vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-13 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: MO

Complaint narrative:
I HAVE FILED WITH FTC ( SEE REPORT ATTACHED ) THESE HARD INQUIRES NEED TO REMOVED FROM MY CREDIT REPORTS ALL THREE AGENCIES. I HAVE SEN THEM COPIES OF THIS INDENTITY THEFT REPORT SEVERAL TIMES VIA FAX XX/XX/2018, XX/XX/2018,XX/XX/2018,XX/XX/2018 ; ALL SHOW FAX REPORT THAT IT WAS RECIVED BY THESE AGENCIES. BUT NOTHING 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 2018-07-13 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: FIRST CITIZENS BANCSHARES, INC.
State: TN

Complaint narrative:
I have contacted the credit bureaus on inquiries that were not mine they said they cant take them off. they cant dispute them they remain for two year. this may be the case if I authorized those inquiries but I did not. they told me to contact the creditors pertaining to the in inquiries which I did. they said I have to contact the credit bureaus. so between XXXX, XXXX and XXXX I am getting the run around with no type of help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: CURO Intermediate Holdings
State: TN

Complaint narrative:
I have contacted the credit bureaus on inquiries that were not mine they said they cant take them off. they cant dispute them they remain for two year. this may be the  case if I authorized those inquiries but I did not. they told me to contact the creditors pertaining to the in inquiries which I did. they said I have to contact the credit bureaus. so between XXXX XXXX  and XXXX  I am getting the run around with no type of help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: Midwest Recovery Systems
State: AL

Complaint narrative:
Yes, they have a vehicle on my credit report that I did not purchase. It says with a creditor named XXXX XXXX XXXX. I have asked them to get the creditor to provide a signed contract for purchase with my signature requesting a loan with this company. I have asked in the disputes and have not received any information or the removal of the creditor from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: Radius Global Solutions LLC
State: AL

Complaint narrative:
Yes, they have a vehicle on my credit report that I did not purchase. It says with a creditor named XXXX XXXX XXXX. I have asked them to get the creditor to provide a signed contract for purchase with my signature requesting a loan with this company. I have asked in the disputes and have not received any information or the removal of the creditor from my reports.

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 2018-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
XX/XX/XXXX - sent a XXXX XXXX XXXX  ( XXXX  ) check in the mail to our homeowners association ( HOA ) in the amount of {$1900.00} XX/XX/2018 - Check was deposited at Wells Fargo ; not the bank used by our HOA XX/XX/2018 - Received a letter from the HOA stating we were delinquent ; no check received - Filed fraud case with XXXX, case # XXXX - Filed case with United States Postal Inspection Service, case # XXXXXX/XX/XXXX - XXXX  requested documentation for the claim XX/XX/2018 - Requested documents sent to XXXX XX/XX/XXXXXX/XX/2018- Called XXXX for update and to try and get my money back so I can pay the HOA, XXXX stated they have tried to contact Wells Fargo, but there has been no response. ( There has been no response initiated by either XXXX or Wells Fargo to us, and no funds have been recouped by us 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 explanation
Consumer complaint received 2018-07-13 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: MO

Complaint narrative:
I HAVE FILED WITH FTC ( SEE REPORT ATTACHED ) THESE HARD INQUIRES NEED TO REMOVED FROM MY CREDIT REPORTS ALL THREE AGENCIES. I HAVE SEN THEM COPIES OF THIS INDENTITY THEFT REPORT SEVERAL TIMES VIA FAX XX/XX/2018, XX/XX/2018,XX/XX/2018,XX/XX/2018 ; ALL SHOW FAX REPORT THAT IT WAS RECIVED BY THESE AGENCIES. BUT NOTHING 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 2018-07-13 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: MO

Complaint narrative:
I HAVE FILED WITH FTC ( SEE REPORT ATTACHED ) THESE HARD INQUIRES NEED TO REMOVED FROM MY CREDIT REPORTS ALL THREE AGENCIES. I HAVE SEN THEM COPIES OF THIS INDENTITY THEFT REPORT SEVERAL TIMES VIA FAX XX/XX/2018, XX/XX/2018,XX/XX/2018,XX/XX/2018 ; ALL SHOW FAX REPORT THAT IT WAS RECIVED BY THESE AGENCIES. BUT NOTHING HAS BEEN REMOVED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: DC

Complaint narrative:
My loan which was serviced by Select Portfolio Servicing, was closed when I refinanced my house on XX/XX/2018. I was advised that legally they had to get my escrow refund to me within 20 days. It is now XX/XX/2018 and I still do not have my refund. I have called twice to inquire about the refund and was advised that they sent the check to be cut and processed on the XX/XX/XXXX and that it would take 7-10 more business days on top of that to receive the check. I have received other correspondence from them that did not take that long and mail from anywhere in the US does not take 7-10 business days. I received a notice that my loan was closed but not that I was receiving a refund or how much it would be. I called again today and asked for an overnighted check and was advised that she would 'notate '' my request but that it would most likely take another 30 days. I feel that if I did not consistently inquire, this payment would never have been made to me. Also they had not way of sending me confirmation that the check was actually cut or sent. Also, she could not send me a confirmation that it would be coming this time again. Maybe this just was a one off error, but the whole process seemed like a scam to try to keep peoples overpayment of escrow money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY
State: ME

Complaint narrative:
The HELOC 5 year draw period was due. Current average payment of HELOC was {$340.00} per month. All financial forms that were required were faxed to TD Bank as requested on XX/XX/XXXX with confirmation of successful fax. A letter was sent from TD Bank dated XX/XX/XXXX stating the HELOC was not approved with increase in payment to {$1000.00} per month. Local XXXX  TD bank was called on XX/XX/XXXX and XX/XX/XXXX with local bank unable to confirm why the long standing HELOC was denied and repayment of {$1000.00} required. They stated they were unable to review reasons for denial. XX/XX/XXXX TD customer service was called at XXXX. Customer representative, XXXX, was unable to give a reason for the denial of continued HELOC stating " phenomenal credit score ''. The number to the renewal team was given on that date by XXXX  with call made onXX/XX/XXXXand left message. Unfortunately, despite the TD bank recorded message that all calls would be returned within 24 hours no response from the renewal team has been returned one month later. My, DPOA, daughter went to her local TD bank in XXXX on XX/XX/18 and spoke to assistant manager who assured her that she would be contacted the next day. She was not called with an explanation as stated. No call was made. A call was made to the assistant manager in XXXX  on XX/XX/XXXX with message left and still no return call. After completing a customer service form on line for TD bank a phone call was finally received from TD bank. The representative stated that a modification had been arranged with repayment decreased to XXXX. When questioned why a XXXX, XXXX y.o. widow, with phenomenal credit score, increased income over the past five years and no additional debt was not again renewed for HELOC the response was there must have been changes with XXXX XXXX  or XXXX XXXX. When questioned what the new rules were compared to five years ago the response was " I don't know ''. I am still awaiting an answer as to why the approval did not go through. Again, no late payments, phenomenal credit score, increased income. Only change over the past years was the age of the applicant.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
XXXX XXXX / XXXX XXXX Credit Card This is not my account and it is on my credit report. This card was not opened using my SSN or NAME. 

Please have credit reporting company remove this report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have contacted the three credit bureaus pertaining to inquiries on my credit report that I did not authorize. they claimed they cant not dispute hard inquiries and they remain for two years. this maybe the case if I authorized those inquiries myself, however I did not authorize none of them. they credit bureaus told me to contact the creditors and explain it to them, which I did. they claimed it was me but when asked were they there when the credit was ran with me in front of them with my id? they claimed no. so anybody can get someone's information and use it over the phone or online to obtain good. I was told by the creditors to reach back put to the credit bures to see if I can dispute it. so all and all I am getting the run around and no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: EQUIFAX, INC.
State: IL

Complaint narrative:
On Tuesday, XX/XX/2018, I contacted Equifax to have a bankruptcy thats reporting on my credit file removed. I supplied them with the identity theft report. That same information was also sent to XXXX  and XXXX ; they both removed the bankruptcy from my credit file, however Equifax has not. Furthermore, Equifax responded stating that the data furnisher verified that the bankruptcy is correct. 

I was told by someone in XXXX Customer service department that XXXX furnishes the data to Equifax. 

I have since then had my personal data suppression request approved and in accordance with section 605B of the FCRA I would like to request that this fraudulent bankruptcy be blocked from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: Certified Credit Reporting, Inc.
State: CA

Complaint narrative:
On Wednesday XX/XX/XXXX I arranged a meeting with XXXX XXXX from XXXX XXXX XXXX in order to see a house that I was interested in renting, the address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA. 

When Mr. XXXX showed me the house, he told me that for the application process they have a broker that checks credit with a soft pull ( like any other free credit report service ), meaning it wouldn't hurt my credit score. But then after I applied, the owner from the property, without my consent ( supposedly to dig deeper into my report according to XXXX XXXX ), pulled a hard inquiry on my credit using my SSN without my consent. 

Hence, I have now an unauthorized hard inquiry on my credit report. Since it was an unauthorized hard pull, I'd like to get it removed from my credit report, which is the fair thing to ask in this case. 

I have screenshots of the conversations I had with the real estate agent who was working on the property, and he confirms that that hard pull was unexpected ( not informed to him as well ) and done without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: Radius Global Solutions LLC
State: AL

Complaint narrative:
XXXX XXXX / XXXX XXXX  Credit Card This is not my account and it is on my credit report. This card was not opened using my SSN or NAME. 

Please have credit reporting company remove this 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 2018-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc.
State: AZ

Complaint narrative:
The debt collector name is XXXX XXXX. 

She is a debt collector representing Diversified Consultants. This morning at XXXX there was a call who came in with no company name and had a XXXX number. A family member at home answered woke me up and a woman started talking after I said hello. Gave her company name and possibly hers, not too sure. She didnt confirm if I was The debt holder she just started talking about my debt assuming I was the correct debt holder. She also was almost demanding I put a CC on file to make payments towards a debt I could not afford. I told her 4 maybe 4 times, I had to raise my voice after she got demanding. She got aggressive and said she didnt even know if I was the debt holder because I sound like a woman. I said my name and its me and she then said now you sound like a guy or something in that nature. The fact that she didnt confirm if I was The debt holder and just started talking about my debt makes me feel like my identity with this debt collector isnt safe. Example. What if I was a man transitioning Into a different XXXX XXXX? What if I had a voice malformality that could make me sound like a woman or even worse what if they had called the wrong number and she released my debt information to complete stranger. The problem is the disrespectful, abusive tactics and not verifying who i am is wrong! She put me on hold and said foul things about me because little did she know I could hear! She wanted to hang up on me and not give me her supervisor when I asked. She escalated the situation into it now possibly turning into a legal situation. This is a violation of my rights under the FCRA, FDCPA, FTC and I want a complain filed and the Agency Diversified Consultants, the debt collector XXXX XXXX need to be held responsible. The supervisor I spoke to at the end said she would listen to the recording in order to discipline her but I informed her Im reporting this anyways.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-13 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Experian has account number XXXX with syncb/XXXX listed on my credit as a negative on my credit report. They transferred it to another lender and I paid off the debt since. Request to remove this negative mark on my report please!

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 2018-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
On multiple occasions Regions Bank has allowed transactions to be authorized and post to our joint accounts despite being opted out of any form of overdraft coverage offered since opening my accounts. On the most recent occasion 2 fees were charged and were reversed only after complaining to the local branch. The employee confirmed that we were opted out of both forms of coverage that is offered, standard overdraft coverage and overdraft protection is how they are listed on the website, but said that we had not opted out of coverage for recurring charges. No where on their website, nor at any point when I have called or gone into a branch to speak to someone about this issue have I been told that there is some mysterious 3rd overdraft protection for recurring charges. I checked my online banking just to make absolutely sure that I was opted out of everything. After speaking with an employee on XX/XX/XXXX we were told that she opted us out of this recurring charge coverage. On XX/XX/XXXX, I received a confirmation email for opting out of standard overdraft coverage, something I can confirm I was already opted out of, but was told by the bank that it was something different. 
This also occurred on XX/XX/XXXX for an amount of {$2.00} which was then charged a {$36.00} fee. I have changed debit cards to make sure no recurring charges I did not authorize were allowed to continue but that did not help. After receiving this email about the standard coverage Im inclined to believe the employee made up this 3rd coverage she claimed exists as a way to excuse what was happening on my account. Regions has had to refund me before in XXXX because of this same issue and at that time I had assurances from an employee that I was opted out of everything, yet they still let it continue.

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 2018-07-13 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This is actually my second complaint against the Credit Reporting Agencies this year. I placed a dispute in as I am victim of Identity theft in XXXX via the mail and I received no response. I then went forth to upload direct into the CRA and sent the dispute via fax at the end of XXXX. The dispute was submitted with supporting documents on the basis of Fair Credit Reporting Act, Section 605b which states that a victim of identity theft that has accounts breached or established without proper authorization or benefit should be blocked in 4 days. I have attached the supporting documents to this complaint entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, plus dates from XXXX. This debt is 11 years old.  The amount owed is {$10000.00}. The original creditor is XXXX XXXXXXXX XXXX or XXXX. There have been numerous collection agencies trying to collect this debt, but they have all been unsuccessful. I was not able to pay the debt at the time, because I was unemployed and I had other bills that I had to pay, or risk losing my apartment or my car. XXXX XXXX XXXXXXXX, XXXX is the debt collector who has been relentless. They will not let up. It has been eleven years and the statue of limitations is long over and they continue to send me correspondence and call my cell number, continually harassing me over this expired debt. They recently sold this debt to another collection agency, XXXX XXXX XXXX XXXX and it continues. I am now being harassed by XXXX. I was advised to send a cease and desist letter to Portfolio, which I did on XX/XX/XXXX. I sent it certified with a return receipt. I have the return receipt for my records. I would like this situation to be resolved with Portfolio and XXXX not having access to my personal information anymore. I would like them to shred my information, such as my social security number, name, address, cell # and any other pertinent information of mine that they do not need. I fear that this will never end. Portfolio sold my debt to XXXX and then XXXX will sell my debt to another company and so on and this ridiculous and outrageous situation will never end. I can see this lasting forever, like another thirty, or forty years if something or someone will not terminate this.

Company response to consumer: Closed with non-monetary relief