vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-28 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: FL

Complaint narrative:
I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. If you can not provide any signed documents of me giving authorization to perform this act please remove ALL inquiries from all credit bureaus youre reporting on my credit report immediately! Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for anything with your company. Theres no accounts tied to these inquiries on my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. If you can not provide any signed documents of me giving authorization to perform this act please remove ALL inquiries from all credit bureaus youre reporting on my credit report immediately! Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for anything with your company. Theres no accounts tied to these inquiries on my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-28 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:
Checked my credit report with XXXX XXXX on XX/XX/2019. When I called Transunion, XXXX answered the phone, however I could not understand him and he could not understand me. He was talking over me as I was asking him questions. When I was tired of trying I asked to be transferred to someone I could understand. He stated that I would have to call back because he could not transfer me they were to busy. At that point I hung up and called back and made a complaint with another transunion member. I was shocked that a credit reporting agency had someone who could not speak English and who was so rude. All I can say is God help America. Is this what our country has come to. I believe everyone should have a job if it is what they want, however rudeness is not accepted, especially if you do not speak English.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: TN

Complaint narrative:
XXXX XXXX alerted me that i had a collection..i never got a bill or notification of this debt..i have signed nothing with this company.. I owe this company nothing..phoenix financial services..opened XX/XX/2019..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
On XX/XX/XXXX, I filed a fraud report in reference to XXXX XXXX XXXX, receiving funds, in the amount of {$1500.00}, for work not completed. I explained to the Bank of America ( BOA ) representative, about the delay of filing the fraud report. This company initially installed the first system of cameras at my business with no problems, and when Mr. XXXX stated I needed to upgrade and he needed to purchase more memory and new cameras. I signed for the funds because Mr. XXXX stated he needed the funds upfront, in order to purchase the new equipment. I began calling Mr. XXXX in XXXX, XXXX, with negative results. I called and texted Mr. XXXX for three ( 3 ) months, with negative results, before contacting BOA for a fraud report. In XXXX, XXXX, I received a letter stating BOA completed their research and closed the case. So I called BOA, and the representatives were so rude and XXXX, the call center was in XXXX. The representative was yelling at me because I kept asking questions about the person who actually did the investigation, then I asked to speak with a supervisor, and she transferred me to another woman, then this woman, she transferred me to a man, who stated he was a manager of the fraud call center. By now I am beyond frustrated, so the entire time I was on the phone with the call center ( 2 hours ), I was also online filing a complaint about the behavior of the call center representatives. I have faxed the pertinent information, at least three ( 3 ), and spoke with 3 different ombudsman representatives about my complaint, or the lack of investigation on this matter. My last straw was the last ombudsman phone call, and she stated that their decision was not going to change, and the letter from the new installation company did not have letterhead. I said " Mam '', after six ( 6 ) months of telephone conversation, and sending requested correspondence, this is your explanation for the denial of my fraud request. I believe BOA made no effort to assist with my case, and the unprofessionalism and incompetence of the investigator, the fraud call center, and the last ombudsman I spoke with, is very disappointing. I have been a member of the bank since XXXX, when it was named XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
Ok first my identity was stolen and someone got ahold of my sears MasterCard and made unauthorized purchase and luckily I caught them in time and after they didnt get the products they ordered without my authorization they called and had my account closed I tried to get it opened multiple times and got nothing but more hard inquiries on my credit report and would like to get my account back open and in good standing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
Hello there, I am trying to work with Quicken Loans, its 3 days before closing, and Quicken has informed me I must come up with an additional 5 % down to get this loan. They have stated that the HOA on the condo is short .03 % in reserves and therefore I must come up with another {$12000.00} in 3 days to close the loan. I have had ALL my documents in ON TIME and signed mortgage disclosure, locked in the rate, and all other requirements to satisfy the loan. They DID NOT do the proper due diligence on their side in a timely matter to close this on time ( XX/XX/2019 ), the whole while saying I could sign on XX/XX/2019 and close on XX/XX/2019. They came up with several last minute problems to cover their lack of timely due diligence. Also, my current home has a loan with Quicken Loans and has a tenant moving in 5 days. Therefore, I will have to stay in a hotel and move my personal belongings into a storage unit. 

1. They sent an appraiser out to my current address, on Sunday morning prior to close, and never communicated this to me and he could not get access to the property through the guard gate. He never left a card and I could not contact anyone at Quicken loans to clarify this matter or even call him back. 

2. They came up with the HOA shortage 3 days before close even though they had contacted the HOA several weeks beforehand. 

All in all its costing me twice as much in down payment and closing costs to get this done and 24 before I was supposed to sign documents and 72 before close of escrow. 
That said this is a major financial, emotional and physical constraint for me at this time while undergoing XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 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: TN

Complaint narrative:
I have been using Experian credit monitoring for over the past year to keep track of my credit activity. Although I was paying them and getting weekly or biweekly emails, they failed to find negative activity on my report. I was an authorized user on XXXX card and XXXX XXXX XXXX card without my knowledge. XXXX XXXX and XXXX had the correct info, But Experian did not. Therefore my credit was getting worse without me knowing although I had faith and I trusted this company to monitor my activity. I was not aware I was an authorized user even though I removed my name from those two accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Local Management, LLC
State: SC

Complaint narrative:
XXXX the manager of the XXXX branch of Local Finance LLC, contacted me last week on XX/XX/2019 about my payment - which is late. I informed her that I have had a change of jobs & financial situation & I would be unable to make a payment until XX/XX/2019. Today, XX/XX/2019, XXXX called my office ; after I specifically asked her not too ; and proceeded to tell a co-worker that I was behind on my loan, how much I owed and shes considering filing legal against me. After that call, she contacted my husband, threatened him with legal action, he ISN'T on my loan & asked him if he liked the police at his home because they would be here tonight with arrest warrant for me unless he paid my account up to date. I called the office & spoke with her, asking why she contacted my place of employment & husband telling my financial info & threatening me. She proceeded to start screaming she was taking me to court, she knew where I lived and would be at my home tonight, she was bringing the police with her & I hung up on her.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Went to mall and was enticed by sales person to buy a ring that normally was priced at {$4400.00} but that it was listed at 75 % off due to XXXX of XXXX sale they were having. They had me apply for credit. They gave me 2 credit cards for an unknown reason. I only applied for one. This other credit card showed up after the period to return the ring. One was XXXX and the other I can not remember. The total price was supposed to be {$1500.00}. I had to have XXXX so I was out. My husband made the payments to the jeweler until I could get a chance to resolve the issue. When I was health again I went back to the store with the paperwork that I had received. They attempted to say that I had agreed to other charges but they could not provide me any papers that verified this. I did not sign any other papers. I had all papers I had signed and none of the numbers matched. I called the manager, I called the main office. I could not get any documentation of any other charges. I received an inheritance and told them I would pay them the {$1500.00} that the price was supposed to be. They refused and would only accept {$4400.00}. I have sent written requests to validate the debt but I can not get any response. 
They reported all of these accounts on my credit : SYNCB XXXX XXXX/ XXXX SYNCB XXXX All opened XX/XX/17. How would I have taken out a total of {$7700.00} in credit to buy a {$1500.00} ring?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: OK

Complaint narrative:
Transworld System Inc. is reporting a medical collection in the amount of {$1800.00} opened XX/XX/XXXX and I have not had any medical bills for XXXX. I had a collection back in XX/XX/XXXX for a different amount. They do not report the date of last activity on either of these reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My first name & last 2 numbers on my SSN have been wrongly entered in Equifax system. Two other credit bureaus ( XXXX & XXXX ) DO NOT show this wrong information. Ive been trying to get them to fix it for the past four months since XX/XX/2019 but every time I called, someone says the same thing, we need documentations. The proof of his name & SSN were sent multiple times. But no action were taken by Equifax. Every staff seems to not know what is going on as there are no note taken & they dont know what previous staff do. Im unable to obtain a mortgage loan bc of this information. It is unfair for me that they have the incorrect information but not willing to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
I bought my house in XXXX back in XX/XX/2018 we had XXXX XXXX with our previous house so we decided to transfer our service with our new house. However XXXX XXXX could not get service to work in our guest house and refused to acknowledge the problem I became annoyed and cancelled my service. Within a few days of getting my service turned on with XXXX XXXX. I tried XXXX and was not thrilled with their Data usage so I decided to give XXXX XXXX another try and they told me they would fix the problem with my guest house. However the day XXXX XXXX was due to set up service the Tech called me and he was at the wrong address. A couple streets over there is also a XXXX XXXX XXXX XXXX but we live on XXXX XXXX XXXX XXXX Due to the  way XXXX XXXX is they said they could not fix the address issue without cancelling service first and they would not be able to turn service on for at least two weeks. This was not a feasible option for us as my daughter needed the internet for college. So I cancelled with XXXX XXXX and ultimately decided to go with XXXX again. At this point I did not have any outstanding bill with XXXX XXXX. 
I received a call a while back from XXXX XXXX and the man on the phone stated I owed XXXX XXXX money it was around {$100.00}. I told him I absolutely did not owe any money to XXXX XXXX and I have my bank statements to show it, he looked at something and then said oh yeah I see the mistake Ill correct it. From my understanding XXXX XXXX corrected the error that I had an outstanding bill. I also can not find the account number that this Radius XXXX is claiming I had through XXXX XXXX. Attached are all the account numbers I could of possible had with XXXX XXXX from my previous house and the times I cancelled and set up service. Of note I also never received a bill from XXXX XXXX with the account number they are claiming I owe. Please look into this as I take my credit very seriously and do not appreciate a big company such as XXXX XXXX coming up with a bill out of the blue and sending it to collections. See the attached receipts as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 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: OpenRoad Lending
State: FL

Complaint narrative:
I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. If you can not provide any signed documents of me giving authorization to perform this act please remove ALL inquiries from all credit bureaus youre reporting on my credit report immediately! Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for anything with your company. Theres no accounts tied to these inquiries on my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 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: CORELOGIC INC
State: FL

Complaint narrative:
I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. If you can not provide any signed documents of me giving authorization to perform this act please remove ALL inquiries from all credit bureaus youre reporting on my credit report immediately! Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for anything with your company. Theres no accounts tied to these inquiries on my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Im a victim of fraud charges and the responsible company for this incident is BARCLAYS BANK DELAWARE Account # XXXX, date open XX/XX/2014. Around 2 years back I went to XXXX for vacations. I rented a car in XXXX XXXX. The car had an accident and the insurance paid for it but the rental company ( XXXX ) still charged my cc from Barclays Bank. I disputed with Barclays bank the incident and Barclays Bank did reverse the charge but did not removed the fraudulent related account from my reports. So Im reporting this incident to the Consumer financial protection Bureau so that Barclays Bank removes the fraud related account from all 3 reports. Im attaching police report and Federal Trade Commission reports. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Student Loan Financial Assistance
State: KY

Complaint narrative:
Student Loan XXXX  contacted me at work and I wasn't able to hear much and I think I agreed to them taking payments since I see an slfa.us has taken a payment from me. I have tried to contact them to cancel the payments with no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX To TransUnion, XXXX And XXXX Dispute Department, I recently pulled my credit report and I discovered upon viewing that the following listings below are reporting inaccurately. On the next page I have included a screenshot highlighting in yellow each violation as proof. Please Update the following to Paid As Agreed Immediately. 

Update XXXX XXXX XXXX to paid as agreed/never late because of multiple inaccuracies. 1. In the " Payment History Sections '' of the listings. XXXX and TransUnion is reporting that I paid in XX/XX/XXXX. However XXXX is reporting that I am 30 days late. How could this be? 2. In the " Last Payment sections '' of this listing. XXXX and TransUnion is reporting ( XX/XX/XXXX. ) as my last payment. However XXXX is reporting ( XX/XX/XXXX ) my as last payment. 3. In the " Open Date Sections '' of this listing. XXXX and XXXX is reporting ( XX/XX/XXXX. ) as of the date the account was opened. However TransUnion is reporting ( XX/XX/XXXX. ) as of the date the account was opened. These dates are inconsistent. Don't you get your information from the same company? 

I take this matter very seriously. 
" Iv'e included my Dispute Letter with Proof highlighted in yellow and a copy of my State Drivers License and Social Security Card.

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