vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-10 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: GA

Complaint narrative:
I recently checked my credit and I noticed my reports for  XXXX ,  XXXX  and Experian contained inquiries from companies to which I did not grant permissible purpose to pull my report for any reason. I have no idea how they could have gained access to my information without my consent but it is damaging to my credit and I want them removed. They are as follows  :   XXXX   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  - XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX  Experian :   XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX  I also think that it is strange that the multiple pulls from  XXXX  and   XXXX   XXXX   were placed on several different dates.

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 2017-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ASSOCIATED BANC-CORP
State: MN

Complaint narrative:
Associated Bank in MN is apply a lender credit based upon the rate chosen and calling it a " grant '' so that the funds can be applied towards the down payment required of the borrower. XXXX recently issued a statement that this will no longer be allowed. The lender credit for rate selected should not be considered a " grant. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
XXXX   XXXX   & Knig ht Adjustment Bureau are collecting on the same debt at the same time and both reporting to credit. I have read several complaints about them doing this same thing to people. By law  XXXX  companies can not collect on the same debt at the same time. They are both in violation,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Farrell Holdings, LLC
State: UT

Complaint narrative:
Prime Acceptance &   XXXX   XXXX   XXXX  are collecting on the same debt at the same time and both reporting to credit. I have read several complaints about them doing this same thing to people. By law  XXXX  companies can not collect on the same debt at the same time. They are both in violation,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I received an offer from capital one credit for a zero percent interest check. I went ahead and deposited it into a capital one account. They went ahead and put a hold on it and when I called the rep she told me they check is fraudulent. Then putting on a hold on it somehow made my account go negative. Not sure why and the rep could not explain to me anything. The they made it positive again. Would be nice to have competent people on phone to answer questions. Then the check posted to my credit card account and they sent me a letter saying they have confidential information the check is bad. What 's going on with this place and what is this confidential information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: UT

Complaint narrative:
ERC started to report on my credit file without send me a 30 day right to dispute .... I had already paid the XXXX debt prior to them reporting and by law they have to notify me with the 30 day right to dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am contacting CFPB today because consumers can no longer purchase their credit score without being forced to sign up for XXXX 's monthly credit monitoring subscription. In previous years, I am able to go to XXXX, download my credit reports, and purchase my credit scores in a straight-forward fashion. Today ( XX/XX/XXXX ), I see that two of the three credit agencies - XXXX and TransUnion - are using deceptive marketing tactics to lure consumers into purchasing their monthly subscription when they are thinking they are making a one-time purchase of their credit scores. As a credit trainer for seniors, I am particularly concerned that this vulnerable population will be tricked into paying for a service they never intended to sign up for and possibly not discovering the problem until many months and many dollars later. <P/>With TransUnion at least, there is a very, very tiny link at the very bottom of their " get your credit score '' webpage that allows consumers to bypass their credit monitoring subscription to pay for the credit score directly. <P/>XXXX, however, does not offer ANY option to purchase their credit score without having to become a credit monitoring " member ''. This was what I was told by an XXXX representative when I called for assistance. I called back subsequently to lodge a complaint with XXXX 's corporate headquarters but was told by the operator that she did not know who I could/should speak with at the Executive Offices. When I acquiesced to speak with an agent who will take my complaint, I was left on hold indefinitely. I hung up after about five minutes of waiting ... <P/>Please advise XXXX ( and to a slightly lesser extent, TransUnion ) to cease and desist in using predatory marketing practices regarding credit scores and make them more easily accessible to consumers. One should not have to scour a webpage with a fine-tooth comb to purchase one 's credit score. And consumers should never be forced or tricked into signing up for a monthly subscription of a service they do n't want simply to get their credit scores! <P/>Thank you for taking the time to review my complaint. I hope something can be done. <P/>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 2017-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: COLLECTION BUREAU INCORPORATED
State: ID

Complaint narrative:
Saw a massive hit to my credit report with my free yearly credit check. Says Collections ACTIVE. <P/>Date reported is XX/XX/XXXX on the credit report. ( Illegally reporting false debt ) Date on Court documents states XXXX XXXX XXXX. ( I'n my eyes ; Submitting False Evidence ) Debt Collector notified me of intent to collect, I disputed the debt. They claimed it was valid and we went to court. <P/>Oregon Case No. XXXX Collection Bureau , Inc vs Me ( Defendant ) I won in court, having the entire amount dismissed with prejudice. <P/>Now some time has passed and come to find out they violated the FDCPA by reporting to Credit agency XXXX. From case notes provided by Collections Bureau Inc for Case XXXX ( XXXX Oregon ) Collections Bureau Inc Claims debt was assigned to them on XX/XX/XXXX, a day after they reported it to my Credit Agency Damaging my credit. Upon getting notified of their intent to collect I refuted it 's validity and even won in court at a later time. They did not remove their collection notice from collection agencies and illegally damaged my credit rating. Unknowingly I have suffered with a lower credit score that may have affected my purchases interest-rates and that of my student loans seeing they are on variable rates. I contacted Collection Bureau Inc today XX/XX/XXXX, informed them of the situation. They transferred me to legal. I informed legal of the situation and they stated I must dispute the claim if I do not want it on my credit report. Seeing they illegally reported against my credit and refused to take action to remedy the situation ; I am reporting this to Consumerfinance.gov I'n hope to prevent future person ( s ) from having to deal with this agency. <P/>At this point I retain my rights to prosecute for damages or any other issues relating to this case. I 'm 100 % sure if they wish to contact me with an public apology, that they still have my phone number. In the mean time I have disputed the claim on my credit report and hope to see this issue resolved quickly.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I am XXXX XXXX in the XXXX program. My loans through Wells Fargo are for my XXXX which should be deferred until I graduate in XX/XX/XXXX. Wells Fargo states that i withdrew from the XXXX program in XXXX of XXXX ( which never happened ) they now inform me that my loans are due XX/XX/XXXX, I have made numerous calls to Wells Fargo in regards to my XXXX XXXX status. They requested that I fax my current and previous class schedule which I did, now they want other forms filled out by myself and the school because they do n't know why I was told to send my class schedule. In addition my student loans online state they are in grace with XXXX due, if I have a payment due on XX/XX/XXXX and it 's currently XX/XX/XXXX should n't a payment amount be there?

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 2017-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Calls repeatedly from different numbers. Called at home and work. Made threats about attorneys. I do not owe this Company, however, they are not interested in hearing what I have to say.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Ive applied for a home depot credit card over 10 times and there is no response from citi bank. a couple times they have responded with ridiculous reasons for not extending me credit. i have called the manager at the home depot store and explained it as well and they can justify them turning me down, indicating there is something else going on.

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 2017-07-10 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: WA

Complaint narrative:
On XX/XX/XXXX I payed my Capital One credit card in full XXXX to avoid interest charges. I used my mothers account because they required payment from a checking account with a routing number and a checking account number. They gave me credit for the payment however they put an 11 day hold on the payment and still have not take in the payment from my mother 's account and have not credited the payment to my card preventing me from using my card. I have called three times. The first time the rep hung up on me. The second time I called they transferred me to the fraud unit and he was unable to help because he could not talk to my bank which I had a rep from my bank on hold to set up a conference call but he refused to talk to her because he said he had to call the XXXX number himself. The third time I called, the Capital One rep called my bank ( supposedly ) and had a bank rep on the line which she would not allow me talk to without interruption. Capital One told me during that call they released the hold on XX/XX/XXXX and requested payment but my bank was not seeing it and there response was see it 's your bank for holding up the payment but it 's done electronically and it shows up immediately even if it takes a couple of days to come out of the account. They have lied on multiple occasions and I believe this is retaliation for paying the account off. Today is XX/XX/XXXX and they still have not done what they said they were going to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL

Complaint narrative:
Dear XXXX XXXX IQ DATA INTERNATIONAL Mailed me 2 documents on XX/XX/XXXX-2017 enclosed was validation of debt. However the documents sent to me was documents typed up from IQ DARA INTERNATIONAL. I would like to see a signed contract with my name and dates showing i have a contract withIQ DATA INTERNATIONAL. Below is the documents that was mailed to me which is  not a validation of debt. <P/>Thanks

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I was being proactive and reached out to the company, Synchrony Bank prior to my XXXX 2017 payment being due on my Care Credit account to advise them XX/XX/XXXX's payment was going to be late due to some financial issues but I assured them both XX/XX/XXXX and XX/XX/XXXX 's payment would be paid in full by XX/XX/XXXX 's due date of XX/XX/XXXX. They kept calling me several times a day after this conversation. I spoke with them again about a week later and explained the same thing. I continue to get several calls and voicemails per day. I finally got fed up with them harassing me all day on my cell phone while I am trying to work so I called them this evening on XX/XX/XXXX when I got off to set up a post dated check of {$180.00} for XX/XX/XXXX and XX/XX/XXXX payment plus the {$27.00} late charge they charged me, just as I promised I was going to do in the previous two conversations I had with them. They assured me after I post dated a payment with them out of my bank account the calls would stop. I set up that payment today when I called them back at XXXX ( per my phone log that I have included in the photos ). I received a confirmation # of XXXX. As you can see in my phone log I have attached in photos, they then proceeded to call me again 20 minutes later at XXXX. I called them back again at XXXX and advised them to stop harassing me and calling me that I just set up a post dated payment covering both payments and the late fee. I also told them that this has been the very first time we have ever been late on our account in approx 2 years and they needed to stop. In the past 2 days, they have called me 8 times and left me 3 voicemails ( see photos of phone logs ). This is harassing and excessive for the first time being late and not even being 30 days past due. This absolutely is ridiculous and needs to be addressed.

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 2017-07-10 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: CA

Complaint narrative:
Chase removed my online access to my credit card. They stated they did so because the card was closed some three years ago. I have an outstanding on time payment history with this card. My last online payment receipt is attached. I can not pay this card over the phone per Chase because it is closed. I do not get a paper statement I have the " paperless option ''. The only other possible way to pay I have now been told is to supposedly go to a Chase Bank. However, I am not always in locations that have a Chase bank, as I travel extensively.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 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: SLM CORPORATION
State: NV

Complaint narrative:
Around XX/XX/XXXX I spoke to a lady who worked for Sallie Mae ( XXXX ) about enrolling in a payment program and she had confirmed that all my loans were successfully enrolled. Months later I found out my biggest loan was not enrolled and they had reported my account delinquent to the credit union. This dropped my credit 70+ points over the span of two years because they told me that I had to pay XXXX to get the loan active. I reported them to this bureau and they worked with me to charge off the loan after they realized their mistake. They are holding my credit as a incentive to start paying my loan even though they were in the wrong and lowered my credit. Resulting in me not being able to rent a home. Fast forward to XX/XX/XXXX. I spoke to representavie XXXX who helped put me in a forbearance until XX/XX/XXXX. Confirmation # XXXX. Over a month later on XX/XX/XXXX, they are reporting to my credit that I 'm 45 days late for a payment even though my forbearance is until XX/XX/XXXX. They are calling me putting me non stop every day. Once I called them they have put me on hold for 45 mins now and have transferred me 8 times because the representatives do n't know what 's going on. I have spoken with the account manager XXXX ( XXXX ) who was very helpful and nice. I 'm just concerned about all the negative marks reported to my credit over the last 2 years that have caused me to not get approved for a home for my family in regard to Sallie Mae.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Class Financial
State: TX

Complaint narrative:
Contaced by text message to my cell phone with the following unsolicited message from XXXX : You Have Been Approved For Forgiveness Of Your Federal Student Loans But Your Application Is Incomplete. Please Call Our Office At : XXXX To Complete Enrollment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: MT

Complaint narrative:
For the past 8 month 's I have been fighting with a company called Receivables Performance Management LLC ( RPM ) in XXXX, WA regarding a debt that they claim I owe that I have disputed. At issue is a charge to XXXX for an account that was opened under my name, at a former address of mine that I do not live at and currently has an outstanding balance of {$370.00}. <P/>XX/XX/XXXX I received two phone calls from this company about an outstanding XXXX debt that I owed. I told them both times verbally over the phone that this debt did not belong to me and that I had never purchased XXXX and that I did not currently live at the address that was associated with the respective account. I did not immediately hear from them further and so I considered the matter settled. <P/>In XX/XX/XXXX while attending Military XXXX I received a letter from RPM again claiming that I owed a debt of {$370.00} to them as payment for the XXXX account they claimed I had. XX/XX/XXXX I sent a letter to RPM telling them that I disputed this debt, and had no responsibility for the debt they were attempting to claim. I informed them that if they had any substantiating records to support their claim to send them to me and if they had forwarded the debt to another party or reported it on my credit report that it must be shown to be disputed. I did not immediately hear from them further and so I considered the matter settled. <P/>Today ( XX/XX/XXXX ) I received a letter from RPM dated XX/XX/XXXX which included two statement dates and the billing periods associated with the debt they claim I owe. Besides the fact that I have never used any XXXX service, the address that is on the statement is an address that I have not lived at since XX/XX/XXXX. Furthermore, the two billing statements reflect Billing Periods of XX/XX/XXXX andXX/XX/XXXX. During XX/XX/XXXX I was still residing in XXXX XXXX XXXX XXXX  while XX/XX/XXXX XXXX XXXX in the XXXX XXXX and in XX/XX/XXXX I was ( and still am ) residing in XXXX while XXXX XXXX XXXX XXXX XXXX XXXX. I have not been to the address associated with the disputed account since XX/XX/XXXX. <P/>I have never used a service provided by XXXX. I 've never signed up for a trial use or created an account with them. I am concerned that someone has attempted to do so fraudulently under my name and as such RPM is seeking financial restitution from me. However, I am not responsible for this debt. And I 've communicated this to RPM not less than three times in verbal and written format. I am filing this complaint because of the failure of RPM to recognize that this debt does not belong to me and ceasing to harass me for money.

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 2017-07-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
my name is  XXXX   XXXX  and my loan number is  XXXX  with satandar auto loans. presently my interest rate is 24 % for a used car  2009   XXXX  accord and my monthly payment is {$480.00}. presently I am out of a full time job and I do part time jobs here and there. I have spoken to several personnals about my interest loans been brought down to a better interest rate and monthly payment say $  XXXX  {$300.00} for a 4year loan since the car is old and I bought it used also. I would be grateful if my request is granted so I can put my loan in stable condition. Thanks

Company response to consumer: Closed with explanation