vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-14 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: NJ

Complaint narrative:
Dear Trans Union : I recently reviewed my credit report and found unauthorized inquiries. 

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. 

The following inquiries are unauthorized : Creditor Inquiry Date XXXX, XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2018-11-14 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:
There is an account that has the same account number and has been reported 2 times on my credit report account number # XXXX has credit limit of XXXX and reports again for XXXX and has 2 different open dates I sent letters to XXXX, Transunion and XXXX   and they still said that I was verified, but it wrong because I the open dates also the card limit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 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:
There is an account that has the same account number and has been reported 2 times on my credit report account number # XXXX has credit limit of XXXX and reports again for XXXX and has 2 different open dates I sent letters to XXXX, XXXX and Equifax and they still said that I was verified, but it wrong because I the open dates also the card limit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 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:
There is an account that has the same account number and has been reported 2 times on my credit report account number # XXXX has credit limit of XXXX and reports again for XXXX and has 2 different open dates I sent letters to Experian, XXXX  and XXXX   and they still said that I was verified, but it wrong because I the open dates also the card limit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP
State: IL

Complaint narrative:
US Bank 's online account access site, in its Balance Transfer customer flow, states that a balance transfer can not be requested above the cardmember 's total available credit. This is factually false, as US Bank has a secret cap on Balance Transfer requests not disclosed in the CMA and not called out, or even alluded to in the online request screens. This secret cap is known only to customer service agents. When I called US Bank customer service on XX/XX/14, the representative knew about the secret cap but was unaware of how to calculate it. She had to confer with a supervisor for 10 minutes to be able to explain how it worked. She then stated that it would be easy for cardmember 's to figure it out, even though 1 ) it is disclosed nowhere and 2 ) phone agents themselves are unable to figure it out on their own. US Bank should be required to disclose their secret rules for the amount a balance transfer can be requested for. I had to try three times, getting rejected over and over, until someone finally was able to dig up the balance transfer authorization rules used by US Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: NY

Complaint narrative:
Hello, My name is XXXX, I have been a discover card member for several years. During my years with discover I had several financial struggles which led to the misuse of my credit card. I recently graduated from college in XX/XX/XXXX, and I paid off my remaining balance as soon as I got a stable job. I am writing this letter to ask if it would be possible to remove the two 30 day missed payments in XXXX and XX/XX/XXXX that I acquired during my time with discover. My goal was to pay off this card and I did. I would really like it if you could remove these two late payments. I am currently working on improving my credit score by paying off the debts that I acquire during college. I plan on going to grad school in a couple of years and I need to improve my credit to obtain loans. I am asking if it is in any way possible to remove those 2 missed 30 day payments. 
Thank you for your time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Avant Credit Corporation
State: CA

Complaint narrative:
On XX/XX/2018. I applied for a credit card and somehow it became a loan application. So, today XX/XX/2018 I called into the company and made a request to cancel the application because it was not what I thought it was ( credit card ). I also asked for the hard inquiry to be deleted from the credit reporting agencies. I spoke with XXXX who said he would transfer me to his supervisor XXXX in verification dept who would delete the hard inquiry. Now, XXXX says she can not remove the hard inquiry from my report. 

I thought I was applying for a credit card yet it was a loan instead, very misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion has had my account frozen and ... '' In Dispute " ..for over 4 months. I can not even get a response. I am on hold till they obey the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BTH Management
State: AL

Complaint narrative:
I am disputed this account which was originally owned by XXXX XXXX the original creditor. This loan was paid off in full. Once the location was closed I start receiving letters from the new company XXXX XXXX that informed me I owed a debt. I informed them that the account had already been paid and please fix it. Months later I see that XXXX XXXX the collection agency had acquired the account and is negatively reporting this on my credit report. I have asked that the validation of debt be received twice and have not received an response. According to the FCRA they have violated my rights and are damaging my credit file by reporting inaccurate and untruthful information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
sent them a letter to delete all inquires that don't have my written Authorization also delete all non account inquires

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Roycroft Management
State: MI

Complaint narrative:
We ( myself, my XXXX year old daughter and my old employer ) started receiving phone calls on XX/XX/XXXX regarding a past due payday loan that I don't recall having from XX/XX/XXXX. The calls were coming from a " process server '' saying that I was going to be served with papers between XXXX and XXXX XXXX either at my home or my work. My old employer was contacted three times as well as my daughter and myself. I did call the process server and got information on the company that set this up. The company is XXXX XXXX XXXX and they continue to call and leave messages on my daughter 's phone and mine even though I did call them back and asked them to discontinue the calls. When I called back they said that I had a loan that I owed for that they can now charge me three times the original balance and that the could charge me with check fraud. They have been scaring my daughter which upsets me. I have looked on my local district court website and there are no cases filed against me to even be served.

Company response to consumer: Untimely response
Consumer complaint received 2018-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
Someone produced fraudulent documentation to scam PayPal. There was no sale, or service transaction. It was a personal loan through a website called XXXX. This person loaned me funds for a small personal loan. I repaid them using my PayPal account. After they were repaid they filed a claim stating they weren't sent a product I sold them. I've never sold anything to anyone on line ever. I've tried to file a police report for fraud, but PayPal will not cooperate with the information the detective needs. This is a criminal matter, because it involves fraud. I've fought back, and forth with PayPal since XXXX. Two weeks ago I spoke to a representative on a recorded line who assured me this time my account would reflect a XXXX balance owed. Still nothing has been done. I've emailed numerous times, called, and sent the proof through my PayPal transaction history this person was repaid. I'm sorry PayPal got scammed, but I'm not accountable. They insist I owe them almost {$1500.00}. One charge for {$1000.00}, and the other is for {$500.00}. I keep calling/sending emails, and at this point I'm very disappointed in how they've handled this serious matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-14 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Submitted ID and social security card copies via online ( several months ago ) and via certified mail over a month ago as i was unable to access credit report. I believe equifax has the wrong last four digits of my social security. My credit card was closed and after filing complaint with credit card i was informed : On XX/XX/2018, we received an ownership dispute directly from Equifax. We conducted an investigation, and the account was permanently closed. The closure of this credit card which was my only card resulted in a drop of score from 700 's to non existence. Called via phone and was told they do have the correct social security so i am not sure what is going on with equifax and why the ownership dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2018. I applied for a credit card and somehow it became a loan application. So, today XX/XX/2018 I called into the company and made a request to cancel the application because it was not what I thought it was ( credit card ). I also asked for the hard inquiry to be deleted from the credit reporting agencies. I spoke with XXXX who said he would transfer me to his supervisor XXXX in verification dept who would delete the hard inquiry. Now, XXXX says she can not remove the hard inquiry from my report. 

I thought I was applying for a credit card yet it was a loan instead, very misleading.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I had several fraudulent charges appear on my account. 
All charges happened at the exact same time and fro the exact same ammonts {$100.00} each. 

I did not make or authorize any of these transactions. 

I opened a dispute with PayPal and was quickly denied any recourse.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The Equifax company, for decades, since the beginning of that company, has NEVER been able to verify my identity, and therefore, refuses to respond to my registered postal mailings, my emails, my phone calls, or anything. I have never received a credit report from Equifax, since the beginning of that company. They only thing Equifax has ever done is mail me a piece of paper saying they can not verify my identity. 

Today, I was denied the opportunity to open an account for home internet service because the internet service provider uses Equifax, and Equifax has frozen my credit report. Without home internet, I am unable to interview for online jobs with companies, and am unable to be employed online with many companies. All this is due to Equifax. 

This is not a one-time episode of Equifax meanness. This has been their everyday routine since the beginning of that company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I've sent various letters to XXXX XXXX with no response. Each certified letter has been returned. I am simply asking the company to remove the account from there office and return it to the original creditor so that I am able to settle and regain my credit history. I saw that the account has been closed but still reporting negatively on my credit report. I do not know what else to do. If the account is closed how is it still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: LUCKY MONEY, INC.
State: NJ

Complaint narrative:
Ive always send money through Lucky Money but now they suddenly changed the turn around time for receiving the funds to 5 business days!  Who does that? Never again. They said the policy was changed and I was not aware and was never informed. Every month I always send money through them and now they suddenly changed the policy. Plus their customer service is USELESS! Transaction # XXXX. I have to send an email to their dept. when they already took money from my bank. Now I am screwed with my payment due in the XXXX. Thank you Lucky Money for the inconvenience youve caused me Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I opened a checking account with TD Bank in XX/XX/2018. I was told for the first 90 days my deposits would likely get a hold placed on them, including my paycheck. I was okay with this and understood. However, it's been well after 90 days and my paycheck gets a hold placed on it continuously. I get paid bi-weekly, generally the same amount, and I'm told by the tellers that the funds should be available the next business day. In my experience with banks, usually the funds are available Saturday if you deposit Friday, however this has not been the case except for one time. Since opening my account, my paycheck has not cleared as expected except for one time. This causes me to have to visit a branch, I've been to multiple locations and spoke to managers at 3 separate branches. I'm told these holds are dynamic, and that they can release my funds manually but can't give me a reason why it's happening. I've been assured it will be handled, but it still has not. I'm afraid to deposit my check into my account because sometimes the hold lasts 3-4 full business days, almost a full week from the deposit date. I have automatic bill payments going through, as most people do these days, and it will cause overdrafts, which I have to spend more time in the branch getting refunded.I keep being told the " back office '' needs to fix the problem, however consumers can't actually speak to anyone there. I went into the branch in XXXX, FL today, and spoke to XXXX ( XX/XX/18 ). He said he saw notes on my account relating to the problem I describe, but couldn't provide any details or updates. I just don't think I can deposit my paycheck again with TD Bank, it's becoming such a burden and inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: IA

Complaint narrative:
Members XXXX XXXX XXXX XXXX change XXXX XXXX to XXXX XXXX XXXX. i start having problems sinceXX/XX/2018XXXX credit card holder increase the minimum payment without notice and increase the interest charge on purchase i don't purchase anything since XX/XX/2018 
XX/XX/XXXX minimum payment was XXXX purchase charge interest XXXX XX/XX/XXXX Minimum payment XXXX purchase charge interest XXXX XX/XX/XXXX minimum payment XXXX purchase interest charge XXXX credit car balance 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 2018-11-14 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
sent them a letter to delete all inquires that don't have my written Authorization also delete all non account inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
sent them a letter to delete all inquires that don't have my written Authorization also delete all non account inquires

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 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: PA

Complaint narrative:
Send in a Dispute for written contract and they said it was verified but it was deleted on XXXX that makes no sense to me and I told them and there playing games

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