vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-31 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:
Tax lien did not meet the standards implemented on XXXX/XXXX/XXXX but Equifax refused to delete the lien.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 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: STATE FARM BANK, FSB
State: FL

Complaint narrative:
This is a complaint against STATE FARM BANK. INQUIRY DATE : XXXX XXXX I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
This is a complaint against BARCLAY CREDIT CARD. INQUIRY DATE XXXX XXXX2017. I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission

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 2017-10-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Vehicle lease with XXXX XXXX for 30,000 miles. Returned vehicle with 28,000 miles. Sent a {$400.00} threatening bill for excess tire wear, missing key, and late return. 

After two calls, XXXX XXXX admitted the missing key and late return were incorrect charges and removed. However, they will not remove or allow challenge for the excess wear, repeatedly threatening continued calls, letters, and damage to credit. 

Bottom line : XXXX XXXX falsifies end of lease charges and bullies consumers into paying 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 2017-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I ordered some merchandise and it was lost.Was paid for on XXXX XXXX, 2017 from XXXX XXXX For XXXX .Instead of reversing the charge on XXXX XXXX She sent me the money like she was buying something from me so instead of going back onto my card it went into a paypal account .After I realized I was unable to withdraw the money out of the PayPal account because they have limits on how much you can withdraw.I called PayPal and they told me to return that money and ask her to reverse the Chargers. On XXXX XXXX I sent her payment back and asked if see could please reverse the payment on th initial charge so it would go back onto my card I paid with because I was unable to get the money the way she sent it. Lesson learned you cant trust people

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-31 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: CA

Complaint narrative:
I 'm making this complaint due to the fact that XXXX is reporting accounts that were not corrected, verified or removed. I do not understand how the government allows these companies to violate the FCRA when there are very specific regulations that state that they can not! 

I 've been disputing these since XX/XX/XXXX and this was never corrected even though I have pointed out numerous times to no avail. What I do not understand is that the burden of proof is on the bureaus and creditors, per Congress in XXXX XXXX TRANSUNION XXXX! 

XXXX XXXX is listed 3 times and 2 of the accounts are reported as 60 days late and have not been updated snce XX/XX/XXXX and XX/XX/XXXX. Obviously, if I were 60 days late on these accounts, there would be a balance as well as charged-off. Accounts do not just stay 60 days late! In addition, these accounts are not reported as transferred. TransUnion is even reporting both accounts with monthly payments of {$1300.00} and {$5800.00}! How can this be when the accounts are closed and have not been updated or paid on for years? 

These must be deleted immediately! I have even disputed with the creditor and have not received any replies whatsoever. I need to know why this is occuring, why these are not being updated and why they are still on my credit report after having been notified and not corrected. 

I require that these are deleted per the requirements of the FCRA immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 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 THE WEST
State: CA

Complaint narrative:
I have an automatic bill-pay set up with a merchant to sent out twice a month ; on the XXXX and the last day of every month to correspond with my pay-days. For some reason even the bank admits they have no explanation or backup for, they sent this month on the XXXX instead of the XXXX, causing my account to go into a negative balance. I had called my bank to find out why and to make sure I would not be charged any overdraft fees. The Bank has refused to do so, even though I can show that every past payment has been made on the last day of the month or later. 

Bank of the West has a history of manipulating transactions to maximize overdraft fees ; they were forced to pay {$18.00} XXXX in a class action lawsuit in 2012. I respectfully request any overdraft fees resulting from their mistake to be rescinded.

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 2017-10-31 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:
This is a complaint against TransUnion. I am a victim of identity theft and did n't authorize this inquiries of XXXX XXXX date : XXXX XXXX2017 and also XXXX XXXX XXXX, INQUIRY DATE : XXXX XXXX/2017. Also Open account under fraud in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.

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 2017-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Purchased a vehicle from XXXX XXXX. They over charged for a new car inspection which I brought to the finance managers attention upon signing the paperwork and was told they would refund the over payment of {$27.00} this was on XXXX/XXXX/XXXX and now we leave messages for XXXX XXXX and we never get a call back and have not received our refund. They are making a small fortune from overcharging every one on the state inspection fee. New car fee is {$10.00} for the first two years and they charge everyone the {$37.00} fee. I want my {$27.00} paid back.

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 2017-10-31 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
These are all the hard inquiries that I did not give permission to companies to run. 

XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX/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 2017-10-31 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
To whom it may concern, I contacted Experian, and spoke with a representative on XXXX/XXXX/XXXX, regarding some disputes that I had. I did have some personal information updated. I also wanted to dispute the following inquiries : XXXX XXXX XXXX ON XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX ON XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX ON XXXX XXXX XXXX ON XXXX/XXXX/XXXX XXXX XXXX XXXX ON XXXX/XXXX/XXXX XXXX  XXXX ON XXXX/XXXX/XXXX XXXX XXXX ON XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, AND XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX ON XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX  ON XXXX/XXXX/XXXX XXXX XXXX  XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX ON XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Due to the XXXX XXXX XXXX I obtained a copy of my credit file, I was concerned about my report and history. I reviewed a copy of my report, which showed several inquiries that were not factual, and that I had no knowledge of. The representative informed me that I was unable to dispute any inquiries on my file. However, According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ), it states that any information can be disputed, and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that the agent refused to allow me to dispute these inquiries on my credit report, I assume that there was, nor will be any investigation into the matter. I plan to purchase a home near the beginning of the year, and having this many hard inquiries on my credit report displays a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original despite for hard inquiries that do not belong to me. I did not sign any document allowing these inquiries. I feel this is unfair practices by a credit reporting agency with no concern for the credit worthiness of a 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 2017-10-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In XXXX, I decided to increase my credit lines and applied to several banks and was approved by all of them. Bank Of America was one of them. I received modest lines of credit on a XXXX and a XXXX. I used both cards and paid them off immediately in XXXX. In XXXX I used both cards again. The cards had 0 % balance transfer offers and I made balance transfers to both in order to lower my interest. Within 2 weeks of completing the transfers, Bank of America sent me letters for both accounts stating that they reviewed my accounts and closed them due to having inquiries on my credit report as well as the balances were too high ( under 30 % ). I believe that Bank of America is a predatory lender who is looking to coax people in on special offers, then they close the accounts and charge them high interest until they pay them off. I am going to press them to see how high the interest goes and when I get the amount in writing, will pay them off ( since i have plenty of cash in my account to do so ) and then will look to sue them. 
This " bank '' even petitioned me to be on their VIP customer list. If you are with Bank of America, you should close your account and move it to a bank that is interested in keeping customers and building relationships. This bank is run by crooks.

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 2017-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I was going to XXXX on vacation. So on XX/XX/XXXX I set up automatic bill pay on my Alaska XXXX credit card through BOA. I was told that the auto pay would not go through until the following billing statement. They told me I needed to do the XXXX payment by phone. So I did. 

BOA took {$2700.00} out of my checking account on XX/XX/XXXX by phone. They also took XXXX out of my checking account by auto bill pay. ( even though they said that would not happen ) BOA only gave me credit ONCE for {$2700.00}. 

BOA has been holding onto the other {$2700.00} since XX/XX/XXXX. I have tried to contact them numerous times by phone and by messages. 

It is nowXX/XX/XXXX. BOA still has not given me back my money or credited my account. 

If this was they other way around they would be charging me a late fee, they would be charging me 26 % interest etc! 

I am very upset with BOA This has to be illigal!!!

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 2017-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Ever since my compromised account ( XXXX ) was closed and reopened to the new ( XXXX ) EVERY SINGLE ATM transaction has been declined and NO ONE within the CHASE organization can explain why. I have been embarrassed, left with no way to gas my car, and no way to stock my pantry. 
My old account would ALWAYS pay - REGARDLESS of account balance!! And I never had to worry about my safety or wellbeing. REGARDLESS OF ACCOUNT BALANCE. And in all honesty, I had no problems paying the respective NSF fees. This new account blocks every transaction - not to mention, checks have been returned too!!!!! 
Im NOT happy!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-31 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: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
Did not receive the welcome bonus after qualified spending. Last time, American Express company said will contact me separately but still have n't received anything yet. 

Moreover, it seems has linked my bank account to other person 's Social Security Number. The Fico score is too high for me!! It 's not my credit history!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: WY

Complaint narrative:
I have a balance with a 0 % balance transfer rate that Chase Bank keeps applying my payments over the minimum to before it applies them to my higher interest rate balance. I submitted an inquiry several months ago and went back and forth over many messages. They claimed this was n't happening, but it 's clear that it is happening from the progression of balances on my statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I received an overdraft charge of {$35.00} for a transactions made on XX/XX/XXXX. But at no time on that date was my account in a negative balance. 

Bank of the West has a history of manipulating account date to extract the most in overdraft fees ; in XXXX, the bank agreed to settle a class action suit for over-collecting overdrafts for {$18.00} XXXX dollars.

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 2017-10-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation
State: TX

Complaint narrative:
Around the XXXX of XXXX, i contacted PHH Mortgage to see if i could skip a month 's payment due to the hurricane devastation in our XXXX Texas area. I was told about a program they had, but would have to pay all missed payments back eventually. Duh.. that was my intention. I got on the program thinking I 'd be back to paying my normal payments in XXXX, and just make an extra payment in XXXX to cover XXXX. Well, that did n't happen. Every day starting in XXXX, i got a debt collection call from PHH Mortgage about my " delinquent payment. '' And since then, I 've been receiving letters from PHH Mortgage about ( 1 ) delinquent payment ( s ), ( 2 ) ways to avoid losing your home, ( 3 ) credit score may be impacted and ( 4 ) lump sum " XXXX '' due XXXX/XXXX/XXXX ... yes that 's right XXXX! 
Through the disguise of " XXXX '' PHH Mortgage has been able to harass me daily! Through calls and mail! They have not helped me ... .they have turned a natural disaster into a nightmare. Other companies have allowed me to temporarily halt payments ... .without any harassment at all, with a clear understanding that i would return to regular payments on a given date and my owed balance would remain the same. 
PHH Mortgage seems to be using this devastation to rob me of my home and sanity!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JH Portfolio Debt Equities, LLC
State: WV

Complaint narrative:
For some reason XXXX XXXX has not sent me proof of my obligation of this alleged debt as requested and continues to report this trade-line to the XXXX major credit bureaus. This is creating major issues for me, such as, higher interest rates, denial of credit, lower credit scores, and job declines. 

I disputed this account on multiple accounts with all three major credit bureaus. Starting back on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I also sent a dispute request directly to XXXX on XXXX/XXXX/XXXX. To date, XXXX continues to ignore my requests and they continue to ignore my consumer rights. 

I believe this account does not belong to me. I requested the documents in their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting on my credit file. All unverified accounts must be deleted. 

Who verified the account? What documents did they use to verify the account? Where are the documents used to verify? 

The only correspondence I have received was a billing statement. This item does not qualify as verification per FCRA. This company is in violation for continuing to verify the account with the credit bureaus without providing the evidence as requested. It is my contention that XXXX know they can not tie me to this alleged account, otherwise, they would have done so when I made my other attempts. XXXX is blatantly disregarding the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 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: IL

Complaint narrative:
According to the FCRA, this isnt an account pursuant to 1681 ( a ) ( r ) ( 4 ), therefore this error should be removed. Your company is overlooking this important aspect of my reason for my dispute which your company has fail to verify now Im requesting physical evidence from your company. Im not looking to sue your company just looking for the most accurate complete data in my file. 
Please send me the proof that I gave any outside agency the permission to report any accounts OR NON ACCOUNTS please provide me with verified and valid contract on file that i have with XXXX XXXX XXXX ACCT # XXXX iVE ASK XXXX FOR THIS INFORMATION AND THEY DELETED THIS OFF MY CONSUMER REPORT i HAVE ASK EQUIFAX ON MANY DIFFERENT TIMES AND THEY HAVE REFUSE TO DO SO AND THEY KEEP TELLY ME THE CREDITOR VERIFIED THE ACCT BUT WILL NOT PROVE TO ME THAT IT HAS BEEN VERIFIED. EQUIFAX IS REFUSING TO FOLLOW THE FCRA I TALK THEM EQUIFAX ON THE PHONE AROUND XXXX XXXX XXXX AND THEIR AGENT TOLD ME THEY DIDNT HAVE THIS INFORMATION FROM XXXX XXXX XXXX IN THEIR FILE EQUIFAX OVER THE YEARS WHEN COME TO MY CREDIT HAS REFUSED TO VERIFY DATA BEFORE THEY PLACED ON CONSUMER REPORT : Under Section 607 of the FCRA you Must ensure the highest possible Accuracy of the information contained On my credit report. You have not Complied with this under provision of 15 USC Section 1681i in the FCRA, I am Demanding that this item be deleted From my credit record. 

EQUIFAX HAS CONTINUED TO BREAK THIS LAW OF FCRA THAT YOU SEE ABOVE I HAVE PROOF OVER MANY MANY YEARS ON HOW EQUIFAX CLAIM THE RESEARCH OR INVESTIGATED AN ALLEGED ACCOUNT AND THEY HAVE NOT. EQUIFAX HAS ALLOWED ANY COMPANY TO POST DATA ON MY CREDIT CONSUMER REPORT UNVERIFIABLE EQUIFAX HAS NOT READ THE TERMS OF THE FCRA AT ALL BECAUSE IF THEY HAVE THE TERM ACCOUNT CLEARLY STATE WHAT AN ACCOUNT IS AND WHAT ACCOUNT ISNT EQUIFAX HAS REFUSED TO DO THEIR OWN RESEARCH INSTEAD OF RELAYING ON DOING A DEPTH RESEARCH BECAUSE IF THEY WOULD READ THE DISPUTE THEY WOULD COME TO VERY EASY CONCLUSION THAT XXXX XXXX XXXX IS BREAKING THE FCRA AND FCBA AND FDCPA. EQUIFAX HAS REFUSED TO FOLLOW THE LAW

Company response to consumer: Closed with explanation