vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-29 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: FL

Complaint narrative:
Hello. 
On XXXX of 2017, I purchased a " Used '' XXXX. 
Before any purchase or my information was given, I informed the sales associate over 3 times I am approved by XXXX and I will be using XXXX since I have no care to look at any other options. 
The sales associate informed me I " have '' to submit a credit application through XXXX even though I had already created and submitted and was accepted by XXXX and that he " knows what he 's doing '' since it is the " credit process '' that will show XXXX approved me. 
Even when I submitted, the associate did not for once even show me other options ( even though I had no desire to ) and simply went through with my purchase. 
A few days later, I see a few hard inquiries, contacted XXXX for advice, and was informed what they had done should never have occurred and it was without my permission and shared that I should write to the Consumer Financial Protection Bureau to dispute this action that was wrongfully done as I had already received approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Hello. On XXXX of 2017, I purchased a " Used '' XXXX. Before any purchase or my information was given, I informed the sales associate over 3 times I am approved by XXXX and I will be using XXXX since I have no care to look at any other options. The sales associate informed me I " have '' to submit a credit application through XXXX even though I had already created and submitted and was accepted by XXXX and that he " knows what he 's doing '' since it is the " credit process '' that will show XXXX approved me. Even when I submitted, the associate did not for once even show me other options ( even though I had no desire to ) and simply went through with my purchase. A few days later, I see a few hard inquiries, contacted XXXX for advice, and was informed what they had done should never have occurred and it was without my permission and shared that I should write to the Consumer Financial Protection Bureau to dispute this action that was wrongfully done as I had already received approval.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
on XX/XX/XXXX equifax shared that my personal info may have been impacted by their data breach. it offered credit monitor & lock services via trustedid premier wensite that has no working contact phone. i called and it hung up on me midway stating it wasnt able to process my request. its website continued with outages. it 's XX/XX/XXXX & i still dont have my credit file locked due to their site outages & repeated " 48hrs wait '' delays. i want equifax and trustedid premier to be proactive and take responsibility for what they have created

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Hello. On XXXX of 2017, I purchased a " Used '' XXXX. Before any purchase or my information was given, I informed the sales associate over 3 times I am approved by XXXX and I will be using XXXX since I have no care to look at any other options. The sales associate informed me I " have '' to submit a credit application through XXXX even though I had already created and submitted and was accepted by XXXX and that he " knows what he 's doing '' since it is the " credit process '' that will show XXXX approved me. Even when I submitted, the associate did not for once even show me other options ( even though I had no desire to ) and simply went through with my purchase. A few days later, I see a few hard inquiries, contacted XXXX for advice, and was informed what they had done should never have occurred and it was without my permission and shared that I should write to the Consumer Financial Protection Bureau to dispute this action that was wrongfully done as I had already received approval.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC
State: GA

Complaint narrative:
I have yet to receive notification from this company of any validation that I owe a debt. I spoke wth several agents over the phone advising me that they didnt not have an address on file for me, but yet still placed something on my credit report and not giving me any chance to validate or verify who or what. I plan to take this to the BBB and hire a lawyer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I have attempted to reach out to Santander in reference to balance showing owed. I have yet to receive information reflecting current balance. This account has been paid

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 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 — Investigation took more than 30 days
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX

Complaint narrative:
Conserve is an account that I acquired due to a student loan. It is currently reporting as an unknown item on my credit report. They are three different accounts. I have asked that they be combined, but they have stated that they are unable to combine them into one account. Therefore, for the last four months I have been making payments to all three accounts. {$100.00}, {$25.00} and {$25.00}. I was only able to afford {$200.00} extra in my budget. But the payments have come consistently and they have accepted them. Not only have I paid them for the last four months consistently, it has come at the same time every month. 

After the second payment, I received an alert that the account was reported as negative again. This alarmed me because I had made two payments consistently. I contacted Conserve and asked why they hadnt reported making payments or paid as agreed. They informed me that the credit bureaus needed to report it that way. But after the third month, it again reported it the same way -- -- a negative status. 

Not only have I reached out to Conserve regarding this, but I have also reached out to the three major credit bureaus. They only report the payment going lower and not the payment itself. 

This reporting has caused my credit report to continue to decline in numbers. I am requesting that this be resolved immediately. The payment should be as follows : 1. XXXX -- - XXXX XX/XX/XXXX {$25.00} 2. XXXX -- - XXXX XX/XX/XXXX {$25.00} 3. XXXX -- XXXX XX/XX/XXXX {$100.00} In addition, this is reported wrong. It should be categorized as a student loan, not other.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA

Complaint narrative:
I have contacted ARS at the phone number XXXX regarding multiple accounts listed on my credit report, they are all listing duplicate and re-aging on my credit file. I have a seeked a lawyer as this info is damaging. There are three accounts listed {$29.00}, {$74.00}, {$1000.00}. I have asked over and over to please send info and prove how I owe the debts amount. I have yet to receive anything. I spoke with an agent name XXXX back in XXXX XXXX who advised she will have a lawyer contact me and open up a lawsuit if I dont send a check and address it to XXXX XXXX XXXX XXXX XXXX FL XXXX. I also called other times where agents advised they will not resend anything to me. At this point I want to pursue with a law suit for these so called alleged charges from XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NV

Complaint narrative:
XXXX XXXX,2017 I 've decided to make things right showing proof to Nelnet student loan just took over my student loan by writing checks from XXXX - XXXX post dated showing what I could pay well unexpectedly events happen that left my checking account little that Nelnet started processing my checks I know that if they waited a couple of days my direct deposit would have solve the problem but no they kept processing more then XXXX leaving my checking account from a XXXX negative to almost a thousand negative I was devastated and left with nothing and have XXXX daughter 's to support I was miserable felt violated I called them as they say it 's up to the treasure not only did I called but sent emails a few times to stop processing my checks no response.The only thing in my name that was on good standing my child support direct deposit all of it to the mistakes I thought was doing right. I never recover from it. My whole life I had people take advantage of me and it never stops I 'm a single mom I 'm trying to get my life back at the same time care for my XXXX XXXX XXXX dad and look out for my older brother fortunately family has helped but it does n't fix what I had.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX is an account that I acquired due to a student loan. It is currently reporting as an unknown item on my credit report. They are three different accounts. I have asked that they be combined, but they have stated that they are unable to combine them into one account. Therefore, for the last four months I have been making payments to all three accounts. {$100.00}, {$25.00} and {$25.00}. I was only able to afford {$200.00} extra in my budget. But the payments have come consistently and they have accepted them. Not only have I paid them for the last four months consistently, it has come at the same time every month. 

After the second payment, I received an alert that the account was reported as negative again. This alarmed me because I had made two payments consistently. I contacted XXXX and asked why they hadnt reported making payments or paid as agreed. They informed me that the credit bureaus needed to report it that way. But after the third month, it again reported it the same way -- -- a negative status. 

Not only have I reached out to XXXX regarding this, but I have also reached out to the three major credit bureaus. They only report the payment going lower and not the payment itself. 

This reporting has caused my credit report to continue to decline in numbers. I am requesting that this be resolved immediately. The payment should be as follows : XXXX. XXXX -- - XXXX XXXX/XXXX/XXXX {$25.00} XXXX. XXXX -- - XXXX XXXX/XXXX/XXXX {$25.00} XXXX. XXXX -- XXXX XXXX {$100.00} In addition, this is reported wrong. It should be categorized as a student loan, not other.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FINEX Group LLC
State: CA

Complaint narrative:
on XXXX/XXXX/XXXX I received an attempt to collect a Debt in the amount of {$1500.00} in Towing services from XXXX XXXX XXXX for a Vehicle that I sold XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STERLING JEWELERS, INC.
State: LA

Complaint narrative:
I HAVE NO KNOWLEDGE OF THIS COMPANY AND WANT THEM OFF MY CREDIT REPORT .I HAVE NO LEGAL CONTRACT WITH THIS COMPANY AND I WOULD LIKE THEM REMOVED FROM ALL MY REPORTS.I AM A THIRD SO I 'M THINKING THIS ACCOUNT HAS BEEN PLACED ON MY ACCOUNT IN ERROR BECAUSE MY BROTHER RECALL HAVING A XXXX ACCOUNT WHOM HAVE SAME NAME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Merchants Acceptance Corp
State: AZ

Complaint narrative:
In XXXX we had a XXXX XXXX salesman come to our military housing and sell us a vacuum. They 'financed ' our vacuum through Merchants Acceptance for {$37.00} to be debited our account on the XXXX & XXXX every month for 19 months. My husband and I signed the finance paperwork and the receipt for our vacuum. We never received a bill, statement or any mail or email communication from either XXXX or Merchants Acceptance but they debited our account for the agreed payments. We moved, changes accounts, and my husband lost his job so we missed a few payments. Without any communication, I did n't know who to contact. They finally started calling me. I tried to have them add the overdue to the end of the loan, but the person at Merchant Acceptance said he did n't have access to my payment history, my balance, or how long we had left to make payments from our original agreement, just that I owed $ and needed to pay the total for the missed payments. I asked how I could access that information and he said they 'd have to mail me a statement. I got 1 statement that was very unclear on where we stood with the loan. I still owe them $ and would prefer it be added to the end of agreement due ti financial hardship. But that time should have passed already and they 're still debiting my account. Today they sent an employment verification to my employer. They had cut the signature line from my finance agreement ( that was not dated ) and pasted it on the employment verification. I did not authorize it or sign that form. What purpose could they have for photoshopping an employment verification? I dont know what I owe them, my payment history, or my overdue balance. I would like to resolve this but I do n't like that the do n't send statements or that they pasted my signature on an employment verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: RFNA, LP
State: SC

Complaint narrative:
I received a check/loan in XXXX. I deposited the check. When the first payment was due I was called and I told them I would make the payment my next pay date. That was XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I spoke with them and said I would make the payment over the phone. I was told that I could possibly " get more money '' with an application for a new loan. I told the lady twice I would make the current payment so as not to get behind. She again encouraged me to " see if I qualify for more money. '' She started the application and told me that since my credit was frozen I would need to unfreeze this then she could continue the application. I had my credit unfrozen with XXXX  the same week. I spoke with her again XXXX/XXXX/XXXX and she said they do not use XXXX and I would need to unfreeze my credit with XXXX & XXXX. I again offered to make the payment so that I would not become delinquent. She said " just see what you can do. Maybe we can get you some more money. '' I have tried to unfreeze my credit with the two other agencies unsuccessfully and have had a hard time getting in touch with the agencies due to the XXXX breach creating long hold times, and have been disconnected while waiting. I even spoke with XXXX but due to the operators thick accent I could not understand the questions he asked and I was unsuccessful. Today I again tried to get in touch with XXXX and was told after waiting 1.5 hours that I had the wrong department and was given another number. I work and take care of my XXXX XXXX XXXX XXXX so I could not stay on hold for several hours. This evening I received a message stating that " the application could not longer be active '' and that she needed to hear from me by XXXX XXXX or " things will get serious. '' I called and left a message to remind her that I have tried multiple times to make the payment and I asked to please let me know what she means by " things will get serious ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX is an account that I acquired due to a student loan. It is currently reporting as an unknown item on my credit report. They are XXXX different accounts. I have asked that they be combined, but they have stated that they are unable to combine them into XXXX account. Therefore, for the last XXXX months I have been making payments to all three accounts. {$100.00}, {$25.00} and {$25.00}. I was only able to afford {$200.00} extra in my budget. But the payments have come consistently and they have accepted them. Not only have I paid them for the last XXXX months consistently, it has come at the same time every month. 

After the second payment, I received an alert that the account was reported as negative again. This alarmed me because I had made XXXX payments consistently. I contacted XXXX and asked why they hadnt reported making payments or paid as agreed. They informed me that the credit bureaus needed to report it that way. But after the third month, it again reported it the same way -- -- a negative status. 

Not only have I reached out to XXXX regarding this, but I have also reached out to the XXXX major credit bureaus. They only report the payment going lower and not the payment itself. 

This reporting has caused my credit report to continue to decline in numbers. I am requesting that this be resolved immediately. The payment should be as follows : XXXX. XXXX -- - XXXX XXXX/XXXX/XXXX {$25.00} XXXX. XXXX -- - XXXX XXXX/XXXX/XXXX {$25.00} XXXX. XXXX -- XXXX XXXX {$100.00} In addition, this is reported wrong. It should be categorized as a student loan, not other.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 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: NE

Complaint narrative:
XXXX XXXX XXXX reports an incorrect debt collection to the Credit Reporting Agencies ( CRAs ) with an open date of XXXX XXXX, XXXX. This is an invalid debt collection, and an invalid date, and it needs to be removed from my credit reports immediately. 

I have tried to resolve this issue with XXXX XXXX multiple times via phone calls ( XXXX XXXX, XXXX XXXX, XXXX XXXX ), emails ( XXXX XXXX, XXXX and XXXX XXXX, XXXX ), and written letters ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ). XXXX XXXX continuing to report this inaccurate debt collection has directly led to me being denied for credit cards ( XXXX XXXX ), auto loans ( XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX ), and has increased car insurance quotes ( XXXX XXXX, XXXX ). 

XXXX XXXX claims that I was refunded {$350.00} on XXXX/XXXX/XXXX and another {$350.00} on XXXX/XXXX/XXXX. I refuted this claim by sending XXXX XXXX my XXXX and XXXX bank account statements proving that 1 ) there was a {$350.00} withdraw from XXXX XXXX and 2 ) I never received the {$350.00} in return to my bank account on or around XXXX/XXXX/XXXX or XXXX/XXXX/XXXX. In addition, XXXX XXXX XXXX claims that I received receipts for two separate {$350.00} returns on XXXX/XXXX/XXXX. I again supplied XXXX XXXX XXXX with my XXXX bank account statement proving once again that I never received these returns on or around XXXX/XXXX/XXXX. 

Lastly, XXXX XXXX XXXX also inaccurately reports the date this inaccurate collection. They claim a date of XXXX XXXX, XXXX. The last instance I was even at XXXX XXXX was XXXX/XXXX/XXXX. That is 13 months earlier than the date they are reporting to the CRAs. 

In addition, I have tried resolving this with XXXX, XXXX, and TransUnion. I have sent all three CRAs my bank statements clearly proving that this XXXX XXXX debt collection is completely inaccurate and needs to be removed IMMEDIATELY from all of my credit reports. 

Attached you will find screenshots of my bank statements proving that I absolutely paid the {$350.00} and a definitely NEVER received a {$350.00}. XXXX XXXX XXXX debt collection needs to be removed from my Credit Reports 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