vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-21 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per Experian. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per Experian. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per Experian. 
On XX/XX/2020, EXPERIAN BUSINESS CRED add a hard inquiry on my credit report per Experian. 
On XX/XX/2020, US SM BUS ADMIN ODA add a hard inquiry on my credit report per Experian. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: FL

Complaint narrative:
I requested a card be sent to my new address because of moving and was told I was issued a card I did this in XXXX but after not receiving card I inquired and it was never even sent So I was told they were going to send this time and expected a couple weeks later I called again a third time now and they said Florida 's unemployment office spelled address wrong Here we are I FINALLY received card XX/XX/XXXX I promptly set up account and was only informed that all my deposits were returned the wordage " Returned Unpinned Deposit '' Florida unemployment tells me that the funds were delivered back to card yet two weeks later still no funds Really this whole situation makes one rethink their existence

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/20 I sent Experian a letter to re investigate XXXX/XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX Auto # XXXX It is almost 30 days and havent received a response from Experian

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 2020-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have a mortgage with Chase Account No. XXXX. They opened an escrow account for my mortgage in 2015. I did not want an escrow account and do not need it because I pay my own taxes and insurance and always have. The escrow account has caused my monthly payment to increase and I can not afford the increased amount and I dispute the amount. I am elderly and do not want to lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm writing because of two accounts : name : XXXX/XXXX account number:XXXX date opened : XX/XX/XXXX Original creditor put that i was late in XX/XX/XXXX, but i always pay my bills on time, i was calling to original creditor, they accepted my dispute, but i see that late payment still showing there, i'm very stressed about this situation, because as you can see, i pay on time during 7 years. 


Second account is : XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX During Covid-19 banks didn't work in proper way. I got problem with XXXX because they did mistakes with my payment. Affected by Natural or Declared Disaster ( e.g. COVID-19 ). 
I called to XXXX, they were agree with my dispute, but agent asked me to sent letters to all bureaus, i sent letters, but i see, that late payment, which were made in XX/XX/XXXX, still on my credit report

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 2020-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
went on XXXX to open a XXXX XXXX account with an advertisement that showed a bonus reward for depositing so much money into the account. I set that appointment up to do so. Once there it took 2 hours of my time to set the account up. with all the personal questions of what my company does. how much will my company make in a year. what is the gross, what is the profit? where will the money be coming from. how do you intend to use the account? do you intend to receive or send wire transfers? just so many questions. copying all my personal info ie, drivers lic, social security number LLC Tin. and signing papers. to be told at the end the back office needs to look over the account and see if they can open it. 
I think this is all a scam. false advertising. and to waste my time and risk me having to go into the bank with covid in high numbers was not how I wanted to spend my day. 
I would like the CFPB to investigate citibank for false advertising.

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 2020-12-21 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NC

Complaint narrative:
XXXX made an unauthorized charge to my Discover Card in the amount of {$100.00}. The service was not requested and not desired. They auto billed the account without notice or authorization. They were contacted and they just want the money. Discover was contacted and the charge was disputed, but they did not care.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WA

Complaint narrative:
Was impacted with the crash of XXXX, then XXXX trade center incident put him out of business. Now this year COVID.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have tried to contact PayPal twice, and Im getting no answers as to why my credit and balance owed do not add up, showing I owe more on the credit card then I should, and there are two charges that were charged twice for the same charge. Representatives appear to not know how to resolve the problem or able to see what the problem is. Im unable to resolve this with the company, I want to get out of using PayPal. I am trying to pay off the card so I can close it but they still show amounts oh that dont make sense.

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 2020-12-21 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Hello, I writing to you because I went through my credit profile and I was shocked what I saw there. I figured out in my credit report inquiries that I have never authorized and plus one unknown account. This highly detrimental to my credit rating. I know that sometimes companies without any authorization and permission pulling credit profile. Well, by this message I would like to let you know that I do not recognize these inquiries and I have never gave any permission to any company to do something like this. So please remove all of them as I can not move on in my life when I have unknown information in my credit report.

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 2020-12-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: KS

Complaint narrative:
On Monday XX/XX/2020, I received a call from XXXX from rep XXXX XXXX with IC Systems. I was advised I owed a bill to XXXX XXXX. At that point, I advised them I was happy to return the phone to be credited to whatever bill may exist. Under the agency relationship, returning the phone to the client served to mitigate the collectors clients damages. As such, he had a legal duty to take the proposal to his client to accept the phone to mitigate the damages. The collector refused to even take the proposal to his client. 

Second, not only does XXXX have a duty to mitigate under the eyes of the law but I believe under the original contract it includes a clause that each party has a duty to mitigate. Because XXXX refused to accept the phone and provide an updated balance they are in breach of contract since both the law and the four corners of the contract stipulate each parties duty to mitigate damages. 

As a result, not only has XXXX threw its agent violated contracts law in general. They have also violated the Kansas Consumer Protection Act. As such, I am drafting a petition to file suit against IC Systems. 

Its also worth noting, IC Systems took no basic stamps in accordance to verify my identity like verify my date of birth of the last 4 of my social security number. 

IC Systems has a firm with over XXXX employees and revenues in excess of {$350.00} XXXX per year. Their choice to engage in aggressive, unconscionable, and illegal practices despite their having significant resources to conduct business within the bounds of the law is the exact kind of actions that will justify my request for punitive damages in the petition. 

Finally, they contacted me on my cell phone that I have had for less than 3 months and refused to provide me with where they located my phone number from.

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 2020-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
This company is in violation of FCRA and FDCPA. I requested a validation of the debt about 6 times already and not only didnt I receive a validation but they still report this debt to all 3 credit bureaus .By law if they were not able to validated the alleged debt they have have to seize and disease any collection activity, instead they are sending me a computer letter that they no longer investigate this matter and they sent me anything they have and according to them it was enough. All they sent is a copy of one credit card statement. No actual contract, not the history of the payments and activities, and most impotent the ownership of the debt was not established and confirmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have filed numerous complaints trying to have inquiries that was found in mg credit reports, they did not resolve the issue, these inquiries are fraud and I want them off my report, there is over 29 inquiries on my Equifax credit file and Equifax is ignoring the fact that these inquiries I do recognize at all and they need to removed, I will send a FTC Identity theft report With this complaint, this is my third complaint and nothing has made been done, it is my right under the fair credit reporting act to dispute any information that does not belong to me, I am disputing these inquiries as fraud, do not put no fraud alert on my report, I will keep filing complaints until these inquiries are disputed off,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I spoke to a associate on the XXXX of XXXX he advised me somone from the escalation team is going to contact me within 7-14 business days no one contacted me to get the card reissued i keep receiving mail from the company bbva telling me to use my card in order for to receive cash back offers. I have called numerous times to the company with no resolution or information on my account on the XXXX of XXXX I receive a email telling me to give them a survey on the resolution which I still have not recieved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT BELONG TO ME. I DO NOT KNOW WHY OR HOW THESE ACCOUNTS ARE BEING REPORTED ON MY CREDIT. I HAVE NO KNOWLEDGE OF THE ACCOUNTS. I AM ASKING THAT YOU PLEASE INVESTIGATE THE ACCOUNTS SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2020-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
I received promotional materials to open a new credit account with 0 % interest for 18 months with Citi Bank. I accepted the offer and new credit account was opened. Upon using the card I noticed that I was charged interest. I contacted Citi Bank who said that the promotional rate only applied to balance transfers and they refused to honor the introductory promotional APR of 0 % for 18months. They refused to issue a credit for the interest they charged contrary to their promise of 0 % APR for 18 months. This was not clear and amounts abusive and deceptive marketing practices.

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 2020-12-21 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: AZ

Complaint narrative:
Hello, I writing to you because I went through my credit profile and I was shocked what I saw there. I figured out in my credit report inquiries that I have never authorized and plus one unknown account. This highly detrimental to my credit rating. I know that sometimes companies without any authorization and permission pulling credit profile. Well, by this message I would like to let you know that I do not recognize these inquiries and I have never gave any permission to any company to do something like this. So please remove all of them as I can not move on in my life when I have unknown information in my credit report.

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 2020-12-21 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: AZ

Complaint narrative:
Hello, I writing to you because I went through my credit profile and I was shocked what I saw there. I figured out in my credit report inquiries that I have never authorized and plus one unknown account. This highly detrimental to my credit rating. I know that sometimes companies without any authorization and permission pulling credit profile. Well, by this message I would like to let you know that I do not recognize these inquiries and I have never gave any permission to any company to do something like this. So please remove all of them as I can not move on in my life when I have unknown information in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
Originally leased 2 different vehicles from Hyundai. At the lease end, decided to buy out the lease from Hyundai in order to keep the vehicles. I went to my financial institution to do the buyout. Once Hyundai Motor Finance received a check for the vehicles, they never provided bill of sale or odometer statements with the proper signatures from Hyundai Motor Finance in order to get the car re-titled. We contacted HMF a number of times - once in XXXX - twice in XXXX - four times in XXXX - Twice in XXXX ( in XXXX, the bank also contacted HMF to try and resolve the issue ) to have them send the proper paperwork. In all experiences except once, the forms arrived with no signature at all. When it did come, it had a partial electronic signature, which, again, would not be excepted by the state. At this point, every time we cann HMF, they politely put me on hold and promptly hang up! 

No matter how much ill will has been generated, we still need the proper paperwork from HMF to get the car titled. Can CFPB research this issue so that we can get some kind of movement. 

Thank you!

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 2020-12-21 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: FL

Complaint narrative:
I'm writing because of two accounts : name : XXXX/XXXX account number:XXXX date opened : XX/XX/XXXX Original creditor put that i was late in XX/XX/XXXX, but i always pay my bills on time, i was calling to original creditor, they accepted my dispute, but i see that late payment still showing there, i'm very stressed about this situation, because as you can see, i pay on time during 7 years. 


Second account is : XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX During Covid-19 banks didn't work in proper way. I got problem with XXXX because they did mistakes with my payment. Affected by Natural or Declared Disaster ( e.g. COVID-19 ). 
I called to XXXX, they were agree with my dispute, but agent asked me to sent letters to all bureaus, i sent letters, but i see, that late payment, which were made in XX/XX/XXXX, still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a PAID collection with XXXX XXXX XXXX for XXXX as well as UNVERIFIED late payments with XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX that I have been disputing with the bureaus. I sent my first dispute to the bureaus on XX/XX/2020. I have sent again, disputes on XX/XX/2020, after the bureaus did not correspond with me ( I am aware that they have 45 days, and I am STILL waiting for responses from them ).

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 2020-12-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Fair Financial Corp.
State: PA

Complaint narrative:
I initiated my return with Fair corporation on XX/XX/2020. They were to pick up the car within 3 days. It took them 8 days ( for which I had to maintain all liability insurance ). During this time since the car was still in possession they drafted a payment from me but assured me theyd backdate the billing and refund me the full amount owed. The car was in excellent condition ( I have video and photo proof ). I have called Fair many times over the past two months and there is always an excuse as to why they are unable to refund me. A ticket has been entered for my issue as of XX/XX/2020 # XXXX. I called back on XX/XX/2020 and filed a complaint as I was told no one had even looked at the ticket. The representative escalated my concern to a complaint and yet, here we are at the end of the month and again they have not contacted me nor have I been refunded. They stated there is an internal issue with their billing system but that is not my problem. They are withholding {$650.00} from me during a pandemic and at XXXX time with zero sense of urgency or care now that Im no longer a client of theirs.

Company response to consumer: Closed with explanation