vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am a day late on a payment I have been getting calls every day almost every other hour. The number come up as unknown and when I answer its always XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
Re : Complaint U S BANK - Case # XXXX I received the response of the US BANK thru mail. 
It is worth noting about the CHANGES made in my MOBILE BANKING Statement of XX/XX/2017 after I called US bank Customer Service that I reported the Case / issue above to the Media. 
Before calling US BANK Customer Service I communicated to the US Bank Manager XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX,  CA and CONFIRMED that the MONEY in Dispute was NOT Yet credited to my account. 
Both of us went to the XX/XX/2017 Bank statements and had the same Verdict NOT YET CREDITED ... 
I was told by the US BANK Customer Service to speak again with the Manager because he will talk to him ... 
So I did and after XXXX XXXX had LUNCH on the same day ( above ) I spoke with US BANK Manager and Customer Service and got all my 2017 bank statements printed out. 
The demeanor, facial expression and tone of voice of the US Bank XXXX XXXX XXXX had changed .... mad and somewhat under pressure. 
Then he ( manager ) gave me the CHANGED VERSION of the XX/XX/2017 Bank Statements and said, ACCORDING TO THEM THEY ALREADY GAVE BACK THE MONEY.,,, I Stated, BUT YOU AND ME KNEW PRETTY WELL THEY DI D NOT. 
The people in this mentioned above location were friendly, goes to extra mile to help and honest ... the dilemma in this predicament started at their own FRAUDELIENT TEAM and Customer Service. 
Before the issue reached the US bank President, the problem had has already been GREATLY MODIFED to Cover the Tracts.

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 2018-05-16 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: Credit Technologies, Inc.
State: CA

Complaint narrative:
Credit Tech show an inquire on my credit on XX/XX/2018 but I did not give them permission

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 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: MD

Complaint narrative:
Experian is reporting 2 Hard Inquiries that i did not authorize. 

1. ) XXXX XXXX ( Auto Fin ) ( XX/XX/XXXX ) 2. ) XXXX XXXX ( Auto Fin ) ( 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 2018-05-16 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: CA

Complaint narrative:
XXXX/XXXX shows a inquire on my credit report on XX/XX/2018 but I never gave them written authorization to run my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 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: MI

Complaint narrative:
On XX/XX/XXXX I filed a written demand set USPS Certified mail # XXXX XXXX XXXX XXXX XXXX for TRANSUNION to remove the fraud alert placed on my consumer credit file. I DID NOT request or authorize anyone to place a FRAUD alert on my behalf. 

On XX/XX/XXXX I filed a written demand set USPS Certified mail # XXXX XXXX XXXX XXXX XXXX for XXXX  to remove the fraud alert placed on my consumer credit file. I DID NOT request or authorize anyone to place a FRAUD alert on my behalf. 

On XX/XX/XXXX I filed a written demand set USPS Certified mail # XXXX XXXX XXXX XXXX XXXX for XXXX  to remove the fraud alert placed on my consumer credit file. I DID NOT request or authorize anyone to place a FRAUD alert on my behalf. 

According to the companys website upon receipt of a written request they will usually remove a fraud alert within 72 hours. 
Its been more than 72 hours since the request was made and the Fraud alert remains. 

This erroneous fraud alert is being publish without my authorization written request, and has caused me to be denied credit. It is of an urgent nature that I am requesting your assistance in have this unauthorized fraud alert removed. Additional I would like the credit bureau to notify each company that has conduct a hard pull of my credit within the last 30 days that the alert has been removed.

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 2018-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I was charged two overdraft fees, however I had funds to cover the items.

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 monetary relief
Consumer complaint received 2018-05-16 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: CA

Complaint narrative:
XXXX/XXXX  shows a inquire on my credit report on XX/XX/2018 but I never gave them written authorization to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 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: CA

Complaint narrative:
XXXX/XXXX shows a inquire on my credit report on XX/XX/2018 but I never gave them written authorization to run my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
I closed on my home on XX/XX/2017. Thus far I have had no trouble making payments or keeping up. However my loan was sold for its original holder to loan care its current servicer. This is a normal practice of course. What I am upset about is, when I paid my loan in XX/XX/XXXX, I was charged a XXXX dollar late fee for paying on the XX/XX/XXXX. According XXXX XXXX regulations, a servicer is not allowed to charge a late fee to the borrower until after the 15th day. I have tried call them many times to resolve the issue, but just ended up hanging up, because the hold times for an operator is over 1 hour.

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 2018-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
XXXX scam using XXXX. Have written confirmation of receiving tickets to XXXX vs. XXXX Game 2 for {$650.00} for 2 tickets. Used fake emails, confirmation # 's, phone # 's, names. XXXX and Wells Fargo can take no action to cancel transaction even though I have informed them it is a fraudulent transaction. I informed Wells immediately and they can do nothing - they really should do a better job of educating their customers on what XXXX is in their online portal, risk associated and differences vs. ACH / other methods ( ie no time to clear, etc. ) Lack of consumer fraud protection with banks and XXXX is a real issue.

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 2018-05-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
My S.S. was used to obtain money from my checking account. I have closed the account and the original debt was written off and then sold to HSBC. I have NO intention of making any payments on this account and have told them repeatedly. Started getting calls from HSBC, XXXX XXXX, about two months ago on my cell phone from XXXX ext. XXXX and XXXX. I asked her to stop calling. Now she is calling my place of employment and leaving message with my Manager that it is URGENT I call her. I called her this evening and said that she is not to call my employer ever again and she started screaming at me over the phone, I could not even talk. It was absolutely disgusting. I couldn't even understand what she was saying half the time she was just yelling and cussing. If it happens again I will record the call and post it on social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have three issues with Experian that I believe in direct violation of my consumer rights. First. XX/XX/XXXX I disputed and submitted a formal request to investigate a list of hard inquiries that I did not authorize. XX/XX/XXXX Experian received the formal request ( enclosure ). Experian did not reply or remove any inquiries. It has past 30 days after receipt of the formal request. Second, Experian is reporting a collection that the 7 year time limit has expired for XXXX XXXX. XXXX XXXX reviewed their files and admitted that the statute of limitations ( SOL ) had expired. Tennessee statute of limitations is 6 years. XXXX XXXX states that the account in question expired XX/XX/XXXX. XXXX XXXX informed me to contact Experian ( enclosure ). Experian have been informed formally several times. Experian has reported this account 2 years beyond SOL years. I have formally disputed this inaccuracy to Experian several times. Third, I recently have been informed that there is a bankruptcy that has been maintained under my social security number. Experian was sent a formal letter disputing the bankruptcy. Experian was asked to validate there information and provide me with copies of any documentation. I formally requested the method of verification. Experian last updated the disputed inaccurate bankruptcy in XXXX I inquired through the bankruptcy courts. I was informed that the courts do not report to credit bureaus ( enclosure ). A formal letter was sent to Experian XX/XX/XXXX and received XX/XX/XXXX. XX/XX/XXXX ( enclosure ). Experian sent a letter stating bankruptcy dispute will not be investigated. We have previously disputed the credit grantor has verified its accuracy. XXXX XXXX informed me a security freeze has been place on my files if any as of 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 2018-05-16 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: MI

Complaint narrative:
On XX/XX/2018 I filed a written demand set USPS Certified mail # XXXX XXXX XXXX XXXX XXXX for XXXX  to remove the fraud alert placed on my consumer credit file. I DID NOT request or authorize anyone to place a FRAUD alert on my behalf. 

On XX/XX/2018 I filed a written demand set USPS Certified mail # XXXX XXXX XXXX XXXX XXXX for XXXX to remove the fraud alert placed on my consumer credit file. I DID NOT request or authorize anyone to place a FRAUD alert on my behalf. 

On XX/XX/2018 I filed a written demand set USPS Certified mail # XXXX XXXX XXXX XXXX XXXX for EQUIFAX to remove the fraud alert placed on my consumer credit file. I DID NOT request or authorize anyone to place a FRAUD alert on my behalf. 

According to the companys website upon receipt of a written request they will usually remove a fraud alert within 72 hours. 
Its been more than 72 hours since the request was made and the Fraud alert remains. 

This erroneous fraud alert is being publish without my authorization written request, and has caused me to be denied credit. It is of an urgent nature that I am requesting your assistance in have this unauthorized fraud alert removed. Additional I would like the credit bureau to notify each company that has conduct a hard pull of my credit within the last 30 days that the alert has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 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: MI

Complaint narrative:
On XX/XX/2018 I filed a written demand set USPS Certified mail # XXXX XXXX XXXX XXXX XXXX for XXXX  to remove the fraud alert placed on my consumer credit file. I DID NOT request or authorize anyone to place a FRAUD alert on my behalf. 

On XX/XX/2018 I filed a written demand set USPS Certified mail # XXXX XXXX XXXX XXXX XXXX for EXPERIAN to remove the fraud alert placed on my consumer credit file. I DID NOT request or authorize anyone to place a FRAUD alert on my behalf. 

On XX/XX/2018 I filed a written demand set USPS Certified mail # XXXX XXXX XXXX XXXX XXXX for XXXX to remove the fraud alert placed on my consumer credit file. I DID NOT request or authorize anyone to place a FRAUD alert on my behalf. 

According to the companys website upon receipt of a written request they will usually remove a fraud alert within 72 hours. 
Its been more than 72 hours since the request was made and the Fraud alert remains. 

This erroneous fraud alert is being publish without my authorization written request, and has caused me to be denied credit. It is of an urgent nature that I am requesting your assistance in have this unauthorized fraud alert removed. Additional I would like the credit bureau to notify each company that has conduct a hard pull of my credit within the last 30 days that the alert has been removed.

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 2018-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
This loan started out as a direct loan Parent Plus and then it was sold to someone else-? XXXX ? then it came to belong to Navient. i have made so many payment and the loan has not reduced at all. I have called them multiple times. I have been told over and over, in a few more payment it will start to reduce the prinicpal. Well as you see the principal has not changed an iota. i owe more on one loan than I even borrowed. My other loan is higher than it was when I got my last statement from the Federal student loan servicer. I am attaching the original loan amts from XXXX XXXX. The first sheet is not necessary, but the next 2 sheets are what i owed on the 2 loans I borrowed from XXXX loans BEFORE Navient took over the loans. My complaint is not with Direct loans per se, but I think this information is necessary. I am not sure why the bill does not show anything for XX/XX/XXXX or XX/XX/XXXX. I am almost sure Navient took over in XX/XX/XXXX but it could have been another provder, but I cannpt find any bills for me from anyother servicer and I KEEP my bills. ( so maybe only my son 's loans went to XXXX ). I  am almost 99 % sure it was navient that advised me in XX/XX/XXXX not to pay if it was difficult and no interest would accrue while the loan was in forebearance. I was unemployed for a while. That was a Flat out LIE!.  Then I set up payments when realized interest was accruing. I am attaching all payment that were on website. i have set up automatic payments, because I was told it would decrease my interest rate. My loans have always been 7.9 % and that is what it still is. Main concern is that I have paid approx {$8600.00} to navient and my loan principal has not decrease by even a dollar. It would be fabulous if there is any answer to this nightmare!!! I get so upset every time I look at this stuff. i have been making student loan payments since XX/XX/XXXXwith several large sums paid to other service provider. Navient says it will be paid off in XX/XX/XXXX- I can not believe this!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
Please reference investigation ID XXXX, I received a letter from TD Bank whereby they stated, based upon our investigation, we have determined that fraud did not occur. The letter was dated on XX/XX/XXXX. The letter was received on XX/XX/XXXX. I immediately contacted TD Bank customer service center to determine what type of investigation was conducted or led to a determination that the fraud did NOT occur. Customer service agent ( XXXX XXXX ) stated that investigation was determined based upon the proximity of the fraud and actual residence. 

I filed a police report on XX/XX/XXXX stating that the contents of my wallet were stolen from my locked vehicle while it was parked in my driveway [ RESIDENCE ]. There was no sign of forced entry. They did not take my wallet or driver 's license, and I had no cash, what they stole was my credit/debit cards. 

I received a fraud alert on my other credit card ( XXXX XXXX ) on XX/XX/XXXX, which later alerted me to other activities on my other cards which were also stolen. These cards included the TD Bank business debit card. I was working in Washington, DC at the time of the fraud. I immediately went to the closest TD Bank location on XXXX XXXX XXXX XXXX, Washington, DC XXXX. I spoke with the banking specialist, XXXX XXXX. He issued me new debit cards for my personal and business account. He was not able to dispute the charges since the transaction had not posted. It took two days for the transaction to post. I filed it on Friday, XX/XX/XXXX on  the phone with the customer service agent. I also sent the Bank Specialist ( XXXX XXXX & XXXX XXXX ) the copy of the police report, whereby they went to the fraud department Based upon the information provided by TD Bank in this letter, I find it bizarre that the TD Bank made a decision stating that the fraud did NOT occur. I am requesting that TD Bank refund the money as soon as possible and return interest on money due. I am also requesting that the Consumer Financial Protection Bureau look into TD BANK business practice in determining fraud as while as violations of Consumer Protection Laws. 

Please reference previous complaints submitted against TD BANK with the Consumer Financial ID XXXX & XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I received an alert from my credit report that XXXX XXXX reported a collection that showed up on XX/XX/2018. 
It seems like Midland bought my debt from my former creditor but I was not made aware I have a new number and moved last year I contacted Midland once I found out I had that debt that knocked down my FICO score 40 points. 
I explained that I was not contacted due to the institution not having the correct information. I provided them updated information. 
I spoke to several people and I was unable to come to a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MA

Complaint narrative:
XXXX XXXX scam : I'm sure this isn't the first one that has been submitted as a scam. Poster claimed he would sell me XXXX / XXXX game 2 tickets for {$650.00} for 2 tickets. I tried everything to detect a scam - called him, asked for confirmation # 's ( to which he created a fake customer support line for XXXX ticket office and doctored emails ... ). I decided to trust him. When I sent the money, he deleted his text.me phone # and stopped responding to emails / calls / texts. My contention is that his name is fake the name he gave me, XXXX XXXX, is not the same name associated with his voicemail ( I found out later ) and I would wager not the same name he has on his bank account. This violates XXXX XXXX T & C and therefore, the transaction should be void. I contacted XXXX and they told me there is nothing they can do. There is a clear lack of consumer protection and anti-fraud protection with XXXX.

Company response to consumer: Closed with explanation