vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/XXXX a credit inquiry for CAPITAL ONE was placed within my XXXX, XXXX, and XXXX credit report. I contact the three bureaus to get them removed however they refused and told me I had to contact the company. So that's what I did. 

I called Capital One multiple times to get these resolved. After a few weeks they finally sent me a letter saying they advised the three bureaus to remove the inquiry from my report. However, the inquiry remained. I then contacted all three bureaus and sent them a copy of the letter ( attached ) sent to me from Capital One. The inquiry was removed from XXXX and XXXX, but XXXX still won't budge. 

Now, the Capital One inquiry was reinserted to all three reports dated XX/XX/XXXX. I now have TWO unauthorized inquiries ( XX/XX/XXXX & XX/XX/XXXX ) on my XXXX report, and one unauthorized inquiry on XXXX  and XXXX ( XX/XX/XXXX ) - all from Capital One. 

I have NEVER held nor applied for an account with Capital One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-30 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: CITIBANK, N.A.
State: VA

Complaint narrative:
XX/XX/ 2017 I received a letter form Citi Bank - XXXX XXXX XXXX, XXXX XXXX, SD- XXXX stating I was turned down for a credit card with them. 
Due to the XXXX Report " You have filed for bankruptcy and your previous account ( s ) with us was included in that filing.

I have never had a bankruptcy and never a card with them. I also pulled up my credit file with XXXX and it does not reflect anything, that their letter states.XXXXNow, I have been denied credit and it is a hard inquiry on my report. 
I tried calling the company and no one will help me, says to contact XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
Need a release form for a cosigner, was informed that a late payment ( due to miscommunication ) nullified my eligibility, but with regular payments for six months I would requalify. Did this with auto withdrawal, tried again only to get sent to a page with the form that could not be downloaded. Got no response when I followed up. Tried a few more times before I gave up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I recently received a copy of my XXXX credit report and I notice there is an unauthorized credit inquiry made by XXXX Dated XX/XX/2017 that I did not authorize

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 2018-01-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: IL

Complaint narrative:
In XXXX we rented an apartment with the XXXX XXXX, we stayed there from XX/XX/XXXX to the first second week of XX/XX/XXXX. When we left we moved to XXXX and rented for 16 months with no issues. I found out that the XXXX XXXX lost the property due to fraudulent activity like like making bad leases and using peoples info to rent apartments to people. Also to roach infestations. This info was given to me by the new owners of the XXXX XXXX XXXXThe old owners, which we rented from, gave my info to someone who rented there from XX/XX/XXXX to XX/XX/XXXX. And then that person skipped out on the rest of the months rent and so they tried to put the XXXX XXXX collection agency on me to get the rent that the people using my Social Security number left behind. There address in XXXX Tx is still on my XXXX report also and I never lived there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
In XXXX I lost my job and couldn't pay on an unsecured installment loan from HSBC. I had been making payments up until the point I lost my job so the balance owed was only {$2900.00}. It went into Collections where XXXX XXXX XXXX ( XXXX XXXX XXXX ) took over for recovery. They then put a judgment on me. I had signed a confession of judgment which I would it was my bill and made arrangements with them to take {$50.00} a month out of my check. This went on for 5 years from XXXX XXXX. I had paid them {$2700.00} over that time and they stopped taking money out of my bank account so I thought the bill was satisfied. It was only until this month XXXX when I tried to refinance my home that I found out they had put a {$4000.00} lien on my property. I called XXXX and tried to find out why. They had advised me that I defaulted in my payment arrangement by not recertifying with them to take money out of my account which I have never done for the 5 yrs they were doing it. They said I was sued ( with no notification or summons for me to appear in court ) and pre-judgment, post judgment plus other fees were added totally now {$4600.00}. 
I was very upset since I cooperated fully with repayment and was doing my part to clear up this debt. I am also very upset that paying in good faith they could not settle the balance owed as paid in full as a lot of creditors do since the left balance was only {$280.00}. I tried to explain that I DID NOT default in my payment arrangements but THEY DID by stopping my payments. They were uncooperative as to helping me rectify this as I pleaded since the balance was only {$280.00} I would pay and they could take lien off and they told me they could not do that because now the creditor wants all their money. I am very upset and would so like to clear this matter up. I do not have {$4600.00} and feel THEY defaulted me and THEY SHOULD clear this up for me. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
I made a wire transfer to Coinbase on XX/XX/XXXX, and they said it was declined due to a name mismatch, and that they will be returning this wire back to my bank within 7 business days. After 7 business days, I sent them an email, and they stated that they were dealing with higher than average requests time, and that they needed more information about the wire ( reference #, XXXX #, full name, etc. ). I quickly reply to that email providing all the information necessary. This was onXX/XX/XXXX 

On XX/XX/XXXX, they replied stating that they recently experienced delays with wires due to high volume and the additional manual processing that they require, and that all delayed wires from their backlog have been processed ; and that I should receive my funds within the next 2 business days. 

I sent them another email on XX/XX/XXXX about the status of my wire, and I have yet to receive a response. I have only been receiving automated responses, and it is now almost XXXX. This is ridiculous. WHERE IS MY MONEY? 

Case ID : # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
XXXX & Credence Credence continues to re-age an charged off account and XXXX continues to add it with the new date to my report. I have disputed this 2 times in the past but every 3-4 months they put it back on my report as new. It was just added again on XXXX/XXXX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC.
State: AZ

Complaint narrative:
I have asked Caine and Weiner repeatedly to stop contacting me. I do not owe them any of my money. The original debt came from XXXX XXXX which I have spoken with directly. I am on a payment plan with them and making active payments. So I would like Caine and Weiner to stop contacting me because I was told I am not doing business with them. Also they are reporting on my credit report and they shouldnt be!!!! I am sick of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
I closed my home in XX/XX/XXXX. On XX/XX/XXXX XXXX I received in the mail a delinquent property tax notice from XXXX County in the amount of {$1500.00} including {$31.00} in penalties. My daughter lives at the property. It was also stated on the notice that this amount must be paid by XX/XX/XXXX to avoid advertisement for lien on the property. 
I purchased the house with my daughter on XX/XX/XXXX and at that time an amount {$1600.00} for 13 months of payments at {$130.00} per month was accounted for and deducted from proceeds for payment of property taxes. Settlement statement Item : G line 3 under Other Costs. 
However, it appears the XXXX tax bill was never paid by Penny Mac from the escrow account ( in fact the money is still sitting there ) and has become delinquent.

My daughter called the mortgage company on XX/XX/XXXX and was told that the escrow company would be contacted and requested to take care of issuing the funds to XXXX County. 

My daughter called again yesterday to make sure the check was in process and spoke to XXXX but was told that the check has NOT been disbursed one week later it is still pending. The representative today also told my daughter that she would alert Escrow to get the funds dispersed ... AGAIN. 

As I do not have a record of the two phone calls, after my daughters phone call, I sent a letter as written notice of error yesterday to Penny Mac. 
I also stated that if any damages are incurred due to this error, a formal complaint will be filed with Federal and State Agencies and CFPB. 
As {$31.00} of the due amount is a penalty, I refuse to pay that part. Penny Mac should do so. 
I just checked my mortgage account online and funds have still not been disbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 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: SC

Complaint narrative:
On XX/XX/XXXX a credit inquiry for XXXX  XXXX was placed within my XXXX, XXXX, and Tranunion credit report. I contact the three bureaus to get them removed however they refused and told me I had to contact the company. So that's what I did. 

I called XXXX XXXX multiple times to get these resolved. After a few weeks they finally sent me a letter saying they advised the three bureaus to remove the inquiry from my report. However, the inquiry remained. I then contacted all three bureaus and sent them a copy of the letter ( attached ) sent to me from XXXX XXXX. The inquiry was removed from XXXX and Transunion, but XXXX still won't budge. 

Now, the XXXX XXXX inquiry was reinserted to all three reports dated XX/XX/XXXX. I now have TWO unauthorized inquiries ( XX/XX/XXXX & XX/XX/XXXX ) on my XXXX report, and one unauthorized inquiry on XXXX and Transunion ( XX/XX/XXXX ) - all from XXXX XXXX. 

I have NEVER held nor applied for an account with 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 non-monetary relief
Consumer complaint received 2018-01-30 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: SC

Complaint narrative:
On XX/XX/XXXX a credit inquiry for XXXX XXXX was placed within my XXXX, Equifax, and XXXX credit report. I contact the three bureaus to get them removed however they refused and told me I had to contact the company. So that's what I did. 

I called XXXX XXXX multiple times to get these resolved. After a few weeks they finally sent me a letter saying they advised the three bureaus to remove the inquiry from my report. However, the inquiry remained. I then contacted all three bureaus and sent them a copy of the letter ( attached ) sent to me from XXXX XXXX. The inquiry was removed from XXXX and XXXX, but Equifax still won't budge. 

Now, the XXXX XXXX inquiry was reinserted to all three reports dated XX/XX/XXXX. I now  have TWO unauthorized inquiries ( XX/XX/XXXX & XX/XX/XXXX ) on my Equifax report, and one unauthorized inquiry on XXXX and XXXX ( XX/XX/XXXX ) - all from XXXX XXXX. 

I have NEVER held nor applied for an account with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 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: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
i signed up for their credit card online on XX/XX/XXXX and when i signed up i saw a offer that if i use {$500.00} on their card withing 90 days, after account opening i will get {$200.00} bonus offer expires on XX/XX/XXXX. After when i completed that purchase requirement they only issued me {$150.00} as in XXXX points. I tried to get a resolution by calling them several times but their customer support is horrible. First time they told me they will issue that missing {$50.00} as XXXX points. And after that no response. I sent them message twice. And finally i called them today XX/XX/XXXX. They told me i am not eligible for that promotion. But i already got {$150.00} as bonus. Its just missing {$50.00}. But they they told me you can only get that if you apply online i cleared them i saw that online on your website and applied and you approved my application. And I took the screenshot of the offer. when i applied so i have that screenshot. I followed all their terms to get that bonus but they are just trying to scam me out {$50.00}. I have a checking account and credit card with them and i am going to close all of my accounts if they don`t resolve this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Pendrick Capital Partners Holding, LLC
State: FL

Complaint narrative:
Acct # : XXXX Dear XXXX XXXX XXXX, I have received a Medical collection letter from you regarding a debt in the amount of {$180.00}. Though the letter is dated XX/XX/XXXX, I have only received it in XXXX and by XX/XX/XXXX it was already added to my credit report which has  grossly damaged my credit. The letter that you provided was the first letter of it's kind that I received from you and I did not have enough time to accurately verified if the debt is legitimate. I did not know of this debt before nor did I received any information about this debt until now. {$180.00} is a such a small amount and could have welcome the opportunity to resolve the matter before damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
I had an outstanding balance with XXXX XXXX XXXX  that I satisfied and chexsystems is still incorrectly reporting that I owe and were unable to provide me with information about the account after numerous 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 explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Augusta Collection Agency, Inc.
State: WI

Complaint narrative:
I've have been dealing with Augusta Collection Agency Inc.. for awhile. I understand that the debt is mine and I am willing to pay it but I feel like I'm being treated very poorly and unfair. I have call them to try and settlement the debt in full but they refused, the sued me and did not properly informed me because I was living out of state and could not make it to the court date being that it was 3 hours drive to get there. I've asked multiple times to resend me paper and/or information and their response was that they already sent me paper and that they don't have to if they don't want too. they threaten to ruin my credit and that they will sue me again. They are very unprofessional in how they talk to me and they don't care about anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
on XX/XX/2017 and XX/XX/2017 your company pulled my credit again. I have been going through this for a year with you guys and its getting old and annoying. I dont know if their is a glitch in your system or someone is purposely running my information periodically. Please remove inquiries from XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX transfer my loan to SPS servicing. For the last three years they have tormented me stating they dont have proof of flood insurance and I know they do because it renews in XXXX  every year and they have all the information. Every year they threaten to force place Flood insurance on me at the rate of {$4500.00} per year. I have provided them proof and they keep threatening. Most recently XX/XX/2018. Every time I call in there I get stuck talking to a person from a different country that can not understand English. 

When my loan was modified by XXXX XXXX XXXX they took advantage of me and my family financially ( by placing us in a 40 year loan that we didnt need ). Then they turn around And sell the loan to SPS Because they did not want 40 year loans on their books. 

It has been a complete headache in more ways than one. Please Help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I've been struggling to pay this loan back because of a change in mine and my wife 's income! I've made payments the last several months to avoid " Charge Off '' and called to the company again today because I received another letter that was delivered to my house on Saturday XX/XX/XXXX. The letter was dated the XX/XX/XXXX and was delivered the XX/XX/XXXX. It arrived XXXX XXXX. Normally these letters arrive in the mail and have a more timely window before demanding payment. I informed the company over the phone that I was not able to make the payment of {$95.00} this month. My wife and I are in a rent agreement with our landlord to pay {$500.00} a month and my wife does not get paid until Thursday. As of the end of the month I would not have the funds available to cover the loan payment because of needing to cover my rent! I informed the company of this important matter and was then forwarded to payment assistance. For the past few months they have been telling me that I could be forwarded to payment assistance to a get a lower payment plan but there is a never a solution to extend a period of grace for me to make this payment. I missed a few months of payments 4 to be exact due to leaving my job and starting my own business. I have told the company of this matter several times and that I've had a cut in my mine and my wife 's income by about half. The company has not tried to make a negotiation with me to help lower my monthly payments. Most companies are willing to help you out and allow you to make lower monthly payments and I know this because I'm working with other companies I have debt with and normally even if your several months past due and have missed payments they work with you. This company does not have any kind of assistance. I have tried working with them to make a plan but all that they demand is the amount due before the loan would charge off. I've expressed my desire to leave the company all together and do banking with other companies. A financial hardship is difficult to overcome and when you are in the midst of it and have fallen behind the least you expect is that these corporate companies can work with you. I have attached screen shots of my phone showing last months payment, my current bank account balance, my recent letter from Wells Fargo, my rent payment from last month that shows I pay rent the end of the month and the amount in which I pay. I have said to them on the phone that I could not make the payment because of having to pay the rent expense. They refused to work with me or allow me to post date a payment because of the duration that the account is passed due.

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