vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-04 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:
According to my recent credit report request from Experian there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt.

15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & EXPERIAN VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX Experian XXXX   XXXX Account Number XXXX XXXX XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX Experian XXXX   XXXX Account Number XXXX XXXX XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX Experian XXXX   XXXX Account Number XXXX XXXX XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX/XXXX XXXX Experian Account Number XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX   XXXX Experian Account Number XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX Experian XXXX Account Number XXXX XXXX Account Type Collection Account Collection Account THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX Experian XXXX   XXXX Account Number XXXX XXXX XXXX Account Type Revolving Account Revolving Account Revolving Account THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX Experian Account Number XXXX Account Type Revolving Account THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX & XXXX XXXX Experian XXXX XXXX  Account Number XXXX XXXX XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT

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 2018-12-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Advance America, Cash Advance Centers, Inc.
State: FL

Complaint narrative:
This has been a solid 3 to 4 years advance america is committing fraud agenst my good name and time after time they beat around the bush saying its factual. they are commiting slander and more Insurance fraud. they clamed that i took out a loan witch i did not and i want to see the paper that bares my sigature of this. it was calmed to be taken out at the XXXX XXXX florida store on XXXX next to the XXXX. they are known to forge and report false accounts to the state government and XXXX people up. they don't call me they do nothing just beat around the bush 3 to 4 years i have been dealing with this and no help. they lie their teeth off and will sue them for defamation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
XXXX XXXX repossessed the vehicle on XX/XX/2018. We reinstated the loan on XX/XX/XXXX, which included the repossession fees of {$700.00}. There was to be another {$120.00} that would be billed at a later date. That was told to us by XXXX and the company the repossessed the car, which was fine. Since we reinstated the loan, XXXX has charged an additional {$700.00}, {$15.00}, and {$170.00} respectively at different times. There has been no explanation as to what the fees are. They are placed under " other ''. I have sent XXXX 2 different letters disputing the charges and they have not responded. As you will see through the documents provided, all past due amounts, late charges, and repossession fees were paid on XX/XX/XXXX ( please see " transactions '' ) I paid the exact amount they said in their certified letter that was needed to reinstate the loan. ( see reinstatement letter ) In addition, I have provided the statement from the repo company that all fees are to be capped in {$120.00} ( see vehicle release fee cap ). Finally, as you will see through my documentation, XXXX has failed to produce a statement for me since XXXX ( see statements ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-04 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: United PanAm Financial Corp.
State: FL

Complaint narrative:
I checked my credit report due to the fact that I was trying to get a vehicle loan. And then there is an inquiry on there I do not recognize neither does the dealership that I bought from.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 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: NJ

Complaint narrative:
Someone managed to open a card using my information. Once I discovered the issue monitoring my credit I begin the dispute process with both the company and Equifax. 
Equifax did not speak with me or ask any specifics around the fruad and deemed the account legitimate and stopped investigation. 

The problem now lingers and my credit is being effected as a result of a improper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 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: NY

Complaint narrative:
According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt.

15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX Equifax XXXX Account Number XXXX XXXX XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX Equifax XXXX Account Number XXXX XXXX XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX Equifax XXXX  Account Number XXXX XXXX XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX/XXXX  XXXX XXXX Account Number XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX   XXXX  XXXX Account Number XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX Equifax Account Number XXXX XXXX Account Type Collection Account Collection Account THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX Equifax XXXX  Account Number XXXX XXXX XXXX Account Type Revolving Account Revolving Account Revolving Account THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX Account Number XXXX Account Type Revolving Account THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX Equifax XXXX Account Number XXXX XXXX XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
i contacted my citi home depot credit card on or about XX/XX/2018 to tell them my bill i mailed them never got there so i had to cancel the check since it was stolen out of the collection box in front of the post office along with my vehicle registration to the DMV. I informed them i would make my minimum monthly payment at the Home Depot store either in XXXX, CA. or another one. and the next day i did!! yet on XX/XX/2018 I got 3 phone calls from them XXXX on Sunday XX/XX/2018 at XXXX XXXX XXXX, and XXXX. then the next morning, Monday XX/XX/XXXX they had the nerve to call me at XXXX XXXX in the morning, i answered this call and asked them why they were harassing me for {$58.00} after i called them two weeks ago and told them i had mail stolen. the rude jerk said we are required to contact you ... .er i mean we are authorized to call you when you account is delinquent. i asked him how longs my account been delinquent for? he said your 3 weeks late were allowed to call you after 3 weeks, or some XXXX like this. I asked him how am i late when i made a paymen on or about XX/XX/2018? and how many times have i been late in the past 15 years ive owned this credit card, he said he didn't have this information in front of him, but my XXXX bill is past due. so I asked him " Then why the XXXX are you calling my house 3 times yesterday, and then asked him why the XXXX hes calling me at XXXX in the morning when i just made a payment? he didn't have an answer, and started to make more excuses, so i interrupted him and asked him how much credit i was in debt for since i just called them a few weeks ago?? he said your account has an outstanding balance so were authorized to call you. I asked him so i owe you {$800.00} and you harrass me after 3 XXXX weeks after 15 years of NEVER being late, and calling you and making a payment? then i just hung up.

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 2018-12-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I've been making payments to Navient on a private student loan for the last 5 years. The balance continues going up. 

My mom who is XXXX cosigned and they will not allow her off the loan. I've been given erroneous information about allowing her off the loan. 

They have destroyed her credit and mine and I've called for answers, resolution and they will not provide any info. 

They are now harassing my mother at home by calling 15-20 times a day. 

I've fallen behind on payments and have called for assistance and I've been told I need to pay {$1800.00} and there is nothing they can or are willing to do to assist me. 

I desperately need assistance and a resolution to this. Please help. As you know Navient has multiple lawsuits pending for shady and illegal practices. I'm one of the people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Anytime I apply for credit using my social security number, the creditor will see on my credit report of extended fraud alert listed with my phone number, so they may contact me before credit is given to me. They usually ask me security questions to verify my identity. In this scenario, someone used my personal information and received credit line with XXXX XXXX. I was never notified by the creditor and was informed once the account was in collections. They have declined my requests for fraud, stating payments were made from bank account over the last couple of months. They verified payment funds came from XXXX XXXX, and I do my banking with XXXX XXXX XXXX. I have never held XXXX XXXX account. The name of the XXXX account, and my XXXX account do not match, and XXXX XXXX will not do anything to resolve issue. They have failed to take the necessary steps to verify my identity, extended credit without confirmation, and want police report stating I was victim of fraud before they could resolve issue.

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 2018-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I have a mortgage on my home, Wells Fargo acquired the mortgage from XXXX XXXX XXXX. The payment is due on the XXXX and late on the XXXX. I usually pay in advance. I mailed my XX/XX/XXXX payment on XX/XX/2018. The bank received it and processed it through my bank on XX/XX/XXXX. My checkbook journal says I wrote it for the right amount. Wells Fargo says the payment was short by {$100.00}. I can not verify this as the method Wells Fargo uses to process the check, something like a debit card payment according to my bank, means I can't get a copy of the check. Wells Fargo placed the entire payment in " unapplied funds '' on XX/XX/XXXX. Wells Fargo made no attempt to notify me of the alleged {$100.00} shortfall. On XX/XX/XXXX, the day after the past due date, Wells Fargo declared the entire mortgage payment past due and assessed a late fee of {$57.00} ( 57.97 % of the {$100.00} 's past due for 1 day. ) On XX/XX/XXXX Wells Fargo notified me by e-mail that the payment was past due and the late fee. I went to the bank on XX/XX/XXXX and paid the {$100.00}, the late fee was allegedly removed but it still showed on the account today, XXXX. I can not believe it is legal for the bank to hold my money and not notify me for 24 days so that it can assess a late charge, ding my credit and make it harder to get rid of them once and for all. Wells Fargo has my address, my e-mail address and my telephone number!

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 2018-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I checked my credit report due to the fact that I was trying to get a vehicle loan. And then there is an inquiry on there I do not recognize neither does the dealership that I bought 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 2018-12-04 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: IN

Complaint narrative:
Hello and greetings : I am a customer with XXXX XXXX. in XX/XX/XXXX/XX/XX/XXXX I  experienced difficulty and was advised by XXXX to stop paying loans and seek refinance and program assistance. I did so and was repeatedly threatened with foreclosure and refinance options simultaneously. During which time, XXXX was bought out and merged with another company. < so I was informed > I made a lump sum agreement IN WRITING with XXXX and paid all amounts due and late fees to date. I then began paying monthly payments and have continued to make monthly payments etc. No statements arrived soon after re-doing all the paper with XXXX and I went to teller at local branch < name withheld but on file > was given an amount which I paid with receipt. I have all accrued receipts and paper on file. When I applied fo credit and was denied due to XXXX reporting me late on XX/XX/XXXX payment etc I began to contact XXXX. They sent me a very large paper file aprox 2000 pages and informed me it was my job to now prove they apportioned the payments correctly. I approached the teller and informed her of what had occurred and the XXXX headquarters told her to inform me that she has no authority and not to discuss matters with me concerning my account. I was very distraught and experienced hardship due to the erroneous inaccurate reporting. All this stated, I wish to have an investigation into my XXXX XXXX accounts reported on my credit file. I am not late in XX/XX/XXXX nor after the written accord between XXXX collections and myself. 
I will begin to compile all of the monthly payment made at the local branch. accepted and cashed at the local branch as well the lump sums that were paid to XXXX with all late fees paid as well. 
My thoughts is that XXXX should not be reporting me late and should be practicing due diligence pertaining to me account and XXXX credit reporting ... My question for this bureau is what do I do from this point to follow up and interact to provide you with specific details and paperwork showing I should not have been adversely reported against and how to resolve all of this so that I can get settled and not be bullied by XXXX and the whale verse small fish tactics??? 
Thank you for your time and efforts. Please, just let me know exactly what you want me to provide and I will get it sent to you promptly. I have paid my bills and expect XXXX to reflect my timely payments and credit worthiness. XXXX has cost me enough duress and loss of enjoyments ; now my intention is to communicate to XXXX that it is their job to be reputable and due diligent toward customer service and especially unscrupulous credit reporting ... ..

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 2018-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I called to cancel my American Express Delta miles card. I talked to XXXX from XXXX Florida. I asked her to close my account and she responded by telling me that if I close my account they would take back any bonus miles that I received as a promotion. When I asked what would happen if I used the miles already and didnt have any left. She informed me that they would charge me for any bonus miles that were given to me as a promotion. This was false and miss leading information, and I told her that I want to see that policy in writing. She said that it was not in writing and that it was at the discretion of managers to make this kind of decision. I believe she was using a fear tactic to keep me from closing my card. Had I not known more information credit card companies or been less confident, I might have been afraid to close my card. I asked her to Close my card and transfer me to a manager, where I left a message on the voicemail. I have not heard back from American Express about this misleading practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I had an account with furniture row and was having monthly payments taken out of my account. The decide to go with another bank and closed my account without notification because the chose a different credit card company to go with. I notified the credit bureaus because it causes my credit score to drop. I am having major problems with Equifax I called them because my score has dropped like 50 points in the past month. I have no new loans or credit cards and no new delinquent accounts Shows nothing has changed but my credit score keeps dropping. I am concerned there is a breach or something happening on my report. My transition had dropped some but not like Equifax. I contacted them and they couldn't give me an.explanation I have a fraud alert already on my accounts. I have done nothing for my credit score to drop that much and I need an explanation. I have seen.my credit report and I can't find anything different besides furniture row doing what they did. That account has always been in good standing and they close that account on.me and it's affecting my credit report and it isn't my fault. Please look into Equifax. Something is going on. I have read online that other people 's scores have been dropping like that too for no reason and the main problem.was Equifax. I am.very concerned. I also have a XXXX XXXX  in collections for {$620.00} and I no recollection of this account. I have disputed it and it is fraud and they say it's accurate and it's not my debt. It's fraud.

Company response to consumer: Closed with non-monetary relief