vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MIDFIRST BANK
State: AL

Complaint narrative:
I entered into a hardship program with XXXX XXXX after my husband had a XXXX XXXX in XX/XX/XXXX. During the program I paid the agreed upon amount around {$940.00} per month until the program ended in XX/XX/XXXX. XXXX continued to report as delinquent throughout the entire program even though we paid as agreed the entire time, I called and wrote to the company several times. Each time I received a form letter that stated that I was on the hardship program, which I understand but I am still paying as agreed. Due to this reporting as delinquent each month for three years our credit rating has tanked. Paying as agreed did not help us at all and my husband is XXXX % XXXX veteran and we can not buy another home or anything else now. 
.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
Mr. Cooper did not credit my payments when received. According to the attached highlighted records they provided, their interest calculation is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
The Letter below was sent to both XXXX XXXX XXXX and Citizens Bank in an attempt to secure funds in the amount of {$5000.00} back, which was provided to the city of XXXX as part of a bidding process for a city contract. A fellow towing company has already received their funds back even though we had the same situation. We can't understand why these institutions can't get us the same reconciliation. 

XX/XX/XXXX XXXX  XXXX, Chairman of the Board Chief Executive Officer XXXX XXXX, President, Preferred and Small Business Banking XXXX XXXX XXXX XXXX, XXXX XXXX, New York XXXX XXXX XXXX and XXXX XXXX : I write to resolve a financial matter, which may be small to you all in the value of the problem but, as a small business a very big one for us. 

On XX/XX/XXXX the owner and operator of XXXX XXXX XXXX XXXX , XXXX withdrew {$5000.00} from his XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX account and had it issued as a XXXX XXXX Treasurers Check # XXXX for Tax ID # XXXX. This Treasurers Check was then turned over to the City of XXXX as part of the bidding process for a city towing contract. 

For some unknown reason the city of XXXX held this check in their safe for the period of XX/XX/XXXX until XX/XX/XXXX when they returned it to XXXX XXXX XXXX XXXX , XXXX We have checked with the states of New York and Massachusetts and to no avail both states have informed us that there are no funds being held as Found Property. Therefore, this leaves us to believe that these fund that were drawn on our account are still with XXXX XXXX XXXX  XXXX. 

We are hoping that we will not need to take any other actions other than asking you to address this matter as we have received no support at the level of those banking employees who are at the first level of your organization. 

Please find enclosed a copy of the Treasurers Check for your review and consideration. We would like our {$5000.00} back. 

Please feel free to contact me at XXXX or by call me direct at XXXX. 

Thank you for your assistance with this matter and I look forward to hearing from you. 

Respectfully, XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Army and Air Force Exchange Service
State: WA

Complaint narrative:
In XX/XX/XXXX i obtained my credit report and found several incorrect information. Among these were the account listed with XXXX XXXX credit card. In late XX/XX/XXXX i sent a letter to all three credit bureaus requesting a letter of validation of debt. Neither one responded. Late XXXX i sent in a second letter of validation, which i have verification that they all received my second letter on the XX/XX/XXXX. Neither one has responded. XXXX XXXX has threatened to garnish my federal tax refund for a debt i did not approve, make, or do. They have not validated this debt. My information has been compromised and they have yet to prove that I am legally responsible for this debt. I get several calls from them DAILY!!!! I have spoken to a woman in the fraud department, XXXX, and her response was to email the fraud department. I emailed the fraud department and i have yet to receive a response. This has caused an emotional stress on my health dealing with this company. No one can give me answers why and how my information was stolen to open this credit card, yet they can call, harass me and threaten 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 2018-01-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have had accounts opened in my name with banks. One of these accounts is with XXXX XXXX. I called them several times last XX/XX/XXXX to notify them of this account being fraud but they have not yet closed the account and are letting further fraudulent use of these account to occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 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: Santander Consumer USA Holdings Inc.
State: NE

Complaint narrative:
Santander has refused to remove a fraudulent account from my credit report despite me advising the company that after investigating the account they are reporting, I have found the account to have been opened by someone other than myself. Santander 's attorney XXXX XXXX, advised that an identity theft report must be made in order for them to stop reporting the fraudulent information. I have completed an affidavit with the FTC and would like the fraudulent information to be blocked or removed from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-24 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: TX

Complaint narrative:
In XX/XX/XXXX I disputed XXXX with XXXX, equifax, and XXXX. Equifax and XXXX said the debt was found to be valid, but XXXX deleted the item from my credit file. When I informed the third party debt collector, they removed the item from all 4 of my credit files. The debt has been found to not be valid. The item needs to be removed from my credit history. Please see supporting documents and remove the item from my credit files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
I purchased a XXXX XXXX vehicle from XXXX XXXX on XX/XX/XXXX. I financed part of the cost of the vehicle and my lienholder was assigned from the dealership to XXXX XXXX, XXXX XXXX XXXX XXXX CT XXXX. At the time of purchase, I got the interest rate I wanted and all was well. A few days ago, I received a letter dated XX/XX/XXXX from XXXX XXXX stating that they " regretfully inform me that they are not agreeable to handling the transaction due to information in the report at the " '' crediting agency '' XXXX XXXX XXXX. '' '' XXXX gave me a credit score of XXXX and XXXX gave me a score of XXXX. Because of the low score from XXXX, regardless of my great scores with XXXX, XXXX, and XXXX ; XXXX XXXX wants to raise my interest rate. I called XXXX XXXX to talk about this on XX/XX/XXXX at XXXX and the person I talked to does n't seem to be able to answer any of my questions. So it seems I cant do anything about it! It appears to me that XXXX ( who I never heard of ) is providing XXXX XXXX a much lower score that the 3 major credit bureaus only so that XXXX XXXX can raise my interest rate and make money off of me. I find this to be very upsetting and seeing that XXXX XXXX  cant answer any questions, I need some help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 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: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
I obtained a auto through Santander on XX/XX/XXXX. Over the five years I had this loan the lender charged over and beyond in fees. I paid my last loan payment and in XXXX and the lender tried to charge me a late fee. I refused to pay it. The lender has been negativly reporting for since XXXX. The balance was at {$39.00} I had it deleted from my credit report and they place it back on without notifying me first and the balance was now {$420.00}. I have tried to call them to resolve this. They are willing to accept my money but they will not delete the negative reporting history. They can not do this because technically the " charged off '' the account. They wrote this off and they want to collect money " double dipping '' Santander has been incorrectly reporting the balance on my account, I disputed and it was removed and they placed it back on my report for a totally different amount than what was previously being reported/.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-24 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: EXPERT GLOBAL SOLUTIONS, INC.
State: GA

Complaint narrative:
I was a victim of fraud. I did not apply for any credit with the company and I realized It was I looked over my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I went to store to make purchase and found out account was closed XX/XX/17. I called up to ask if they can reopen and they stated no and for me to re-apply. It did n't make sense to open a new account when I already had an account but they closed it without any notice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Credit Card Acquisitions Group
State: FL

Complaint narrative:
This afternoon, XX/XX/XXXX, I received a phone call from Foster and Monroe from XXXX XXXX, NY. The individual introduced himself as an " investigator '' who was attempting to contact me to discuss options for paying my loan I received from XXXX-a tribal lending institution located in Missouri. This individual informed me that legal action had been commenced by the tribe and that a wage garnishment/wage attachment in the amount of 42.5 % was 24 hours  away from being duly executed. I was told that their " chief paralegal '' had filed the paperwork on behalf of the tribe and had also been appointed to execute the garnishment of wages. When I informed this individual that the garnishment has to be an action of state law, he replied that I waived my rights to state law when I signed my lending contract. This was NEVER disclosed to me. Furthermore, there is federal case law out of the XXXX XXXX of PA that holds XXXX XXXX   and Payday Lenders can not garnish wages of non-Indian persons-regardless of the language of the contract. The first conversation ended with a request to speak with the " Chief Paralegal '' in order to receive a copy of my filings. 

A little less than an hour later, I received a call from someone claiming to be the " Chief Paralegal '' and told him, I needed to be emailed copies of the court summons, pleadings, filings and judgments. I was told that tribal courts dont necessarily follow usual protocals and they can essentially do whatever they want-in an attempt to justify the 42.5 % wage garnishment/attachment. 

I provided this individual with the number and name of my Pay Day Loan Consolidation company. I spoke with my advisor who informed me no call from New York State had been received by his office. I also have not received any email with any legal documents attached that indicate any tribal filings have been made against me, any hearings have been schedule and any rulings have been issues. Additionally, the original loan in question is no longer offered by XXXX and the originally collection agency that bought my account from AWL purchased it in XX/XX/XXXX. 

I contacted, the original collections company and informed them of the encounter with Foster and Monroe. After spending upwards of 15 minutes with XXXX XXXX XXXX ; it came to my attention that XXXX had no idea who Foster Monroe was, became very interested in what they had told me and informed me that ACM would investigate Foster/Monroe and that I should not pay them anything. I am waiting to hear back from XXXX. 

I sincerely hope that this board lives up to its mission statement and agrees to help and save me from this attempted " financial extortion ''. 

Thank you. 

Regards, XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Inquirer Name : XXXX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX-XX/XX/XXXX Contact Information:XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX This inquiry is on my XXXX report please have them remove this from my account i did n't authorize anyone for inquiry. thank you. 

Inquirer Name : XXXX Inquiry Date : XX/XX/XXXX -XX/XX/XXXX contact information : XXXX XXXX XXXX XXXX XXXX DE XXXX ( XXXX ) XXXX Inquirer Name : XXXX XXXX inquiry Date : XX/XX/XXXX-XX/XX/XXXX contact information : XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Each of this companies have put 2 inquiry 's on 2 different dates i have never applied for this credit cards for accounts. thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-24 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Inquirer Name : XXXX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX-XX/XX/XXXX Contact Information:XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX This inquiry is on my XXXX report please have them remove this from my account i did n't authorize anyone for inquiry. thank you. 

Inquirer Name : XXXX Inquiry Date : XX/XX/XXXX -XX/XX/XXXX contact information : XXXX XXXX XXXX XXXX XXXX DE XXXX ( XXXX ) XXXX Inquirer Name : XXXX XXXX inquiry Date : XX/XX/XXXX-XX/XX/XXXX contact information : XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Each of this companies have put 2 inquiry 's on 2 different dates i have never applied for this credit cards for accounts. thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 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: CA

Complaint narrative:
XXXX/XXXX Inquiry Date : XX/XX/XXXX Clothing Store i have never applied at this store for credit and they put a inquiry on my XXXX report. 

XXXX XXXX XXXXXXXX inquiry date : XX/XX/XXXX bank credit cards i have n't applied for XXXX XXXX XXXX credit cards they put inquiry on my XXXX report. 

XXXX XXXX XXXX : inquiry dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,  Capital One put 5 different inquiries on 5 different dates on all of my 3 credit burues i have never authorize any of this inquires i have been a victim of fraud before thats why i have so many inquires that does n't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 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: EXPERT GLOBAL SOLUTIONS, INC.
State: GA

Complaint narrative:
I was a victim of Identity Theft, I did not apply for a mortgage, but when I overlooked my credit report I noticed I had a Inquiry from this company, and it was not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I applied for a credit card in XX/XX/XXXX in which it approved the following month I had no score because I was new to the credit system. upon checking my credit report I saw that they were there were hard inquiries that I did not make on my report from XX/XX/XXXX. I reaching out to the credit bureau to have it removed but I was unsuccessful, I also tried to reach out with the companies that I saw the hard inquiries were coming from and I was also unsuccessful. 
By the middle of summer when I check my report to see if there were any changes made to report, I found more hard inquiries from financial institutions that I did not place a hard inquiry with. Not only did they place this once or twice on my report but more. I wrote letters to these intuitions but got no response. I placed a security freeze on my account because of the problem and I could not get any resolution to the problems that I was having, but come to see with the security freeze on all my accounts with all the credit bureaus I was surprised when I saw that I am still getting hard inquiries on my Equifax report. 
On my Equifax report these are the inquires for service that I did not request : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi Price Rewind program. 
The program is not following its own terms. 
My claim number XXXX was denied with a reason that is absolutely not described. 
When I called on XX/XX/XXXX around XXXX XXXX EST, I was told it was denied because the advertisement is " not available worldwide '' ( quoting the reason passed to me on the phone ). 
I pointed out that the program does not have such restriction, it asks for the following : -- -- -- - The lower price must be published on an online retail site or in a printed or online newspaper, magazine, store circular or catalog. Including special promotions such as XXXX Friday or door buster sales. 
-- -- -- - Therefore, a price available in a store catalog ( XXXX in-store online catalog ) as the one I sent is perfectly acceptable. There is no such exclusion like the reason I received ( " being available worldwide '' ) in the What 's Not Covered section. Anyway, it 's even available worldwide, it 's a public and official retailer website that anyone can use. 

It is not the first time the program does not follow it 's own terms. I recommend CFPB to follow closely claims like mine being denied. Citi is not taking responsibility. I 'm registering this denial also when Citi receives a class action, so I have documentation that Citi had opportunities to fix the situation. 

My claim is valid, the ad is still available at the time of sending this complaint : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  price {$59.00} XXXX XXXX XXXX GPS Smartwatch, Regular Fit, 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 2018-01-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I borrowed XXXX XXXX dollars with a contract to pay on the loan every fourth friday of every month. Speedy cash changed the date every month the payment is due and besides that I have paid {$1600.00} on the account and all payments have gone towards the interest and late fees. I have given seven payments at {$220.00} each month since the loan and I owe at this time {$2800.00} at this rate the loan will cost more than I borrowed. I need help because this is a car title loan and I ca n't afford losing my car over this. I have called the corporate office and talk with personal they all say the same thing there is nothing that can be done except keep making the payments. The company staff is rude and unreasonable you would not believe the things that the low class unprofessional staff members have said to me. It 's like I borrowed the monies from XXXX in a street alley.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
Why is this debt still reporting on all 3 credit bureaus???? Attach is your aid # and it still has not been removed? I talked to the bureaus and they stated that all you have to do is fax over the removal documentation?

Company response to consumer: Closed with explanation