vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC
State: MD

Complaint narrative:
Companie name ERC Account Number XXXX balance {$300.00} Date opened XX/XX/2014 I do not remember opening any account the last 7 years and I am not getting any information about the collection and affecting my scour can you please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Sterling Credit Corp.
State: PA

Complaint narrative:
On XX/XX/2018, I received a call from my parents so who stated that they received a voicemail message left from XXXX XXXX of sterling credit corporation a debt collection service XXXX. This company had contacted me previously on my cell phone number and I told them not to contact me by phone anymore and only by mail. When I contacted XXXX, i informed her that I did not appreciate her contacting my parents and telling them that she was calling from a debt collection service and i don't know how they were able to obtain their number as I had never given it out to them and she didn't know, perhaps they found my parent 's number online as it is listed there. I told her that her actions were a direct violation of the fair debt collection practices act and she didn't seem to care much about violating a federal law and I added that I could sue her company for this. XXXX stated that her company could not get in contact with me, but that is a lie as we spoke previously on the phone before and that is when I told her to stop calling me and only send any correspondences to me through the mail as she already has my contact address! This company was hired by XXXX XXXX to collect an outstanding debt my a previous checking account I once had where I was scammed. XXXX only contacted me once when the account was closed and I informed the represenative that I was scammed and he never told me what I should do like file a police report, etc. Instead he was very rude with me and lectured me on being scammed like i wanted it to happen! It has been a year already and I'm only hearing back from the debt collection service now?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
To whom it May Concern, I have sent many letters contacted all three major credit bureau, filed a report with the FTC ( Fraud ) to have these fraudulent accounts x 3 removed from credit report. I have explained that I never authorize these accounts.

Please send me a correct signed documentation that I signed to have an account and credit cards in my name with your establishment. I don't recall applying for any credit card or any account with your company.

I am looking at my credit report and I see that I have three accounts that are listed on all three of my credit reports. I am unable to provide the account number due to me not knowing about these accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23 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: TX

Complaint narrative:
On XX/XX/2018 I send a letter to the credit agency to remove the bankruptcy chapter XXXX from my credit report. I got a letter from the is bankruptcy court stating that they did not report any information the XXXX credit agencies I forwarded it to the credit agencies. I have gotten letters back stating that it will not be taken off my report.

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 2018-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Consumer My mother XXXX XXXX XXXX and I XXXX XXXX got a loan from XXXX in XXXX CT through Capital One Auto XX/XX/XXXX the loan was in her name and mine XXXX XXXX my mom passed a XX/XX/XXXX and as her Executor of Estate I have been engaging in clearing all financial issues so I called Capital One Auto XX/XX/XXXX and advised them of Mothers death and that they would have to remove her have and I would be solely responsible the intern told me to fax over the death certificate and this would be taken care of by the next billing cycle of the XXXX. I received XXXX bill with no changes done a called them again and again month after month them advising me that it would be taken care of and they didnt understand why its not done and would check in another department and told they would remove my mom from the loan reference on XX/XX/XXXX spoke to XXXX. The next call was on XX/XX/XXXX that there was a note in the system nothing the next time I called in that I would have to call the DMV per the back office the gave me s fax # XXXX per XXXX that the title would have to be changed there and my request is to have my mothers name taken off the loan because I am on the loan as well, I was overwhelmed on that day going back an forth for months and threatened to call the news so then the transferred me to a XXXX XXXX @ XXXX Ext XXXX executive response coordinator she listened and said she would look into this and get back to me in a few days well that did not happen, I called and left her about 25 messages. Capital One sent me a letter on XX/XX/XXXX stating they tried to get in touch with me this is not true I am home everyday. See attached- nothing has been done to resolve my issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Buffalo Auto Acceptance Corp.
State: NY

Complaint narrative:
i was financing a vehicle, make on time payments. Then in XX/XX/2014 i had a XXXX unable to work. contacted dealer to turn in vehicle and forfeit all moneys paid on vehicle. They in turn go through repossession, and resale of vehicle, before 90 days stated by repossession company, to re obtain vehicle if able to return to work. 
I then get letter stating the amount owed after sale. few weeks later collection letters arrive for more that first letter, almost double the amount. Then i get letters from a 3rd party collection agency for almost triple the amount owed. followed by letter delivered by a sheriff to my XXXX year old son for yet a different amount, almost triple. 
the dealer and loan company are both well aware of me having a XXXX and out of work since XX/XX/2014. and continue to harass with letters, threats and abuse since monthly. 
also on my credit report the loan was closed on XX/XX/2014, around the same time of resold. the vehicle was taken around mid XXXX. by the way completely different than the amount on letter, and sherifff documents sent to me. 
in my opinion, this is uncalled for, and abusive on dealer and loan company, can you check into this and contact me back at XXXX. 
it was stressful enough with the XXXX, then have to deal with this harassment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
All of my original loans for XXXX school were obtained under the FFEL loan program. When completing my XXXX XXXX, the Public Service Loan Forgiveness program became available. I began repayment in XX/XX/XXXX under the impression from Great Lakes that I would qualify for PSLF, so I make career plans to work in XXXX in an academic setting,  balancing the lower pay with the opportunity for forgiveness. I contacted Great Lakes annually for Income Based Repayment ( which then became Income Driven Repayment ) qualification, a requirement for loan forgiveness, each year confirming that my loans would qualify for PSLF and I received confirmation each year from Great Lakes that my loans would qualify. Unknown to me, the federal requirements for PSLF changed in XX/XX/XXXX to require all loans to be Direct and serviced by XXXX XXXX. Had Great Lakes let me know I would have consolidated my loans in XX/XX/XXXX and completed payments. Instead, working under the impression given me by Great Lakes that my loan payments qualified for PSLF, I continued making monthly payments. This spring I checked in again with Great Lakes knowing my 120 payments would be complete soon after 10 years of payments. For the first time in 9 years of yearly checking with Great Lakes I was informed that none of my loans qualify and I am left having made minimal payments on my loans under Income Driven Repayment, accruing increased interest and leaving me with 6 more years of loan repayment, and no hope of loan forgiveness. I love my job but my financial plans are turned upside down because of the repeated and consistently bad advice I received from Great  Lakes. I have no way to know if the bad advice I received was intentional or simply benign neglect, but there is no doubt that Great Lakes received more income due to my intelligibility for forgiveness than if they had give me the information i needed to stay on track for forgiveness. I now have {$100000.00} in remaining payments that I never expected to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I have two hard credit pulls on my report that were not authorized by me. One on XX/XX/2016 by Institution Information XXXX/XXXX XXXX   XXXX, XXXX XXXX I was in recovery in XXXX at this time. 

The second is on XX/XX/2016 as well. By XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have tried to get transunion to help get these inquiries off my credit report that do not belong to me and some where mine that they removed and put them back on without notify me in the time frame. They didn't notify me at all. 

These are the inquiries that need to be removed : XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2018-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA

Complaint narrative:
Some COLLECTION XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, MD XXXX is saying I owe {$7400.00} I never heard of them never spoke to them never had a contract with them never got any letters from them please ask this organization how did they get my information and who authorize them to use my information with out my knowledge I have no knowledge of a debt never consent to debt their information is inaccurate and ask them how much did they pay for my information and who ever gave them must have stole it this is swindling according to 18 U.S. Code 1341 - Frauds and swindles and can lead up to fines of {>= $1,000,000} or imprisonment up to 30 years.

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 2018-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have two hard credit pulls on my report that were not authorized by me. One on XX/XX/2016 by Institution Information XXXX XXXX XXXX, XXXX XXXX I was in recovery in XXXX  at this time. 

The second is on XX/XX/2016 as well. By Institution Information Cap One XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: PA

Complaint narrative:
XXXX XXXX XXXX Complaint # XXXX Response Date XX/XX/18 Issue is that I was charge a high fee of over {$14000.00} I call them and told them I disputed the high fee for deferred payment I had. 
They act I cant dispute the amount. I want the loan put on hold until the documents and a clear understanding is to the loan. 
XXXX XXXX XXXX did not resolve my issue with my complaint and when talking to them you get pass around from one person to another.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I requested vailadation on XX/XX/XXXX from XXXX XXXXXXXX XXXX. And was sent back a letter stating it was with XXXX XXXX. In which I, sent them a letter to validation and instead I, was sent a offer to settle. Either company has sent me any validation to this debt. Also, I sent XXXX XXXXXXXX XXXX another letter stating that the account is still showing a balance and can they send me validation again. Never received it. I then sent a letter to XXXX on XX/XX/XXXX for validation and the same results but they only sent me a offer for a new card on XX/XX/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 2018-06-23 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: TX

Complaint narrative:
I requested vailadation on XX/XX/XXXX from XXXX XXXX XXXX. And was sent back a letter stating it was with XXXX XXXX. In which I, sent them a letter to validation and instead I, was sent a offer to settle. Either company has sent me any validation to this debt. Also, I sent XXXX XXXXXXXX XXXX another letter stating that the account is still showing a balance and can they send me validation again. Never received it. I then sent a letter to XXXX on XX/XX/XXXX for validation and the same results but they only sent me a offer for a new card on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I requested vailadation on XX/XX/XXXX from XXXX XXXX XXXX. And was sent back a letter stating it was with XXXX XXXX. In which I, sent them a letter to validation and instead I, was sent a offer to settle. Either company has sent me any validation to this debt. Also, I sent XXXX XXXXXXXX XXXX another letter stating that the account is still showing a balance and can they send me validation again. Never received it. I then sent a letter to XXXX on XX/XX/XXXX for validation and the same results but they only sent me a offer for a new card on XX/XX/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 2018-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I attempted to transfer funds from XXXX XXXX to Wells Fargo using XXXX. the recipient is affiliated with two accounts at Wells Fargo. Account " A '', a joint account and " B '' a  personal account. The funds went to the joint account NOT the personal account that I would have sworn I designated. The transactions were attempted through XXXX on XX/XX/XXXX {$300.00}, the XXXX {$1000.00}, the XXXX {$1000.00}, XXXX {$1000.00} and the XXXX {$500.00}. Upon seeing the {$3800.00} in the joint account his wife decided that half was hers and took {$1900.00}.

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 2018-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Cap One has decided to block my account access and restrict me from using my hard earned funds. They said it's due to some things called XXXX XXXX XXXX. This was after I got the card and was encouraged to fund the account. I now have no money because they ares holding cleared money for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Opened an account XX/XX/XXXX with Chase bank. Account was notified to be closed XX/XX/XXXX with dispute due to be completed by XX/XX/XXXX. No notification was given until a letter that was dated XX/XX/XXXX however the envelope was postmarked for XX/XX/XXXX, well after any dispute could be filed. I did not receive the letter itself until XX/XX/XXXX. Chase refuses to take responsibility for this lack of due notice. Chase also refuses to state exactly WHY my account was closed, even after referring me to Loss Prevention, which suggested potential fraud. As stated by no less than 4 individuals ( I escalated the call repeatedly ) there is NO ONE at Chase who will give me the exact reason why the decision was made to close my account, and NO ONE who will explain or take responsibility for due notice not being given in the correct time frame that would've allowed me to fix it. There were no phone calls, no emails, no messages on the account, no other letters other than the one scanned and uploaded. They also refused ( until the final escalation ) to verify my husband 's information ( he was also in the call with me ) being the primary account holder, with myself as the secondary.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Could you please help me, 1- I had a mortgage loan with XXXX XXXX which was paid in full after refinancing on XX/XX/2016. ( Loan Number XXXX ( Property Address XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ). 

2-Upon reviewing the 3 credit bureaus I found the home loan to be listed as late on XX/XX/2016. 

3- I have contacted the Customer Care Department at least 4 times but XXXX XXXX   keeps giving me the same Letter indicating the loan was reported paid off and due for XX/XX/2016 the 3 credit bureaus need to resolve the discrepancy accordingly. I do not know what action to take any longer. I even asked for XXXX XXXX upper management for help ( XXXX XXXX XXXX XXXX ). Please see the XXXX XXXX letter below.

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 2018-06-23 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: TX

Complaint narrative:
I have disputed items on my credit report over 4 times and the only response from EXPERIAN is that its been verified. I have asked EXPERIAN on more than one occasion to show me the burned of proof that these items are 100 % correct and it has not been VERIFIED. I also, asked EXPERIAN to send me the proof and the person who VERIFIED it. Needless to say I received nothing back NEITHER time I requested it. This is a Violation of 15USC 1681. I asked MORE THAN ONCE to send or let see the verifying documents, the persons name who verified them, And what documents was used to verify the items. Never received them out of the 3 times I, requested the documents. It is there responsibility to make sure that All information is 100 % correct before reporting it to a credit report. 1681 a,4. Re-investigation, does not mean I, the consumer prove to EXPERIAN that its no correct and send them the information proving it to be wrong. Re-investigate means just that for Experian and if it can not be VERIFIED it must be deleted.

As, prescribed by SECT. 611 ( 5 ) A. I have the dates that I sent Experian certified mail in the attachments along with the response back from Experian. Experian also, explained that they do not use other reporting agency for there deputes. With that being said can Experian explain how is the consumer suppose to dispute inaccurate information? Please explain? I do not understand if 1 item has been deleted from the other 2 CRAs and Experian keeps the item as been VERIFIED. How then am I, suppose to dispute that item? which that the case with a few of these items.

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