vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-09 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: VA

Complaint narrative:
The following ( 9 ) hard inquiries to my credit are not authorized and I am requesting that they are removed from my credit repot. They are on my Equifax report but not on my XXXX XXXX report. * XXXX XXXX XXXX XX/XX/XXXX ; inquiries were made by XXXX XXXX  XXXX for the following dates:XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I would not keep applying for credit over and over again to these organizations knowing it would add more negative impact to my credit. I did not authorize these inquiries. Please remove right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 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: Diversified Consultants, Inc.
State: CA

Complaint narrative:
I had alarm services with XXXX XXXX XXXX and there were constant issues with the service and after notifying XXXX XXXX XXXX that I wanted to discontinue services, they suggested that I keep the services and notify them again at the end of month. This was around XXXX and XXXX. I figured that because I could not get internet connection, interruptions, and faulty alarm systems that the services had been discontinued from my initial request. 

The following collection accounts have negatively impacted my credit scores and because of the service failure from XXXX XXXX XXXX and overall negative experience, I would like these deleted from all three credit reporting agencies. I also was not properly set up to access the actual account so I was surprised when I was contacted about these collections after two years. 

DIVERSIFIED CONSULTANT XXXX XXXX XXXX XXXX XXXX opened XXXX DIVERSIFIED CONSULTANT XXXX XXXX XXXX XXXX XXXX opened XXXX Diversified : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: MN

Complaint narrative:
I was billed {$100.00} by US Bank as a garnishment fee

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 2019-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I opened a checking account in branch on XXXX for a {$500.00} bonus. I completed the requirements for the bonus but only {$300.00} was credited to my account on XXXX. I sent a message to the company on XXXX and was told that the bonus for {$500.00} didn't exist. I told them that I had documentation showing my bonus and they told me I had to go into the bank. I went into a branch on XXXX and my documents were uploaded. I was told it would take a week to fix and I heard nothing. I sent another message on XXXX that asked the status and was told that my request was esculated and I would hear in mail in 14 days and I haven't received anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-09 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
the company XXXX XXXX XXXX is reporting on my Experian Credit report even though I've disputed it 3X and Experian wont tell me how they validated that account when its a fraudulent account. I want it removed, it is not mine nor do I have any knowledge of the account. I've reached out to the company as well and they must work with Experian because they cant/wont ' send me proof or validation of the account with my signature on it.

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 2019-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
What happened? Two time in a few years I found in my account with Wells Fargo Bank spendings among my spendings! It is very interesting that most of them were with the same companies and pretty close of mine as values! I talk to customer service : they were very amiable, asking to be forgotten, and immediately they returned money in my account and sent me a letter with a paper to be filled up and signed by myself that really I didnt do those spendings! This time I found a {$300.00} atm withdrawal in XX/XX/2019! Because I could access my account through my phone, I did make the habit to do it, 2-3 times weekly! This withdrawal appears just in XXXX of XXXX 2019! On XX/XX/2019 I talked to customer service! There was a man who locked out my debit card and said in 7-10 I will received another one, and the money will be returned! 
The amount remain, card was not sent, and Bank called me through a lady, who treated me like I was the thief! I showed her my proofs : 1. Because I came from my country on XXXX. The 3rd evening I was very tired and the next day I stayed in my home for rest 2. I came with a few thousands dollars from my country, the value of my retirement there, than I did not need cash 3. They did not sent another card according to their promise and the letter with papers to fill out 4. This intimidating talking with her After all these Bank Wells Fargo sent me a letter and concluded : I withdrew {$300.00} without any proof against me! I was in the XXXX XXXX Wells Fargo Bank talk again with a banker there and, than with customer service! They refused my proof and promised to send a letter in 30 days with their proof, which they did not want to tell me in our talkings!

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 2019-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX & Transunion continue to erroneously report multiple public record items that their public records vendor is not reporting ( see attached ). Additionally, XXXX has covered the fact that XXXX is it's public records vendor in a malicious effort to harm the consumer ( ( XXXX PUBLIC RECORD SETTLEMENT Case No. XXXX ( XXXX. XXXX ) and Case No. XXXX XXXX XXXX. XXXX ) United States District Court for the XXXX XXXX XXXX Virginia ) ). I am requesting these credit bureaus be investigated in my case ...

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 2019-02-09 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: SC

Complaint narrative:
I checked my credit score recently and saw that there was a hard inquiry done by XXXX on XX/XX/ 2018 on my credit report that was not authorized by me neither was I informed of a credit inquiry being done on my credit report. I later spoke to XXXX XXXX XXXX and they told me they want to know my credit score and then a hard inquiry which I did not authorize also the car that they sold me was a lemon so I took back the car.

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 2019-02-09 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: SC

Complaint narrative:
I checked my credit score recently and saw that there was a hard inquiry done by XXXX on XX/XX/2018 on my credit report that was not authorized by me neither was I informed of a credit inquiry being done on my credit report. I later spoke to XXXX XXXX XXXX and they told me they want to know my credit score and then a hard inquiry which I did not authorize also the car that they sold me was a lemon so I took back the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 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: SC

Complaint narrative:
I checked my credit score recently and saw that there was a hard inquiry done by XXXX on XX/XX/2018 on my credit report that was not authorized by me neither was I informed of a credit inquiry being done on my credit report. I later spoke to XXXX XXXX XXXX and they told me they want to know my credit score and then a hard inquiry which I did not authorize also the car that they sold me was a lemon so I took back the car.

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 2019-02-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: SC

Complaint narrative:
This company is raising the amount a XXXX and then reporting I paid a XXXX, they have also doubled the amount owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 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: OH

Complaint narrative:
I want to report my ID stolen. I was looking to buy a car this weekend and I pulled my credit report and found addresses and bills that do not belong to me. 
someone is using my Name and ID to open accounts. I have never had a loan with XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX , I cant find any bills or records of me doing any business with theses companies. I have filed a report with the FTC and CFPB. Not sure what else to do. I have turn in the paperwork to the companies as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-09 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hello XXXX XXXX loan should be updated as closed and paid off. Document as proof attach

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 2019-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC
State: NC

Complaint narrative:
I received a letter from " GC Services Limited Partnership '' with the return address of XXXX XXXX XXXX, XXXX PA XXXX. The provided phone number was XXXX The letter was to inform me of a fraudulent {$1100.00} debt on my " account with XXXX ''. I know that this is fraudulent because I have never been a customer of XXXX in my life ; I have used XXXX XXXX XXXX since my first cell phone, and I have always been on a family plan -- I have never had a phone bill in my name. 

I considered calling the company, but given a XXXX search I inferred that they are a predatory collection agency and decided I would have more success contacting the CFPB first.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 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: WY

Complaint narrative:
At some point in history, Equifax changed my ( XXXX XXXX XXXX ) birthdate to XX/XX/XXXX ... when in fact it is XX/XX/XXXX.. Have talked to countless representatives from XXXX ( ? ), numerous faxes were sent over the past 4 weeks that included my birth certificate, social security number, drivers license and a utility bill trying to get my information corrected so that My family and I could continue with the process of getting a mortgage. Even created an account with the Equifax membership program to resolve this issue. All these efforts have actually changed my sons ( XXXX XXXX XXXX ) birthdate to XX/XX/XXXX ... instead of his XX/XX/XXXX actual date of birth. Again, sent information that confirms his identity .... How do I fix this??

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: First Technology Federal Credit Union
State: OR

Complaint narrative:
We have a HELOC with First Tech Federal Credit Union, which has always had a zero balance, and they charge us a {$100.00} annual fee to keep the account open. We never received any notification that it was time to pay our {$100.00} fee in XX/XX/XXXX, but we noticed the {$100.00} balance when we logged in and we paid it before the due date. Without our knowledge, they also charged us {$0.00} of interest on that {$100.00} fee, which wasn't reflected in the balance due so we didn't know about it. Because we didn't pay the {$0.00}, it appeared as past due so they added a {$5.00} late fee to our account. They never sent us a notification about any of this, and whenever I logged into my account it showed a balance of {$0.00}. In XX/XX/XXXX, they reported the account as " delinquent '' to the credit bureaus because we had an unpaid balance of {$5.00}, but they never told us that we have an unpaid balance and it still shows a balance of {$0.00} when I view my account online. When I called their customer service department, the representative was completely unapologetic and made it seem like it was all my fault. Now their mistake is negatively affecting my credit score, which isn't right.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
XXXX, XXXX XXXX XXXX XXXX XXXX KY XXXX TO SEND PAYMENTS, CITI XXXX XXXX   XXXX XXXX XXXX, SD XXXX ALSO has an agreement with XXXX XXXX d/b/a XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) where CitiMortgage will utilize XXXX XXXX to perform various servicing functions for my 2nd mortgage I have had since XXXX to XXXX. The BBB has all bad reviews and XXXX is not an accredited by the XXXX. XXXX is a fraud and scam consumers. I have talked with CITI and they will not help. XXXX XXXX TERMS and AGREEMENTS are not acceptable, but you have to agree to them to pay your mortgage. We have not agreed and would like the federal government to see the people begging for help. I would like to know my options and where to turn for help. Letter stated ACTIONS NEEDED, Beginning XX/XX/XXXX all mortgage payments should be made to XXXX XXXX directly. To reach XXXX   XXXX  call XXXX. MY NEW ACCOUNT NUMBER: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 2019-02-09 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: AZ

Complaint narrative:
Equifax & XXXX continue to report public record items their vendor XXXX is no longer reporting in blatant violation of the FCRA. Additionally, XXXX has maliciously thru deceptive practices hidden the identity of their public records vendor in an effort to harm consumers ( ( XXXX PUBLIC RECORD SETTLEMENT Case No. XXXX ( XXXX XXXX ) and Case No. XXXX ( XXXX XXXX ) United States District Court for the XXXX District of Virginia ) ) I am requesting CFPB investigates these matters ... 

Equifax PUBLIC FILINGS XXXX-XX/XX/XXXX XX/XX/XXXX XXXX-XX/XX/XXXX XX/XX/XXXX XXXX-XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  PUBLIC FILINGS US BKPT CT IL XXXX   XX/XX/XXXX US BKPT CT IL XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 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: PA

Complaint narrative:
Hello XXXX XXXX loan should be updated as closed and paid off. Document as proof attach

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 2019-02-09 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX/XXXX XXXX loan should be updated as closed and paid off. Document as proof attach

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed a fraud on my credit report through XXXX XXXX .I contacted u all and it was deemed fraudulent after u guys investigated it.I sent a copy of the message I got from the CFPB and sent it to Transunion and they are saying after their investigation its accurate.The acct was XXXX XXXX which was sold to XXXX 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 explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX & Experian continue to report public record items their vendor XXXX is no longer reporting in blatant violation of the FCRA. Additionally, Experian has maliciously thru deceptive practices hidden the identity of their public records vendor in an effort to harm consumers ( ( EXPERIAN PUBLIC RECORD SETTLEMENT Case No. XXXX ( XXXX. XXXX ) and Case No. XXXX ( XXXX. XXXX ) United States District Court for the XXXX XXXX of Virginia ) ) I am requesting CFPB investigates these matters ... 

XXXX PUBLIC FILINGS XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Experian PUBLIC FILINGS XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
Hi, I hope all is well. On XX/XX/XXXX, while I was still away on business, and eventually en route back late evening from Florida, there were multiple fraudulent transactions which had taken place in the vicinity of XXXX XXXX. 

Upon review of my account on Monday, XX/XX/XXXX, I discovered these transactions, which were still pending at that, and called into to my bank, TD Bank, to ask about further color on these transactions.

While speaking to TD, they disclosed to me that the credit card transactions had taken place on a number linked to my account, which should have been shut down in XXXX. In TD Bank 's words, the account was " closed improperly ''. These transactions on that particular card number should never have taken place. These transactions totaled {$120.00}. 

In addition, there were multiple ATM withdrawals which totaled {$630.00} on that day. In addition, there were 6 inquiries on these atms on my account, with additional charges totaling {$18.00}.

I was also told that " Leadership '' would be calling me within 24-48 hours, as they were going to review the process around closing down that particular credit card number linked to my bank account from mid XXXX. I still have not heard back from " Leadership '', some 5 days later. 

The charges ultimately did not post to my account until XX/XX/XXXX. I was told I have to wait until these charges posted to file a dispute. 

Also, I had called to get the location of the XXXX XXXX transaction, hopeful that I could have it looked into by XXXX XXXX Police. TD Bank had informed me that they were unable to find that information, knowing only that it took place in XXXX XXXX. 

I have also filed a police report, and have shared the police case number with the bank.

Company response to consumer: Closed with monetary relief