vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: STERLING JEWELERS, INC.
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies

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 2020-01-07 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: ONEMAIN FINANCE CORPORATION
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, Tennessee XXXX Acct # XXXX OneMain Financial XXXX XXXX XXXX XXXX XXXX, TX XXXX CC : Consumer Financial Protection Bureau XX/XX/2020 To Whom It May Concern, I am making a formal complaint regarding your credit inquiry process. 

I am distressed that you have reported multiple hard credit inquires to my XXXX  credit report when it was communicated to me by your representatives that OneMain Financial offers via XXXX XXXX were soft inquires and therefore would not appear on my credit report at all. It was also communicated to me that once I already had loan from OneMain Financial that any additional loan inquires would only be soft inquires. 

There should be only one hard inquiry on my credit reports for OneMain Financial. As it stands today my XXXX  credit report shows a total of FIVE hard inquiries from OneMain Financial which negatively impacts my credit rating. This is especially distressing because I was a great customer, always made my loan payments on time and even paid off my loan in full early. I did this thinking that OneMain Financial would definitely see me as a great customer if ever I needed to get a loan in the future ; however its a slap in the face to see that my great stewardship and diligence to build a positive credit trade line ends up actually hurting my credit score.

Therefore I contend that OneMain Financials processes for credit inquires exceeded expectations and was performed without properly informing me, the customer that these were hard versus soft inquires to my credit. I also contend that OneMain should do more to properly educate their representatives and potential customers on the difference between hard versus soft inquires as it was clearly not communicated to me that all credit reporting benefits of obtaining and properly paying on a OneMain Financial loan would be negated due to excessive inquires. Had this been properly communicated Im quite sure I would not have applied at all. 

Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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: TX

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies

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 2020-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: CO

Complaint narrative:
XX/XX/2019 I was in a bicycle crash and required and ambulance ride. The Ambulance was provided by XXXX XXXX and XXXX XXXX. My insurance was rather slow to pay so, XXXX XXXX and XXXX XXXX turned me over to Aargon Collection Agency. My insurance then settled with XXXX XXXX, but Aargon still wanted the remaining balance. I don't think I really owed this, but did not know how to fight it, so I paid then a settlement to go away. They have not gone away and continue to send collection letters. 

Settlement of {$850.00} was paid in full XX/XX/2019. Aargon reference number, XXXX Nevermind that Aargon probably had no right to any money, but they persist in harassment.

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 2020-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
My student loans should be forgiven since I've been on social security XXXX for 16 years and am 1000 % qualified to have my loans dismissed by the get in their entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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 was trying to trade in my car today XXXX2020and I was unable to due to my credit being in poor standing. I had no idea about this before today ; I looked over my credit report and accounts and I saw that there are two accounts that were opened in my name without my permission. Neither of those accounts belongs to me nor did I ever make any payments towards any of those accounts and I did not benefit anything such as money, goods, services or any other benefit. I have never had any written or verbal contract with any of those companies nor did I ever allow them to run or access my credit information. I have already filed a police report regarding this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: WY

Complaint narrative:
I have received a request for payment from Transworld Systems Inc. for a {$690.00} debt alleged by XXXX XXXX but it appears to the be same amount as the disputed amount from a different individual that was rejected for failure to meet minimum care standards. The alleged debt does not state the date of alleged service, the billing codes applicable, and provides no evidence that Transworld Systems purchased the alleged debt from XXXX XXXX. The alleged debt does not state how much Transworld Systems would be paid for collecting the alleged debt, which could be used to discount an old alleged debt. I have never solicited business from Transworld Systems, and I know they are shady debt collectors with a long history of abuses as documented by the thousands of complaints in the databases of Colorado and Federal governments. XXXX XXXX is not listed in the local phone directory and does not show in the local XXXX and XXXX  approved providers. 
At the minimum, Transworld Systems should be required to provide the actual name of the provider they claim to represent, the actual billing codes involved so that any alleged billing can be compared to that billed, the actual dates involved, the actual location where such alleged billing was incurred, and provide any payments already paid as per XXXX  and supplemental insurance. 
Additionally, I am XXXX and I do not use the phone. I will not use XXXX XXXX   friends to address this issue as it is the responsibility of Transworld Systems to  address disabilities per the Americans with Disabilities Act, and this is evidence of non-compliance by an abusive and vulgar organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was trying to trade in my car today XXXX2020and I was unable to due to my credit being in poor standing. I had no idea about this before today ; I looked over my credit report and accounts and I saw that there are two accounts that were opened in my name without my permission. Neither of those accounts belongs to me nor did I ever make any payments towards any of those accounts and I did not benefit anything such as money, goods, services or any other benefit. I have never had any written or verbal contract with any of those companies nor did I ever allow them to run or access my credit information. I have already filed a police report regarding this matter.

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 2020-01-07 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I applied for a credit card from comenity bank and they checked my credit numerous times I was on hold a few hours with Comenity Victorias Secret I was not resent my approval also they mailed me over several credit decisions and comenity bank ran my credit while I was on the phone telling them to absolutely not run my credit because my credit was good now its the lowest its ever been they have sent over ten messages, text messages, and mail to me please have them remove all the credit inquiries that were unauthorized and put me on the do not call/ email/ mail any harassment also why was I on hold so long without it ever being answered I no longer want a credit card with comenity please keep this private. 
Also I submitted a complaint with the XXXX  against XXXX XXXX XXXX XXXX for having been on hold for four hours and after the completion of the call the card was sent to the wrong address they are sending me harassing voicemails, postcards, and rude when I did call for my replacement card. Isnt it protocol for a business to only respond through the XXXX  to contact me? I am disputing a flight that was canceled, unauthorized use of my card ( I did include the police report ) and a debit adjustment. I mainly want to know why my dispute was denied before the statue of limitations run out, thank you! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Account disclosures sent by Wells Fargo are misleading and deceptive and do not adequately describe how excess payments for 0 % promotions are applied. The disclosure states " Your minimum payments will be applied first to lower APR balances before higher ones. Payments in excess of the minimum payment will generally be applied to balances with higher APRs first ''. However, the disclosure falls short in describing how excess payments will be applied when only 0 % APRs exist. I have three 0 % balance transfer balances with different expiration dates. When I send in excess minimum monthly payments, the payments are spread among the three balances although they don ; t have the same due date. One balance had an expiration date of XX/XX/19. I made a payment on XX/XX/19 in an amount sufficient to payoff the balance. Since the payment was spread between the three accounts, the expiring account started to accrue interest. This practice is deceptive since each loan was taken out at separate times and have different due dates. Each loan also required payment of a 4 % balance transfer fee. Excess payments should be applied based upon the loan expiration date, not spread to balances that may not mature for several months, up to one year.

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 2020-01-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, Tennessee XXXX Acct # XXXX Capital One CAPITAL ONE, XXXX XXXX  XXXX XXXX XXXX, VA XXXX CC : Consumer Financial Protection Bureau XX/XX/2020 To Whom It May Concern, I am making a formal complaint regarding your credit inquiry process. 

I am distressed that you have reported excessive hard credit inquires to my credit report when it was communicated to me by your representatives that Capital One offers via XXXX XXXX were soft inquires and therefore would not appear on my credit report at all. It was also communicated to me that once I already had credit card from Capital One that any additional loan inquires would only be soft inquires. 

There should be only one hard inquiry on my credit reports for Capital One. As it stands today my XXXX XXXX and XXXX credit reports each shows multiple hard inquiries from Capital One which negatively impacts my credit rating. This is especially distressing because I was a great customer and always made my payments on time. I did this with the thinking that Capital One would definitely see me as a great customer ; however its a slap in the face to see that my great stewardship and diligence to build a positive credit trade line ends up actually hurting my credit score. 

Therefore I contend that Capital Ones processes for credit inquires exceeded expectations and was performed without properly informing me, the customer that these were hard versus soft inquires to my credit. I also contend that Capital One should do more to properly educate their representatives and potential customers on the difference between hard versus soft inquires as it was clearly not communicated to me that obtaining and properly paying on a Capital One account would be negated due to excessive inquires. Had this been properly communicated Im quite sure I would not have applied at all. 

Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After sending several letters to XXXX requesting verification of a Bankruptcy that is currently being reported on my consumer report, they continue to reply stating that the Bankruptcy has been verified and continues to be reported. After requesting information on how that verification took place, they continue to respond the same way. Under the laws that govern the FDCPA, to verify a debt or " Bankruptcy '' you can not verify a Bankruptcy through 3rd party means. After speaking with the United States Bankruptcy Court District of Nevada, they have already made it clear that NO information is reported to ANY credit bureau. In such, means that the credit reporting agency is getting their information from a 3rd party, which is not legal for reporting.

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 2020-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After sending several letters to XXXX requesting verification of a Bankruptcy that is currently being reported on my consumer report, they continue to reply stating that the Bankruptcy has been verified and continues to be reported. After requesting information on how that verification took place, they continue to respond the same way. Under the laws that govern the FDCPA, to verify a debt or " Bankruptcy '' you can not verify a Bankruptcy through 3rd party means. After speaking with the United States Bankruptcy Court District of Nevada, they have already made it clear that NO information is reported to ANY credit bureau. In such, means that the credit reporting agency is getting their information from a 3rd party, which is not legal for reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BEXIL AMERICAN MORTGAGE INC.
State: AL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
On two separate occasions, roughly a year apart, I have sent a request to my servicer, Lakeview Loan Servicing LLC, to have my PMI reviewed and waived with no response from the servicer. The first instance, around XXXX of XXXX, it took at least several weeks to receive a response to my written request, and this was only after I called the servicer to inquire about the delay. The servicer 's reference number for this instance is XXXX. 

The second time, beginning in early XX/XX/XXXX, I again followed the servicer 's instructions for PMI inquiries to no avail thus far. It has been over a month without any acknowledgment, save for the reference number. The servicer 's reference number for this instance is XXXX. 

The 80 % LTV estimate date the servicer is using is painfully conservative. I have argued this clearly and would like to know what my options are for having PMI removed at this point since I am well past 80 % LTV.

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