vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-24 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: MS

Complaint narrative:
I have contacted XXXX, XXXX, and Experian several times via phone and online on numerous occasions in regards to inquiries that I did not authorize or I was not familiar with. I get the same results every single time and it is affecting my scores and it looks like I have been searching for credit opportunities which I have not. I am trying to purchase things and it has made it practically impossible to do when seeing places that I didn't acquire credit from. I have disputed and reached out to the credit bureaus on numerous occasion. I need the companies to send proof or validation or it needs to be removed immediately. 

The following inquiries were not authorized : XXXX XXXX x3 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX x2 XXXX XXXX XXXX XXXX XXXX XXXX x2 XXXX XXXX XXXX XXXX XXXX x2 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 2018-05-24 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: MS

Complaint narrative:
I have contacted Transunion, XXXX, and XXXX several times via phone and certified mail in regards to five accounts that were placed in my name that I am not familiar with or did not authorize. I get the same results when attempting to come to a resolution with them. It is negatively reporting on my account and keeping me from being able to obtain credit and ruins my credit profile due to inaccuracies. The companies need to send proof of validation or it should be removed immediately. I have reached out to the FTC regarding the issue and I have reached back out to the credit bureaus and still no luck. The last rep I talked to was XXXX and he stated he had sent the information in for special handling and I still have not had any luck. The following accounts that are reporting are XXXX XXXX XXXX for {$370.00} the other for {$930.00}, XXXX XXXX XXXX for {$0.00} and XXXX XXXX for with no balance. There are also two other accounts for {$630.00} and {$840.00}. All of these accounts listed are listed as derogatory and should be 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 2018-05-24 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: MS

Complaint narrative:
I have contacted XXXX, Equifax, and XXXX several times via phone and certified mail in regards to five accounts that were placed in my name that I am not familiar with or did not authorize. I get the same results when attempting to come to a resolution with them. It is negatively reporting on my account and keeping me from being able to obtain credit and ruins my credit profile due to inaccuracies. The companies need to send proof of validation or it should be removed immediately. I have reached out to the FTC regarding the issue and I have reached back out to the credit bureaus and still no luck. The last rep I talked to was XXXX and he stated he had sent the information in for special handling and I still have not had any luck. The following accounts that are reporting are XXXX XXXX XXXX for {$370.00} the other for {$930.00}, XXXX XXXX XXXX for {$0.00} and XXXX XXXX for with no balance. There are also two other accounts for {$630.00} and {$840.00}. All of these accounts listed are listed as derogatory and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 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: MS

Complaint narrative:
I have contacted XXXX, XXXX, and Experian several times via phone and certified mail in regards to five accounts that were placed in my name that I am not familiar with or did not authorize. I get the same results when attempting to come to a resolution with them. It is negatively reporting on my account and keeping me from being able to obtain credit and ruins my credit profile due to inaccuracies. The companies need to send proof of validation or it should be removed immediately. I have reached out to the FTC regarding the issue and I have reached back out to the credit bureaus and still no luck. The last rep I talked to was XXXX and he stated he had sent the information in for special handling and I still have not had any luck. The following accounts that are reporting are XXXX XXXX XXXX for {$370.00} the other for {$930.00}, XXXX XXXX XXXX for {$0.00} and XXXX XXXX for with no balance. There are also two other accounts for {$630.00} and {$840.00}. All of these accounts listed are listed as derogatory and should be 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 2018-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
XXXX / XXXX XXXX  has allowed several cards to be fraudulently opened in my name and my wife 's name. It is now making further inquiries to the credit bureaus, using information that it knows is more than 10 years outdated ( and thus it knows the inquiries are fraudulent ). Our credit is suffering as a result of this. 

**This is only happening with this bank, not other banks or lenders. ** Here is the most recent fraudulent inquiry by XXXX/Synchony, using identifying info. that is more than 10 years old : XXXX XXXX   Requested On : XX/XX/2018 Identifying information they provided : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-24 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: NC

Complaint narrative:
Last reported XX/XX/2017 XXXX XXXX Amount : {$11000.00} Acct # : XXXX I have sent in requests asking Equifax to remove this item from my credit report because this item has not been verified as belonging to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
In early XX/XX/XXXX, I added a bankamerica deal to my account that was spend {$15.00} or more two times on you card and receive {$75.00} cash back at XXXX XXXX XXXX. On XX/XX/XXXX, I spent {$21.00} on order XXXX and also {$21.00} on order XXXX. I waited the 90 days it stated it could take to receive the cash back. After 90 days I called BoA and they said I should receive the funds very soon. It has now been almost 180 days and I have not received the cash back.

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 2018-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Glass Mountain Capital, LLC
State: TX

Complaint narrative:
Purchased item on XXXX using XXXX XXXX  in XX/XX/2016. Item advertised as being new and in working order. Item received suffered from factory defect. Attempts at contacting merchant were unsuccessful. XXXX instructed me to work with XXXX as " they would help ''. Only option at XXXX was to file a claim. Claim erroneously denied with XXXX stating this was a " warranty issue '', which is incorrect as the item received was not as advertised, i.e., " significantly not as described ''. I have spent nearly two years trying to get XXXX to fix their error, including sending two certified letters to their general counsel which never got a response. After the last certified letter to them, I stopped hearing from XXXX so assumed they just closed the issue. Now I am being contacted by a 3rd-party debt collector. XXXX never informed me they were turning me over for collections, and still does not acknowledge their determination was incorrect. I am happy to reimburse XXXX for their outlay to the merchant, as soon as I receive the item as advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: IN

Complaint narrative:
I bank with Regions Bank. I made a mortgage payment on XX/XX/XXXX.  This was a Thursday. The payment became a pending transaction on I believe Saturday XX/XX/XXXX. The payment posted on Monday XX/XX/XXXX. Sometime there after, some small debit card transactions overdrafted my account, even though I opted out of overdraft protection. By opting out of overdraft protection, my debit card is supposed to decline transactions without an available balance. On Tuesday XX/XX/XXXX, I recieved an email about my account being overdrafted. On my lunch break at work, I drove to the bank and deposited XXXX dollars cash with a teller inside the bank which was enough to cover the XXXX dollars and some change negetive balance. The bank teller said she could not explain how my account became overdrafted because I opted out of overdraft protection. She also said I would incur no fees and asked about transactions related to my account, none of those transactions being my mortgage payment, im assuming because it had already posted. She gave me her card and told me to call her if there were any issues and that she did not think and was pretty positive Id incur no fees. She printed off my statement. So, on Wednesday XX/XX/XXXX, I checked my account to see my mortgage payment returned and a returned item fee for the returned transaction. That same day, I contacted my morgtage servicer and they had not recieved a returned payment notice. My mortgage servicer is XXXX XXXX XXXX. I find the timing of this to be very suspicious, as I am behind on my mortgage and have until XX/XX/XXXX to pay past due balance or the bank will start the forclosure process. Now, I dont know how to make my mortgage payment. I dont know if I should make 2 payments or 1. I dont if the my mortgage servicer will attempt to make that payment again and I will not have enough money in my account to make 3 mortgage payments in 2 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 2018-05-24 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: GA

Complaint narrative:
The following account has been paid on time with no history of late payments : XXXX/XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Federal law requires that Transunion provide mechanisms to ensure that each item on my credit report is reported accurately. The above item is inaccurate, misleading, or incomplete ; They may have violated federal law. 

I have enclosed copies of the good standing letter as proof of on time payment history with no history late wit XXXX/XXXX XXXX  XXXX. This is proof that Transunion has an inaccuracy on my credit report, therefore I demand that they update this account immediately, & all references on my records. In light of the provided document I expect Transunion to correct this inaccuracy immediately. I would also like a re-score and an updated credit report showing the correct information and my true credit score.

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 2018-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: CO

Complaint narrative:
My dad passed away unexpectedly in XX/XX/XXXX and my sister and I inherited his house and his mortgage with PNC Bank. In XX/XX/XXXX I had to switch the homeowners and earthquake insurance to my carrier, XXXX, because my dads carrier wouldnt allow us to stay with them because we werent already customers. In late XX/XX/XXXX I received notice from PNC that the XXXX policies werent listing The Estate of [ My Dad ] as a beneficiary, and if I didnt get this corrected, PNC would force place a policy. I contacted XXXX on XX/XX/XXXX and three way called PNC - the PNC rep told the XXXX rep what the policy needed to say, and the XXXX rep made the change and sent the updated policy info to PNC with The Estate listed as an additional beneficiary. The PNC rep confirmed that they had what they needed and would not force place insurance. On XX/XX/XXXX I called PNC again ( since they have been horrible to work with and I dont trust them ) to confirm that all the insurance info was correct. I had a bizarre exchange with a rude PNC rep in which she made up a story about someone from XXXX named XXXX ( no such person exists in connection with my account ) calling her, but ultimately PNC confirmed again that the insurance information was adequate and that they would not be force placing the insurance. The following week I received the declarations page from XXXX indicating that The Estate had been added to my policies as an additional beneficiary, consistent with what PNC asked us to do. Then I receive a letter from PNC dated XX/XX/XXXX stating they force placed the insurance. PNC needs to remove the force placed insurance and refund my account because the house has already been insured through XXXX since XX/XX/XXXX. I believe PNC is a dishonest and unethical company who is simply trying to make extra money off a couple of sisters in the chaos following the sudden death of their dad. PNCs employees have demonstrably lied to me by making up stories about XXXX from XXXX calling them out of the blue to explain declarations pages. My coverage under the XXXX policies is wholly adequate - it lists The Estate as an additional beneficiary in compliance with how PNC instructed XXXX to update the policy. PNCs representatives confirmed on multiple occasions that the policies are compliant and that they would not force place a policy. As an insurance attorney, I can state that the XXXX policy is in compliance with the changes requested by PNC - to list The Estate as an additional insured - and the coverage is legally adequate to protect PNCs secured interest in the property. There is absolutely no legal reason that PNC needed to force place insurance on my dads house. I believe PNC force placed the insurance in order to extract extra money from me, thinking that they have worn me down with frustration and I wont fight them. I believe PNCs actions are in violation of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Unifirst Mortgage Corporation
State: PA

Complaint narrative:
I have been trying to contact XXXX XXXX and XXXX for 1 month but neither one of them have returned mine or my fiancs, XXXX XXXX, phone calls. 
We have worked with XXXX XXXX since about XX/XX/XXXX with intentions to use your mortgage company. We met with XXXX once and he stated about this {$290.00} to help with XXXX credit. He never said it was non-refundable nor did it even help at all with his XXXX credit. XXXX then emailed us a contract for us to electronically sign. Like the gullible, nave people we are, we trusted XXXX and your company and signed it. Somewhere In that very tiny print it stated that this {$290.00} was non-refundable. We received this paperwork in the mail for us actually to sign, which we never did!!! Things went very quickly and we found a house, we gave XXXX the numbers for this house and like everyone else in this world we shopped with other mortgage companies. We went to 2 other companies and neither of them took any money from us! We found one that XXXX  credit was better and so were the numbers for everything else making our monthly mortgage payment cheaper so we went with that company. We then asked for our {$290.00} back. XXXX then informed us it was non-refundable. And then at that point did I look through the packet and find the actual paper that says it. But that paper did not have our signatures. 
XXXX then stated that he wanted another chance to match the numbers of this other mortgage company and if he couldnt match it he would return our {$290.00}. So, we gave XXXX the opportunity and sent him this other mortgage companies numbers but then XXXX did not fulfill his deal and never gave us UniFirsts Numbers. Therefore, another reason our {$290.00} should be returned to us. 
I come to you as a hardworking, honest, trustworthy person who works very hard for our money and values every XXXX. XXXX and I are getting married in 2 months and have XXXX children we are blending. {$290.00} is huge to us!!! If I was told from XXXX in our one and only meeting that this was non-refundable then I would have NEVER given it to him! I am asking you to please return our {$290.00}. 
We have been trying to reach this owners of this company for a while now and would like at least acknowledgement that you have received my phone messages as well as this email. If not, I will be contacting the better business bureau as well as the consumer financial protection bureau. I would also hate to let all of our family and friends as well as social media know the bad experience we have had with UniFirst Mortgage. 

Thank you XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2018-05-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES
State: SC

Complaint narrative:
XXXX called me on my cell phone and left a voicemail saying they were " returning my call regarding student loan forgiveness. '' They called on XX/XX/XXXX and XX/XX/XXXX in the afternoon. I called the number suggested : XXXX on the XX/XX/XXXX at XXXX XXXX, since I had recently inquired about the teacher loan forgiveness program to my loan service provider. 
I called and was transferred to XXXX XXXX of the National Student Aid Care program who said he could help me register for the Public Service Loan Forgiveness Program until I could qualify for the XXXX  Loan Forgiveness Program. He knew about both programs extensively, my exact loan amount, my interest amount, how many loans I had, my current monthly payment, and that I had recently come off of income-driven repayment. 
He asked to verify my identification by sending a 6 digit code to my email address, so I went to that email ( which he knew ) and read him the code that was sent. I later realized that email was a request to reset my password on my Federal Student Aid account. He changed my password after the phone call. He asked about my address, income, family size, mom 's number and address, aunt 's number and address, and many charming, personal questions. He sounded very knowledgeable and helpful. 
He said he could get my loan down to $ XXXX/month for 4 months and then $ XXXX/month for 120 months until my loan would then be forgiven if I had served as a teacher for that time. The monthly payment would change as my family size did. Interest would also not accrue during this period. He said he needed an account and routing number from my bank to have on file until I could get him my mom 's new account info. He knew what bank I was a member of. 
It was not until I was in the midst of signing and reading an e-contract sent to me that I realized the {$790.00} of the first four payments would go to him and his company, not my loan balance. Then, when asked if I could talk to my mother before finishing signing, he said I should go ahead and sign because I could cancel the program at any time. 
I was not comfortable with this, looked up the number, and realized it had to be a scam. 
I have filed complaints with the Federal Student Aid program, report this to my loan service provider, frozen my bank accounts, changed my Federal Student Aid information, added a verbal password to my loan account, and put an initial fraud alert through XXXX. I will also contact my local police and see if any further steps need to be taken. 
Please DO NOT hesitate to contact me for further information. I have all of the supposed addresses/numbers/faxes of the company/man, and I have the emails he sent to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Tebo Financial Services, Inc.
State: OH

Complaint narrative:
I understand when a payment is late it is in default ; however, this company 's collection practices are not only extreme but harassing. They have become such a nuisance that I have had to block them from calling my cell phone ( they can still leave a voicemail ) and request they not call my place of business ( they still call and leave voicemails ).

My payment was due on FridayXX/XX/XXXX. On Monday XX/XX/XXXX I received 3 phone calls, 2 on my cell phone and 1 at my place of business regarding this payment.

On Tuesday XX/XX/XXXX I received 3 phone calls, 2 on my cell phone and 1 at my place of business regarding this payment.

On Wednesday XX/XX/XXXX they contacted my mother and friend, both whom I listed as references, to inquire on my whereabouts - how embarrassing! My payment is not even a week late and they are contacting my references??? Ridiculous.

Company response to consumer: Closed with explanation