vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
On XX/XX/XXXX I spoke with the sales manager to get prequalified with XXXX XXXX XXXX XXXX I am completely aware that during the financing process they submit multiple credit applications. With this fact in mind, I specifically instructed the sales manager that I ONLY WANTED TO ACQUIRE FINANCING WITH XXXX. I specifically instructed the sales manager to avoid shopping my credit around because I did not want numerous inquiries on my credit report. I am in the process of acquiring a business loan and was told to avoid that sort of activity. The sales manager did not properly communicate my authorization to only submit 1 credit application to the finance manager, which resulted in the UNAUTHORIZED SUBMISSION to several lenders. The General Manager of the dealership has admitted fault and apologized for the unauthorized submissions. While it does bring me solace to know their actions were not malicious, the accidental submissions has hurt my credit report and ability to acquire a business loan. I have challenged the inquiries with the credit bureaus and have been referred to challenge these directly with the lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 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: Exeter Finance, LLC.
State: NE

Complaint narrative:
OnXX/XX/XXXX I spoke with the sales manager to get prequalified with XXXX XXXX XXXX XXXX. I am completely aware that during the financing process they submit multiple credit applications. With this fact in mind, I specifically instructed the sales manager that I ONLY WANTED TO ACQUIRE FINANCING WITH XXXX. I specifically instructed the sales manager to avoid shopping my credit around because I did not want numerous inquiries on my credit report. I am in the process of acquiring a business loan and was told to avoid that sort of activity. The sales manager did not properly communicate my authorization to only submit 1 credit application to the finance manager, which resulted in the UNAUTHORIZED SUBMISSION to several lenders. The General Manager of the dealership has admitted fault and apologized for the unauthorized submissions. While it does bring me solace to know their actions were not malicious, the accidental submissions has hurt my credit report and ability to acquire a business loan. I have challenged the inquiries with the credit bureaus and have been referred to challenge these directly with the lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
Phone was lost, unauthorized fraudulent use of card regarding a purchase for a credit card after a hard inquiry 65 points were taken 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 2017-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Advantage LNS Inc.
State: AZ

Complaint narrative:
Since XX/XX/XXXX, the staff at XXXX XXXX XXXX stole from me. Because they had key access, they would enter my apartment and steal documents, contracts, files, personal information, medications, medical records, food, shoe trees, shoe bags, and antique coins. 

In AXX/XX/XXXX, I refused to renew the lease. XXXX, the property manager and XXXX XXXX, the property owner charged me with a secret, negative credit report through XXXX XXXX XXXX. A secret, negative credit report owes no explanation. No attorney nor district attorney would accept the case. 

XX/XX/XXXX, I moved out of XXXX XXXX XXXX. I was not allowed to witness or be present during my apartment 's final inspection with XXXX and XXXX XXXX. Consequently, my security deposit was n't refunded and the National Credit Audit Corporation was hired to negatively impact my credit score and collect {$86.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX {$600.00} I have never argued over that supposed debt item because there is no debt item. I have lived up to my agreement and nothing is owed by me. 

MY PROOF of adherence to the terms of the original rental lease is as follows : As per the original lease with XXXX XXXX dated X/X/2011 Monthly payments of {$850.00} were due on the XX/XX/XXXX ( XX/XX/XXXX ) of each month, and considered late on the XX/XX/XXXX ( XX/XX/XXXX ) of each month. 
First of all, the lease payments during my residency did not ever total a monthly amount of {$900.00} ( {$600.00} plus {$300.00} ). Again, as the original lease reads, the monthly rent was a flat {$850.00} ( see attached ) Section 9. TERMINATION OF TENANCY BY RESIDENT Upon the first anniversary of this Lease, the resident may, at any time, thereafter, terminate this agreement by giving the Landlord a written notice of its intention to terminate. The tenancy is then terminated within thirty ( 30 ) days or at the end of the next rental month following receipt of notice, whichever is greater.
DOCUMENTS INCLUDED : Page one of the Original XXXX XXXX XXXX XX/XX/XXXX - Rental termination letter for XXXX XXXX XX/XX/XXXX - Rental payment/final payment for XXXX XXXX XX/XX/XXXX Rental payment for new residency at XXXX XXXX XX/XX/XXXX Rental payment for second month of new residency at XXXX XXXX I, as of yet, have not seen any valid proof of verification of this supposed debt. Nothing of what I have asked for in multiple certified letters has been furnished to me in any way. What I have seen displayed is YOUR willful refusal to provide proper verification as required by law. 

Where is YOUR proof of ACTUAL VERIFICATION of this supposed debt Item? 

Where is YOUR proof of ACTUAL VERIFICATION giving you the right to post this as a negative item to my credit report? 

Where is YOUR documentation! 
Since you have proven that you can not supply that proof, you must remove it from my report!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America has shut off communications ( see Exhibit 1 ) and has refused to correct its mistaken duplicate lien that it added onto the subject property. Bank of America has failed to submit a title insurance claim to XXXX XXXX ( see Exhibit 2 ). 
Bank of America points its finger at XXXX. However, XXXX, the mortgage servicer only, was not the responsible mortgage note holder that created a duplicate erroneous lien ( see Exhibit 3 ) Bank of America was. Moreover, XXXX is a company that is out of business, and the fiduciary of XXXX corporate corpse accepts no responsibility ( see Exhibit 4 ). 
To repeat, Bank of America acquired the $ XXXX mortgage, for which the complainant has been paying for ever since then as part of her consolidated mortgage ( see Exhibit 5 ). But Bank of America, obligated to ensure that its new lien/mortgage didnt duplicate another lien/mortgage, failed to do so ( see Exhibit 6 ), leaving the complainant with extensive damages!!

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 2017-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: C&F MORTGAGE CORPORATION
State: VA

Complaint narrative:
Please attached to complaints filed on XX/XX/2017. Complaint No ( s ). : XXXX ( XXXX ) and XXXX ( XXXX XXXX XXXX  ). Document will be notarized.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 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: ID Analytics, Inc.
State: TX

Complaint narrative:
XXXX XXXX 2017 i received a denial letter from a bank and one of the so called credit reporting agencies was XXXX XXXX XXXX. who are these people and where to they get the authorization to have all of my credit information. they also say that my credit score is atleast 200 points below everyone else. They also say that have too many delinquencies, which i do n't, limited history for consumer at this phone ( if they are talking about my cell phone number that i use i have had for over 20 years ) the number of accounts with delinquency and not enough bankcard debt experience.

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 2017-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Social Finance, Inc.
State: FL

Complaint narrative:
I refinanced an FHA mortgage into a conventional mortgage in order to get rid of mortgage insurance payments. My lender is Sofi. When I contacted the lender, I was promised an interest rate of 4.375 %. I signed a rate lock document that guarantees that rate for 40 days. 

However, in the closing documents the rate was stated as 4.5 %. In the rush to sign all the closing documents I overlooked that and signed the papers. 

Do I have any recourse? 

Date rate lock Expires : XXXX XXXX, XXXX : Date closing documents were signed : XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Omni Group, Inc
State: FL

Complaint narrative:
Called and reported to be from a law firm representing a company tryong to serve me with a summons. Then called both of my parents immediately after o did n't answer the phone and left the same message. I called back and they threatened to send the process server to my work and that I needed to take care of thos now. I told them I do n't know who the credit card was from and do n't even remember having it. They continued the tactics until i agreed verbally to a payment plan. Then they sent me a contract to stop the process. Once I had a few minutes to think, I checked the XXXX clerk of courts and there were no suits against me and then looked at my credit and thos was n't even listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX {$300.00} XXXX  XXXX XXXX XXXX/XXXX XXXX/XXXX {$600.00} I have never argued over that supposed debt item because there is no debt item. I have lived up to my agreement and nothing is owed by me. 

MY PROOF of adherence to the terms of the original rental lease is as follows : As per the original lease with XXXX XXXX dated XX/XX/XXXX Monthly payments of {$850.00} were due on the XXXX ( XXXX ) of each month, and considered late on the XXXX ( XXXX ) of each month. 
First of all, the lease payments during my residency did not ever total a monthly amount of {$900.00} ( {$600.00} plus {$300.00} ). Again, as the original lease reads, the monthly rent was a flat {$850.00} ( see attached ) Section 9. TERMINATION OF TENANCY BY RESIDENT Upon the first anniversary of this Lease, the resident may, at any time, thereafter, terminate this agreement by giving the Landlord a written notice of its intention to terminate. The tenancy is then terminated within thirty ( 30 ) days or at the end of the next rental month following receipt of notice, whichever is greater. 

DOCUMENTS INCLUDED : Page one of the Original XXXX XXXX Lease XXXX - Rental termination letter for XXXX XXXX XXXX - Rental payment/final payment for XXXX XXXX XXXX Rental payment for new residency at XXXX XXXX XXXX Rental payment for second month of new residency at XXXX XXXX I, as of yet, have not seen any valid proof of verification of this supposed debt. Nothing of what I have asked for in multiple certified letters has been furnished to me in any way. What I have seen displayed is YOUR willful refusal to provide proper verification as required by law. 

Where is YOUR proof of ACTUAL VERIFICATION of this supposed debt Item? 

Where is YOUR proof of ACTUAL VERIFICATION giving you the right to post this as a negative item to my credit report? 

Where is YOUR documentation! 
Since you have proven that you can not supply that proof, you must remove it from 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 2017-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX  XXXX XXXX XXXX XXXX {$600.00} I have never argued over that supposed debt item because there is no debt item. I have lived up to my agreement and nothing is owed by me. 

MY PROOF of adherence to the terms of the original rental lease is as follows : As per the original lease with XXXX XXXX dated XX/XX/XXXX Monthly payments of {$850.00} were due on the first ( XX/XX/XXXX) of each month, and considered late on the sixth ( XXXX ) of each month. 
First of all, the lease payments during my residency did not ever total a monthly amount of {$900.00} ( {$600.00} plus {$300.00} ). Again, as the original lease reads, the monthly rent was a flat {$850.00} ( see attached ) Section 9. TERMINATION OF TENANCY BY RESIDENT Upon the first anniversary of this Lease, the resident may, at any time, thereafter, terminate this agreement by giving the Landlord a written notice of its intention to terminate. The tenancy is then terminated within XXXX ( XXXX ) days or at the end of the next rental month following receipt of notice, whichever is greater. 

DOCUMENTS INCLUDED : Page XXXX of the Original XXXX XXXX XXXX XXXX - Rental termination letter for XXXX XXXX XXXX - Rental payment/final payment for XXXX XXXX XXXX Rental payment for new residency at XXXX XXXX XXXX Rental payment for second month of new residency at XXXX XXXX I, as of yet, have not seen any valid proof of verification of this supposed debt. Nothing of what I have asked for in multiple certified letters has been furnished to me in any way. What I have seen displayed is YOUR willful refusal to provide proper verification as required by law. 

Where is YOUR proof of ACTUAL VERIFICATION of this supposed debt Item? 

Where is YOUR proof of ACTUAL VERIFICATION giving you the right to post this as a negative item to my credit report? 

Where is YOUR documentation! 
Since you have proven that you can not supply that proof, you must remove it from 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 2017-10-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC
State: FL

Complaint narrative:
In XXXX 2015 the account assigned and handled by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acting on behalf of the creditor Westlake Financial Services was paid in full as per the Paid in Full Notification attached. 

This account should be dismissed by all of the ( 3 ) credit bureaus as " paid in full ''. 

Please take steps to delete this entry from my account or amend it accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has deleted all the accounts below that should be on my credit report. 

CREDIT CARDS XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$0.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$0.00} XXXX XXXX Last reported : XX/XX/XXXX + {$0.00} XXXX XXXX XXXX Closed : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX XXXX  Closed : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$52000.00} Good

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
The repayment options do not take Into consideration living expenses just gross income. I barely have income left after monthly bills and my son. I 've had years of issues paying the loan back and there has to be an option to help. Other people get help. I could have had assistance with school payment when I signed up for school. I did n't even have a stable home or live with parents. I feel the forebarences put me way in over my head with Intrest and I will always be stuck and I should have never be signed up for the route I was given. I was young and misinformed and could have had way more help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Company had enrolled me in payment plan. I had made or exceeded the minimum payment as shown on my monthly statement. Company reported a 30 day late mark despite this. Periodic calls to company resulted in being told account is fine/good standing/showing payments received. Upon identification of credit mark, escalated call to company and was advised was " speaking to wrong department as my account is in special program ''. Statements clearly show payments as follows : XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$200.00} XX/XX/XXXX - {$200.00} Spoke to representative about amount showing past due on XX/XX/XXXX, XX/XX/XXXX statements prior to negative credit mark in XX/XX/XXXX. Was advised that this will continue to show since I am on a special payment program. 

Statements did not reflect past due amount in minimum payment due. Thus, statement incorrectly showed the true status of my account. Enclosed are statements for XX/XX/XXXX-XX/XX/XXXX,  which clearly depict the minimum payment, and the amount of payment made. 

Again, several calls made to XXXX XXXX during XX/XX/XXXX-XX/XX/XXXX about past due amount v. minimum payment due. Each time I was advised that this is due to my " payment program ''. 

Was wrongfully advised by customer service as well as statement documentation ( enclosed ). Payments were made according to the minimum payment due. 

Company refuses to acknowledge their misleading representation of my account status. This falls under Unfair and Deceptive as a UDAAP violation. The company did not act in a way as to their fiduciary responsibility to protect me as a consumer by incorrectly specifying the minimum payment due on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: J & C Auto Sales of Collier County, LLC
State: FL

Complaint narrative:
My credit shows that I owe j and c auto sales a little over XXXX dollars for a vehicle that I voluntary gave back to them in XX/XX/XXXX. I have contacted the company via phone and was told by a gentleman by name of XXXX that he would not provide me with any documentation of what I owe them for the vehicle. After I turned the car into them, the vehicle had been re-titled in the company 's name around XXXX XXXX, then sold to leased to another customer. The customer then gave the car back to the company which it was then re-titled back in the company 's name around XXXX XXXX, then vehicle was then sold to another owner the same month. The FL DMV has documentation of these sales and re-titling.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-06 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: TX

Complaint narrative:
These collection accounts below are not mines. I have contacted all three agencies and the Attorney General in which these companies have XXXX in to dispute the collection tactics. 

COLLECTIONS NCC BUSINESS SERVICES Last reported : XXXX XXXX, XXXX + {$5900.00} Needs Attention XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX + {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX reported : XXXX XXXX, XXXX + {$310.00} Needs Attention

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