT RIGHT ITS A VIOLATION UNDER THE FCRA. THIS MUST AND SHOULD BE REMOVED FOR INACCURACIES UNDER SECTION 609.

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 2018-12-15 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
security credit services placed a collection account on all three of my reports and at first had the date and amounts wrong, I disputed this and it was changed but the original creditor had been deleted a couple years prior, then just this year this collection co. appeared, I have demanded that they be deleted but havent been as of today. This account would be 6 years old today by the original creditor, I cant see what the collection agency has listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Wilber and Associates, P.C.
State: GA

Complaint narrative:
4 months ago i was in an car accident and afterwards I started receiving calls 1 month later. The calls states that they would have me arrested, suspend my license if i didn't pay. I disputed it but the final straw was they were sending someone to arrest me if i didnt agree to payment arrangements. I only did it because I thought I was going to jail. I do not owe them any money but paid until i found out that i'm not the only person they've zone this to. I do not owe them anything. And i signed and made payments under the impression that they could have me arressted. They also said my license were suspended even made me get SR22 insurance and i have recorded phones of all their THREATS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NC

Complaint narrative:
My Chapter XXXX ( originally a Chapter XXXX but later converted ) was discharged on XX/XX/2018 ( see attached Bankruptcy Court Order of Discharge ). I am still unable to view my student loan accounts online through Nelnet 's website. I keep getting a message saying because of the status of my account to call their customer service number. I have and they keep telling me their bankruptcy department is not going to do anything about it. 

If CFPB is unable to resolve this issue, I will file formal to the US Department of Education through my Congressman 's Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
On XX/XX/2018 I submitted a complaint against XXXX XXXX XXXX   XXXX for a debt that was not verified. The company responded stating they had sent debt verification and the debt was valid. As of this date, I still have not received validation of the debt other than an invoice received, on their letterhead, showing the amount due. I have received no copies of the original invoices, no proof that the company is legally entitled to collect the debt, no proof that the company is contractually able to collect the debt on behalf of the original creditor, nor proof that the debt belongs to me. The company continues to falsely claim that they have met their oblications under the FDCPA.

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 2018-12-15 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My XXXX/ wells Fargo account was late due to military obligations. I told them my account had changed and I was in an area without any communication which resulted in those unforeseen late payments. They denied me late removals and closed my account. I am still paying and trying to resolve this issue without luck as of now.

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 2018-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
I have a charge off on my credit due to a fraudulent auto loan on my credit reports. I have never applied nor submitted any info to obtain this loan. I did not authorize nor co-sign for anyone else to do so on my behalf. I have been battling back and forth with this issue with the debt collector for some time now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: OR

Complaint narrative:
XXXX XXXX XXXX has erroneously reported a collection to multiple CRA 's for a debt that is not mine, furthermore ERC reported this collection without contacting me, notify me of my right under the FDCPA or verifying the debt. 

ERC has caused material damage to my credit standing, reports, and scores, directly impacting my ability to obtain credit by reporting a debt that is not mine without any validation. 

The reported account numbers do not match account numbers I have ever had with XXXX, notwithstanding the fact that the account I had several years ago with XXXX  was pre paid and had no possibility to incur charges beyond the pre paid balance of the accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: NC

Complaint narrative:
I have recently moved from Ohio to North Carolina and bank with Huntington. On XX/XX/XXXX I made a mobile deposit of XXXX from a check from XXXX XXXX. The mobile site on Huntington stated my funds would be available next business day. However they were not. I needed to make another check deposit of XXXX. So I mobile deposited XXXX on XX/XX/XXXX. I called the bank to confim access to my funds but they stated they had to put a hold on my account due to the suspicion of fraud. No one would and could tell me anything else other than I was locked out of my account and wouldnt have access to anything until the following week once everything was cleared. Knowing this I told the representative that I would have to put a stop payment on the second check so that I could have cash available to me since I did not have another bank in my new state. It is now XX/XX/XXXX and my bank still has yet to unlock access to my account I can not see anything online nor use my debit card. I am now being told they are going to close my account due to risk but that is all they will tell me and once it is cleared they will mail me a cashiers check with the money in my account. I attempted to update my address with them over the phone since I did not have access to my account and they are unable to do that as well. My problem is the lack of communication to resolve the problem when me the consumer has done nothing wrong! I need help and I need this to be known that I am putting up a fight because Huntington has not done its job to protect the customer and only penalized me for something that is beyond my control. The check is not fraudulent and the understanding that my friend was putting a stop payment so I would have access to some cash should not be a reason to penalize a customer of 10 years. To top all of this off every day I made a phone call to see the updated status of my account and every rep. was rude and told me a different story of why and when my account would be available.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
We own our home at XXXX XXXX XXXX XXXX XXXX CA XXXX. We think there is something wrong with these mortgages because we keep being told they have XXXX Balances. We don't know who is the responsible party whom we need to communicate with about our requests. Is it XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX or XXXX XXXX, the Certificate Holders OF THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, MORTGAGE PASS THROUGH CERTIFICATES, SERIES XXXX. XXXX XXXX XXXX WAS THE ORIGINAL LENDER.

MIN # XXXX. I would like request a quick claim deed or full reconveyance of both mortgages. XXXX XXXX  or XXXX XXXX? If we don't owe any money can we please request a reconveyance for the first and second mortgage? Also XXXX has informed us that our mortgage has been transferred out of the system and the last know Servicer is XXXX XXXX XXXX. In XX/XX/2012 XXXX XXXX XXXX did something to release these mortgages?

We would like to know if XXXX XXXX is still the Trustee of the above pass through certificates, and so have these certificates been liquidated, sold, charged off, or forgiven, or included in the mortgage bail out by the Federal Government?

I would like proof that we no longer are responsible for these charged off mortgage loans. We would like a full accounting of monies received from all servicers associated with our mortgages paid to the investors of the Pass Through Certificates, series XXXX that pertains to this single family residence, and XXXX XXXX.

As a protected XXXX XXXX XXXX   Veteran I would like to request a full reconveyance of the first and second mortgage.

We would also like to request to the responsible party the correction of any recorded documents this pertain to this mortgage.

I just want to clean up this situation. Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
The company I am having an issue with is XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, CA XXXX I moved out of my apartment in XX/XX/2018, with one month of my lease remaining. I was unable to pay my rent, and after receiving a pay or quit I chose to quit. I cleaned the apartment and left.

They kept my all {$1300.00} deposit, which was the two months rent I owed, and then sent me to collections with a company called IQ DATA INTERNATIONAL for over {$8000.00} of random and unitemized fees around XX/XX/2018. 

They are currently not answering my calls and have blocked my online access to the lease I have with them. This is preventing me from gathering the information I need to properly dispute the claim. 

I have disputed the claim with all three major credit reports, XXXX, XXXX and XXXX during the month of XX/XX/2018. 

At the moment this issue is preventing me from being able to pass a credit check and move into a new home. 

XXXX  is claiming I still owe the debt but there is no documentation of what it is for or why I owe it. I am still waiting to hear back from the other two credit unions, but I am hoping you can help me resolve this issue before I need to spend money I do not have on a lawyer I can not afford.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I sent paycheck stubs to Wells Fargo indicating that I make {$4600.00} and they said that I don't have enough to cover the payment and the arrears amount.

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 2018-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MI

Complaint narrative:
I have a debt listed on my credit reports that I have no knowledge of. The collection agency is unknown and the original debtor is pretty vague. It does not give any details to what type of account nor does it specify any remarks. This debt is not mines.

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 2018-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was shopping at a XXXX  XXXX  store in XXXX, CA on XX/XX/XXXX evening. Then I remembered I should update my address on my XXXX  XXXX  credit card. So, I went to the front desk and asked for address to be changed. Store personnel asked for SSN to look me up. Then she applied for a new card without my knowing while lying to me that if I update my address I will receive a new spare card as well. That sounded odd and then she continued to print me a card receipt all of a sudden. I should have caught on to her act when the screen asked for my income, but she kept saying I had to update all my information. It appeared she thought I wouldn't understand the situation as she most likely assumed English was not my first language. Now I have 2 XXXX  XXXX  cards in my hand and this is all just upsetting how blantantly unethical clerk was as well as a store manager who didn't seem to believe me.

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