vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-24 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: Credit Plus Inc
State: KY

Complaint narrative:
Hello, Credit plus is showing as a hard inquiry on XXXX, XXXX, and XXXX. 
I've not applied for any credit or given any authorization. 
I've contacted credit plus and had no help in resolving. 
CREDIT PLUS Inquired on XX/XX/2018 XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX *I am working with a bank for a home loan, but I have a relationship with them already, and they said they don't need to pull my credit yet. They did not ask for authorization, permission, and didn't inform me. I haven't idea if this has to do with them. I spoke w/rep at bank, and she said she's never heard of them. 


Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I receive a hard inquiry on my credit report almost every month from Chase Card and I do not own a Chase Card nor have I authorized them to access my credit report. I want them to stop checking my reports!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Accelerated Financial Solutions, LLC
State: NJ

Complaint narrative:
On XX/XX/2018 I received notification that I had a collection account from my credit notification account that I am a member of. A Company named Accelerated Financial Solution, I also received 3 calls. I explained to them that I was not aware of this account and they abruptly added this on my credit report. it's XXXX. I wrote to them 3 separate times and no response from them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I've paid my mortgage off in XX/XX/2009 and it is still showing on my credit reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Transunion refuses to report accurate information on my credit report. I have an XXXX XXXX account that shows a balance of {$700.00} that has been paid in full, I also have an XXXX XXXX account that is showing 90 days past due which is inaccruate. There are fraudulant charges on my account.I called XXXX XXXX who informed me that they have not received anything from Transunion to dispute the accounts. I have sent multiple letters to Transunion regarding this and have not received a response.

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 2018-06-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I receive a hard inquiry on my credit report almost every month from XXXX XXXX and I do not own a XXXX XXXX nor have I authorized them to access my credit report. I want them to stop checking my reports!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24 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: NY

Complaint narrative:
I checked my personal credit report, which I acquired from your organization on XX/XX/2017 I noticed an unauthorized inquiry had been made. 

I contacted XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.

Thank you for your assistance in this matter, 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 2018-06-24 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: NJ

Complaint narrative:
Transunion reporting inaccurate information

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 2018-06-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
In XX/XX/2017 my XXXX XXXX XXXX had GM Financial as an autopay account in the amount of {$400.00}. XXXX XXXX issued the check and removed the funds out of my account. This had been established and working for months prior and after. Apparently GM financial claims to not have received the check. GM Financial did not inform me they didn't receive the check until 60 days later. I provided them with my bank statements and autopay history to show them the check was sent and the funds were removed from my account. When they could not find the check I stopped payment and reissued a check which was received. They are continuing to report that I was delinquent on my account for the months of XXXX and XXXX when I did issue the check and have it mailed to them at the correct address. I never missed a payment or was late on any payments before and I am upset they did not inform me before the account was 60 days delinquent. I believe they lost the check and I am being reported negatively on my credit score for it when I have always paid my lease on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-24 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: NY

Complaint narrative:
I checked my personal credit report, which I acquired from your organization on XX/XX/2017 date of report ] and I noticed an unauthorized inquiry had been made. 

I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into [ XXXX XXXX ] inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.

Thank you for your assistance in this matter 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 2018-06-24 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: NJ

Complaint narrative:
XXXX reporting inaccurate information

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 2018-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
XXXX XXXX - XXXX I CONTINUES TO RECEIVE REPEATEDLY PHONE CALLS ALL THROUGH THE DAY NEVER SEIZES. 

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 ( XXXX XXXX ) XXXX XXXX ( XXXX XXXX ) XXXX XXXX ( XXXX XXXX ) XXXX XXXX ( XXXX XXXX ) XXXX THERE WAS MORE CALLS I WOULD NOT HAVE ENOUGH SPACE TO LIST THE OTHER PHONE CALLS.

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 2018-06-24 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: NY

Complaint narrative:
I was just made aware a hard inquiry was made on XX/XX/2018 was made to XXXX XXXX. This was not authorized by me. I did not request anything on said date. This is fraud. I just want this removed as I did not authorize 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 2018-06-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was just made aware a hard inquiry was made on XX/XX/2018 was made to capital one. This was not authorized by me. I did not request anything on said date. This is fraud. I just want this removed as I did not authorize it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I was nearly XXXX in a XXXX XXXX XX/XX/2018. During recovery in the hospital I failed to in sure the funds in my bank of America account were sufficient. While all my deposits went to my XXXX XXXX checking account, all of my withdrawals came out of my Bank of America checking account. Bank of America charge nearly {$500.00} in overdraft fees, and agreed to waive {$140.00} of those fees due to my incident accident. At that time I transferred {$1500.00} to cover all late payments and fees. Bank of America immediately with Drew the farthest from my XXXX XXXX checking account, But they held nearly the entire transfer ( pending ) for seven full days leaving me no access to the funds whatsoever causing exponentially higher fees from every single credit card I have on a daily basis as they re-tried/allowed retrial withdrawal and reversal the payment over and over charging {$35.00} overdraft fees to my checking account each time as well as a {$25.00} return payment fee to the credit card requesting the withdrawal. This math equals : {$35.00} + {$25.00} x 6 credit cards x 6 withdrawal attempts each within 1 week. This occurred after spending 4 hours on the phone with multiple levels of Bank of America supervisors is trying to solve the issue. My former complaint was over around {$260.00}. I know Im complaining over nearly {$1000.00} in overdraft fees charged after Bank of America America knew the full details of the severity of my near XXXX XXXX and the lenght, XXXX, and medical cost of that rehabilitation. A representative from Bank of America left me a voicemail on my cell phone around XXXX XXXX, and asked me to call him back at a extension number which I now realize was fake. Their social media department also sent me two separate links asking me to provide personal information, these links were both also fake. I assume this is an attempt by Bank of America to create fake evidence that they have attempted to resolve this with me. They have done absolutely nothing of the sort. I have spent nearly 72 talking hours on the phone with every financial institution Im connected to trying to solve this issue, which I have the funds to solve, but Bank of America has completely lost their mind with their automated theft machine that governs their customers checking 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 monetary relief
Consumer complaint received 2018-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have requested the following items to be removed from my credit report they were removed XX/XX/XXXX and then put back on my credit report. The below listed items are not valid debts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opend XX/XX/XXXX still showing open XXXX XXXX XXXX XXXX CREDITOR XXXX XXXX XXXX OPENED XX/XX/XXXX. 

I have tried to get these removed with no luck.

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 2018-06-24 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: PNC Bank N.A.
State: IA

Complaint narrative:
Pnc Bank has an account listed on my credit report with all three bureaus that is not mine. The account number is XXXX. I have disputed this since XX/XX/2017with a total of 8 letters to the credit agencies and two letters to Pnc Bank. I have also had several phone calls with XXXX XXXX at Pnc Bank in regards to the issue. This account is NOT MINE! This account also has many innacuracies reporting such as my address, name spelling, not charging account off at 180 days as per the law states and date reported to fall off so how has this been verified as MINE? XXXX at Pnc has not and can not provide the original signed contract with my signature on it so how has this been verified? I have also just received yet again all three agencies disputes that came back verified with Pnc Bank but XXXX was not done investigating this. How has this been verified yet again and was claimed to be clarified before but Pnc Bank doent have that record? Pnc Bank again has also not charged this person 's account off at the 180 days per law. They do not know the date of first delinquency nor do the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24 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: NY

Complaint narrative:
I was just made aware a hard inquiry was made on XX/XX/2018 was made to XXXX XXXX.  This was not authorized by me. I did not request anything on said date. This is fraud. I just want this removed as I did not authorize it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24 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: NY

Complaint narrative:
Looking over my credit file, On XX/XX/2018 there was a hard inquiry put onto my account. I did not authorize said inquiry with the company XXXX. This is fraud. I called the company a few months back they said they would remove It. I looked today XX/XX/2018 and it Is still on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.

Complaint narrative:
Attached is additional evidence showing how SallieMae and Navient systematically and illegally failed me at every stage of repayment of this loan. In XX/XX/XXXX, SallieMae refused to process a deferment, eventhough MUL was title IV eligible. On XX/XX/XXXX, Navient contradicted SallieMae. See attachment. In XX/XX/XXXX, I had to pay SallieMae {$50.00} to process a forbearance because my deferment request was rejected by SallieMae. MUL was Title IV eligible. No wonder how this loan increased from {$40000.00} to nearly {$80000.00} and interest rate is at the maximum. Now my CFPB complaint must have upset Navient and SallieMae. On XX/XX/XXXX, I paid the forbearance fee. Navient still did not approve my request to delay the repayments. 

Navient responded on XX/XX/XXXX, as followed : " Thank you for reaching out to the CFPB with your concerns regarding your student loan account. Navient currently services your Private XXXX XXXX Student Loan. We would like to note that as a Private Student Loan company, FSA does not have jurisdiction over the processing of an In-School Deferment on your loan. Your school, The XXXXXXXX XXXX XXXX XXXXXXXX, became Title IV ineligible on XX/XX/XXXX. A requirement for the processing of the In-School Deferment on private loans is that the school the student is attending must maintain Title IV eligibility. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC
State: CO

Complaint narrative:
Starting in 2018 Pacific Union Financial starting charging a fee for payments made after the XXXX  of the month ( {$5.00} ) and after the XXXX of the month ( {$10.00} ). This information is not included in my truth in lending paperwork and therefore should not be a charge I should incur. When I called customer service to ask about this, they said it was because so many people had defaulted on their payments that this was an effort to recover this. I have never been late on a payment in 4 years with Pacific Union Financial and do not feel this is fair to impose on customers who do pay on time.

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 2018-06-24 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Looking over my credit file, On XX/XX/2018 there was a hard inquiry put onto my account. I did not authorize said inquiry with the company XXXX. This is fraud. I called the company a few months back they said they would remove It. I looked today XX/XX/2018 and it Is still on my file.

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 2018-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
I sent ltc to my wallet today. On top of that, I received a notification that my transaction was suspended for 72 hours. But I need the money very soon. 

It was coinbase.com Referenz-Code : XXXX XXXX. XXXX 2018 XXXX LTC

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of Ameirca I contacted Bank of America to add my daughter has an authorized user. They ended up conducting a hard inquiry on my report without my knowledge. The inquiry was supposed to be for my daughter and it should have never impacted me. If I was told that they would have done a hard inquiry, I would have stopped the transactions. I contacted Bank of America, I was told that they are unable to do anything on their side. First, I got frustated because I contacted them at lease on three ocasions. the last time I did, they told me they would add her as a co-borrower ; which is not what I wanted but I went along following their instructions. It turned out that they pulled my credit information and I would not have allowed that because I was trying to fix my credit. I was already a customer in good standing. I don't see why they had to do a hard inquiry. 

XXXX : I wanted to switch my service from XXXX to XXXX. I called XXXX and ask for advice on the proper way to cancel and switch services. I paid all money due. the representative over the phone told me I was all set and to keep using my service up until a specific date. I followed their instructions. Months later, XXXX, claims that I owe them last month service fee but I told them, I called to cancel service your rep advised me to wait. I shouldn't have to pay any more money. I wanted them to investigate the matter. Instead they reported me late with a balance {$140.00} in collection. 
I want this fee waived, and the record to be deleted from my credit report. I keep saying go listen to the recorded convesation. The rep said I was all set and can keep using my phone up until the cancellation date.

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