vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
To whom it may concern : The following information is my contacts : XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX -- XXXX or XXXX Mortgage Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX In XXXX I filed XXXX with my XXXX. I did NOT include my mortgage in the XXXX. When the bank was informed of the XXXX their XXXX charged me {$750.00} to investigate the XXXX. They attached this charge to my loan. The bank has now informed the credit bureaus that my mortgage loan with them was included in the XXXX and that I have not made any payments on the loan.
<P/>
I tried to contact the bank XXXX and was told it would cost me to speak to him and that he had to right to as he did on my account. I talked to my XXXX XXXX who said the bank has every right to report as they see fit. I did sign a re-affirmation that said I would continue with my payments on the loan.
<P/>
I know the XXXX will stay on my Credit Report. However should I decide to sell my house I will never be able to rent anywhere because of the false reporting on my mortgage payments.
<P/>
How can I get this fixed? Can you help me? Please see what you can do to help with this situation.
<P/>
Regards

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 2017-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I received a call and message ( using my na me ) from  Student Assistance Corporation on my cellular phone which is on the national do not call registry from someone who stated in the message that they were attempting to reach someone with the same last name as me about a student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: TX

Complaint narrative:
After closing my cable account with  XXXX , they later sent me a bill saying that I did n't return merchandise but I DID. I did n't get a receipt from them when I returned the merchandise. I was n't advised to by the employee that I would or could get a receipt when I returned the merchandise. They later billed an additional {$130.00} the total ended up being {$300.00}, which was paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I applied for a Used Car Loan at Navy Federal Credit Union. The loan was for {$21000.00} at an interest rate of 10.49 %. The loan was approved and I was issued a check to make the purchase. I purchased the car, a   XXXX   XXXX   XXXX  , from   XXXX   XXXX   XXXX  , for the sum of {$21000.00} and paid with the Navy Federal Check I was provided by the Bank.
<P/>
The   XXXX   XXXX   began to develop problems and I returned the vehicle to the Dealer who attempted to fix the vehicle. The problem persisted and I returned the car back to the Dealer who offered to exchange the car with another car. I accepted the offer.
<P/>
I informed Navy Federal and because of the exchange Navy Federal now wants to increase the interest rate on the transaction even though the transaction had been completed between Navy Federal and myself. Further, the exchange was by the dealer for another car.
<P/>
Navy Federal can not change the terms of a deal after the deal had been consummated between myself and the bank.
<P/>
The breakdown of the Navy Federal loan is as follows : Loan - {$21000.00} ( Check Amount ) Loan Protection Plan - {$190.00} ( Added to the check amount ) Total Shown on Contract - {$21000.00} I have made payments on the loan as I agreed to and the Bank continues to accept my payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-14 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: WI

Complaint narrative:
I tried to fix this wish Transunion and they would not take care of the negative inquiries listed.     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 2017-06-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: American Credit Acceptance, LLC
State: SC

Complaint narrative:
I went in on a joint with loan with my daughter it was approved and the vehicle that was sold to her was a lemon the motor went out. The dealer  XXXX   XXXX   XXXX , SC took the vehicle back and a couple of weeks and found her another vehicle. They again needed me to supply my financial information again for the ban k American Credit Acceptance   XXXX , SC for the second car. I told them no I was n't going to be on that loan since the first car was a lemon. The dealer submitted my information with the second vehicle without my permission and this auoto loan now shows on my credit report as a charge off. I did not give the dealer permission to use me as a joint buyer on this second vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
Trying to use   XXXX   XXXX   and the amount of money in my bank account does n't accurately show. I bank thought capital  one 360 ch ecking

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
My husband and I recently were trying to refinance our home to acquire a fixed rate mortgage. We were in the final stages of the refinance process, the Bank called to inform us on the property report they use which is  XXXX  reflected we had a property foreclosure in  XXXX   XXXX ,  2015 , property located  XXXX   XXXX   XXXX   XXXX  Tennessee. This property was included in our Chapter  XXXX  Bankruptcy. Under the  Federal  Bankruptcy laws all  debts that are included in the Bankruptcy the reporting of any derogative information ceases one the bankruptcy is discharged. The lender Wells Fargo reported this in the property foreclosure  XXXX  system .   We want this information removed from any reports and the bankruptcy laws enforced.

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 2017-06-14 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: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
I have tried to open up  XXXX  accounts at  XXXX  different banks.I wa s denied by chex systems.I do n't have any delinquent bank account reporting to the chex systems.They ar e discriminating against my personal life.I should be able to open as many bank account as I want.Along as I am in Good standing with those banks and is responsible financially to manage those accounts.I will be filing a  XXXX   XXXX  dollar federal class action lawsuit against chex systems for reporting inaccurate incorrect and inaduaqute items to those who have an positive banking  history.This is also causing me emotional distress and I am sure it is causing others emotion distress too.Chex systems incorrect inquiries on my credit report.Why am I and others being penalized for dum stuff.If no one is delinquent  or have an bad credit history banks.Then that should n't matter.What should matter is that person has a positive banking history.  <P/> Here the key factors   for on the report saying I could n't open an account.
-Time since non DDA -Inquiries Activity-I should have a right to open as many accounts as I want.
-Non Evidence of Asset Ownership.Why are they focus on my asset.This is a form of discrimination.
-Non DDA Inquiries or Retail Item History.
-DDA History.
<P/>
Why is this stopping me from opening up an account ... This is does n't say I am of risk to any banks.I am requesting a full investigation.I am requesting these item  s on my report be removed asap.They are not an reflection of my life and business.

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 2017-06-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/XXXX, I opened a secured credit card with Capital One current amount {$600.00}. Never had any late payments or over limit. Capital One provided free credit monitoring. In XX/XX/XXXX I opened a secured credit card with XXXX XXXX who checked my credit. Capital One credit monitor sent an email stating there was a change in score. On XX/XX/XXXX, I received email from Capital One stating they were sending a new card XXXX XXXX with a tracking number that showed the card had been sent to an address in Maryland. I have never lived in Md. or used an address in Md so I immediately called Cap. One. They said my old card was closed and not to use it. I could not log in online to make payments as usual. They reported the Md. address to all three credit bureaus. I talked to three people one of whom directed me to go a bank and call back. When I called back from a bank I was told to send in a utility bill to prove my address. They could have said that on any phone. On XX/XX/XXXX, I replied to the XX/XX/XXXX email and told Cap 1 to close the account and to send payment statements by mail. A few days later I received in the mail from Cap 1 addressed to me a solicitation to open a new account Towards the end of XX/XX/XXXX I  called to make payment and spoke to gentleman with heavy XXXX accent who refused to accept payment due on XX/XX/XXXX. On XX/XX/XXXX, Cap 1 credit monitor alerted me to change in score. I learned my score went down XXXX points because Cap 1 reported 30 day late payment.I believe Cap 1 did all of this because I opened an account with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been in contact with experian numerous time about errors on my report. I have done all their steps to get issue resolved however every time i call, i speak with a different person who providers different information.The are a numerous inquiries on my report that was not authorized by me and when i tried to reach the companies they can not locate me either. The companies   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 2017-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase Slate, I am POA and Legal Proxy for XXXX Aunt. We have a Special Needs Trust where the money is held by Chase Bank and linked to my personal accounts so I can pay my aunts bills. My aunt also has a Chase Slate card where her personal care attendants fraudulently charged to her card in XX/XX/XXXX. I have been try to pay her bills and get access to her Chase credit card so I can dispute the charges. All legal POAs and Trust docs were submitted to Chase Legal through XXXX XXXX at Chase Bank at XXXX XXXX XXXX XXXX, XXXX, AZ on XX/XX/XXXX. Today, I still have no access to the Chase Slate card. Chase linked the Special Needs Trust to my account but refuses to link the Chase Slate credit card for me to dispute the charges, get copies of statements and do other things I am required to do as her trustee. Legal docs refaxed on XX/XX/XXXX per XXXX to XXXX. Complaint submitted by Chase official to upper mgmt. again on XX/XX/XXXX when I spoke to XXXX, who forwarded me to acct supervisor, XXXX. Today, XX/XX/XXXX, I am  on the account as legal POA but have no way to access the account via computer to get copies of XX/XX/XXXX statements or dispute charges. Do n't understand why Chase will allow all of her money to be linked to my account, but not allow me access to her credit card to dispute fraudulent charges. My aunt is XXXX and only has use of XXXX XXXX. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 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: Choice Recovery, Inc.
State: OH

Complaint narrative:
I received a phone call from Choice Recovery located in  XXXX , OH a couple of years ago and said that I had a few hours to pay {$57.00} for a visit to  XXXX   XXXX  in  XXXX , OH or  my credit score would be negatively affected. I ignored them and thought nothing of it and blocked the number. Recently I checked my credit score and the debt I still " owe '' is in fact damaging my score. This " debt '' needs to be removed from my account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 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: TX

Complaint narrative:
I have been in contact with equifax numerous time about errors on my report. I have done all their steps to get issue resolved however every time i call, i speak with a different person who providers different information.The are a numerous inquiries on my report that was not authorized by me and when i tried to reach the companies they can not locate me either. The companies   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Navient failed to notify me of important deadlines to renew my income based repayment plan. Resources to  find these deadlines, and the appropriate procedures to follow, were n't even available on their website. I 'm a busy person, and remembering when and where I have to renew my repayment plan was lost in the mix of everything else I had going on. My f irst IBR payment wa s made in  XXXX . Less than a year afterward, with no explanation or warning, my monthly payment went up, and I was charged {$370.00} in capitalized interest on  XXXX / XXXX /  XXXX  . A few months later, I was given information to ( quite easily, I might add ) file for forbearance after I 'd been late on payments. At no time, EVER, did they direct me where to go to renew  my IBR plan. I searched around on the website, looking everywhere to find information on renewing my plan, to no avail. Given that it had been over a year ago, I did not remember that the place to submit documentation was not Navient, but a gov ernment website. I now have accrued interest from said forbearance ( and deferment later on, as I STILL COULD NOT AFFORD THE $  XXXX /MONTH THEY WERE BILLING ME FOR when my forbearance was over ). I 'm disgusted by these shady, irresponsible business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I made a check for {$70.00} to pay   XXXX   on  XXXX   XXXX ,  XXXX . I noticed on  XXXX   XXXX ,  XXXX  the check for {$5700.00} being paid from my account. The check was altered and made  Payable  to  XXXX   XXXX  along with amount of {$5700.00} and not the {$70.00}. I contacted the Bank of the West branch  manager   XXXX   XXXX  about the problem. He said he would handle it.   I was also the victim of another altered check at the same time period from another bank and I was credited for that amount in a couple of weeks. That other check was also altered and Made payable to  XXXX   XXXX  for {$5800.00} and I had made it to the city of long beach for {$500.00}.   I insisted with  XXXX   XXXX  my branch  manager  for months after and said he was checking on it ...  XXXX  of  XXXX  came and he informed me that the bank was not going to credit me

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 2017-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On  XXXX   XXXX ,  2017 , I was approved for a secured credit card with CitiBank. The card the was supposed to arrive on  XXXX   XXXX . The card did n't arrive. I called CitiBank to ask what was going on with my card. They told me to wait 10 days to see if the card arrives in that time. I waited the ten days, and the card did n't arrive. On  XXXX   XXXX , I called them again to see what was going on. They told me to wait until the end of the day, as the card  may  arrive during that time. The card did n't arrive. I called the next day and was told that they could n't send it to me because of security reasons. Getting frustrated, I called again that same day, and I was told to wait another 10 days for a replacement.   XXXX  I am tired  of CitiBank 's ina bility to get me my card on time, and that is why I file this complaint.

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 2017-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Optima Recovery Services LLC.
State: TN

Complaint narrative:
XXXX  is rude and hateful and talks down to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
All denials and discrepancies seem to be intentional and unethical. I was approved for a forbearance less than 4 months ago and no changes have occurred with my income to date, in addition my expenses have decreased.     When contacted by CHase  Executive Office I a m always assured that there are no findings on their internal audits.  <P/>   X/XX/2017 - Appe al submitted for denial and request for income calculations since occupancy is no longer an issue.      X/2017 - 3rd modification was denied for insufficient income.   XXXX  - 2nd modification was submitted and not processed until a complaint was filed with CFPB  X/XX/2017 - Mod  ification application approved for forbearance, then denied for an internal error that reflected an occupancy discrepancy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CJA Auto Sales, Inc.
State: AZ

Complaint narrative:
I have spoken to  XXXX  at this company several times and come to find out, she is recording my phones calls without telling me that they are recorded. I found this out through another customer that is having the same issue with this company. This company has used scare tactics and threats to me and my husband. I have repeated several times told this company that my husband and I do not have money to pay and I have even sent them documentation proving my  XXXX  status with Social Security and my husbands status. They still are pursuing us and making threats, the last phone conversation I had with  XXXX , she recorded it and did not advise me of this, or the fact that this was attempt to collect debt, never have they said this to me during any of our phone conversations. This company is using unfair collection tactics that are against the law and I would like them investigated please. I have heard countless stories about them and I also have my own experience. I have been in contact with an Attorney and will file a law suit for this unlawful behavior. I have told this company and even provided document to further prove out financial situation. We are filing Bankruptcy in a very short order and I have also told them to stop contacting me and I still get emails from them.

Company response to consumer: Closed with explanation