vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I contacted Experian on XX/XX/XXXX to remove a fraud alert on my account that was placed on XX/XX/XXXX. I received online notification that the fraud alert had been removed. I confirmed with a follow up phone call to Experian on XX/XX/XXXX at XXXX. I received verbal confirmation that the fraud alert was removed. 

XXXX have tried to retrieve my account information multiple times since then and have received notices that the fraud alert is on my account still. I called Experian on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Several supervisors told me they " can not do anything '' since " there is no fraud alert '' but my lenders can not retrieve my report still. 

I submitted a complaint to the CFPB on XX/XX/XXXX, ID number XXXX. Experian responded today on XX/XX/XXXX and said that there is no fraud alert on my account. My lenders tried to retrieve my account information today and received the same error message. Experian absolutely did NOT correct the problem.

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 2019-05-14 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: RI

Complaint narrative:
Yes I checked my report and notice some inquiries I didn't authorize.. 
1. XXXX XX/XX/XXXX 2. XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 4. XXXX/ XXXX XXXX XX/XX/XXXX 5. XXXX/ XXXX XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I was rendered XXXX after I graduated college in 2010. I was struggling to pay my loans due to not being able to work and over XXXX of medical bills. I reached out to Navient explained my XXXX ( diagnosed by a Dr. and a XXXX ) and my inability to work due to this XXXX for the foreseeable future. I asked for options and was told forbearance was my only option. This misinformation has led to huge interest accumulation, has dropped my credit significantly and is now in default. Im scared to even deal with them again because I am not savvy enough to know if I'm getting the right information that will help me or worsen my situation. Please, any information that could help me would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NATIONS LENDING CORPORATION
State: CT

Complaint narrative:
I am the seller of a property in the State of Connecticut. I had a real estate agent represent me - seller and received an offer from a Buyer agent ( real estate agent representing the buyer ). Included with the offer was a pre-approval letter for the buyer a single person by the lending institution NATIONS LENDING who is present in the state of CT having a branch at XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX O # XXXX the representative of the lending institution is XXXX XXXX. We received the offer with the pre-approval letter for the borrower : Ms. XXXX XXXX on XX/XX/XXXX. Then on XX/XX/XXXX my Real Estate agent received an email that originated with XXXX from Nations Lending explaining there is a 'hiccup ' that XXXX XXXX is not the only person that will be on the loan and deed documents but they need to add her mother as well XXXX XXXX . There was no explanation as to why she needed to be added nor the fact they gave a pre-approval only to XXXX XXXX. Further, the mother XXXX XXXX had an 'adverse action ' on her credit that needed to be cleared and the buyers as well as the lending institution NATIONS LENDERS requested a 30 day extension. XXXX who confirmed in an email stated - if Nations Lending can not close the seller will receive {$7500.00} that is the policy of the company. He further told us this fact is on there website. Based on this enticement I the seller approved the 30 day extension to be XX/XX/XXXX with a closing date of XX/XX/XXXX. We were assured from XXXX XXXX that the deal would go through and they are working to get things done. However, on XX/XX/XXXX we received notice from the buyers that they would not be able to obtain the loan and they would like there deposit monies returned. Further we received the denial letter from Nations Lending. However, when you review the denial letter please note they denied XXXX XXXX on XX/XX/XXXX, however we received an offer with a pre-approval for XXXX XXXX from Nations Lending on XX/XX/XXXX. How can you deny someone in XXXX and then approve in XXXX then ask the seller for a 30 day extension for adding the mother to the loan of which the mother had a credit issue that needed to be cleared and then entice the seller ( me ) of a guarantee of {$7500.00} if the deal does not close. My Real Estate agent and myself have tried to collect the {$7500.00} and no one not XXXX XXXX or his supervisor XXXX XXXX will speak with us.

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 2019-05-15 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Re : Hard Inquiry/Unverified on my behave. I recently checked my credit reports : XXXX, XXXX, XXXX. I have one Hard Inquiry was made by Company on XXXX XXXX,XXXX.Ally Financial : XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX I have called Ally Financial XXXX XXXX XXXX in several occasions left messages for the Supervisor to return the call, regarding this matter.NO returned calls.I also contacted 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 2019-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
On XX/XX/XXXX I called to cancel my stolen card. Because I changed my PIN number, they told me my funds were being withheld from me until my new card came in the mail. I asked if I could transfer or if I had any options. I was told no.

On XX/XX/XXXX I called in again. This time the rep said all that was needed was for them to call me on my phone to verify it was me. He then said I could transfer my funds. He specifically instructed me to not use transfer funds, but use bill pay. I then did as instructed and entered in my XXXX card number. 
On XX/XX/XXXX I received my new card as well as a check in the mail. Confused about the check, I called them again. They said because I used bill pay I got a check. I asked them about getting my funds back into my account. He said yes funds will be available thursday. I said ok nvm then I do not want to proceed with that then. He said he sent in the dispute. I said no I need my money cancel it. He said you can it tomorrow without issues, just call us when you cash it. 
On XX/XX/XXXX I go to cash my check, it declined. I called again, now I'm bein told that I can not cash a check in my name that I sent myeelf. I must also want 10 more days for my funds. 
I have bills and I have children they gave me false information causing my funds to be held from me. I can not buy gas to go to go to work, food to eat, nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MI

Complaint narrative:
How can an already established customer who always make on-time payments for over a year, start off being approved by the lender up until you actually meet with their representative? This is how ... I contacted them to apply for a loan for an emergency and they told me approximately 24 hours later that I was approved as long as I bring in pretty much the same documents I was required to bring in the last loan I received through them. I brought in the documents and the minute she approached me ( the lending specialist ) I immediately assumed she must've been having a bad day since her attitude, demeanor, and commentary was nothing like what I had experienced while speaking with her on the phone. I attempted to cheer her up by being complimenting but her attitude just continued to get worse. Then she started asking me for whatever documents she can come up with ( e.g, birth certificates, credit card & bank statements ) that had nothing to do with the list of requirements she expressed to me over the phone or nothing similar to the list of documents that I had to bring to them my last closing. It was then that I realized that she was attempting to figure out a way to turn me away for no other reason but my appearance since her attitude was nothing of the sort over the phone. My first loan officer was thorough, friendly, and willing to answer all questions since it was my first loan ever. This different/new One Main rep told me she no longer needed the documents and will get back to me the next morning. The next day she called to informed me that even though I had once been approved they decided to deny me and they will send me a letter with an explanation and she was rude enough to hang right up on me. Weeks later they sent me a letter stating only that I was denied and I would have to make a request in writing if I wanted to know the specific reason for their decision. Over a month later they sent me another letter saying that an application that I had never been given was incomplete. I had done everything I was expected to do, I maintained a great credit history with ONe Main with their extremely high interest rates, I brought in all documents required which included the same employer from the first loan, I even showed up to my appointment when asked and I still got mistreated and told anything. I am attaching both correspondences I received back from One Main regarding this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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: TN

Complaint narrative:
Capital One pull my credit report 4 times and has drop my credit score 79 points down. They ran my credit on XXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX, and again on XX/XX/XXXX. I  have called them several of times and told them that someone is using my information worng. I ask them why they haven't sent a letter out to me so I could have been notified. I DO NOT HAVE ANY ACCOUNT WITH THIS COMPANY. I HAVE ASK THEM REPEATEDLY TO TAKE IT OFF OF MY CREDIT REPORT. I DO NOT WANT THEIR SERVICE. THIS IS WRONG. I HAVE BEEN CAR JACK IN THE PASS AND MY INFORMATION SOME ELSE HAS IT. SOMEONE IS EVEN TRYING TO GET A CAR IN MY NAME this company number XXXX just call and alerted me about this. I have told CAPITAL ONE, that I always since out stuff certified to confirm that it is me. I ask them have they received anything from me that has been certifiable, they replied and said no. I them so why are you going to keep this false statement on my credit when I have alerted you that it fraudulent and it is not me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I am not able to use my Amex Membership Reward points ( earned over the last two years ) because my account has  been in " review '' for three months now. I contacted them few times and they never told why it was in review or when the review will be done. It's already been almost 3 months and the only answer they give is that my account is still in review with no reason or timeline.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
I have reached out to Ally financial, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX to explain that these negative accounts that are showing on my credit file are fraudulent and do not belong to me. I have provided information like police reports showing I'm an identity theft victim. I also have provided this information to XXXX, XXXX, and XXXX  as well. XXXX is the only agency reporting this false information at the time and has been providing me with same result time after time with no paperwork for validation but yet saying that it has been verified. These accounts are showing opened from XX/XX/2014 to the present with amounts from around {$200.00} to {$19000.00}. I would like for these accounts to be removed immediately because they don't belong to 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 explanation
Consumer complaint received 2019-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Transunion is the only company that shows XXXX accounts not listed on XXXX XXXX XXXX. I demand transunion remove the XXXX XXXX and XXXX XXXX account off my report immediately.

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 2019-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Commonwealth Financial Systems, Inc.
State: PA

Complaint narrative:
COMMONWEALTH FINANCIAL XX/XX/2018 Date Opened Collection account. {$530.00} Collections were closed on my XXXX dispute. 
Dispute Reasons Accuracy : The dates on this account are incorrect. 
This account is too old to be on my credit report. 

XXXX dispute has not closed and still is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found this charge off account with Past due balance of {$17000.00} which is incorrect. 

I am not sure how this happened, I even have a clean title showing the total ownership of the vehicle and I have it on my possession. I know it's been fully paid and I owe nothing on this company.

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 2019-05-15 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: CA

Complaint narrative:
Re : Hard Inquiry/Unverified on my behave. I recently checked my credit reports : XXXX, XXXX, Transunion. I have one Hard Inquiry was made by Company on XX/XX/2017.XXXX XXXX  : XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX I have called XXXX XXXX XXXX XXXX XXXX in several occasions left messages for the Supervisor to return the call, regarding this matter.NO returned calls.I also contacted XXXX, XXXX, Transunion.

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 2019-05-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: MN

Complaint narrative:
Our account was assessed an additional {$120.00} fee for post-bankruptcy fees from Selene Finance. We do not dispute this. However, we wanted to pay it online and also pay additional principal. When we logged in to do so, there website would not allow you to pay additional principal nor pay the {$120.00} fee. It only allows you to pay your set mortgage ; which our mortgage agreement allows us to pay more towards principal without being punished. So upon calling Selene ; they stated we had to make these payments by phone and pay an additional {$12.00} to do so. This is not part of the mortgage agreement if their website won't allow an additional payment. You shouldn't be charged to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My Mother took out a consolidated loan. 
Was turned into a mortgage by Wells Fargo. 
House was use as collateral .That to place in 1989 .The amount of the loan was XXXX K She's been paying this for 30 years. 
Reminding balance on the loan Is XXXX. 
The way Wells Fargo structured the loan Was {$21.00} going towards the principle. 
The house was worth at that time about XXXX Wells Fargo gave Her insurance that was suitable for person XXXX XXXX XXXX. 
{$280.00} was going towards escrow In the other money was going towards interests. 
To me it looks like a predatory loan. 

My name is XXXX XXXX Executive of the estate

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 2019-05-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I have a lease payment of {$47.00}. My bank accidentally wired {$4700.00} to XXXX for the payment. I have asked numerous times for them to refund the money to me. They applied the money to the {$47.00} payment due and kept the rest and refuse to return it to me after three requests. They make up different stories every time me and my bank call them. They have not applied the overpayment to any additional amount due. They just kept it. It has been three weeks and they will not return my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Transunion is the only company that shows 2 accounts not listed on XXXX  or XXXX. I demand transunion remove the XXXX XXXX and XXXX XXXX account off my report immediately.

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 2019-05-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
XXXX is the only company that shows 2 accounts not listed on XXXX or XXXX. I demand XXXX remove the capital bank and XXXX XXXX account off my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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: QUALITY ACCEPTANCE LLC
State: TX

Complaint narrative:
I have disputed this account over 5 times with each of the credit bureaus with no response. I have requested in writing that I am provided with a signed agreement and that the current balance be updated to the correct charged off amount. I have not received a response nor documentation to provide accurate proof that this amount is owed. Quality XXXX has yet to respond to my requests.

Company response to consumer: Closed with non-monetary relief