vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-31 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: NC

Complaint narrative:
I have several hard inquiries on my credit report I do not recognize, I did not authorize. hard inquiries such as XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX are all unauthorized hard inquiries. 
Fraud alert has been placed on my report twice. One time in XXXX and XXXX. All hard inquiries should be taken off my credit report. Ive sent letters and letters of the law have been sent to all three bureaus. Please remove inquiries from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase failed to disclose that there would be an additional lien on the title of {$42000.00} after paying a extended amount of payments over time of the span of XXXX  to XXXX. 
After XXXX paid each month for 30 years. Stii have to pay additional {$42000.00} to have clear title. 
Did not discover this information till I attempted To refinance the house. 
PREDATORY BEHAVIOR

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am not sure how this works, I was looking over my credit report and I have seen addresses that do not belong to me. My name is XXXX XXXX XXXX my DOB XXXX SS XXXX. My current employer is XXXX XXXX XXXX XXXX-current. please remove the following employers they are not accurate XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX. 
The following addresses listed are incorrect and not accurate please delete : XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX FL XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX, NY XXXX I have several unknown phone numbers on my report please remove the following phone numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) 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 2019-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT

Complaint narrative:
This company keeps putting this item on my credit report. I have health insurance and its up to the hospitals to bill insurance. The insurance companies have contracted amounts that they pay the hospitals. I never received a bill from the hospital or a right to dispute letter from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
On XX/XX/2019 my wife paid our housekeeper {$95.00} by check from XXXX XXXX XXXX XXXX. Our housekeeper deposited the check by mobile. The check was accepted by SunTrust Bank and then bounced, although there was {$29000.00} in the account. Our housekeeper was charged {$12.00}, which we reimbursed. Today, my wife went to SunTrust Bank in XXXX, FL. She spoke to a banker there who explained that the check account number was cut off when photographed and, although accepted, was not processed. Help me to understand why a computer glitch by the bank should cost me. T

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 2019-05-31 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: CITIBANK, N.A.
State: OH

Complaint narrative:
Citibank dba Citicards RETALIATED against my filing a complaint ( COMPLAINT ID XXXX ) recently against it with the CPFB. Citi has blocked me from making a payment online. Each time I have tried to pay, a message comes on stating " This is unexpected Looks like we're experiencing a temporary technical issue. Please try again later. '' Later never comes day after day. Citi has purposely made it impossible for me to make payments, as I have done in the past, online. This is another corrupt way to obtain late fees by Citi, while punishing consumers for filing complaints.

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 2019-05-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Selene Finance LP
State: CO

Complaint narrative:
We closed our mortgage with Selene Finance when we sold our home on XX/XX/XXXX. We had an escrow surplus of approximately {$2100.00}. When the 30 days had passed that we shouldve received the check from them, we called and they claimed they sent the check to the wrong address and that they were canceling and reissuing the check. They said we would have it by XX/XX/XXXX. When that date passed we called to ask where the check was. They then said the account had been charged with miscellaneous fees on XX/XX/XXXX ... the fees are not described, and they were placed on the account two and a half months after the account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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: GREAT LAKES
State: FL

Complaint narrative:
The year XX/XX/XXXX-XX/XX/XXXX Dept of Education paid {$9400.00} to XXXX XXXX College. At the time this school has been convicted of committing Fraudulent activity. At the same time I attended XXXX XXXX College someone in there Financial aid department received a pell grant from XXXX XXXX OF XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, NV XXXX-XXXX. When it was brought to my attention I automatically applied for Loan  forgiveness with XXXX XXXX  on XX/XX/XXXX ( my application number is XXXX ) which is still pending I was also informed to notify my loan services Great Lakes Borrower and they did nothing about it. I told them I was a victim of fraud through an institution who was shut down due to fraud and they are still trying to hold me accountable for XXXX plus interest. I have disputed this and reached out to them several times and nothing. I even provided them with the XXXX XXXX of XXXX number and address and it was phony too. My loan serviced did nothing even XXXX XXXX still has my application as pending because it is being investigated!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
On XX/XX/2019 I purchased a pre-owned BMW from salesman XXXX XXXX. While signing paperwork she came to me with the XXXX stating the XXXX was clean a couple of days later after playing online to see the resale value it stated XXXX I was shocked to learn the car had been in an accident and the airbags deployed I informed BMW. And her she sent me a paper that was hidden under the XXXX that i signed showing the accident but failed to tell me the car still under warranty and they refuse to back up there product. 

After communication, they did agree to take the vehicle back but refused to take the vehicle back with my mother dropping it off due to me being on extended temporary duties with my job. 

I put a writeup on their page and they responded with a response. 


XXXX, we're sorry if there was any miscommunication. We want you to feel well-informed on the background of your pre-owned vehicle. If you wish to further discuss this issue, please feel free to contact us. We hope you give us another chance to clearly communicate. Thanks again, and please drive safely. ~XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Had XXXX XXXX  in my account and cashed a check to pay phone bill. Let them know I did not use this account anymore and wanted to close it on XX/XX/2019 at XXXX XXXX PNC Bank. Let them know I didnt need it because I am a student and still dont have a job with incoming income. They tried to get me to sit down and sign up a free student account but I did not need it because I have a school account. I called today both branch and corporate only to find out my account was not closed and had encountered two service charges putting me negative. I started this account thru a construction job that paid XXXX XXXX an hr XXXX a moth deposit. A woman hit me with her car after a year and took me out of work for a year. I had no income and wasnt being charged a service fee ever. I could never go back to swinging a hammer because of my back but am in school at the college of XXXX XXXX  as we speak full time. I am a XXXX yr old with XXXX XXXX yr old and a spouse who is XXXX with my XXXX child. We receive XXXX XXXX a month in food stamps and have no income coming in at least until I graduate. I plan on going XXXX in the XXXX XXXX for construction management. This is just a temporary bump in the road and I thought this would be the best way to get my case officially recorded. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
XXXX bought home for XXXX. Taxes doubled from previous home owner. I paid back taxes. I refinanced in end of XXXX. I explained to individual who was performing refinance that my taxes were not right and he assured me they were. My payment for mortgage was at XXXX give air take a few dollars. Now in XXXX of this year I received a notice from caliber home loans that my taxes went up and I had a {$2700.00} escrow shortage and my payments were going to be XXXX now. Thats a {$400.00} difference a month. I explained to them I informed the individual performing the refinance in XXXX that my taxes were wrong and he assured me they were not. Now I have been late the last two payments and as of today late on the 3rd. They are unwilling to help me out in any way. They told me to call the VA about getting the loan modified but when I called the VA they said it is not there decision and to call caliber and have them try to help me. I have tried to get help with this since i got the notice but have been unsuccessful. I am the sole provider for my family and make under XXXX a year right now. I had no issues paying the XXXX a month but going up XXXX a month on a mistake by them I am struggling really bad. I have had to use a credit card to pay for certain things. My credit was up at XXXX XXXX right before the late payments and now it is at XXXX and probably going to drop below that because I will have to pay past 30 days again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I've had a student loan for over 10 years now. This loan has been moved multiple times with different companies. The loan is currently with Navient and even though I have never missed a payment my balance has not improved or decreased.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am writing in regards to what I feel is an illegal lending practice. Navy Federal Credit Union is attempting to collect payment for a refinance loan before there is any evidence the loan exists or funds have been sent to the prior lender ( the loan being refinanced ). In summary : 1 ) It took two weeks for Navy Federal to process the loan ( I have never had a loan take more than a day and funds have always instantly released directly to me ). This reigns true to a prior Navy Federal refining loan I received in the past.

2 ) I received an e-mail saying funds have been dispersed and a payment on the Navy Federal refinance loan is due in 14 days, yet : There is no loan listed under my Navy Federal Credit Union Loans and Lines of credit accounts.

Funds have not been applied to the loan I was refinancing. 
The receiving bank ( the loan being refinanced ) is XXXX, there is no reason they couldnt accept loan payoff electronically and instantly since this supposed transfer was bank-to-bank. 
This entire process seems strange, as I have had 7 consumer loans in my lifetime and never have funds been transferred loan to loan before, the loan funds were always issued to me, into my bank account. 
Navy Federal is saying it may take up to 30 days for XXXX to process the payment, so now I have two payments due on the same day for two different loans from two different banks on the same {$27000.00} I find it really odd that a payment is due before there is any evidence of a transaction. Typically up to 45 days is the timeframe between loan disbursement and payment due date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found inconsistent late payments on the dates below : 30 days late as of XX/XX/2019 ( all 3 Bureaus ) 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 2019-05-31 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: AES/PHEAA
State: NC

Complaint narrative:
I have 2 student loans that is serviced by Fed Loans and US Department Of Education. My Fed Loan was transferred to US Department Of Education. 
On my credit report my Fed Loan account stated was opened XX/XX/XXXX & closed XX/XX/XXXX. transfer to US Depart of Education on XX/XX/XXXX. Fed Loan is reporting stating account is still in the delinquency status as of XX/XX/XXXX. I sent several email to CEO and call the company was told to disputed by all 3 credit bureaus the incorrect information. every time information is disputed it comes back stating no changes. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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: MN

Complaint narrative:
Dear bank of America after reviewing my credit file on all three of the reporting agencies I know you have charged off account XXXX and you are no longer the Owner of this account. But you left some major FCRA Violation on the credit report. and you could be sued for {$1000.00} on each of the reporting agencies for this violation! you are reporting late payment on a charged off account per the FCRA this CAN NOT Report like this so I asked for you to delete this entire account from all three of the reporting agencies immediately!

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 2019-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I checked my credit score and was shocked at the amount of unknown fraudulent accounts that were showing on my report. I was not sure how my report was compromised, but after performing some investigation, I became aware of my information being involved in several credit bureau breaches. I contacted the credit bureaus for a more thorough investigation. They removed all the items except for two items reporting on my XXXX credit bureau from a company called LVNV Funding that I am positive are not my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Recovery Solutions Group, LLC
State: FL

Complaint narrative:
We had a new gate installed and had a contract with XXXX XXXX and somewhere between the signing of the contract with XXXX XXXX, XXXX XXXX XXXX took over the contract. Once done, we had a lot of issues that had not been fixed so we had to call in another company to finish the work to get our gate operating properly. This was in XX/XX/XXXX and once we stopped calling them to fix our gate, we never heard anything back from them. Beginning XX/XX/XXXX we started getting calls from XXXX XXXX with Recovery Solutions Group , LLC. Once the first call was received, I told her that our manager, XXXX XXXX, was out of the country and was supposed to be back on the XXXX, he could do some research on the matter and get back with her. She advised me to get in touch with him ASAP so he could respond to her. She then sent an email to XXXX XXXX and myself advising us to get this resolved or they would be taking more measures to collect the money. Mr . XXXX did not return to work until XX/XX/XXXX and could not get in touch with her since he was out of the country. During that time we received 7 calls and numerous emails from XXXX and during our conversations she was rude and threatening and at one point I hung up on her. On XX/XX/XXXX she even called Mr . XXXX on his personal cell which has nothing to do with work or work related. Even after we told her we were looking into it and that we had never received any further communication with Florida XXXX XXXX, she was not willing to give us time to do research to resolve the issue. After doing our research, we did find that the tags for the gate was received and a check was never issued, so on XX/XX/XXXX a check was written and sent to XXXX XXXX XXXX. Once the check was written, we did not respond to XXXX 's calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY CREDIT REPORT. PLEASE REVIEW THE ATTACHED DOCUMENTS FOR THE DISPUTED ITEMS AND HAVE THEM REMOVED FROM MY CREDIT REPORT AS SOON AS POSSIBLE.

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 2019-05-31 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
EQUIFAX Dropped my fios score 12 points saying i have closed my XXXX account, i never closed account they have already replaced the card, every time i try to file a dispute with equifax they state they can not find my file, this has happened several times.I want to know why.

Company response to consumer: Closed with explanation