vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Auto Trakk, LLC
State: SC

Complaint narrative:
My payments are setup weekly, but I make the payments bi-weekly. In XX/XX/XXXX someone tried to steal my auto and because I have this disable device installed. The criminals damaged it and I had to get it replaced. With the older device when I was having trouble making the full payment I could install a code that would get me to my next payday. However, now since the new device has been installed, AutoTrakk is constantly disable my vehicle leaving me stranded along the highways. This past Thursday XX/XX/XXXX I made a payment of {$180.00} to cover the payment that was due. I also have full coverage on the vehicle as well, but because the deductible is suppose to be {$500.00} rather than {$1000.00} AutoTrakk disable my vehicle when was 50 miles from my home. I have had this vehicle almost 4 years and every year this coming is starting to get worst to deal with. After sitting in my car disable for 30 min, I was finally able to drive the vehicle home. I feel this is unfair to me, I pay on the vehicle and I get full coverage on it. So, why am I always having to deal with this company disabling the vehicle every time that feel like it over stupid issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 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: Credit Karma, LLC
State: TX

Complaint narrative:
Credit report from XXXX through Credit Karma shows a hard inquiry on XX/XX/2018, which I never did nor did I authorize other person to do. Creditor 's name is XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX. 

My credit score went down by 11/12 points. Please help as it's hard to dispute things using credit bureau 's websites.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 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:
I've recently checked my credit report for the first time ( in a while ), I have noticed an Inquiries section towards the bottom of the report. This is having an impact on my credit. 
These companies and or individuals made hard inquiries on my credit report that were not authorized by me. They have affect my credit score negatively. 
I checked my personal credit report, which I acquired from XXXX, XXXX and Equifax and I noticed an unauthorized inquiry had been made. 
I contacted XXXX XXXX, XXXX XXXX, EQUIFAX XXXX, XXXX, XXXX XXXX, XXXX/XXXX, XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX, XXXX/XXXX, XXXX XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into all listed companies inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 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:
I've recently checked my credit report for the first time ( in a while ), I have noticed an Inquiries section towards the bottom of the report. This is having an impact on my credit. 
These companies and or individuals made hard inquiries on my credit report that were not authorized by me. They have affect my credit score negatively. 
I checked my personal credit report, which I acquired from XXXX, Experian and XXXX and I noticed an unauthorized inquiry had been made. 
I contacted XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX/XXXX, XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into all listed companies inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in 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 2018-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Conn's, Inc.
State: TX

Complaint narrative:
they keep putting the account under another company name once i dispute it with the credit bureau. It shows that this account has never been late then when i look under the collections department it shows up as a bad account. 

Company name is : XXXX XXXX XXXX : XXXX XXXX {$3000.00} Opened account date:XX/XX/XXXX never paid late Last payment date :XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX purchased 4 defaulted credit card accounts in XX/XX/XXXX or XX/XX/XXXX that were defaulted and written off in XX/XX/XXXX. They have sued me repeatedly for $ XXXX in court over these old accounts and now falsely damaging my credit with false information show the open dates as XX/XX/XXXX which is incorrect. I went in default in XX/XX/XXXX during a custody battle over my grand kids in my custody through XXXX. I am divorced and in college trying to rebuild my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 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:
Credit report from TransUnion through XXXX XXXX shows a hard inquiry on XX/XX/2018, which I never did nor did I authorize other person to do. Creditor 's name is XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX. 

My credit score went down by 11/12 points. Please help as it's hard to dispute things using credit bureau 's websites.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 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: TX

Complaint narrative:
Credit report from XXXX through XXXX XXXX shows a hard inquiry on XX/XX/2018, which I never did nor did I authorize other person to do. Creditor 's name is XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX. 

My credit score went down by 11/12 points. Please help as it's hard to dispute things using credit bureau 's websites.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NH

Complaint narrative:
I have a personal loan with One Main Financial. My probelm is repeated phone calls and mail about my account. i have attempted to clarify the terms of my loan to no avail. My due date is the XX/XX/XXXX of the month, my grace period before late charges kick in is 10 days. While my payday is the XX/XX/XXXX usually, I don't mail my payment until that date. which allows 6 days for the payment to reach them. My problem is I begin receiving phone call and mail correspondence the day after my due date of the XX/XX/XXXX. Currently on my phone I have saved over 40 phone calls in 60 days and 28 pieces of mail in just over 30 days. All this is going on while I am traveling everyday to take my wife to XXXX XXXX. My question is do I have any options legally in this matter..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX XXXX purchased 4 defaulted credit card accounts in XX/XX/XXXX or XX/XX/XXXX that were defaulted and written off in XX/XX/XXXX. They have sued me repeatedly for $ XXXX in court over these old accounts and now falsely damaging my credit with false information show the open dates as XX/XX/XXXX which is incorrect. I went in default in XX/XX/XXXX during a custody battle over my grand kids in my custody through CPS. I am divorced and in XXXX   trying to rebuild my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: LA

Complaint narrative:
On multiple occasions I contacted netspend about activating a prepaid card I had purchased and on the 2nd day when the customer service hours were activated I spoke with multiple rep 's and managers and was made aware of another card that had been activated without my consent. During these phone calls I told the representatives that I had active at this time fraud alerts on all my information and public reports and why didnt they follow such guidelines laid out in the reports or contact myself on the phone number placed in the alert. I was given no direct answer to these questions and when asked if I needed to send a fraud affidavit over I was told no no no and no until the 4th day on a Saturday that I needed to. I had spoken with a manager the night before who stated she submitted a request and it wouild be processed on Saturday the next day to unlock the card and once again no, no fraud affadavit would be needed. Saturday came and I spoke with XXXX who stated there was nothing anyone at that time could do and she would be submitted a fraud claim against the other card that was preventing this one from being activated. I asked why couldn't I activate this one without any online features and she stated once again no, I wanted to do this so atleast I could have availability to the funds. XXXX was of no help and offfered no solution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Accelerated Financial Solutions, LLC
State: TX

Complaint narrative:
they keep putting the account under another company name once i dispute it with the credit bureau. It shows that this account has never been late then when i look under the collections department it shows up as a bad account. 

Company name is : XXXX 's XXXX : Accelerated Financial {$3000.00} Opened account date:XX/XX/XXXX never paid late Last payment date :XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Vehicle was turned in, on time, at lease end onXX/XX/XXXX. Vehicle passed inspection with flying colors, but excess mileage charge was never returned to me. Amount due to me is {$5400.00}! Called Ally Financial on three ( 3 ) different occasions to question why funds have not been returned, and on all three occasions I have been talking with foreigners who can not speak good, understandable English. It's not surprising that a caller is not asked to " Press one for English '', because apparently there is no one left at this business who speaks English clearly since XXXX XXXX sold the business. Both my wife and I have called and requested an English-speaking person without any success. We have collectively talked with seven ( 7 ) different individuals over the three ( 3 ) calls and still do not understand why our funds have not been returned to us. It is now over 4 and 1/2 months since we turned the vehicle into the dealership where we bought our new car! Ally Financial is using our funds to make interest at our expense and we demand immediate return of our funds, and they should include interest! My Ally account # is XXXX. We even had the dealership ( XXXX XXXX XXXX of XXXX  Michigan ) contact Ally, and they had no success in getting our funds returned either. We received a letter from Ally Financial datedXX/XX/XXXX indicating that our refund of {$5400.00} would be mailed under separate cover, but that was 53 days ago, and even the USPS service is not that slow! We have been told by our dealership personnel that the refund usually follows the letter within 7 days!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 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 — Problem with personal statement of dispute
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Greetings! Thank you for your assistance and time helping me correct the matters on this situation!

Earlier in this yearXX/XX/XXXX I sent off letters to a few companies stating that I owed them ... Its been a while I have taken notice of my credit however I am now taking action to make it better thanks to my close friend ... .These are items that are on my credit that are closed and in derogatory that I do not recognize and have not ever seen!

The letter stated that I was requesting verification of debt which they claim I owed in the form of my signature ... None of these companies done so.I am following the Law and am trying to handle this in a professional manner.

I made some mistakes in the past even married early but now I am a lot mature and learned from my younger days and am now taking responsibility to correct my past. I want to fix my credit that I may continue being a productive citizen and adding true value to society. I almost got an attorney to help me deal with this in court then I said let me wait a second to see what steps are out there from the Government that can help me.That is how I found out about your services CFPB.

I sent letters to maybe 7 companies and none of them provided within 30 days any proof of my signature. I also sent them a second grace letters asking them to please either provide my signature or to remove the debt reported by them per the law. That was on XX/XX/XXXXand have the proof of the certified letter receipts.

NOW its been about 75 plus days and I have yet to have them prove that the debt is mine per the law and am seeking your help to have each one of them remove this off of my credit report immediately!

They sent me letters saying that the debt was mine and they could prove it yet no one did!

Everything I did was certified mail These people are saying I owe without proof and breaking the law that I owe, {$680.00} along with {$720.00}, {$400.00} and {$430.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Diversified Consultants, Inc.
State: CO

Complaint narrative:
In XX/XX/XXXX I was trying to buy a home, I had been monitoring my credit by paying memberships to all three credit bureaus, after monitoring my credit for over a year and paying nearly {$100.00} a month to these agencies and knowing where I stood with my credit scores, I decided to end these memberships, literally days after I had completed this, a debt appeared on my credit report that I hadn't seen before.

and the only reason I knew it was there was because I had applied for a home loan and was told my score was at a XXXX which last I checked was at XXXX- XXXX between the 3 bureaus. when I pulled my credit report I found that DIVERSIFIED CONSULTANTS, XXXX XXXX XXXX XXXX, XXXX FLORIDA XXXX ( XXXX ) XXXX, had filed on all 3 bureaus stating that I owed a debt to XXXX XXXX for {$75.00}. also stating the account was opened XX/XX/XXXX. I only receive local tv from off-air antenna and have not had any tv services for over 7 years. I have NEVER been contacted in any way shape or form by this company. after numerous phone calls diversified and XXXX XXXX  it was established that there was no debt owed and eventually it was removed. unfortunately my credit score did not recover so quickly. now my credit score is barely getting close to where it was before the first false claim, and they have once again submitted their false claim this time for {$65.00} on all 3 bureaus. this is a non existent debt and they are trying to extort money out of me by sabotaging my credit in order to get me to pay for a debt I do not owe. My home can not even receive satellite signal due to line of site issues so there would be no way I would even have able to subscribe to their service in order to owe XXXX XXXX anything.

This has to be illegal. I ask that that the CFPB assist me in having this company cease and desist immediately on these false and fraudulent debt. I have done other research and have found that I am not the only one this company has done this to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-14 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: CA

Complaint narrative:
In XX/XX/XXXX Navient began misapplying my overpayments. I began receiving notices that my account was past due. When I logged on to the website I showed a {$0.00} balance. I called the company inXX/XX/XXXX they told me they needed to contact another department but the problem would be resolved. In XX/XX/XXXX I made another overpayment. TheXX/XX/XXXX balance due for several accounts was {$0.00}. I made a payment for XX/XX/XXXX, including a payment on the {$0.00} accounts to avoid past due notices. In XX/XX/XXXX the website again showed {$0.00} balance. I made a payment, including a large overpayment. A few days later I checked my balances online and saw three or four of the loans were past due. On XX/XX/XXXX I sent an email to Navient. I called on XX/XX/XXXX a representative " reset '' the due date counter. This eliminated the past due balance. I was told if I want to make an overpayment I need to make two separate payments. This is annoying, but fine, I will do this. However, my most recent statement, received onXX/XX/XXXXnow shows a due date of XX/XX/XXXX My loan due date was advanced one month when the representative on XX/XX/XXXX reset the counters.

I have called and emailed to resolve these problems. I am accruing extra interest because Navient can not properly apply my payments. This is frustrating and I want my account corrected. I would like to be able to make overpayments so I can try to pay more on my loans but Navient is making it nearly impossible. If they have it their way I will be paying these loans until I die.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Beginning XX/XX/XXXX, I started contacting XXXX and XXXX XXXX about the credit card THEY HAD ISSUED BASED ON A PURCHASE. 

I have contacted via email, phone AND USPS ASKING FOR A DETAILED STATEMENT. 

I've been told verbally that one is being sent but I HAVE NEVER RECEIVED IT. 

On XX/XX/XXXX, a " XXXX '' called and left a very threatening message about the account. I called her back and noted that I had neither received a card OR a statement so I was not making a payment on anything. 

Purchases totaling LESS THAN {$600.00} ARE NOW totaling {$1800.00}! 

XX/XX/XXXX, I received another call threatening with ESCALATION IF I did not call and make a payment immediately. the calls state that I am being " warned that escalation will occur if I do not call by XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revenue Assurance Professionals LLC
State: MS

Complaint narrative:
My credit have been drastically affected by a debt that I am not responsible for. Received a letter XX/XX/XXXX stating I had a balance. In XX/XX/XXXX I notified them of a court order where I was only responsible for 50 percent of the kids medical bills and any bills occurred during marriage They still continued to contact me constantly. I was never notified of pending balance before collections. I requested validation and they sent another bill and failed to follow FDCPA laws I paid over half of the bill to XXXX which I was not responsible for while waiting validation. XX/XX/XXXX I received another collection bill addressed now to my ex husband who is responsible and I sent info on how o contact him for this bill he is responsible for. This is now unfair harassment, failure to follow court order, failure to follow FDCPA.

Company response to consumer: Closed with explanation