vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-12 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: FL

Complaint narrative:
I recently received a copy of my XXXX, XXXX  and Transunion credit reports. Each credit report shows more than 10 inquiries ( 22 from XXXX, 12 with XXXX and 14 with Transunion ) that I do not recall authorizing. I understand that creditors or lending institutions are not allowed to put an inquiries on my credit file unless I have authorized it. Please have all of the inquiries removed from my credit file because it is making it very difficult for me to acquire credit. 

I have only authorized XXXX through XXXX on XX/XX/XXXX, which is the lien holder of my auto loan, to run a credit check for my current auto loan. I DID NOT VISIT ANY DEALERSHIPS NOR DID I AUTHORIZE ANY CREDIT CHECKS FOR ANYMORE AUTOMOBILE LOANS. Those inquiries are a result of identity theft and should be removed due to possible fraud. I have extended fraud alert on my XXXX  credit file. XXXX and Transunion is supposed to have fraud alerts as well but when I received a copy of my credit reports, I did not see an alert on XXXX  or Transunion. I also have an open case with XXXX Police Department for identity theft - Criminal Report # : XXXX. 

I have tried several times to submit a dispute online on each CB website but keep running into an error stating I can not dispute online. 

I am disputing these inquiries on XXXX  : XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX I am disputing these inquiries on XXXX : XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX I am disputing these inquiries on Transunion : XXXX XXXX - XXXX XXXX, XXXX XXXX XXXXXXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX   is also reporting a fraudulent address. I need the address removed because I have never lived at that address : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX, GA XXXX. This address is attached to the police report for identity theft.

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 2018-07-12 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: FL

Complaint narrative:
I recently received a copy of my Experian, XXXX  and XXXX   credit reports. Each credit report shows more than 10 inquiries ( 22 from Experian, 12 with XXXX and 14 with XXXX  ) that I do not recall authorizing. I understand that creditors or lending institutions are  not allowed to put an inquiries on my credit file unless I have authorized it. Please have all of the inquiries removed from my credit file because it is making it very difficult for me to acquire credit. 

I have only authorized XXXX through XXXX on XX/XX/XXXX, which is the lien holder of my auto loan, to run a credit check for my current auto loan. I DID NOT VISIT ANY DEALERSHIPS NOR DID I AUTHORIZE ANY CREDIT CHECKS FOR ANYMORE AUTOMOBILE LOANS. Those inquiries are a result of identity theft and should be removed due to possible fraud. I have extended fraud alert on my XXXX credit file. Experian and XXXX is supposed to have fraud alerts as well but when I received a copy of my credit reports, I did not see an alert on Experian or XXXX. I also have an open case with XXXX Police Department for identity theft - Criminal Report # : XXXX. 

I have tried several times to submit a dispute online on each CB website but keep running into an error stating I can not dispute online. 

I am disputing these inquiries on Experian : XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX I am disputing these inquiries on XXXX : XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX, XX/XX/XXXX CXXXX XXXX XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX I am disputing these inquiries on XXXX : XXXX XXXX - XXXX XXXX, XXXX XXXX XXXXXXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX   is also reporting a fraudulent address. I need the address removed because I have never lived at that address : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX, GA XXXX. This address is attached to the police report for identity theft.

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 2018-07-12 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: MO

Complaint narrative:
After sending at least 3 or more letters to this credit bureau. I have send Equifax several letters regarding inquires that were not appointed by me. Regarding the following companies : ( 1 ) .-XXXX XXXX-XX/XX/2018 ( 2 ) .-XXXX XXXX-XX/XX/2018 - ( 3 ) CXXXX XXXX-XX/XX/2018. The last letter send certified with tracking number XXXX   XXXX XXXX XXXX XXXX in which was received on XX/XX/2018 by Equifax and they have ignored my letter. These inquires were not appointed by me. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please note that this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and serious breach of my privacy rights. Equifax has failed to validate this information with these companies and provide me with copies of any documentation associated with these companies bearing my signature. I requested the fraudulent inquiries be immediately deleted from the credit file that is maintained under my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
On XXXX-XXXX-18 made purchase at best buy of XXXX. 6 mo no interest if got their card. they sent card, went online set up my account. on XXXX-XXXX-18 i made a payment of XXXX. It said my due date was XXXX-XXXX-18. Paid the payment before due date. On XXXX-XXXX-18 i went online to pay the balance and they had assessed a XXXX late fee. they told me I paid the account too eatly. My Statement dated XXXX-XXXX-18 said my balabce was XXXX, my due date was XXXX-XXXX-18, I paid XXXX on XXXX-XXXX-18 so made no sense. after dealinf with a chat person who said they would waivee the fee, they did not. if i wanted to pay off my account i had to pay thier fee. several time they tols me wold waive fee but did not. i was forces to pay the extra XXXX and paid off the account on XXXX-XXXX-18. statement is attached which documents everything how can they charge me a XXXX late fee when they show i paid XXXX before the due date. attached is the XXXX-XXXX-18 statement - shows next due date XXXX-XXXX-18 and XXXX balance. it shows payment made on XXXX-XXXX-18 ( before the XXXX-XXXX-18 due date and the payment i was forced to pay to pay off the account where they force me to pay this bogus and erroneous fee. I have demanded the acct be closed and a refund of the fee- they seem to feel the fee is valid stating i paid it too early?? but thier statement shows different

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 2018-07-12 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: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
Today XX/XX/XXXX I learned that a discharged judgment and foreclosed property from a XX/XX/XXXX Chapter XXXX Bankruptcy has appeared on our credit report after 7 years. Per the credit report the Debt is showing as XX/XX/XXXX Bank name XXXX XXXX  XXXX -- No Data. Eviction is checked yes. Address is XXXX ( will disclose if requested ). 

XX/XX/XXXX Bank name XXXX XXXX  Trustee for XXXX XXXX ( was XXXX   XXXX XXXX then Nationstar ) - No Data. Eviction is checked yes Address is XXXX ( will further disclose if requested ). 

XX/XX/XXXX Bank name XXXX XXXX  XXXX XXXX - Eviction is checked no Address is XXXX ( will further disclose if requested ) Judgment Amount is {$35000.00}. 

Home at XXXX was foreclosed in XX/XX/XXXX, there was no eviction and was my husbands property. 

XXXX was my property which was discharged in our joint bankruptcy in XX/XX/XXXX. There was no eviction. Also XXXX XXXX was related to XXXX XXXX and my name was not on that loan. It was a money judgment when the bankruptcy discharged it in XX/XX/XXXX at {$35000.00}. 

These items were not on any credit report until around XX/XX/XXXX when I received a letter from XXXX saying that my current address was changed to XXXX, a place I had not lived at for 3 years. 

Both of these banks are in violation of the terms of the bankruptcy as both property and judgment were discharged in the bankruptcy. 

I want these items permanently removed from our credit reports as this is some sort of retaliation. I have not contacted the banks because we have worked very hard over the past 7 years to keep our credit clean. I do not wish to play a game of dispute where each time they fight the dispute it drops our scores. We had to file bankruptcy due to my failing health and subsequent XXXX  XXXX, but we did so according to the laws of the United States government. We did not underhandedly file false and misleading reports that are now compromising our character. What they have done is deceptive, unfair and they should be reprimanded as they had all records relating to our bankruptcy. These banks need to stop trying to ruin people with these types of tactics. 

It has been 7 years since the bankruptcy discharge and at least 10 years to the judgment filing. 

I can't even find an address for either bank to try to take care of this without damaging our credit files further. They are not listed in the creditor list on the credit report we just had pulled. So no way to contact them. 

We can provide whatever proof is necessary to get this handled including the court paperwork that dismissed any eviction case against us. 

We sincerely appreciate whatever you can do to stop these big banks from disobeying laws that were put into place to protect us. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: FL

Complaint narrative:
They are many account open under my name and the account were transfer to one account, I been trying to delete all the repeat it account from credit report and leave the one that is open and current.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
This has been a very long stressful 7 years fighting to save my home. After fighting throughout these years in and out of court the only way I could stop the wrongful foreclosure was to file for bankruptcy. I finally had my day in court to provide proof I have made all my payments and was not delinquent on my payments and the only payments I owed were all the payments that were returned back to me by the bank. As you can see on the attachments the judge ruled in our favor. I have recently requested for a payoff, so I can leave this financial institution and I had to request twice thru my attorney and had to send a request in writing thru registered receipt and it took over two months to finally receive the request. And the payoff is incorrect! They are currently charging me for bankruptcy fees and cost, when they are the reason I had to file to begin with because they gave me no choice, it was the only way to stop the wrongful foreclosure! Also, throughout these years, even when the account was with XXXX, I have had an overage on my Escrow and this payoff does not reflect that overage. M & T Bank is holding a claims payment from the insurance to repair our roof for {$13000.00} that is not reflecting on this payoff. The statements I have been receiving is reflecting I am late on my payments again..how many more times are they going to do this and when will the harassment stop! I am current and I have all the cashed checks to provide proof if needed ( there are too many to attach, but I will provide them upon request ).

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 2018-07-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XX/XX/18 ordered {$140.00} from XXXX  XXXX and returned {$140.00}. I used a discount code and was returned a gift card instead of returning the full amount to the card that I used to originally purchase the items. I contacted XXXX XX/XX/18 when noticing I owed {$30.00}. The company assured me the mishap would be cleared up. I called commenity bank and the company did not see the updated information. I called XXXX again and was assured the error would be corrected in 48hrs. I still have not had anything changed on my account and now am receiving notifications that my credit lines have been decreased for a delinquent account. I have contacted bother parts of the company and no longer know what to do to rectify the situation since neither ends seem to be matching up. I have never not paid any of my bills and have paid my card with XXXX off always within the 30 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-12 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

Complaint narrative:
On XX/XX/XXXX, I made a subscription for an annual service on the site XXXX of U $ S XXXX. The pay was made trough PAYPAL with mine credit card since I don't have a bank account linked to my paypal. 

Then I realized that I chose the wrong option and applied for a refund that XXXX gently manage to cancel the subscription and refund me the same day ( XX/XX/XXXX ). 

Unfortunately, the refund didn't go to my credit card but yes to my paypal balance because of an " issue '' of the system. 

I contacted to customer support on XX/XX/XXXX and until today they didn't refund me my money to my credit card balance and I've already paid to my bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-12 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: MS

Complaint narrative:
Dear, Consumer Finance The reason for me contacting your company is I have companies reporting information to my credit report that is not accurate and they have no information on the account. These companies have places hard inquiries on my credit report and I was unaware. I have be trying to contact these creditors on many of occasions. So that I may handle this matter. My first attempt was last year XX/XX/XXXX. The Only inquiries that where deleted where the inquiries on my XXXX report. I have also contacted these creditors today XX/XX/XXXX. And they are still not giving me information on why the inquiries are not being removed from my XX/XX/XXXX and experian report.while talking to some of the creditors today they stated the sent letters out to have the hard inquiries removed from all three credit report. I am becoming very exhausted with them cause I been trying to remove these items since last year. I havent received any information to why these hard inquiries are still being reported when a request of a removal letter was sent to all 3 credit bureaus.

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 2018-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I can't get a credit card with Bank of America because I am XXXX. Afterwards, I got approved for a credit card better than the one I was applying for with Bank of America with XXXX for more quadruple the credit limit with an annual fee more than that of the Bank of America card and my credit history is flawless.

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 2018-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: CA

Complaint narrative:
On XX/XX/2018 I made an online payment to XXXX XXXX for {$120.00}. I was emailed a paid invoice from XXXX for my monthly payment of {$120.00}. However, on my debit card account / Netspend it showed a pending transaction to XXXX  of XXXX. 

I contacted XXXX AND WAS ADVISED THE SUBMITTED THE EXACT AMOUNT OF XXXX TO NETSPEND. XXXX stated that Netspend had given them an authorization code XXXX in the amount of XXXX. 

I contacted Netspend and was advised that XXXX submitted a request to hold XXXX. 

After many phone calls, I still do not know who put the hold for more than the purchase price. This is not an amount subject to change and is a month to month fixed amount. 

I simply can not get any answers as to who placed the hold on my available funds. I had to actually go to a place and deposit money on the card to complete another purchase for parts for my vehicle. 

Netspend is swearing they didn't add anything to the XXXX submitted amount and XXXX  is swearing they did not submit an amount for more that the actual cost! 

I think I should be able to find out who placed a hold on my funds that exceeded an invoice. This was not gasoline or a car rental.

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 2018-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a promotional offer from Citibank in XX/XX/XXXX to open up a Citi Priority Account and get a bonus XXXX XXXX XXXX miles with the following requirement : - Post consecutive billpays - Make {$750.00} in debit card purchases in 60 days from account being activated I took them on the offer and opened an account in late XXXX. 

I received the welcome letter from Citi on XX/XX/XXXX, created my User ID on XX/XX/XXXX, and received an email notification from Citi on XX/XX/XXXX stating that my account is active and ready to go. 

At this time, Citi sent me an ATM card instead of a debit card in my welcome letter. 
I am unable to use an ATM card to make debit card purchases in order to meet the requirement. I then gave them a call late XXXX to request a debit card so that I can make purchases to meet the requirement. They agreed to send me a debit card in the mail. A week and a half letter I received the card in the mail from Citi, but it turned out to be another ATM card instead of a debit card. I called them back and they told me that they will send a debit card again. I finally received my debit card in late XXXX, where I then proceeded to complete the purchase requirement by spending {$1000.00} by XXXX. 

I called Citi to confirm that I have met the requirement of the promotion, and they said yes I have and to wait 90 days to receive the bonus miles. 

It is now XXXX and I still have not received my bonus miles. I proceeded to call Citi, where they confirmed again that I have met all the requirements and that they will be opening up a case to investigate why my bonus miles have not posted. 

I received a letter by Citi in early XXXX stating that I do not meet the requirements of the promotion because I did not meet the purchase requirements. I called Citi and they said that the 60 day spending window ended on XX/XX/XXXX and I did not spend {$750.00} by that date. 

I think this sketchy and dishonest behavior due to the following reasons : - The terms said that I need to spend {$750.00} in debit card purchases in 60 days from the account being activated. 
- I received my welcome letter on XX/XX/XXXX & my account was fully activated on XX/XX/XXXX. 
- Citi sent me an ATM card, which I can't use to meet the debit card purchase requirement. 
- When I asked them to send a debit card, they sent me another ATM card instead. 
- I finally receive my debit card in late XXXX. 
- I met the spending requirement on XXXX, which is less than 60 days from the date my account is fully activated.

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