vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-18 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: CITIBANK, N.A.
State: UT

Complaint narrative:
On XXXX XXXX received unauthorized inquiry on XXXX from Citi best buy.neber applied for credit here.ss # 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 non-monetary relief
Consumer complaint received 2019-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-18 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: NY

Complaint narrative:
Victim of identity theft.

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 2019-09-18 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: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
On XXXX an unauthorized inquiry from American Express appeared on my XXXX credit report.this was not authorized by me my ss # is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-18 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: TIDEWATER FINANCE COMPANY, INC.
State: FL

Complaint narrative:
the XXXX breach caused some inaccuracy on my credit report please remove them FCRA violations tidwater

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I recently requested my free annual credit report and became aware that I have multiple inquiries from unknown sources that I did not authorize. I would like these companies the remove these inquiries from my credit report. I will attach the inquiry page that includes a list of these companies.

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 2019-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy Federal Credit Union has unjustifiably and wrongfully denied access to my person account, along with a joint account, with whom I share with my grandmother, XXXX XXXX. After an attempt to transfer money off a credit card, Navy Federal flagged our accounts as fraud. They requested that I go to the bank to show ID, which I did, along with my grandmother, which she was unable to do, because there is no branch in the State of Indiana. For three days we have spent hours on the phone with Navy Federal, along with have faxed over numerous documents proving identity, along with a Power of Attorney, which they rejected and failed to state a reason. It is worth noting that though I have POA for XXXX, I was already from day one listed as authorized and joint on all accounts. They are now forcing a XXXX XXXX XXXX woman to drive three hours to the nearest branch to show an ID card. If you were to visit this company 's website, there is nothing posted that states members must reside in a state where a Navy Federal is located. We feel discriminated against and targeted. Furthermore, we have suffered financial hardship due to this unreasonable actions that Navy Federal has taken. Please assist, we have no access to any accounts and it is causes us unnecessary debt. To better assist you, I have multiple fax, POAs, Sworn Affadavits, along with past mail to prove our identity and the wrongful action taken my this institution. Two individuals in particular that offered no recourse where XXXX and XXXX in Security.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 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: NJ

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT. I DID NOT AUTHORIZED THOSE TRANSACTIONS, PLEASE HAVE THOSE INQUIRIES OFF MY CREDIT FILE.

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 2019-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
the Equifax breach caused some inaccuracy on my credit report please remove them FCRA violations XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am unfairly being charged past due fees because the credit card company for one reason or another has not enrolled me in the Auto Pay which I had enrolled previously. I was not provided a reason why I was taken out of Auto Pay and because of this unfair treatment I have been charged Past Due fees for the following dates. 
XXXX XXXX & XX/XX/XXXX for card ending in XXXX. XXXX XXXX & XXXX XXXX for card ending in XXXX. XXXX XXXX for card ending in XXXX. 

I believe I have been unfairly treated here without any notice given or explanation why I was taken out of Auto Pay and now the card company refuses to return the fees they have charged. The total they unfairly charged me is {$190.00} This is the reason why I had enrolled in Auto Pay precisely to avoid charges like these. 

I sincerely request cfpb 's help. You may contact me anytime.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/19 we opened our account at Santander bank at the branch located at XXXX XXXX XXXX, XXXX PA XXXX. XXXX XXXX opened the bank. We had a promotion that if we opened the account with {$25.00} and had {$2000.00} Direct Deposits in 90 days we would get {$400.00}. Today XX/XX/19 I called Santander Customer serivice to verify that I met the requirements and I would be getting my {$400.00}. I spoke to 4 customer services representatives and the code was not in the system where is should be. I believe it was deliberate retaliation by XXXX and XXXX because we did open any additional as they accused us just trying to take advantage of the promo. No customer should be subject to this kind of harassment and abuse the account should have been coded correctly. XXXX the customer service manager in XXXX XXXX thinks all is well for customers to spend an hour and half to ensure that things are done correctly. XXXX refused give me her supervisors name and XXXX is refusing to entertain my questions because she thinks it is acceptable that customers need to spend a hour and 22 minutes to get a resolutions and that is how some customers are treated. Please advised the bank did not even give a plastic case for my check registered. She has made no offer to compensate me for the poor customer service and thinks I should be happy that I am getting the promotion. She is also refusing to provide proof that the account was opened correctly or explanation why 4 customer people could not confirm the promo was applied.

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 2019-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
XXXX XXXX XXXX -- WITHOUT MY KNOWLEDGE or consent XXXX XXXX XXXX, apparently opened a PayPal line of credit in the amount of {$11000.00}, in my name, on XX/XX/XXXX. I was NEVER TOLD ABOUT THIS account being opened in my name in XXXX. 

PAYPAL - My first KNOWLEDGE of this account was on XX/XX/XXXX when PayPal collections department contacted my wife, trying to collect a debt amount of {$6600.00}. Supposedly, on XX/XX/XXXX XXXX XXXX  XXXX charged / received money from PayPal for an upgrade on our timeshare in the amount of {$5600.00} DONE WITHOUT my KNOWLEDGE or CONSENT for this transaction. My wife was told that they had mailed payment notices to me, which I never received. She figured out that the address on the account is an invalid mailing address ( no postal service to said address ). I requested, in writing, 1 ) to have the address changed 2 ) to be provided with written proof that I had a PayPal Line of credit 3 ) How much had been charged to or payment made from the account, to whom & when. To date, I have had NO response from PayPal. 

SYNCHRONY BANK - On XX/XX/XXXX my wife was contacted by Synchrony Bank stating that PayPal has given them this account for collections. Synchrony Bank is calling both myself & my wife 7 days a week, multiple times a day, before XXXX XXXX  & as late as 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 2019-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
the company convergent outsourcing was deleted from all 3 credit bureaus on XX/XX/XXXX it has re appeared on experian credit report file number XXXX as of XX/XX/XXXX this bill was paid by insurance they are trying to collect again the new file dispute number is XXXX with XXXX the information is not correct and it should be permanent of my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I have a heloc account with my rate as Prime minus 1.1 % When the Federal Reserve raised the rates, PNC followed suit. However, when the Federal Reserve lowered the Prime rate a couple of months ago, it did not lower my rate. My rate currently is 4.4 % and Prime is 5.25 % As a result, I have been paying higher interest rate for last several months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XX/XX/2016, a XXXX XXXX XXXX XXXX account was opened in my name, in the amount of {$470.00} This account is now with a 3rd party company, Portfolio Recovery. This is a fraudulent Acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: IL

Complaint narrative:
Money has been misapplied several times After several calls to rectify the situation it continues Principal has been paid down to under 75 % of loan value and lender will not remove PMI Late charges have been applied to account after making more than double payments required. 
Have not been provided account info upon 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 2019-09-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
HSN credit card transitioned from XXXX to Synchrony bank per the Synchrony bank rep who called me for past due. I told him I never received notice or an email regarding the transition and that I had to set up a new account through Synchrony. 

He said he understood this but I was past due and that they reported every 30 days to the credit bureau. 

I think there should be some grace period for transition and I am not going to pay the late fees. 

I bet they are making millions off all the HSN cc card holders who did not know this was happening.

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 2019-09-18 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: NJ

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT. I DID NOT AUTHORIZED THOSE TRANSACTIONS, PLEASE HAVE THOSE INQUIRIES OFF MY CREDIT FILE.

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 2019-09-18 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: NJ

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT. I DID NOT AUTHORIZED THOSE TRANSACTIONS, PLEASE HAVE THOSE INQUIRIES OFF MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-18 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: DC

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract for any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to  positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account. I demand the following accounts be verified or removed immediately. Thank you for your prompt assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ACCOUNTS ATTACHED TO THIS COMPLAINT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS FOR I HAVE HOLD AN EXCELLENT MEMBERSHIP STATUS.

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 2019-09-18 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: DC

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract for any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account. I demand the following accounts be verified or removed immediately. Thank you for your prompt assistance in this matter.

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 2019-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ACCOUNTS ATTACHED TO THIS COMPLAINT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS FOR I HAVE HOLD AN EXCELLENT MEMBERSHIP STATUS.

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 2019-09-18 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ACCOUNTS ATTACHED TO THIS COMPLAINT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS FOR I HAVE HOLD AN EXCELLENT MEMBERSHIP STATUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Conn's, Inc.
State: TN

Complaint narrative:
I bought 2 televisions and a sofa and loveseat from Conns almost 2 years ago, and financed through Conns credit. 
The couch, which supposedly has a 2 year warranty is coming apart from the inside ... literally breaking apart. 
I followed Conns instructions for getting the sofa repaired, including sending pictures, and was informed that I needed to send copies of the original purchase agreement to process. Unfortunately, I dont have the original agreement any more. 
I am withholding payments on my account until this is rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Transunion just hasn't been responding to any of the dispute letters in the time frame there supposed to get back to me. Actually I'm not receiving any responses from the at all.

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