vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-11 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have been receiving a hard credit inquiry from Chase Bank under XXXX credit card since XX/XX/XXXX. It happens consistently. I have not applied for a credit card with XXXX. I am very careful to make sure I do not click the " apply for credit '' button when I place orders with XXXX. The following dates have hit my credit report and keep knocking my credit score down : XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Today, XX/XX/XXXX, my credit score dropped from XXXX, which I struggled hard to get to after a bad car accident, down to XXXX. This has to stop! I have contacted XXXX on several occasions via chat because it was the only way to reach them, and again today by phone XX/XX/XXXX. The man on the phone told me " it is not in my knowledge database provided to me how to help so I am sorry that I can't help you. '' I guess there are no supervisors? I have also contacted Chase bank on several occasions, most recently today XX/XX/XXXX and Chase bank told me that they do not handle disputes because all they know is that something came through to them and they have no way of telling if it was fraudulent or not. All they could tell me is it was from an XXXX credit card. 

My credit was compromised in the XXXX data breach in XXXX, but that still does not explain the XXXX date. It is possible that back in XXXX I did apply for the card accidentally, but I can not locate any record of that in my XXXX account. I also have definitely not applied in this or the last year at all. I want to know who is doing this and why they are able to do it. My credit report has a lock on it, so this really concerns me because it is still happening. I have not even placed an order on XXXX in months. 

In addition to this, I've filed disputes with all the credit report bureaus and nothing ever changes on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
TD Bank completely misled me into opening a checking account with them and depositing money into their bank. 

In XX/XX/2018, TD Bank advertised the following requirements to earn a {$300.00} dollar bonus : 1. New customers open a TD Premier checking account online 2. Receive direct deposits of {$2500.00} within 60 days of account opening 3. Earn  {$300.00} posted to the account within 95 days I met the above requirements for the {$300.00} bonus, yet TD Bank has not posted the bonus to my account. After I complained that the bonus should have been posted by XX/XX/2018, a TD bank representative said the bonus should post during the next fulfillment cycle no later than XX/XX/2018. To date and 148 days later, no bonus has been posted to my account. 

Attachments are provided showing : ( 1 ) Terms of the offer ( 2 ) That I opened a TD Premier checking account on XX/XX/2018 ( 3 ) That I posted more than {$2500.00} in direct deposits within 60 days of account opening ( 4 ) That I was told by XXXX XXXX, a CSR for TD Bank, that my bonus would post during the next fulfillment cycle in 2-3 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Business and Consumer Solutions.
State: CA

Complaint narrative:
I was initially contacted by XXXX XXXX of FBCS about one week ago. He identified himself as a debt collector on a private student loan ( bar exam debt ) that I believe I settled/discharged with a different collection agency several years ago. This was the first time I'd heard anything about that loan in years. Nonetheless, I was very cordial with him and requested something in writing documenting the amount FBCS asserts is still owed. I provided an updated address. I have yet to receive any written communications, yet I have received daily calls from Mr. XXXX. 

I was notified by my mother, who lives in Ohio, that she received a call from Mr. XXXX today. As there was no reason to contact a family member under the regulations, I believe he was in clear violation of applicable law. My location was given and known by Mr. XXXX, there is no court proceeding and in fact could not be at this time pursuant to statute of limitations, and I certainly did not agree in writing or otherwise. 

It is my belief that FBCS is engaged in unethical and unlawful debt collection practices. I'd like to notify this agency in hopes that it will protect other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nelnet, Inc.
State: OH

Complaint narrative:
According to response from XXXX in complaint XXXX ; XXXX has reported to the credit bureaus on behalf of XXXX. According to the goodbye letter from XXXX ( attached ) XXXX was supposed to send a 'Welcome Notification ' that would include my new account number, transition information, etc. This information was not received. XXXX did not have any account information for me and was unable to pull up an account for me when requested during multiple calls prior to XXXX XXXX taking the loan back. I would like XXXX to provide a copy of the welcome letter with new account information to prove I was notified and to show they were servicing my loan from XX/XX/XXXX - XX/XX/XXXX as noted by XXXX in the attached document.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 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: PA

Complaint narrative:
I have been receiving a hard credit inquiry from XXXX XXXX under XXXX credit card since XX/XX/XXXX. It happens consistently. I have not applied for a credit card with XXXX. I am very careful to make sure I do not click the " apply for credit '' button when I place orders with XXXX. The following dates have hit my credit report and keep knocking my XXXX XXXX down : XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Today, XX/XX/XXXX, my XXXX XXXX dropped from XXXX, which I struggled hard to get to after a bad car accident, down to XXXX. This has to stop! I have contacted XXXX on several occasions via chat because it was the only way to reach them, and again today by phone XX/XX/XXXX. The man on the phone told me " it is not in my knowledge database provided to me how to help so I am sorry that I can't help you. '' I guess there are no supervisors? I have also contacted XXXX XXXX on several occasions, most recently today XX/XX/XXXX and XXXX XXXX told me that they do not handle disputes because all they know is that something came through to them and they have no way of telling if it was fraudulent or not. All they could tell me is it was from an XXXX credit card. 

My credit was compromised in the XXXX  data breach in XXXX, but that still does not explain the XXXX date. It is possible that back in XXXX I did apply for the card accidentally, but I can not locate any record of that in my XXXX account. I also have definitely not applied in this or the last year at all. I want to know who is doing this and why they are able to do it. My credit report has a lock on it, so this really concerns me because it is still happening. I have not even placed an order on XXXX in months. 

In addition to this, I've filed disputes with all the credit report bureaus and nothing ever changes on my account.

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 2018-10-11 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: CA

Complaint narrative:
Earlier this year I discovered that I was a victim of identity theft and was disappointed to find out that someone unknown to me had used my personal information to get credit card accounts, lease and apartment, get pg & e, phone line and also filed a bankruptcy all with my social security number. Since I was not aware of the accounts they all got charged off and eventually ended up in collections. I have been diligently working with the credit Bureaus to repair my credit ; up until now XXXX  and XXXX have deleted the erroneous items from my credit profile. I am still having trouble with Equifax ; I have submitted an FTC report a police report and have asked Equifax to show me where they receive their information for bankruptcies. Equifax told me they receive their information from two places, they said the court reports to them and that XXXX XXXX also reports to them. I have received letters from both entities and they do not report to the Bureaus ; therefore this is considered an inaccuracy on my credit report by the consumer reporting agency. Per the FCRA 611 the consumer reporting agency is required to furnish verification to the consumer as to how or where the consumer reporting agency receives their information. They will not tell me where they get their information and have not removed this inaccuracy from my file. I have written them several letters to no avail. I have sent them many certified letters with date stamps ; per the FCRA they have 30 days to reinvestigate and determine a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion intentionally refuses to be in compliance with FCRA laws & more importantly Fair and Accurate Credit Transactions Act ( FACT Act ) of 2003 enacted by congress. 

On the onset, TransUnion, indicated there was a reinvestigation which signals an initial investigation was done. Results from that investigation were neither logged, rendered, nor provided to Ms. XXXX, in 30 days and or til date, despite Ms. XXXX repeated requests. Second, Ms. XXXX requested TransUnion to provide the method of accuracy & verification used by TransUnion pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and TransUnion remains non-compliance till date. Third, Ms. XXXX requested TransUnion to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to Ms. XXXX. Hence, TransUnion again went silent. 

In fact TransUnions only provision has been a computer generated rubber stamped answer to wit ; ( " the customer disagrees '' etc. ). Furthermore, Ms. XXXX didn't ask for TransUnion to speak on her behalf for her or through her nor did she send TransUnion a XXXX word statement expressing explicitly HER disagreement to be added onto her credit file opposed to Demanding TransUnion to remove an inaccurate, unverifiable, and unsubstantiated record pursuant to 609 et. seq. immediately for failure to produce a legal verification of the allege debt. 

TransUnion now gives the mere appearance of impropriety by violating Ms. XXXX privacy rights as a PRIVATE CITIZEN along with engaging in unfair and deceptive business practices. ( UDPA ) Notwithstanding TransUnion 's willfulness to violate FCRA laws, Fed. & State 's rules, opinions, codes, statutes and erode public policy consideration goes unprecedented. 


Whereby, Ms. XXXX is requesting through TransUnions general counsel to provide TransUnion 's insurance carrier 's information.

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 2018-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Approximately, XXXX-XXXX of 2018, I began receiving telephone calls from Navient regarding student loans in my name. 

The loans were previously in deferment or forbearance. However, I was forced out of the graduate program for which I obtained the loans. While a graduate student, I was XXXX harassed by a male professor and forced to leave the program when I complained to another male professor. Now, I am being forced to pay more than {$1000.00} a month repayment for the {$100000.00} balance. Outside of winning a XXXX dollar lottery, there is no way in my lifetime that I can pay this loan. I am not wealthy and can not borrow money from anyone to make this payment. 

The telephone calls from Navient are harassing and occur on a daily basis, several times a day, even at my place of business. I have never given Navient permission to call my cell phone incessantly or my place of employment. 

I have asked Navient customer service to cease and desist from calling my cell, home and work phone. However the calls continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sentry Credit, Inc.
State: MS

Complaint narrative:
I have sent XXXX XXXX XXXX XXXX several certified letters and their representatives have not replied to any of my request for validation. I sent certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018.

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 2018-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
XXXX XXXX is trying to collect debt from me for XXXX XXXX and I do not have XXXX XXXX  and have never had them. I have wrote multiple letters saying this account was identy theft and have sent multiple with my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-11 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: Total Card, Inc.
State: OH

Complaint narrative:
these accounts do not belong to me. I have never opened the account and have had my paychecks garnished and be harassed by phone call for over 3 yrs.. I never opened this account and I will file complaints with XXXX  and other agencies and will file for damages up to {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Early XX/XX/XXXX - XX/XX/XXXX I had purchased hardware through a company overseas. During this time everything was going well but it turned out to be a fraudulent company and that company did not obey by their terms and conditions. I filed a complain I believe on XX/XX/XXXX. During this time XXXX XXXX they said it would take maximum 60 days or two billing cycles to complete the investigation. This is some of their terms on their website. https : //paypal.syf.com/XXXX  " Once we receive the completed form we will conduct the investigation and will provide you with a response as soon as possible, but no later than two full billing cycles from the date of your inquiry. '' " Upon completion of our investigation, if we find a billing error ( s ) has been made, we will make all required adjustments to your account and the adjustments will be shown on your statement. If we find that the charge you are disputing was valid, we will notify you in writing explaining the reason ( s ) why and the disputed amount will be placed back on your account. '' On XX/XX/XXXX, they reversed my charges but did not send me anything in writing to explaining the reasons and why the disputed amount would be placed back in my account. 

On XX/XX/XXXX i was talking with a representative on the chat online by the name of XXXX who said the dispute was not fully completed and there was a mistake by that team by closing the dispute. I questioned that as I abide by their two full billing cycle window to have everything completed. I wanted to talk with a manager and she transferred me to XXXX the manager. She also said the same thing and said she needed time to investigate this issue further. She assured me she would call me back on XXXX or XXXX. She did not. 

I went to live chat again on XXXX and talked with XXXX XXXX who summarized that there was supposed to be a call back today by the concern team but they failed to do so. He once again said he would escalate this to a manager to fix this issue but didn't say anything about when. 

With this back and forth it had dropped my credit score 41 points on XXXX XXXX and -32 on XXXX due to raising the credit utilization. I am trying to buy something personal for my family but this spike has caused unnecessary frustration especially after I waited over now 70 days and I provided all necessary information to the company only to see how unprofessional they take care of their clients. Please 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 2018-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I was affected by the data breach and I found out my social security number is listed on the black web. I have been working on correcting all inaccurate information on my credit report. On XX/XX/XXXX, I mailed a certified letter to all three credit bureaus. I included a copy of proof of residency, driver 's license and social security card. On XX/XX/XXXX, I have received notification from XXXX  my personal information will be updated to reflect my correct name, social security number, date of birth and current address. I have not received any information from XXXX. However, Experian dispute results report # XXXX for XX/XX/XXXX, I received of my credit report did not correct ALL of my personal information. Experian update ONE of the EIGHT addresses on my credit report. My credit report showed TEN variations of my name. On today, XX/XX/XXXX, I have mailed another certified letter to Experian. This time I had the letter notarized and I included a copy of XXXX updated credit report for XX/XX/XXXX, proof of residency, driver 's license and social security card. I have lived at my current address since XX/XX/XXXX. I am currently requesting is for Experian to remove all the other addresses and variations of my name off my report, as they are not deliverable to me by the United States Postal Service, since they are inaccurate and they are not reportable as per the Fair Credit Reporting Act - including but not limited to Section 611 ( a ) ( 1 ) ( A ). These credit bureaus are so quick to report negative information but updating and correcting inaccurate information is extremely hard to remedy. This is the second certified letter I have sent to Experian for the exact same issue. The first certified letter cost was {$3.00} and the second certified letter cost was {$4.00}. Not to mention the fact that I am paying for their XXXX  XXXX XXXX for {$24.00}. This is becoming very expensive to correct inaccurate information on my credit report. How will Experian be held accountable with the FCRA and CFPB?

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 2018-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: FL

Complaint narrative:
My complaint that I submitted earlier on XX/XX/2018 on XXXX XXXX XXXX XXXX XXXX was NOT A DUPLICATE, CFPB! If a human actually reads these complaints, then you should've SEEN that! I submitted that complaint in reference to the INCOMPLETE INFORMATION THEY SENT TO ME. Please reference the complaint ID in the 'fair resolution ' section! They sent me documents that DID NOT REFERENCE THEIR COMPANY as " proof '' that I have a loan with them! I never signed a consumer agreement with them -- and they must provide a scanned copy of the original consumer contract WITH THEM ( not a copy ; in its original form ), bearing my actual signature. If they can not DO that, then they must delete the account ( s ) reporting on my credit reports. Nor did they verify or validate the addresses in the documents as 'mine ' and provide the method of verification for everything. I requested this from the beginning and did not get this EITHER. IN ADDITION, they sent me bills, statements, and itemized lists of disbursements, all of which DO NOT qualify as proof that an account belongs to a consumer! CFPB, you are being complicit in their negligence. If this continues to be denied, then I will see to it that YOU all get reported to the institutions who have control over YOU. This is NOT right!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 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: ERC
State: OH

Complaint narrative:
these accounts do not belong to me. I have never opened the account and have had my paychecks garnished and be harassed by phone call for over 3 yrs.. I never opened this account and I will file complaints with XXXX and other agencies and will file for damages up to {$1000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation