vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On or about XX/XX/2018, I filed a dispute with Equifax. Equifax reported a secured account with XXXX/XXXX XXXX XXXX XXXX. None of the information was correct. Initially, Equifax reported as a credit card that was over 120 days past due. I received an update, my profile is now reporting a " secured '' loan, which is not correct. High balance of {$3400.00}, and I already stated never had a credit card. In fact, I do not have a secured loan. And if I did, how would I be 120 days past due when my credit report is saying the monthly payment is {$250.00}, but only {$410.00} is past due. None of this makes sense. Equifax did not properly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Their was an fraudulent attempt from an unknown individual out of Florida and applied for a XXXX credit card. 
Long story short this is the second attempted to get this inquiry removed from my credit report still reflecting as of XX/XX/2018

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 2018-11-26 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a  reasonable conclusion has been determined.

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 2018-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Good afternoon, Can you please advise me on how I can file a complaint about an overcharge by XXXX XXXX  during my reinstatement on XX/XX/2017. The judge allowed XXXX in attorney fees and they charged me {$54000.00} plus {$5000.00} in committee fees and would not reinstate the loan at the final hour unless I paid that amount in full. The next day they were going to have an auction for the sale of the house so I was forced into paying that amount so I didn't lose the house that I owned for 20 years. I have reached out to the bank but they strung me along and refuse to pay me back. I just got a notice that XXXX XXXX sold the bank to Peoples United Bank. Both banks are located in Connecticut. This might be why they didn't feel it was necessary to pay me back. 

When you review the documents you can see they even charged the amount from the morning of XX/XX/2017 from XXXX to {$59000.00} Thank you in advance for your help with this unfortunate situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-26 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2018-11-26 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a  reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America Home Loans XXXX To whom it may concerned ; I am requesting a postponement of the sale date of my home for XX/XX/2018. 
I have applied for a modification, and other types of assistance like cash for keys and relocation assistance. Bank of America still has a sale date on my home. I will be out on the streets with no place to go if this occurs. I need a postponement date on my home so I can get everything possible to the Bank to keep it I need to keep my home, and not be out on the streets.. I am also working with XXXX also. 

Thank you so much, 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 non-monetary relief
Consumer complaint received 2018-11-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: URS Holding, LLC
State: GA

Complaint narrative:
Greetings, There is a company name Alltran Education , Inc who claim I owe an unverified amount on a student loan which the company has not verified pursuant to FDCPA 1692g ( b ). The company allege in one letter I owe an amount that is different than the amount in a second letter and that amount is different that an amount in a third letter. 

Egregious tactics on an alleged debt I do now owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/18 I received a consumer report from XXXX ( XXXX XXXX XXXX ) after funds being placed on hold being denied the ability to open a checking and savings account at a financial institution. On the report, Wells Fargo erroneously reported 9 different accounts. Some accounts were opened and closed within less than a week to 30 days while others were open for at least a year. In addition to that, Wells Fargo left a notation stating that the accounts, as they seen it, were deemed as fraud due to fraudulent actions in my behalf. I immediately contacted Wells Fargo by calling the customer service number to get n explanation and gain clarity at to how theses accounts were open that I did not authorize. After being on the phone for over 3 hours and going thru the verification process Wells Fargo Executive and Claim team  advised me that the accounts were in fact not mine and they would contact XXXX to have any and all accounts and comments removed from XXXX. In addition to that I have several case numbers and claim numbers to prove what I am saying as factual. Unfortunately, I don't have 3 to 5 business days as my funds are being held. So this is why I am filing a complaint in addition to having this on file and record of all actions I have taken to resolve this matter. 
ID THEFT Case # XXXX ( Fraud Claim in Executive Fraud Dept ) and Case # XXXX ( Claim Mgmt )

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 2018-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello Sir/Madam, I usually shop in XXXX an app which is used to buy and sell stuff. I found a bag that I am looking for and asked for the price and agreed to pay. The seller doesn't want me to use the app hence asked me to pay her through XXXX and I asked her for the protection she told me that I can file a claim to for fraud to receive money. We had an agreement and we had a conversation on my phone with some pictures of the product, I don't have any information about her except her name and contact number. She initiated the funds as a invoice that how I came to know her name. She initiated the funds for 2 times the first time she sent me a request for an amount of {$600.00} and the second time she initiated for {$450.00} as we agreed.I will attach the phone conversation that we had below. The amount i transferred {$450.00} on XX/XX/18. As soon as she received money she stopped responding to me and blocked my number. Only hope I had is from my bank which is Citibank, as my transaction shows its pending I called them on the same day and submitted a dispute. I haven't got any response from them yet.

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 2018-11-26 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: DISCOVER BANK
State: TX

Complaint narrative:
I came to know today my credit score suddenly dropped 30 points and I saw there was a hard inquiry done by XXXX XXXX XXXX on XX/XX/XXXX without my permission. So I am trying to report this as fraud hard inquiry was being done without my permission. I need to remove this hard inquiry from my credit reports. 

Another hard inquiry done which was fraud which I already reported long back was done by XXXX, XXXX done on XX/XX/XXXX. 

Need to remove these two hard inquiries from my credit reports of all three major credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-26 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/2018, I mailed Experian a certified letter regarding the Fair Credit Reporting Act, section 611 ( a ) ( 7 ). I said that I was entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information and the telephone number of such furnisher. 

On XX/XX/18, Experian sent me back a form letter not providing me the required information.

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 2018-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian charges my credit card each month for services. I want to cancel but I don't even know what my account is on their Website. I don't know of any user ID or password I might have used, and It doesn't recognize my email address. I don't know what old email address I might have used, but couldn't access one anyway. I try to call their number numerous times, but the system 1 ) doesn't recognized that my SSN has an account associated with it to cancel, 2 ) will not let me talk to a representative, and 3 ) just refers me back to the Website which again doesn't help me. They clearly make it impossible to cancel.

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 2018-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a follow up on a complaint to Barclays Bank for deceptive lending practices amongst other things. In the response from XXXX. XXXX XXXX, he indicated Barclays does not perform credit line reviews during the balance transfer solicitation period which is indicated in the WRITTEN response occurred XX/XX/XXXX - XX/XX/XXXX. Fortunately, I have located additional balance transfer offers on my account PRIOR to Barclays soliciting me to use my credit line. Ive attached 2 samples as evidence to support the deceptive practices. 

I previously raised this issue in XXXX and Barclays corrected the issue by restoring my credit limit. 

To top it off, I have to wait for 3 minutes to talk to a representative from the Office of The President. The wait time solidifies Barclays servicing practices.

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 2018-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FBC MORTGAGE, LLC
State: FL

Complaint narrative:
I attempted to find a company to help build me a new home this year. I went to XXXX XXXX XXXX in XXXX, FL. After filling out the application and spending 2 wseeks going over options and home builds. I was told I needed to apply with FBC Mortgage in XXXX, FL in order for XXXX XXXX XXXX to continue to set up plans to fully qualify me for my home build. I mentioned that I would use my own bank or my previous mortgage broker who helped me a few years ago, and they said No! I was told that I had to go through FBC Mortgage first in order to see if my credit and income qualified. 

I was told that I would receive a better rate and lower paynent by going through this mortgage company. I called them even though I felt the whole situation was being monopolized and I was being steered towards an affiliate of theirs only. I spoke with a young guy who had very little knowledge about my situation but kept making promises. He said that if I used them they offer a discount on the appraisal because i was referred by XXXX XXXX XXXX. 

When I tried to insist I would use my own mortgage company I had XXXX phone calls from various managers from both FBC and XXXX XXXX. After about a month of being harassed with calls and rude managers telling me I had to do it a certain way i decided that neither company was for me. I read the negative reviews online and they all seem to have the same problem. As a business owner and a consumer i feel that the CFPB should look into this relationship and how it is affecting consumers and alos possibly violating the Dodd/Frank and or other regulations that cover steering, affiliate business, and customer options. Also why is it that they only advertise ( 1 ) lender on their website and not other local options?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: PR

Complaint narrative:
This XXXX wireless dept of {$2300.00} is not mine, i live in Puerto Rico.Someone stoled my ldentiti. I have a bad credit because of this dept.its ruined my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-26 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: VA

Complaint narrative:
I am writing to request a correction of the following information that appears on my credit report. 
I am a victim of identity theft and I write to dispute certain information in my file resulting from the ID Theft. 
I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized. 
Please carefully review and remove or correct this information at the earliest possible time. 
Enclosures -Copy of the FTC Identity Theft Affidavit -Copy of the Social Security Number -Copy of the Driver License -Copy of the Utility Bill

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX I received a consumer report from XXXX ( XXXX XXXX XXXX ) after funds being placed on hold being denied the ability to open a checking and savings account at a financial institution. On the report, Bank Of America erroneously reported an account as fraud due to fraudulent actions in my behalf. I immediately contacted Bank of America by calling the customer service number to get an explanation and to gain clarity as to how this account were notated. After being on the phone for over 1 hr and 30 minsI was able to speak with XXXX in Risk Mgmt how advised me that my concerns were valid and she did see an error on their behalf, so when I was transferred to the Risk Recovery Dept O spoke with XXXX XXXX who also seen the error and not only removed the account but also cleared out a balance of {$11.00} on a XXXX account where I was also charged in error. Bank of America failed to advise me that they were closing the account and also failed to provide me with reasons. After speaking with XXXX and XXXX XXXX was transferred back to customer service and I asked for a copy of the notice they claim they sent and was denied. They stated that although I had been transferred and seen the notes they were not able to verify me and therefore could not provide me with anything nor could they contact EWS to advise of their errors causing this error to remain on my consumer profile. This account was opened in XX/XX/XXXX and closed in XX/XX/XXXX with no transactions.

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 2018-11-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
Regions Bank is allowing ACH debits to run my checking account to negative balances despite my refusal to have my account overdraft and would debit my account first and then post my electronic ACH deposits secondly in order to create more overdraft fees. I have specifically disabled overdraft protection on this account and this has resulted in NSF fees on several drafts the past 4 plus weeks starting on or around XX/XX/2018 running through appears to be well over {$220.00} or approximately 7 separate NSF charges on my account of {$36.00}. This is unfair and dishonest banking and I have contacted my local branch manager XXXX XXXX and she refused to help 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 explanation
Consumer complaint received 2018-11-26 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: VA

Complaint narrative:
I am writing to request a correction of the following information that appears on my credit report. 
I am a victim of identity theft and I write to dispute certain information in my file resulting from the ID Theft. 
I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized. 
Please carefully review and remove or correct this information at the earliest possible time. 
Enclosures -Copy of the FTC Identity Theft Affidavit -Copy of the Social Security Number -Copy of the Driver License -Copy of the Utility Bill

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 2018-11-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EdFinancial Services
State: GA

Complaint narrative:
Greetings, There is a company name XXXX XXXX , XXXX who claim I owe an unverified amount on a student loan which the company has not verified pursuant to FDCPA 1692g ( b ). The company allege in one letter I owe an amount that is different than the amount in a second letter and that amount is different that an amount in a third letter. 

Egregious tactics on an alleged debt I do now owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Contacted Portfolio Recoveries regarding a collections account. 
Reached an agreement to pay the account for less than amount owed. 
Requested documentation of our agreement and was told that a letter would be sent via email. Have not received letter. 
Made payment on the agreed upon offer, and the account remains on my credit report with a balance of the difference between what was paid and what was originally owed.

Company response to consumer: Closed with non-monetary relief