vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-03 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 have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this.

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 2019-07-03 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 have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

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 non-monetary relief
Consumer complaint received 2019-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Accurate Background
State: GA

Complaint narrative:
Approximately XX/XX/2019 I was hired with XXXX for a start date on XX/XX/19 contingent on background check. I have not been allowed to start the agreed date or notified anything about my job offer from XXXX because accurate.com provided info to XXXX of a criminal charge that was past seven years ago. 
XXXX asked was any crimes within past seven years.. I answered No which is correct Accurate.com provided XXXX with my criminal history over seven years ago, When it should have reported no record found. The info is public records that clearly states my probation ended over seven years ago. I feel they reported info to be unfair and malicious to have a negative impact where XXXX would rescinded the job offer. This company should be held liable for reporting incorrect info.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, this is a follow-up to the response that Chase sent to me. I was not available to respond to the response to my previous complaint, so I'm doing it here. In short, the representative from Chase who responded to my last complaint here did not understand the issue or misconstrued it. The misleading marketing information was not from a third-party reporting on their interpretation of Chase 's product offering. This was Chase bank 's marketing material that was captured visually from Chase 's website. It was captured and discussed on a blog and the time-frame of Chase 's advertisement/marketing material is similar enough to when I applied for my Saphirre preferred that this advertisement/marketing material is misleading. 

The snapshot of Chase 's marketing content is attached. 

Thank you for your consideration and time -- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello, I am trying to improve my credit score, and wanted to pay off my credit card balance. I attempted to get my debt reduced in exchange for paying it off in full. We came to an agreement about an amount. Several times during the phone call I said I was not comfortable accepting terms unless I received the offer in writing. Over the phone, they said they would report my account as settled rather than paid in full. 

After I got off the phone, I looked up settlements and saw that it would hurt my credit for 7 years, and I would be penalized on taxes, even though the forgiven debt was only about 25 % of what I owe. I still paid a large portion of what I owed ( over 50 % ), but found my account was restricted. I called and said I did not want a settlement, but want to pay it in full. That is what I was asking for in the first place. Yes, I wanted fees waived, but I want it to show paid in full on my credit report. 

Capital One is now saying too bad. Whether, I pay the full balance or not, they will report it as settled. This hardly seems right or legal. According to Fair Credit Act, I believe it is illegal for them to knowingly report false information. 

I want to pay the balance and I want them to remove reports of late payments and report the card as paid in full. That is all I want to do. 

I called several times. I spoke to a manager more than once, and they still claim there is nothing I can do. I am locked into the arrangement and that's it. I was pressured into taking the deal before researching or consulting with a financial advisor. I said I wanted to see it in writing and talk to someone first, and they said it would not still be on the table. This is not right. I had no idea how bad this would be for my credit. Why would I pay all this money just to have a bad credit score?! Especially when most of the debt was not forgiven ... 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have disputed this account was TransUnion. The account is acceptance now. I have no knowledge of this account. I asked trans union to send me the name, number, and person that verified the account and how did they verify the account. The failed to provide the information requested.

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 2019-07-03 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 have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 


XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
During the life ( XX/XX/XXXX to XX/XX/XXXX) of the loan I was undergoing severe financial struggles. Due to stress and lack of transportation at a young age, this was my first car loan and I made a bad choice when I purchased the vehicle. It had tons of severe mechanical problems that were extremely high in cost to fix that the dealership did not disclose. Most of the late payments that were made were due to trying to fix and maintain the vehicle to ensure that it stayed in working condition and I could not afford to pay the loan and fix the vehicle at the same time. The loan provider showed little to no remorse in such situation and did what they could to ensure the vehicle left my possession after late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My name is XXXX XXXX Navy Federal keeps reporting a negative account on my credit that does not belong to me Ive reach out to them numerous times and still no action has taken place to remove it or delete it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
My mortgage company roundpoint mortgage purchase my mortgage from my original lender and took control of the mortgage on XX/XX/XXXX of 2019 at that time it was discovered that there were issues regarding property tax payments from the original lender. I began the refi process in late XXXX making it very clear to the roundpoint mortgage representative that I was not going to and not able to bring any money to the closing and I was very clear of that both orally on the phone and in email. Nothing was ever said until we were about a week away from closing and then the issue comes up that I need to bring money to the table at the time of closing. The manager of the refi department at roundpoint went back and listen to all of our conversations and admitted to me that they did not make full disclosure about any programs about what my responsibilities were. Here we are now almost 14 weeks later I still haven't closed on my refi and I am going to be asked to bring money to the table. I was not given disclosure about what programs they were going to use what the requirements were for the program 's nor was I ever given the option to discuss what programs they were going to use for the refi. 
Now, if the refi doesn't go through I am going to be struggling for months to catch up not only with my mortgage but with my other debts due to the fact that I was told we were going to close in XXXX. This is not right, I want to close and I want to close the way will you agreed upon, silence is acceptance nobody ever said anything to me that we can't do a refi unless you bring money to the table.

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 2019-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL

Complaint narrative:
Someone by the name of XXXX contacted my brother in regards to my mom and hung up on me twice and said that i was lying and that i was my mother. XXXX insulted my brother on the phone and told him that it was non of his business why he was calling him and other disrespectful threats. He was also very sarcastic while on the phone with me insinuating i was my mother. the company name is XXXX XXXX XXXX. the phone number is XXXX. They were only able to pull us up with my moms phone number XXXX so i dont know how they got my brothers number

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: NC

Complaint narrative:
I have attached documentation concerning XXXX XXXX XXXX XXXX XXXX XXXX XXXX Documentation for this account is the # XXXX I have attached the documentation for XXXX XXXX XXXX Account number Start with XXXX The documentation i have attached for this account is XXXX Both of these documentation are letters signed by a judge showing i am not responsible for the debt.

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 2019-07-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX Purchased home : XX/XX/XXXX - I am a 100 %  XXXX veteran. I separated from the military XX/XX/XXXX. I requested a refinance, special forbearance and any other program that would save my home with Bank of America during that time. I had a VA home loan and at no time did Bank of America ever try to work with my VA rep to find a solution to my refi request. Bank of America fraudulently delayed my application to modify the terms of my mortgage in order to steal my home and sell it at a profit. I had at least 20 delays, over 5 new reps responsible for my case ( each time it took weeks to get in contact with them and weeks for them to review my case before they would work with me ). The reps would request fax, emails, and mail of the same documents that had been confirmed received by Bank of America over 20 times. 

- Bank of America never properly hired, trained or equipped their workforce to genuinely address homeowners like me. They deliberately obfuscated, misled and otherwise deceived me in this process only to at the end deny my request. The only reason I was able to save my home was because I went out on my own and applied for the California keep your home program. I was awarded the money through that program. Bank of America received a check for the entire 15+ plus months I was behind in my payments, bringing me current. I had no history of any delinquency in my mortgage loan or other debt when I first reported to Bank of America I needed to refi and apply for any program that would save my home. 

- It was stated to Bank of America I was a XXXX veteran ( 100 % ) and I was awaiting my XXXX compensation from the Department of Veteran Affairs many times over. Having these 15+ plus late payments on my three credit reports have prevented me from applying for much needed loans. This has impacted my quality of life and my health. I have had a few law firms contact me as it relates to a class action lawsuit because of this refi issue I had with Bank of America. I do not want to take that road. I just want my three credit reports corrected so I am able to move on with my life. 

- I am 100 %  XXXX veteran and the Department of Veteran Affairs as well as myself trusted Bank of America to not only service my loan but to do what was fair to me as a veteran. That did not happen. The below desired resolution will right Bank of Americas wrong.

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 2019-07-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
On XX/XX/XXXX we purchased furniture from XXXX XXXX in XXXX, Nv on a credit card interest free contract with TD Bank Retail Card Services. When i received the bill I noticed charges were more than the sale price. XXXX refused to do anything about it. So, rather than fight with them I took the balance due, divided by the months that I had to pay off before interest would be accrued less one month to insure it would be paid off by due date. That came to {$75.00} a month as of statement balance on XXXX of {$1500.00}. Due date to pay off before interest accrued is XX/XX/XXXX. I set up auto payments with my bank to pay on second wednesday of every month to insure that payment would be received before the XXXX due date on statement. I received a letter from TD retail card services informing me that I owed XXXX more on my next payment plus {$83.00} minimum payment. I called them and they said because my payment was XXXX short of the {$83.00} required each month they charged me XXXX fee. The rep did say that it wasn't a late fee because they did receive my payment on time. The fee was because my payment was short by {$8.00}. They charged me this fee for two months. The rep was very rude and would not reverse the charges and she then said that they required XXXX a month. By requiring this amount of payment they are actually shortening my contract by three months!! Statement balance without fees as of This is fraud at its best. Instead of my contract having a due date of XX/XX/XXXX they are collecting to pay off contract by XX/XX/XXXX. This is a breach of contract!!! How can they be allowed to do such illegal practices? Because you are a government entitiy, I hope you will look into this matter. This is illegally changing a contract to their likings and advantage. This is criminal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-03 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 have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 


XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2019-07-03 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 have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 


XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXXXXXX

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 2019-07-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
My husband and I traveled on a XXXX XXXX cruise in XX/XX/2018. Based on a program offering 12 months of no interest, we purchased two fairly expensive watches from XXXX XXXX, a company based in New York. We were informed that as long as we made 12 equal payments on time no interest would be charged. I made every single payment on time as agreed. My last payment was made in XXXX and was only {$26.00} because we had paid so much down already. I was shocked to receive a bill in the mail for all interest that would've been due had I not made any payments. I called XXXX on XX/XX/XXXX, the day I receive the bill to figure out why I am being charged. They basically explained that even though the last payment of {$26.00} was not due until several days after it was received ( I paid it before the due date ), the 12 months no interest program expired a few days before the payment was actually due. So basically I got charged over {$570.00} for a {$26.00} final payment that was paid early. I have excellent credit and strive to always pay my bills on time. I have never filed a complaint or had an issue with a 12 month no interest arrangement. This was extremely deceptive. Even the representative I spoke to thought it was unfair, but there was nothing he could do. 

Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
There were a number of issues with this credit card and the charges, but the current problem is this charge off by capital one card # XXXX was in XX/XX/2011 and the charge off still appears on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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 have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Navient, whom I don't know, have called many of my neighbors, who I barely know, asking them for contact information on me because they are trying to collect on a student loan. They leave the phone number XXXX for m neighbors to call them back with this information. 

They are basically telling strangers about my business that is none of their business. My student loans were never with a company called Navient.

Company response to consumer: Closed with explanation