vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-11 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: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I recognized that XXXX XXXX submitted 16 unauthorized inquiries on my credit report on XX/XX/2018. 

BMO Harris was one of the companies that was solicited. 
I contacted XXXX XXXX and spoke with XXXX, who identified himself as the Manager. 

He refused to help. 

It is very unfair that they did that. It lowered my credit score by 200 points.

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 2018-07-11 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I just received written confirmation that XXXX XXXX, my ex-wife, will be removed as an Authorized User on my Wal-Mart Credit Card, account number XXXX ( the Account ). It is my understanding that Walmart intends to continue reporting the Account to XXXX, XXXX and XXXX on XXXX Credit Report, with the premise that she is not responsible for the balance. Unfortunately, although she is not responsible for the balance, the existence of the Account and the related payment history ( that she is not responsible for ) is negatively impacting her credit score. XXXX is in the process of securing a mortgage for the purchase of a home. The negative impact ( lower credit score ) from reporting the Account on her Credit Report, will cost her several thousand dollars in order to obtain an applicable interest rate if the Account was deleted and no longer reporting ( higher credit score ). Since she is not, and was never, responsible for the balance on the Account, I do not understand why you would report it to XXXX, XXXX and XXXX on her Credit Report in the first place? It is based on this premise and the negative impact the Account has on his Credit Score that I request that the Account be deleted immediately from any and all future reporting, on behalf of XXXX, to XXXX, XXXX and XXXX. I would like written confirmation that this request has been submitted to XXXX, XXXX and XXXX and that in the interim, I would like it noted on my Account, immediately, that I authorize a responsible Representative, from Wal-Mart, to  discuss this information openly with XXXX XXXX, XXXX, XXXX and XXXX. Time is of the essence and I would like written confirmation immediately. I look forward to hearing from you right away.

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 2018-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I got a message from someone claiming to be a process server. He told me that he has papers in my name and social security number to serve me and that he would be serving me papers at my home or place of employment. He left a toll free number to call back with a case number to reference. I call back and they say they are mediators calling on behalf of Wells Fargo for a debt that is at least ten years old. A man named XXXX XXXX says say that if I arrange payment that day Wells Fargo would no longer sue me. They say they are a company called XXXX XXXX XXXX and offer mediation services. They say that if I don't pay on the phone I will be served papers and have to appear in court and will owe 4 times the amount if they take it to court. He told me that Wells Fargo wins 97 % of cases. He scares me into making a payment plan which I immediately cancelled after I got legal advice. They sent me an email afterwards and the email was not from the mediation company they claimed to be from. It turned out to be from XXXX XXXX XXXX XXXX. Never once did they say this was an attempt to collect the debt or send me notifications. He also bullied me by telling me the statute of limitations was not over because they sent me a letter in 2015 ( which I never acknowledged ). He harassed me and threatened to call my employment.

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 2018-07-11 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: Commercial Acceptance Company
State: PA

Complaint narrative:
I recently found out that I supposedly owe 3,000+ to an apartment complex by applying for a loan and being denied. The dispute took less than 30 days to investigate. I lived at that place for months, and had a cosigner. So if I didn't pay I'm wondering how would I have been able to stay at that property until I graduated and I was able to hand in my keys if I owed this company money. As mentioned previously I also had a cosigner in the event I didn't pay they would be responsible or someone would contact them if I didn't make payment. I don't believe it was fully investigated as I just put in the dispute not even a week ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I have sent two Debt Validation letters ( XX/XX/2018, XX/XX/2018, ) to Cavalry Portfolio Services requesting proof that I owe Them money for an alleged debt. I asked them to provide me with any paperwork with my signature to prove that I agreed to pay Cavalry Portfolio Services for this alleged debt. Cavalry Portfolio Services has failed to provide me with any proof that I owe Cavalry Portfolio Services any money or that I have signed any paperwork agreeing to pay them any money.

I also asked Cavalry Portfolio Services to stop reporting negative information to the three ( 3 ) major reporting bureau 's ( XXXX, XXXX or XXXX ) until they provide me with proof that I owe Cavalry Portfolio any money. They have failed to stop reporting invalidated information the three ( 3 ) major reporting bureau 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX XXXX XXXX, XXXX called my home phone. My XXXX year old son who has XXXX answered. XXXX asked him some questions about me including D.O.B. which he gave them. They then proceeded talking with him about a debt they say I owe. After a minute or 2 I realized he was talking about me and I quickly grabbed the phone. I asked who the caller was and they quickly hung up.It wasn't until XX/XX/XXXX at XXXX XXXX that I found out who it was after they called my cell phone with the same number used to call my home. Today is XX/XX/XXXX and they called again yesterday XX/XX/XXXX at XXXX XXXX. claiming I owe them money. I have no information stating I owe them anything or where the debt is from. I also have nothing from them regarding my rights to verify or dispute their claim which they are required by law to send within 5 days of initial contact which was back on XX/XX/XXXX when they talked with my XXXX year old son.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
About six months ago I was considering paying off some small loans and realized a loan from XXXX was included in the above referenced home equity loan payoffs and should be inactive on XX/XX/XXXX I faxed a letter to whom it may concern inquiring about the missing payoff to XXXX. A copy of this fax is included in this email. I have made several attempts to contact someone in regards to this situation at no avail!!! XX/XX/XXXX Per our telephone conversation I am forwarding the information requested by you in hopes we have included what is necessary to re resolve this matter XX/XX/XXXX I took a student loan for our daughter. A receipt is included in this email.I took out a home equity loan. A disbursement was made to pay off this loan of XXXX which XXXX was left Settlement date XXXX. A disbursement was made to pay the loan of XXXX ; XXXX. The foregoing is from settlement statement transactions without seller US department. On XX/XX/XXXX I receive an encrypted message providing payment history.On XX/XX/XXXX they responded saying they had no records of the checks that they send out. Yet they sent me all the paper work but not the copies of the checks. The reason I did not notice was because I had automatic withdrawal I have talk to so many personnel there and nobody could give a direct answer I have copies of all the transaction except copies of checks they said the company out of business so I said why don't you have copies of checks?

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 2018-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In XX/XX/2017 I was experiencing a great deal of pain in one of my XXXX. I went to XXXX XXXX. After an evaluation to fit me for a XXXX XXXX I was in favor of. The XXXX told me he could not save XXXX XXXX and would have to pull it. He ended up XXXX XXXX XXXX and I was left with huge XXXX in my XXXX. I am very upset about that procedure and I will never go back to XXXX XXXX. 

I went to XXXX XXXX in hopes of getting assistance so I could eat, talk, and smile. After many XXXX   visits I received a XXXX XXXX. It is/was SO very painful. I went back 6 or 7 times to have it fixed but finally was told they were not responsible for the XXXX. 

I talked to an attorney and he advised me and I did take the actions he suggested. I requested a Fair Credit Billing and was told by Synchrony Care Credit that they contacted XXXX XXXX. XXXX XXXX said I signed the sales receipt. Synchrony Care Credit said they can not judge the quality of the services. They release the disputed amount in the XXXX XXXX favor. Also I signed up for a promotion purchase to have the payment and interest rate the same through the repayment of the loan and I am not getting that. That is why I started this whole procedure. I had terrible service and I can not get a repayment plan I was promised ( attached is the statement with the Promotion Plan and my current charges ). The promotional plan is taken totally off my account. 

Can you PLEASE help me get fair treatment at least on the repayment of the terrible service? 

Sincerely, 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 monetary relief
Consumer complaint received 2018-07-11 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: HEARTLAND PAYMENT SYSTEMS INC
State: MA

Complaint narrative:
I have setup an auto draft for one of my student loans ( Perkins Loan being collected by XXXX XXXX ) which was only {$40.00} a month. In addition to that, whenever I could I made additional payments more than the required monthly payments to pay off the loan faster. However, few days ago when a mortgage lender pulled my credit we noticed that I have few late payments on my credit record all from this account. 
I called XXXX XXXX and for days they were not responsive and instead send me back and forth to my school or my bank. After few days someone finally responded to me and said that the auto draft was never setup and therefore I was getting hit for late payments. They claimed that I have been notified but I have been leaving in my current address for 4 years and not once I received a notification from them. 
I explained to them that this is a mistake or misunderstanding. I explained that I have other student loans with even higher monthly payments that I have never been late on ( in fact it is paid a head till 2020 ), I also have multiple bills that I pay monthly and I have never been late on anything ever in my life so why would I be deliberately late on this account. In addition, I offered to fix this by paying off the remaining balance on this loan in full today in exchange to get this inaccurate late payments removed from my account, but they just simply said no with no additional explanation. 

I have maintained a perfect credit score for years so that I can use it when it is finally the time for me to buy a house. Now I am in the process of buying a house but since my credit score is missing only 3 points I might not be able to buy the house or any house for now. I don't like complaining but I am being punished for a system error and XXXX XXXX is not willing to help me in any way so I am asking you to please please help me to fix this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 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: Navient Solutions, LLC.
State: NC

Complaint narrative:
My problem is with the loan servicer, Navient. I requested a Income based repayment plan in XX/XX/XXXX. According to the website, and the letter that I received, no payment would be due until XX/XX/XXXX. I got an email and few weeks ago stating the my loan is now currenting due. I logged back into the website and discovered that a payment in the amount of {$220.00} dollars would be due on the XXXX of this month ( XX/XX/XXXX ). I contacted the company and asked why suddenly are all my loans due. They could not explain why that made sense to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: TN

Complaint narrative:
In XX/XX/XXXX, Trident Asset management removed this same debt from my XXXX credit report. I contacted the company for debt verification in XX/XX/XXXX and received nothing. The collection is placed back on my XXXX report. Upon further investigation this company 's license # XXXX is expired XX/XX/XXXX and not licensed to collect in the state of TN. I want this debit removed, as it was in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 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: Sierra Holdings LLC
State: TX

Complaint narrative:
I spoke with the creditors and I also called XXXX XXXX and I was given false information from both parties concerning ways of getting this problem resolved. I was told in the past XXXX XXXX were experiencing problem with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I recognized that XXXX XXXX submitted unauthorized inquiries for finance 16 times on XX/XX/2018. 
TD Auto Finance was one of the companies that was solicited. 
I contacted XXXX XXXX and spoke with XXXX several times. he identified himself as the Manager. he refused to help.

It is very unfair that they did that. they lowered my credit score by 200 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I provided XXXX, Transunion and XXXX with information asking them to verify all accounts on credit file, as I did have issue with incorrect information being reported, as I am a XXXX. I advised that the information was not current, shown to have been incorrect, and ask that they remove the incorrect information ASAP. They are also providing and showing out dated information advising that I am currently behind on my accounts, when I am current and have not been late. Advised that information would be updated, but that information did not show to have been updated still to this day. Showing the last information to be reported was dated for XX/XX/2017. I have asked all 3 companies to update, verify or remove the accounts and to no avail. At this time I am asking for all hard inquires, as well as all collections shown to be removed, and all outdated inaccurate information removed as well. I shouldn't have any inquires on my report as I have not apply for any updated or new credit. I have sent letters to all 3 credit companies advising if this information is not corrected, I will move on the legal actions. I should not have to pull and go back in fourth with a company that is paid to report accurate and true and correct information! Please assist me in getting this all resolved and having all this information verified, removed off my report. I didn't want to come to this point, but this is the only chance to have this matter resolved.

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 2018-07-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I provided XXXX, XXXX and Equifax with information asking them to verify all accounts on credit file, as I did have issue with incorrect information being reported, as I am a XXXX. I advised that the information was not current, shown to have been incorrect, and ask that they remove the incorrect information ASAP. They are also providing and showing out dated information advising that I am currently behind on my accounts, when I am current and have not been late. Advised that information would be updated, but that information did not show to have been updated still to this day. Showing the last information to be reported was dated for XX/XX/2017. I have asked all 3 companies to update, verify or remove the accounts and to no avail. At this time I am asking for all hard inquires, as well as all collections shown to be removed, and all outdated inaccurate information removed as well. I shouldn't have any inquires on my report as I have not apply for any updated or new credit. I have sent letters to all 3 credit companies advising if this information is not corrected, I will move on the legal actions. I should not have to pull and go back in fourth with a company that is paid to report accurate and true and correct information! Please assist me in getting this all resolved and having all this information verified, removed off my report. I didn't want to come to this point, but this is the only chance to have this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/2018 i realized about a fraudulent transaction on my saving account that took place just the day before XX/XX/2018, it was XXXX dollars. I inmediatly called to report it, they told to me that i should sign a form in order to get a temporary reimbursment while they investigated such activity, they advised me to go by a sucursal to close and open a new account. I went to the bank, the banker told me to replace both checking and saving accounts since he had found 2 fraudulent transaction on my checking account as well from XX/XX/2018, he called to report this and at the end they said they could not credit the transaction of XXXX dollars since i was responsable for any transaction that occur more than 60 days. All in all they have manipulated this problem to their convenience, i dont understand their decision because i reported it in less than 24 hours. They credited {$30.00} to the checking account and {$5.00} to the saving account that i really not know about this XXXX dollars because i never signed any affidavit for this amount. I think they have violated my rights as a consumer, i hope i can solve this problem with your cooperation and not have to look for legal representation, thank you so much for taking my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 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: The CMI Group, Inc.
State: GA

Complaint narrative:
XX/XX/XXXX, I went into a XXXX location to return some equipment and was informed of an account from a previous address that had a balance. I paid the balance in the store and was told that no negative reporting would occur as I paid them directly, and if it had been sent to collections it would be deleted. Turned out that it had already been reported to collections, so I waited. I reached back out to XXXX via chat and was told again that it would be deleted as they took the payment, I just had to call a number and tell them. I did that, and now it just reports as a paid collection on my reports, when I have proof that I was told that it would be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief