vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-29 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: BARCLAYS BANK DELAWARE
State: SC

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

On XXXX. XXXX, 2019, BARCLAYS BANK DELAWARE add a hard inquiry on my credit reports. 
On XXXX XXXX, 2019, XXXX  add a hard inquiry on my credit reports. 
On XXXX XXXX, 2019, XXXX add a hard inquiry on my credit reports. 

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 2021-01-29 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: GA

Complaint narrative:
I noticed that i have been a victim of Identity Theft for a few years now. ( XXXX  XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX  XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: GA

Complaint narrative:
I Have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-29 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I have been a customer of Citibank for many many years paying off my balance in FULL every single month. I bought a TV in XX/XX/XXXX and did so for 2 years interest free. It is IMPOSSIBLE to pay my balance in full and then apply additional money directly automatically therefore I had to rely on manual payments each month which caused multiple late fees and INTEREST, which I never pay. I made a payment of {$1000.00} in XXXX and after three attempts they FINALLY acknowleged it but here we are again. I was SO frustrated with Best Buy Citicard that I contacted the Executive Team who didn't even call me to discuss. I was SO upset in XXXX that I was speaking to a supervisor where I told them I wanted to PAY OFF the {$1400.00} for the SAC for the TV even though it wasn't due until XX/XX/XXXX because it was causing excess charges and the supervisor gave me the TOTAL including the TV. It was RECORDED. I paid over {$5000.00} to inlcude my balance AND the XXXX XXXX and now they're saying that that's not true. {$5000.00} didn't include the TV. I asked them to pull the call records and NOTHING. This is a TOTAL scam and they're lying and are not being held accountable. I am ANGRY. They are taking advantage and lying to me and will NOT help me correct this issue and are NOT applying correct payments. The response team responded and the information was WRONG. It's a JOKE AT MY EXPENSE!!!!!!!!

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 2021-01-29 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: GA

Complaint narrative:
I noticed that i have been a victim of Identity Theft for a few years now. ( XXXX  XXXX  ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX  XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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 2021-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I can not login to get my credit score and free 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 non-monetary relief
Consumer complaint received 2021-01-29 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: Fleet Financial, Inc.
State: SC

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

On XXXX. XXXX, 2019, XXXXXXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2019, XXXX/ILENDINGDIRECT/IFLEE add a hard inquiry on my credit reports. 
On XXXX XXXX, 2019, XXXX add a hard inquiry on my credit reports. 

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 response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: WELLS FARGO & COMPANY
State: SC

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

On XXXX. XXXX, 2019, XXXXXXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2019, XXXXXXXXXXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2019, WELLSFARGODEALERSVCS add a hard inquiry on my credit reports. 

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 2021-01-29 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: GA

Complaint narrative:
I Have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Recovery Management
State: AL

Complaint narrative:
My identity was stolen and used at a local hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: MI

Complaint narrative:
Chime advertises an {$100.00} spot me limit and paid up to 2 days early feature on their website and all over the internet through marketing. I signed Up for chime 11 months ago based on these advertisements. Ive had around $ XXXX deposited into my bank account from my direct deposits from work and i have Yet to see the {$100.00} spot me limit, Ive emailed chime back and forth, they say they cant raise my limit to the advertised limit. They have bait and switched me with false advertisements, i want What i signed Up for which is the {$100.00} spot me limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I have a small business and an 11 year relationship with PayPal for XXXX XXXX XXXX. They have a company call XXXX XXXX  or XXXX loans that they say is now owned by PayPal. 
They supplied me with a XXXX loan and I have been paying it off without issue every week with XXXX increments. I was getting down to the end of my loan and I applied to see if I could get a small increase, due to COVID and Pandemic issues my business is not back as we service XXXX XXXX XXXX around the US with XXXX XXXX XXXX Reps. 

If order to get you to send over all of your personal documents, they bait you into saying you are approved, for {$20000.00} they were going to provide the final pay off of my loan of XXXX and then provide remaining XXXX or so as I opted for XXXX as I never take on more than I need. 
I sent in my documents and then they turned me down due to my business obviously being still down but on it way back up when XXXX XXXX XXXX start in May of XXXX 
There are a large number of comments from others on their website who experienced the same thing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: FL

Complaint narrative:
Our mortgage company, Guaranteed Rate, made a premium payment of {$4600.00} to XXXX XXXX for homeowner 's insurance in XX/XX/XXXX in error ( see attached escrow statement ). They paid this premium for a policy that is not on a property on which they hold a mortgage. This policy is almost double in cost of what our actual policy is on the property that they hold a mortgage. The premium that they paid ( {$4600.00} ) is for the policy which we have on our primary residence, and we do not hold a mortgage with them for this property currently. The property on which they hold the mortgage is our vacation home. In short, they used our escrow money to pay a premium for a property that is not tied to this escrow account. 

I received a check from XXXX XXXX for {$4600.00}, as I had already paid the premium for our primary residence ( we do not have a mortgage on this home ). I had to call more than 15 times to get this error corrected beginning on the date that I realized that they paid the wrong premium. I was told that they did not have the declaration pages, which is not possible as we provided those at closing in XXXX of XXXX. 

After making the payment to the wrong company, on XXXX, Guaranteed Rate 's escrow department recalculated my escrow based on this erroneous premium ; resulting in my mortgage payment being increased by 40 % from {$1800.00} to {$2500.00} ( see attached monthly statement ). I received this notice in XX/XX/XXXX. 

I re-deposited the {$4600.00} back into my escrow account on XXXX, upon Guaranteed Rate 's direction. I called on XXXX to request that they recalculate my escrow, and they informed that they would do this immediately. As of XXXX, when I spoke to a supervisor, they still not had done the recalculation. 

The actual homeowner 's insurance premiums that will be due in XX/XX/XXXX are {$2600.00} in total, substantially less than the {$4600.00} that they used in their escrow recalculation. The increase in my mortgage payment is based on paying them back for last year and then the projected payment of {$4600.00} for next year ( both of which are incorrect ). 

I have spoken with multiple people, including supervisors, and they have told me that they can not adjust the new payment amount for a few months as that is their policy. Being that this is their error, I expected them to correct it immediately. I can not manage a 40 % increase in my mortgage payment due to their error and asked that they revert the payment amount to what it was until their error is rectified. That has not happened and the inflated payment is due XX/XX/XXXX I am asking for assistance in getting this matter resolved, so that my XXXX payment is what it should be based on accurate data. Currently, the payment amount is incorrect based on the egregious error that Guaranteed Rate made in paying a premium for a policy not held on the property for which they hold a mortgage currently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX  XXXX XXXX Balance : {$1100.00} This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX XXXX Balance : {$1400.00} This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX  XXXX Balance : {$1900.00} You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VT

Complaint narrative:
XXXX XXXX XXXX received a XXXX - 1099-c from Bank of America indicating that a credit card had been discharged in the amount of {$2900.00}. As I could not remember having a credit card in the last 10 years with Bank of America. I contacted them for more information. Bank of America customer service stated that the card was opened in XXXX and the last payment on the card indicated on the form, joint with XXXX XXXX with the last payment made on the card was in XXXX? The credit card number is XXXX, and the date of the identifiable event was XX/XX/XXXX. I had not received any communication over the years to indicate that there was an outstanding balance, or that the account had been charged off. Nor was I given the opportunity to remedy any past due balances. My wife XXXX pulled copies of our mortgage that included a copy of our credit report from XXXX. Upon review of the credit report, there are 2 credit cards reported for Bank of America. Once was opened in XXXX, # XXXX and in XXXX was reported as delinquent, and does not match any of the numbers listed on the 1099-C. This card also does not match any of the information that Bank of America provided me over the phone. The second Bank of America Card # XXXX, opened by XXXX in XX/XX/XXXX and had no balance on the card in XXXX of XXXX. Neither of these cards are reported as being joint cards. I would think that if the credit card number reported on the 1099-C would have the four numbers reported on the credit report someone in the credit card number line up. Neither card four digit number reported on the report in XXXX appear in the 1099-c account number. There are no other credit cards for Bank of America reported in XXXX that was opened in XXXX as a joint card with XXXX. I have highlighted the two Bank of America Accounts on the XXXX report. I also pulled my free credit report and there is no Bank of America Card listed as a charge off. I also have obtained copies of my credit report from other creditors and this account has not shown up as a charge off or an open account in the past 2 to 3 years. I don't believe this is our card and don't feel that we should have received this tax statement or that is should have been reported to the IRS as additional income. If Bank of America can provide the application with our signatures and tell me which account it matches up to on our XX/XX/XXXX credit report, then I will gladly claim this discharged debt as income.

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 2021-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX  XXXX XXXX Balance : {$1100.00} This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX  XXXX XXXX Balance : {$1400.00} This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed.

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 2021-01-29 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: GA

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( XXXX  XXXX  ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX  XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable. I will call my lawyer about this. REMOVE THE FRAUD ACCOUNT ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: GA

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( XXXX  XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX  XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable. I will call my lawyer about this. REMOVE THE FRAUD ACCOUNT ASAP!

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 2021-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I simply can not comprehend how Equifax punishes someone for doing the right thing. Recently, I paid off a credit card, and also paid 3 XXXX XXXX XXXX off for less than the actual amount owed, freeing up over {$15000.00} of debt. A reasonable person with common sense would naturally think by doing the right thing, their credit score would increase, but with Equifax, I lost a lot of points. I understand a person losing points for not paying their bills on time, as well as using a form of credit line, but it doesn't make any sense at all for the person to have further points deducted for doing the right thing. I have tried to speak with someone at Equifax concerning this, but good luck speaking to an actual person. Not only is their customer service pathetic, but it also seems so is their grading structure. Based on my experiences with Equifax, there simply isn't no way for me to increase my score when everything I do that is considered to be right, I get punished by having more points deducted. Someone, or an agency, needs to step in and make the necessary changes so that people like me, who are trying to do the right thing, doesn't get punished for doing so!

Company response to consumer: Closed with explanation