vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have made disputes to Equifax to delete medical collection accounts that are displaying medical information in the original creditor name on the credit reports where the data furnishers refused to protect my private medical information. My private medical information has been compromised. The law under the Fair Credit Reporting Act, specifically the Fair and Accurate Credit Transactions Act Section 412 ( amendment to FCRA ) indicates that this information should be protected. Before all the disputes I had a 3rd party access my credit report and they started reading me medical collections and I was hurt by this and asked them to stop as it reminded me of the bad medical situations. Additionally, I felt hurt that 3rd parties could see this. This brought me to research why it's legal for this to be on the report in this way. Turns out that it isn't legal per the above mentioned laws. I have had no cooperation from the collection agencies and made multiple disputes with Equifax, including an XX/XX/XXXX dispute through the CFPB about Equifax not exercising oversight over the collection agencies regarding protecting medical information. The data furnishers ( collection agencies ) have refused to protect my private medical information and have compromised my medical information. The medial collection accounts are currently as of the day of this report, displaying what should be protected medical information, therefore are continuing to compromise my medical information per the above mentioned laws and refuse after repeated disputes to correct this alleged illegality. Previously a dispute was made through the CFPB on XX/XX/XXXX. These collection agencies ( data furnishers ) received a copy of that CFPB report via the Equifax XX/XX/XXXX dispute investigation. Equifax confirmed to me that the CFPB report was attached to the dispute that sent to each data furnisher. Sadly, they responded to Equifax by only verifying the status and balance and did not respond at all to the issue of medical privacy that was very detailed in my CFPB report. I have spoken to collection agencies on the phone and was disrespected and was given the impression that all that mattered was what they say I owe and otherwise they seem have indicated that nothing else matters, including the privacy of my medical information. 

Equifax has indicated as a result of the XX/XX/XXXX dispute through the CFPB that they require the data furnishers to certify that they have complied with the law regarding dispute results. Otherwise I received no indication from Equifax that the medical information that has been compromised and continues to be will be protected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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: MO

Complaint narrative:
I have tried to get Transunion to remove these unauthorized inquiries from my credit file. They sent back something saying they will not be removed? I did NOT give permission or purpose for these three places  to Hard Pull my Credit. 

XXXX XX/XX/2019 XXXX  XX/XX/2019 XXXX XXXX XX/XX/2019

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 2019-10-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: OR

Complaint narrative:
I have a direct Express card which had my Social Security benefits on it and I lost my wallet with the card in it. Fraudulent purchases were made after I reported the loss to the police and I began the fraud investigation process with them inXX/XX/XXXX. I filled out and returned the paperwork via fax on XX/XX/XXXX, and again on XX/XX/XXXX. No one ever responded to me and I had to sit on hold for hours literally to talk to a real person. Once I got a real person but he put me on hold and the call was disconnected. I have followed up via fax in XXXX and XXXX of this year and again received no response. I reported Direct Express to the XXXX  and they told me that because Direct Express is affiliated with a government agency, they could not help me. I have made it this far without my money but I want justice. They are taking people 's money and there is no easy way to contact them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Creditor's Collection Service, Inc.
State: VA

Complaint narrative:
XX/XX/2017 XXXX XXXX XXXX XXXX and XXXX XXXX Dollars. I did not receive a bill regarding this payment. I was approved for financial assistance and I thought that was it. If I would have known about this bill I would have paid it being that this is the only derogatory mark on my credit history. If I pay in full could you PLEASE remove this derogatory mark. I honestly didnt know about this.

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 2019-10-03 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: APEX Asset Management, LLC
State: NJ

Complaint narrative:
The account has been paid in full. 
And is not being updated. It shows as a collection item.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/2019 I woke up and found that my account was at a balance of almost zero when I should have been about {$200.00}. I then saw two unauthorized transactions posted to my account. These were ach debits to which I immediately found the form for the unauthorized debits to report them to Navy Federal Credit Union and shortly after submitting one form per a transaction called the representatives to confirm this form was received. Between now and then, I have called 20 times, been give several different stories, been very rudely spoken to, and forced to deal with an issue I did everything to resolve on my end. I was told I would have both transactions reversed within 2-3 business days of reporting the false charges to which would have been the first day on the first and today would be the 3rd and final day per their policies. Today I have not received one of the two transactions that I was told would be reversed by their policy of process. As a final attempt I called to which Im being told they cant tell me much but to call tomorrow to which I find this absolutely ridiculous. Its hard enough having low funds due to unauthorized transactions but to have to track down the people who are supposed to be fixing it is irritably unprofessionally and against their own policies. I expected both to be processed no later than today but out of no where they can not find one of the two forms I submitted? This is more than stressful and I have attempted to get a straight answer for the last 72hours with no break throughs. This facility time and time again had shown that stealing is more important than protecting finances with their customer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
In XX/XX/XXXX, I provided Freedom Mortgage Company notice that, as a military XXXX, I was being called to XXXX XXXX. I began several consecutive periods of XXXX XXXX service in late XX/XX/XXXX, and I am still on XXXX XXXX orders into XX/XX/XXXX. 
I provide copies of my XXXX XXXX orders to Freedom Mortgage in mid-XXXX and requested protection under the SCRA and pursuant to the California Military Families Financial Relief Act ( CMFFRA ), California Military and Veterans Code 800. 
I provided a formal written request to defer my mortgage obligation for the 180 days under the CMFFRA unless Freedom Mortgage was willing to defer my financial obligation for the duration of my military duty ( through XX/XX/XXXX ). 
In XXXX or XX/XX/XXXX, they acknowledged receipt of my orders but did not timely respond to me request for deferment. 
Since this complaint covers over a year of time, I will try to summarize. 
On or around XXXX of XXXX, I was told that my deferment request would be granted. 
On or around XX/XX/XXXX, I was told over the phone that Freedom Mortgage would grant my  deferment through XX/XX/XXXX, or for a full 12 months, I just had to provide a copy of my orders, which I already had done. 
Per the CMFFRA, I was to pay my monthly impound account, while my principal and interest would be deferred, and the length of my mortgage would be extend by the length of the deferment once the deferment period ended. 
I paid my impound account for the past year in good faith. 
Despite this, over the past year plus, Freedom Mortgage has repeatedly submitted detrimental credit reports to the credit agencies, charged fines on my account, charged other fees on my account, sent correspondence saying I am past due, sent correspondence saying I am in default, harassed me when I called in to inquire on the status of my requests, etc. 
Today, XX/XX/XXXX, since the understood deferment was scheduled to end on XX/XX/XXXX, I called Freedom Mortgage to make a full normal mortgage payment. They refused to take my payment and said I was due for the full amount of the past year 's mortgage payments. 
I believe Freedom Mortgage 's actions are in bad faith, violate the CMFFRA, as well as the SCRA. I  request they either : extend my loan by the 12 months as previously agreed, and bring my account current, and remove all fines and fees, and remove any and all adverse credit reports from the credit reporting agencies ; OR, forgive my loan. 
I have paid each month 's impound account as agreed, and tried to resume full payments in a timely manner as anticipated ; it shouldn't be this hard to pay a mortgage. Freedom Mortgage should not be acting in bad faith when servicing the mortgages of service members who have other more pressing concerns on their plates.

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 2019-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
I called Santander Consumer USA Inc. to get payoff quote XXXX XXXX. The company representative XXXX gave a payoff quote figure XXXX. She said the figure was good until XXXX XXXX. 
Accordingly my uncle XXXX XXXX obtained a bank check for the exact amount and sent it via XXXX to the address XXXX provided. 
The check was received but by telephone the company now says that a further {$380.00} is due to extinguish the loan. They do not dispute that they provided a payoff amount of {$11000.00}, but say that figure was not complete. 
Having taken time from work on a weekday to obtain a bank check and gone to the expense of shipping it via XXXX, {$34.00}, I object to having to pay a further sum over and above the payoff quote I relied on from Santander 's representative. 
Santander should honor the quote they provided. 
Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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: MO

Complaint narrative:
There are three Inquiries on my Experian Credit File that I DID NOT authorize or give permissible purpose to do a Hard Inquiry on my Credit. 

XXXX XX/XX/XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX/ XXXX XX/XX/2019 I have sent letter but nothing has changed in over 30 days. I do not not know how they can say something is " Verified '' when I did not sign for it or give permission to pull my Credit to any of these three sources. I have been a victim of Identity Theft in the past and I imagine this is where these Inquiries are coming from again.

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 2019-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: AZ

Complaint narrative:
My loan was paid in full on XX/XX/2019. An additional payment was deducted from my checking account in the amount of {$1800.00} on XX/XX/2019. As of today, XX/XX/2019, I have not had a refund issued for my overpayment. I have tried calling several times, and each time the service advisor gives me a different answer on how long it will be until I get my money back. Now, they are saying it could be up to 60 days. I just want my overpayment refunded.

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 2019-10-03 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: STATE FARM BANK, FSB
State: CA

Complaint narrative:
Hi, 3-4 years ago I had a credit card with State Farm and I recently checked my credit score and I saw something negative report on it from them. I called State Farm on XX/XX/19. For an hour I spoke to 9 different reps. going back and forth trying to resolve this issue. After providing my social and all info required for an account they had said that there was no file and account there with my name/ info on it. Therefore, this information is incorrect and needs to be removed from my credit report. It is is hurting my credit and prohibiting me from getting funding for my business. I tried to work with them to get this resolved, but no one could help. I need this information taken off of my report as soon as possible. I've done everything in my power and don't know what to do at this point. I'm very disappointed in the disorganization of state farm and this has been quite a frustrating experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I opened a Cashwise Visa Signature card with Wells Fargo Bank in XXXX of XXXX. I was assigned a credit limit of {$7200.00}. I made one charge of {$610.00} in XXXX of XXXX and have been paying on time ever since. I just received a letter from Wells Fargo in the mail on XX/XX/XXXX and much to my surprise they lowered my credit line from {$7200.00} to {$700.00}. The letter indicated my credit line was lowered as I did not have a Wells Fargo Checking or Savings account or any other line of business that they offer. I called their customer service line and they apologized for what was happening but made no effort to save me as a customer. I have had Auto and Home loans since XXXX and a Platinum Visa since XXXX. If they are trying to rebrand their image they have failed.

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 2019-10-03 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: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION 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 non-monetary relief
Consumer complaint received 2019-10-03 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: MO

Complaint narrative:
There are two Hard Inquiries on my Equifax Credit File that I did NOT give permissible purpose to pull as required by law. 
XXXX XXXX on XX/XX/2019 and XXXX XXXX XXXX XX/XX/2019. I have been a victim of Identity Theft in the past and I imagine this is where the XXXX XXXX inquire came from and the XXXX XXXX XXXX was never approved by me to do a Hard Pull. I have had accounts with them in the past. They should have done a soft pull only if they needed to service an account or look into my credit file again. I did not agree or approve this Inquire. 

Also my name is XXXX XXXX XXXX I have requested that they correct it also. They keep reporting XXXX XXXX and leaving out my middle name. This has caused problems in me obtaining the correct score in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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: Navient Solutions, LLC.
State: CT

Complaint narrative:
My student loans were in default. I entered into a payment plan with Pioneer Credit Recovery. I have been faithfully making monthly payments of {$33.00}. Now my loans are out of default. I received a letter from XXXX, the Student Loan Servicer with the Department of Education. XXXX says I owe {$33.00} a month and that I am behind by {$33.00}. Pioneer is still taking {$33.00} out of my checking account and is not forwarding the {$33.00} payment to XXXX. I would like Pioneer to forward the {$33.00} monthly payments that I have been making to them and give the money to XXXX. I spoke with XXXX at XXXX and was told that Pioneer did not send the {$33.00} monthly payments to XXXX. I can be reached at XXXX. XXXX says they have not been receiving my {$33.00} payments from Pioneer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION 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 2019-10-03 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: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
TransUnion has two addresses on my credit report that have never been mine. 
XXXX XXXX XXXX XXXX XXXX MO XXXX and XXXX XXXX XXXX XXXX   XXXX MO XXXX. I have never lived or owned either of these addresses. They are also showing two accounts that were 30 days late in the past. Both of these accounts were paid through auto bank draft before they were ever late. XXXX XXXX**** is showing a 30 day late in XX/XX/XXXX and XXXX/XXXX is showing a 30 day late in XX/XX/XXXX. I have tried to resolve with letters but they are still reporting incorrect.

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 2019-10-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
data breach we would like the company to check into with capital one and XXXX  caused FTC or fcra violation not know to us to the best of our knowledge XXXX repo 4 debt collection doing unfair trade practice collection on a debt not owed to them all violation of the fcra

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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: IN

Complaint narrative:
I have trying to resolve the matters with multiple inquiries and accounts that hit my account a couple of months ago. Equifax is slowly dragging their feet with three accounts : 1 ). XXXX XXXX ( {$1500.00} ) Charge Account, I reached out to this company on  multiple occasions, they did eventually close the account in XXXX, but not before having multiple unpleasant conversations with them, given the run around and to top it off, they added of late payments to my credit file. I am in Indiana, They are located in XXXX, Texas, with 1.2 stars and a D+ grade with the XXXX ; I have never heard of this company. 

2 ). XXXX XXXX {$500.00}. I have also disputed this item as well. They are reporting this account as late on my credit report. 

3.XXXX XXXX {$500.00}. This account keeps going from negative to positive. I have no clue as to what is going on. I will not be bullied into keeping and paying for theses two measley accounts that I never applied for. 

I am not sure if I am my name has merged with someone else 's. I did see on my credit file that my name was misspelled as XXXX XXXX. My name is spelled XXXX. 

Other than this issue. I am just waiting for XXXX  to remove inquiries and Equifax to fix the issue with these accounts and inquiries.

Company response to consumer: Closed with explanation