vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-26 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: FIRST HAWAIIAN, INC.
State: HI

Complaint narrative:
We were jacked ( ripped off ) when we moved. We had to put moving costs onto a XXXX XXXX / XXXX XXXX XXXX card. We had just purchased a home ( no mortgage ) and with 800 plus credit scores, we assumed we could grab a HELOC and pay off credit cards within a couple months. We were subjected to a third party consumer information service that had bad outdated information ( XXXX ) This prevented us from obtaining a HELOC from XXXX XXXX XXXX and First Hawaiian Bank. This took 17 months to work through, and did secure a HELOC with XXXX   XXXX XXXX XXXX. As we were declined for credit ( with credit scores of XXXX, interest and penalties accumulated. 

Escrow completed, and the credit union sent checks out. XXXX XXXX / XXXX XXXX XXXX received payment before XXXX XXXX, next day XXXX XXXX XXXX charged off the account and sent to collections. XXXX XXXX XXXX XXXX XXXX XXXX IL. Two days later, the cashed the check and now I have to deal with collections for the full amount plus even more fees. XXXX XXXX XXXX got paid and retain these funds ~ $ XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 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: D&A Services, LLC
State: HI

Complaint narrative:
We were jacked ( ripped off ) when we moved. We had to put moving costs onto a XXXX XXXX / XXXX XXXX XXXX card. We had just purchased a home ( no mortgage ) and with 800 plus credit scores, we assumed we could grab a HELOC and pay off credit cards within a couple months. We were subjected to a third party consumer information service that had bad outdated information ( XXXX ) This prevented us from obtaining a HELOC from XXXX XXXX XXXX  and XXXX XXXX XXXX. This took 17 months to work through, and did secure a HELOC with XXXX   XXXX XXXX XXXX. As we were declined for credit ( with credit scores of XXXX, interest and penalties accumulated. 

Escrow completed, and the credit union sent checks out. XXXX XXXX / XXXX  XXXX XXXX received payment before XXXX XXXX, next day XXXX XXXX XXXX charged off the account and sent to collections. D and A Services XXXX XXXX IL. Two days later, the cashed the check and now I have to deal with collections for the full amount plus even more fees. XXXX XXXX XXXX got paid and retain these funds ~ $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/2018, at around XXXX XXXX while watching TV I received an email from a seller from XXXX called XXXX saying " Thank you for your Order ''. This was shocking to me since I did not order anything from them. I looked at the email and the order was for a chainsaw totaling {$570.00} placed on my Chase Debit Card. I  immediately called Chase with whom I bank and advised them of the fraudulent activity and asked them to cancel my debit card. I also contacted XXXX and told them that I did not place the order and ask that they cancel the order. About 3 days later I received another email from the seller telling me that the chainsaw is being shipped. I responded to them telling them that I did not order the chainsaw and not to ship it to me ( see attached documents ). In the meantime, Chase credited my account temporarily. Again I got another email from the seller that the item was shipped ; I again responded asking them not to send to me since I did not order and neither do I need it. They responded that XXXX is investigating my claim. On XX/XX/2018, I received a letter from XXXX telling me that they finished their investigation and based on their investigation the credit will be reversed. I have been calling them and offered to sign a sworn affidavit that I did not order but they have refused

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-26 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: MA

Complaint narrative:
On XX/XX/18, I test drove a car at XXXX XXXX in XXXX, MA. Without my permission, they ran a hard inquiry hit on my credit. They ran it 6-7 more times on Monday, XX/XX/18. I did not give them verbal or written permission to do so. They are also being investigated by DA office for unfair and deceptive practices. They said I couldn't buy a used car from them if I didn't use their financing at a higher rate than the financing I had through XXXX. They are breaking the law on both counts. 

When I called XXXX XXXX, the Sales General Manager ( the one responsible for all of this ), he said he can do whatever, however he liked, and run his business any way he wants, even after being informed that these things were illegal. 

The hard inquiry hits to my credit has brought down my score and jeopardized my ability to get competitive financing.

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 2018-09-26 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: MA

Complaint narrative:
On XX/XX/18, I test drove a car at XXXX XXXX in XXXX, MA. Without my permission, they ran a hard inquiry hit on my credit. They ran it 6-7 more times on Monday, XX/XX/18. I did not give them verbal or written permission to do so. They are also being investigated by DA office for unfair and deceptive practices. They said I couldn't buy a used car from them if I didn't use their financing at a higher rate than the financing I had through XXXX. They are breaking the law on both counts. 

When I called XXXX XXXX, the Sales General Manager ( the one responsible for all of this ), he said he can do whatever, however he liked, and run his business any way he wants, even after being informed that these things were illegal. 

The hard inquiry hits to my credit has brought down my score and jeopardized my ability to get competitive financing.

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 2018-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
To Whom It May Concern : I am MORTIFIED! Recently my Capital One Secured Credit Card account ( ACCOUNT # XXXX ) was inexplicably closed without my request or initiation and furthermore Capital One refused to refund my money that I opened this account with. Capital One claims it was opened fraudulently through an alert from XXXX, XXXX, and XXXX. Representatives from the Credit bureaus claim they received a request to remove the account but no such request was ever made! 

This account was opened in XXXX of XXXX with funds sent directly from my bank account ( {$500.00} plus startup fees ) and the card has had no late payments and automatic deductions from my bank account. The automated phone teller stated the account was deactivated XX/XX/XXXX but I made a payment of {$220.00} on XX/XX/XXXX ( which brought my account balance to {$0.00} ). I also applied for a credit increase on XX/XX/XXXX and received correspondence on XX/XX/XXXX. 

I have records of everything. I have spoken to representatives from all four companies and no one is willing to rectify the situation especially Capital One. How can a SECURED credit card with a stellar history be fraudulent and the customer treated dishonorably?? It was setup with MY MONEY! I am  vehemently requesting that my account be completely reinstated and reported to all 3 major credit bureaus. I did not request it to be closed and did nor report any fraud to Capital One or the Credit bureaus! 

I am sending this letter to Capital One Bank, XXXX, XXXX, XXXX, Consumer Financial Protection Bureau, Ohio Attorney General and affiliates. Also my attorneys are looking in handling this matter with a lawsuit if not handled in a timely manner. 

Update : I have attached an FTC report with someone else 's name claiming fraud on a different account and somehow it got mixed in with my information. I found this out after logging in to the CFPB website. The dates and information do not match up and furthermore I never met this man. Please correct this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Uber Technologies Inc.
State: PA

Complaint narrative:
I try to sign up for Uber and is coming out that I have a A misdemeanor In Florida which does isnt true that time that I lived out there I did not get in trouble at all with the law

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
ON XX/XX/2018 I FOUND A CHARGE AFTER GOING THRU SOME PAPERS ON MY RBS FORMALLY CITIZENS ONE CARD THAT I DID NOT APPROVE I CONTACTED THE COMPANY THAT SAID I HAD TO SEND THEM A COPY OF THE STATEMENT, AND A LETTER EXPLAINING THAT I DID NOT DO THE CHARGE, AND I WOULD GET THE CREDIT IN 1 BILLING CYCLE. AFTER WAITING AND WAITING THEY SENT ME A LETTER SAYING THAT I WOULD NOT BE GETTING THE CREDIT FOR {$870.00}. I AM NOT OK WITH THIS I DID NOT DO THIS CHARGE AND DO NOT THINK I SHOULD BE HELD RESPONSABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 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: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I have been fighting an account with Suntrust and the three credit reporting agencies. No one would give me history of the account and I believed it to be past the statue of limitations. I finally received the payment history from Suntrust and even that information has contradicting information. The ledger shows the last payment was made on XX/XX/XXXX which is not accurate. The payment history they sent shows the last payment was XX/XX/XXXX and the cover letter states the last payment was XX/XX/XXXX. I am not in the mortgage industry but doesn't that appear to be conflicting information? This account per the actual payment history and not all the other things generic forms they supplied validates that the account is past the statue of limitations. The account history also shows that starting XX/XX/XXXX the balance never changed up until the last payment. Even when the payments were made why wouldn't the balance ever go down?

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 2018-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
Valley National Bank {$200.00} Checking Bonus - Promotion from Valley bank. 
We have open the account and satisfied all requirements for direct deposit and amounts. 
Bank is not crediting the promotion amount of {$200.00}.

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 2018-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: TX

Complaint narrative:
You are hereby under provisions of Public Laws 95-109 and 99-361, also known as the " Fair Debt Collections Practices Act, '' notified that your services are no longer desired. You and your organization must CEASE & DESIST all attempts to collect the debt. Failure to comply with this law will result in my immediately filling a compliant with the Federal Trade Commission and the Texas Attorney General Office. I will pursue all criminal and civil claims against you and your company. Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future. Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by the law. Since it is my policy to neither to recognize nor deal with collection agencies, I intend to settle this account with the original creditor. Lawyers acting in the capacity of " Debt Collectors '' three or more times a year are considered " Debt Collectors. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 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: SC

Complaint narrative:
ID FOR COMPLAINT SENT TO TRANSUNION XXXX File a previous complaint with this company and those issues were not resolved. I called in and spoke with two different representatives who stated that they were in a foreign country and they handle all disputes the same. I'm not trying to get over on anyone or deny any wrong doing on my behalf, but my Transunion credit report has several errors still and disputing for almost a year. I've contacted and had success with the only two major credit reporting agencies. I've submitted all the documents pertaining to my case and every time i was ignored or it came back verified. Please look into this, i will attach proof of cooperation from the other bureaus as well as letters that i sent in to Transunion before.

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 2018-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
TRANS UNION, XXXX, XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ran an unauthorized credit inquiry on me on or around XX/XX/2017.I never give written, oral or signature to authorized such a transaction.

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact [ company name ] and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], In addition, as part of your investigation, I am not understanding how these dealerships have salesmen that outright lie and misrepresent a potential customer or client. I was totally unaware that this gentlemen had done this to my credit. 
I have another request that I would like to be honored for exclusion / early deletion for the inquiries that are with my permission and I due to fall off in a few weeks. I humbly ask to have XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX  If you have any questions or need additional information, please contact me at address listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Phone XXXX Thank you. 

Sincerely, 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 2018-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: AL

Complaint narrative:
ON XX/XX/XXXX I CALLED DISCOVER, BECAUSE I FOUND A CHARGE MANY YEARS AGO THAT I DID NOT DO, AND WAS INFORMED BY A GOOD FRIEND THAT I COULD REPORT IT AS FRAUD WHICH I WAS NOT AWARE OF, BUT I CALLED THEM AND LET THEM KNOW THAT I DID NOT DO A CHARGE ONXX/XX/XXXX BY   XXXX FOR {$9300.00}. THEY TOOK MY FRAUD COMPLAINT. THEN ON THE XXXX I GOT AN EMAIL STATING THAT I WOULD BE GETTING THE CREDIT. THEN ON MY XXXX STATEMENT I GOT THE CREDIT. THEN A FEW WEEKS LATER AFTER REQUESTING A CHECK FOR THE MONEY WHICH THEY SAID ID GET IN 7-10 DAYS WELL ON THE 10TH DAY THEY CLAIMED THAT I WOULD NOT BE GETTING THE CREDIT. WHEN I CALLED THE WOMAN WAS VERY NASTY SAYING THAT I MADE PAYMENTS WHICH I DID BUT ONLY SO I WOULDNT HAVE A BAD CREDIT SCORE! THEY SAID THEY WOULD PUT IT BACK THRU, AND THEN NEVER HEARD FROM THEM AGAIN! THEN TODAY I CALLED AND SPOKE TO XXXX WHO ONCE AGAIN WAS RUDE SAYING THAT I MADE PAYMENTS AND HOW IN THIS DAY AND AGE WOULD I NOT KNOW I COULD FILE FRAUD. I EXPLAINED THAT I AM AN ELDERLY MAN WHO DOESNT REALLY UNDERSTAND HOW IT ALL WORKS SHE THEN SAID SHE WOULD PUT IT BACK THRU I JUST WANT MY MONEY

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: FL

Complaint narrative:
I received a credit card from XXXX XXXX several years ago that was attached to my joint account ( with my husband ) at Fidelity Investments. Approximately two years ago, Fidelity informed us that they would be replacing the XXXX XXXX card with a VISA card through XXXX XXXX XXXX. I found out last week when trying to correct an erroneous billing issue that XXXX would not discuss any issues with me without my husband 's specific authorization because I was not an owner of the account. I asked how could that be since the original XXXX card was originally issued to both me and my husband based on our joint account at Fidelity. XXXX claims the information they received when they took over the business at Fidelity must not have indicated such and they required me to submit a new credit application which they rejected. XXXX refuses to provide any documentation showing that they received this incorrect information from the previous credit card company as they allege. I believe that this a clear case of discrimination against me as a woman since they only issued the credit card to my husband even though their relationship is based on a Fidelity account that is jointly held by me.

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 2018-09-26 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Credit bureaus requiring unsecure method to freeze reports of dependent minor. 

Members of my family were impacted by the XXXX data breach. We've frozen records for adults but our children ( minors ) are the issue. To freeze the reports of my children, all credit bureaus require us to mail them ( in a single envelope ) copies of their social security cards and birth certificates ( plus additional info ). To say that is a tremendous security risk would be an understatement as we are placing two of the most critical documents used for identify theft together and sending it through the mail. 

I find this unacceptable as the ONLY means to freeze their reports and believe others will have the same concern.

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 2018-09-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been fighting an account with XXXX and the three credit reporting agencies. No one would give me history of the account and I believed it to be past the statue of limitations. I finally received the payment history from XXXX and even that information has contradicting information. The ledger shows the last payment was made on XX/XX/XXXX which is not accurate. The payment history they sent shows the last payment was XX/XX/XXXX and the cover letter states the last payment was XX/XX/XXXX. I am not in the mortgage industry but doesn't that appear to be conflicting information? This account per the actual payment history and not all the other things generic forms they supplied validates that the account is past the statue of limitations. The account history also shows that starting XX/XX/XXXX the balance never changed up until the last payment. Even when the payments were made why wouldn't the balance ever go down?

Company response to consumer: Closed with explanation