vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-04 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX  XXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX  inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX of XXXX- XX/XX/XXXX The inquires were not authorized and I dont recognize them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
Three years ago my identity was stolen so I had a freeze put on my credit. Now I need to use my credit and I have been trying to call Experian to get the freeze off my credit ; however, I can never get in contact with a person - I only get automated options, which do not fit my needs. I tried to mail this company with all the items requested I send and have yet to receive a response ( over 2 weeks later ). I need to use my credit but can not because this company will not provide a number where I can speak to a person to resolve my issues.

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 2019-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: PA

Complaint narrative:
I was served a civil action complaint by XXXX, XXXX XXXX XXXX who represent Crown Asset Management , LLC on XX/XX/XXXX. I answered the complaint and filed with the court on XX/XX/XXXX. I denied the statement that the last payment made on this account was on or around XX/XX/XXXX. The last payment made on this account was XX/XX/XXXX in the amount of {$270.00}. I answered the complaint with being past the statute of limitations defense. They denied my answer and came back with a reply and state the last payment was made on XX/XX/XXXX in the amount of {$100.00}. This is a false statement as I never made a payment on this account after XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC

Complaint narrative:
One main has destroyed my reputation of stellar credit with false accusations and reported inaccurate information in regards to my XXXX XXXX credit report. 
I have no knowledge of this account and this account does not belong to me. Ive battled with one main for over 6 months regarding their shady and unprofessional tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was denied a credit card by wells fargo and everytime I ask WHY I get a different answer. 1st, they said it was because my account with them was closed and it wasn't, 2nd they told me I hadn't had the account long enough, 3rd they offered me the card then denied me and when I asked why they couldn't tell me. I also have an account with them and have not been able to get a replacement debit card for the one that was compromised. They stated they mailed off at least 5 different cards and I have gotten none of them. They said they would let me speak to an executive to resolve the matter, turns out she wasnt an executive but a call center supervisor that couldn't give an explanation as to why I was denied either. So I called back today ( XX/XX/2019 ) and spoke to some one again and told them that I spoke to an executive the day before and now they are telling me they have no record of that, I reminded them that these calls are recorded and If there is no record of that conversation that means they ( Wells Fargo ) lied when they said they were sending me to an executive that could help me. If you cant tell me WHY I was denied the credit card and go through such lengths to lie the only reason I can figure out as to why I was denied is because I am XXXX. I also confronted them with other poignant questions and I informed them that Im an XXXX XXXX and that also seemed to make them treat me even worse.

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 2019-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: SUNTRUST BANKS, INC.
State: SC

Complaint narrative:
On XX/XX/XXXX I purchased a used XXXX XXXX XXXX from XXXX XXXX XXXX and was approved by Sun Trust Bank that day for {$5500.00} - 60 months @ {$110.00}. 
On XX/XX/XXXX Sun Trust Bank sent me a letter saying after careful consideration they regret to approve my request. However, they would extend a offer of {$11000.00} for 72 months? 
I once had a checking account with SunTrust several years ago. I had gone in the bank and closed account. At the end of that month instead of telling XXXX XXXX the account was closed and the bank could not accept the automatic withdrawal. They charged my account up to {$200.00} in insufficient fund fees. When I paid XXXX with a money order the Bank got that money some how? I didnt have car insurance.

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 2019-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase keeps blocking my transactions on my credit card without my permission. I bought something online last night from amazon, chase blocked the transaction and didnt even bother to tell me about it until 5 hours later at 4 in the morning.

I have asked them so many times to disable this feature on my credit card because of the inconvenience it imposes on me. If I need to use my card in an emergency when I go on a road trip I dont want it getting blocked. It scares me to think about how they just arbitrarily pick and choose transactions to block for no good reason. 

Chase keeos ignoring my request to disable this feature. Asked them at least 5 times. 


Chase Fraud : Did you use card ending XXXX for {$12.00} at AMZN Mktp US on XX/XX/04? Reply YES or NO. Msg & data rates may apply. 

Chase : Thanks. The transaction wasn't completed. If you want to make the purchase with this card, have the merchant reprocess the transaction. 


Ive got 4 cards with chase I want this feature disabled on all 4 of my cards the chase freedom, chase XXXX, XXXX XXXX  XXXX and XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
I purchased a vehicle and was financed through Santander Consumer USA. I was happy with the loan and the vehicle until the vehicle was totaled in XX/XX/2019, The majority of the loan was paid off quickly by my insurance company leaving a balance of my loan of {$700.00}. I was pleased to know that my gap insurance was going to pay off the remaining balance to Santander consumer USA and would be resolved. Unfortunately the gap insurance took longer then expected. I became extremely nervous about Santander reporting late payments to my credit or charging me late fees as i am in the process of purchasing my first home. I called weekly and spoke to a representative at Santander to make sure none of this was going to occur. Every time they assured me because they where aware of the situation and i was keeping them informed this would not happen. I called them for the last time after my gap insurance had finally paid off the loan to ensure my account was still in good standing and i would receive a payoff notice. This is the first time after over ten phone calls throughout the course of the process that they stated it WAS TOO LATE! I was informed that my credit had been hit with a over 60 day past due payment and was mortified. I explained to the rep i was told several times this would not occur due to the circumstances. She stated there was nothing she could do. I Asked for a supervisor which proceeded to tell me after it hits my credit there is no way he could reverse it. I was in tears as i saw my credit i had been working on go from a promising XXXX down to a XXXX. Due to this incident i was unable to make the offer on my home. I am confident there staff is trained to tell customers that there account is in good standing until it is too late in order to receive the late fees and make sure customers stay further in dept with there company. Theses actions are appalling and i have never been treated so unethically. I was young at the time and this was my first loan, they prayed upon that and my family and i are suffering the consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: TX

Complaint narrative:
Servicing of my mortgage was transferred from CashCall to XXXX. Despite this transfer having taken place and my CashCall account reflecting a XXXX balance, CashCall auto drafted a mortgage payment ( in the amount of XXXX ) from my checking account on XX/XX/2019. Subsequently, XXXX, the rightful servicer, properly auto drafted a mortgage payment from my checking account on XX/XX/2019. When I called CashCall, they informed me they had no record of them having taken a payment on XX/XX/2019 and that it would be several days before they could verify and potentially issue me a refund, putting me at risk of overdrafting my checking account. I subsequently requested my bank, XXXX, to reverse the CashCall auto draft. This requires me to go through a lengthy claims process with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 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: NC

Complaint narrative:
I was a victim of identity theft from XX/XX/XXXX- on or about XX/XX/XXXX. The fraudster initiated numerous credit inquires by using my social security number, address, and name. I disputed the accounts through Equifax but they were deemed valid. The following accounts are fraudulent and need to be removed from my credit history : **XXXX XXXX IS VALID** XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX/ XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I attended XXXX University during the time period ; in which they were sued by the FTC and all loans during that time was forgiving. However, XXXX XXXX XXXX XXXX is still reporting on my Credit File. I contacted all three major credit companies and XXXX is providing inaccurate information. This is also stated in the Fair Credit Consumer Act.

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 2019-09-04 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: IL

Complaint narrative:
I attended XXXX University during the time period ; in which they were sued by the FTC and all loans during that time was forgiving. However, XXXX XXXX XXXX XXXX is still reporting on my Credit File. I contacted all three major credit companies and XXXX is providing inaccurate information. This is also stated in the Fair Credit Consumer Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I attended XXXX University during the time period ; in which they were sued by the FTC and all loans during that time was forgiving. However, XXXX XXXX XXXX XXXX is still reporting on my Credit File. I contacted all three major credit companies and XXXX is providing inaccurate information. This is also stated in the Fair Credit Consumer Act.

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 2019-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
JP Morgan Chase has decided to decrease my credit limit and did so without notification of doing so. The decrease was more than half of my previous limit for over 5 years. Because of lack of notice I used the cad. the usage would have been less of 10 % but because of the decrease I am now in danger at 50 %. I am currently in the process of trying to buy a home and other financial decisions. I called and escalated my issue ( XXXX ) and was met with an option to make a hard inquiry on my report. Again causing further credit damaging issues. 

The fact of lack of notification is my biggest issue. Note I have paid on time have good credit and been a long time customer. Banks need to honor their customers and offer more transparency in evaluating. We are humans making real life decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 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: SC

Complaint narrative:
Specifically, after having provided a copy of my social security card to Experian, after having provided a letter of verification of social security number, and name that appears on those documents, by what legal authority does Experian or a creditor have to report differently. The name on my social security card, having been the number upon which reports are given, and maintained is the only name and number authorized. 

In specifics, The XXXX XXXX card issued and used was created under social security number XXXX, this isn't my social security number, regardless of the created association created by the lender. Secondly the card was created and used from an address, after I had left that address totally. 

In referece to the reported bankruptcy, Experian created a situation for verification, and if not for that creation, there would be no verification. Specification is this, unless Experain can provide some legal method of verification the names they have created, I ask them to remove them immediately, and by removing their created names that don't verify with my social security number, then the items specified in this document will not be verfified, and thereby there isn't a complaint to be had. Their verification is important because it will show they create situations to verify and verification doesn't happen by virtue of the truth in reporting. Seemingly Experian only understands litigation to correct their behavior, which Is my next step.

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 2019-09-04 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: TN

Complaint narrative:
I AM A VICTIM OF ID THEFT. I SENT IN THE ID THEFT AFFIDAVIT AND PLOICE REPORT AS I WAS INSTRUCTED WHEN I WAS CONSULTED THE FTC. IT HAS BEEN OVER 2 MONTHS AND EXPERIAN CONTINUES TO REPORT THESE FRAUDULENT ACCOUNTS IN VOLATION TO THE FCRA LAWS. I WOULD LOVE FOR EXPERIAN TO COMPLY AND CEASE TO REPORT ACCOUNTS ON MY PROFILE THAT WERE OPEN BY THE THEFT AND NOT 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 2019-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AUDIT SYSTEMS,INC
State: TN

Complaint narrative:
I was told I owe a debt of {$38.00} from 2 and a half years ago. I was not given any information on the debt. I was not sent a bill for this. I was not notified for over 2 years concerning this debt now I am constantly harassed by phone. I do not owe this debt. I want this action to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
As of XX/XX/2019 Bank of America has not sent me any information in the mail at replied to CFPB. I have requested that they validate the account and provide the contract where I opened an account with BofA requesting a credit card. I am a victim of identity theft and I have notified them and the CRA of this and they are to free me of any debt owed. 

The account must be closed, remove any unauthorized charges and take any steps to remove from my credit file. 

BofA reply to you was that they can't and DOES NOT know who is reporting the information so how are they verifying. I have attached a follow up letter to them and is demanding they remove this identity theft account from all 3 CRA 's

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 2019-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: PA

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
I sold my property at XXXX XXXX XXXX, XXXX, VA XXXX on XX/XX/2019 and the mortgage company, Specialized Loan Servicing, was paid in full on that date. My Loan number with SLS was XXXX. 

The payoff amount of {$420000.00}. This payoff amount was good through XX/XX/2019 it included a daily interest calculation of {$120.00} and a late fee of {$150.00} in the event that the loan closed on XX/XX/XXXX. 

Since the loan closed on XX/XX/XXXX, SLS owes me a refund of 16 days interest and the late fee. I calculate the total as {$2000.00}. I have called SLS 5 times regarding this matter and they seem to act like they don't know what I'm talking about, or a different department handles it, but they won't transer me, or they are working on it and the check is in the mail. I have also asked to speak with a supervisor and was told that one would call me back within 48 hours and that never happened.

I have two requests. The first request is that I get my refund. My second request is that SLS be investigated for fraud because I believe that this is a practice for them and they are stealing lots of folks refunds because many people don't understand the process of getting a refund based on closing date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 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 — Problem with personal statement of dispute
Company: I.Q. DATA INTERNATIONAL, INC.
State: AZ

Complaint narrative:
In XX/XX/2013 I vacated my tenancy at an apartment complex that had serious cockroach infestations that were not resolved and resulted in causing major medical issues with me. I had given them notice of the issue continuously and monthly would provide evidence of the infestation with my rent check. I gave them 45 days notice of my intent to vacate under the AZ law StatXXXXAnn.33-1363-1365, which requires the landlord to maintain the premises to be habitable for health and safety reasons. The lease was terminated 3 months early due to these reasons. The apartment was re rented 2 weeks later and therefore Under the Arizona Law cited item ( 1 ), I am not liable for the rent for the remainder of the lease I had with  them. It is illegal to charge someone for rent that is already being collected by the new tenant. 
" Arizona law ( Ariz. Rev. Stat. 33-1370 ), your landlord must make reasonable efforts to re-rent your unitno matter what your reason for leavingrather than charge you for the total remaining rent due under the lease. '' Multiple letters had been written to the original company with no response. The debt was then sold to a collection agency, for which no billing was received. The collection was discovered via credit reports. this debt is not legally collectible but they refuse to remove from the credit report. Disputes have not done anything as debt is only verified with collection company no one looks at legality of the debt. Others have had the same issues with this company.

Company response to consumer: Closed with non-monetary relief