vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
I have contacted Exeter Finance LLC about the bill ariving after the due date. 
Some times as much as 15 days late and get told tuff luck pay the bill and penalty. 
They are rude and threatining about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
1. A Hard Inquiry occurred on my credit report without my permission.

2. I did not authorize anyone employed by XXXX XXXX XXXX XXXX ( " XXXX XXXX '' ) to make any inquiry to view my Experian credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

3. In a letter dated XX/XX/XXXX, I requested documentation bearing my signature, authorizing the inquiry. This letter is attached. 

4. I mailed the letter Certified Mail to the address for XXXX XXXX  listed on my credit report. It was returned undeliverable as addressed. It is attached. 

5. Thus, XXXX XXXX is reporting inaccurate data because they are reporting a false address on my Experian credit report. 

6. The inquiry being reported by XXXX XXXX  should be removed immediately.

7. I am also attaching the inquiry pages of my Experian credit profiles dated XX/XX/XXXX and XX/XX/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 2019-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The DeGrasse Law Firm, P.C.
State: TX

Complaint narrative:
Someone from this company has called me several times after being told to stop calling. The person then began to use abusive language and call me names that was uncalled for. I'm not a XXXX, XXXX, XXXX, or a XXXX. 
This company calls every day. This has stop. The person has even threatened to come to my home. I am in fear for my safety and have alerted my local police.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I contacted XXXX in regards to two 30 day late payments that were reported on my credit report. I was, in fact not 30 days late. I received a form letter from XXXX that indicated that they ( XXXX ) report any payment made after the 29th day - which the letter continues to state is the " industry standard ''. I have tried to no avail to get this information corrected, when in fact the payments posted prior to the 31st day. I have submitted disputes through the credit bureau and company directly to no avail. 

I also pulled the contract that I signed and the previous statements. At no time does XXXX indicate or disclose that or notify any customer that they report any payment made after 30 days which in their opinion is industry standards. 

I need assistance to obtain resolution.

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 2019-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I attempted to send a XXXX payment to my sister for {$290.00} though my online banking account with Chase, something I have done numerous times before, though not to this particular recipient. The next day I checked my email and had a message from Chase saying there was an important message regarding my transfer, which had been cancelled, and that I should login to my online account to read the details in my Message Center. Upon trying to log in, I received a screen telling me my online access had been blocked, due to " suspicious activity '' on my account. I called the number and after speaking with the customer service agent I was told the only way to unblock my online access was to go to a Chase branch in person and present my ID. The problem being I am XXXX overseas, serving in the XXXX XXXX XXXX and unable to appear in person. I was not offered any other means of authentication. I requested escalation several times and eventually spoke with the Executive office and filed a complaint. This resulted in a case being opened and assigned to an " investigator '' who was supposed to help identify other means for me to verify my account. I offered to send notarized IS 's plus a notarized letter from the Ambassador and was told no, that would not be accepted. I offered to go to XXXX, the only U bank here in XXXX for verification and was again told no. I was literally given no options for verification other than the in-person at a branch option. I called back the next day, and continued to be told the only way to unlock my access would be to come into a branch in person. I can only access my bank account online here in XXXX, so without access I am unable to pay my bills, transfer money to my children, verify my deposits and transactions, etc. It was absurd that the bank would not prove another means of verifying myself, other than to come into a branch physically myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: PA

Complaint narrative:
everything started since XXXX of XXXX the lender sent me a reimbursement check of my account = prepaid credit which occupied for one year the check was XXXX dollars, at the time of sending it I had just moved to the city of XXXX and I communicated them to make the change and thus canceled that check, unfortunately the check was stolen and deposited by an unknown person, for 5 months I was under an investigation of this bank accusing me of having taken the check and I sent all the evidence they needed and letting know that never received it, at the time of making the chance of my address with an agent the bank system do not keep my address correctly as they explained to me and generated an erroneous address causing now to be a victim of identity theft, in XXXX of XXXX finally after 5 months they arrive at the end of their investigation and they determine that I do not change or receive that check and they make my refund and increase credit to XXXX dollars something that I found good but resulted in a nightmare because now they made a change to my last name which resulted in another research and request the person who communicated with me was a person in English that although I defend my English It is my native language and I demanded that I should send a specific document that could not be another that should be that or that otherwise closed my account to what I had to access and this is very traumatic for me since after having me for months without any response and now do this and I communicate with them for a solution and it's like he does not care this is my last option I hope your help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Commonwealth finance posted debt on my credit report from a XXXX that in 2011. I did not receive a letter or documentation that i could make payments on this debt before in was placed on my credit. When I tried to dispute the debt through the credit bureau they posted another account on my credit report. 

The company is also not licensed to collect debt in the state of Florida

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After sending certified, return receipt letters on XX/XX/18 ( which were received on XX/XX/18 ), reporting that there were inaccuracies on my credit report from XXXX XXXX XXXX XXXX, account # : XXXX, claiming that I owe {$380.00}, I requested that I would like some type of verification bearing my signature to verify the debt. I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. 

Waiting over 30 days ( which is how long that is legally allowed to verify any disputes ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received verification of any kind, let alone any type of verification that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified, inaccurate item is still on my credit report, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided, I am seeking that this particular inaccurate claim is removed immediately. 

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.

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 2019-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I Have established a relationship with Santander bank with a checking account around 2013. I had my belongings which included my wallet stolen from me. All of my personal documents and Cards, Social, and ID was in my wallet. I filed a police report in addition to a dispute with Santander. I recently submitted a request to reopen the investigation with additional proof that I was a victim of identity theft. ( Police report, Affidavits were submitted ) I received a response from Santander stating that they would not honor my request. I am unable to open a bank account or move forward with any banking relationships. I am being victimized and do not feel as if the Banks are taking into consideration my situation and my rights.

I would like for this matter to be addressed. This is my final attempt to resolve this matter before i bring forth any legal action. I

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 2019-02-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Here I am back again regarding my account from Synchrony Bank. Again as the previous complaints my account was closed due to returned ACH payment. I again had to get another letter from XXXX XXXX   because the return again was not an error that I did it again was on the banks side. I am no longer a customer with XXXX XXXX because they have caused so much havoc in my life. But, I again forwarded this letter to Synchrony and they have done nothing with the letter except for telling me that the account was closed because the account was over the limit and the NSF payment. My account would not have been over the limit if the bank would not have returned the payment. I have paid the {$130.00} so the account is not over the limit.

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 2019-02-21 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: BMW Financial Services NA, LLC
State: NV

Complaint narrative:
I contacted BMW in regards to two 30 day late payments that were reported on my credit report. I was, in fact not 30 days late. I received a form letter from BMW that indicated that they ( BMW ) report any payment made after the 29th day - which the letter continues to state is the " industry standard ''. I have tried to no avail to get this information corrected, when in fact the payments posted prior to the 31st day. I have submitted disputes through the credit bureau and company directly to no avail.

I also pulled the contract that I signed and the previous statements. At no time does BMW indicate or disclose that or notify any customer that they report any payment made after 30 days which in their opinion is industry standards. 

I need assistance to obtain resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I contacted XXXX in regards to two 30 day late payments that were reported on my credit report. I was, in fact not 30 days late. I received a form letter from XXXX that indicated that they ( XXXX ) report any payment made after the 29th day - which the letter continues to state is the " industry standard ''. I have tried to no avail to get this information corrected, when in fact the payments posted prior to the 31st day. I have submitted disputes through the credit bureau and company directly to no avail. 

I also pulled the contract that I signed and the previous statements. At no time does XXXX indicate or disclose that or notify any customer that they report any payment made after 30 days which in their opinion is industry standards. 

I need assistance to obtain resolution.

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 2019-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Experian put a fraud notice on my credit report Ive tried for over 1 month to get it deleted! 
Experian make it so difficult to delete this unwanted message. The website never work when it comes to uploading documents! 
This unfair practice is put in place to force their brand and services on you! I deleted the fraud notice with the other 2 credit reporting agencies with no problem! Experian has cause me unnecessary problems with this unwanted reporting! Is there a way to launch a class act lawsuit? Im sure you get this complaint a lot!

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 2019-02-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian is Reporing a fraudulent loan from XXXX XXXX XXXX   account # XXXX. The account was blocked by Experian around the date of XX/XX/XXXX. Experian reinserted the information around the date of XX/XX/XXXX I still have not received paperwork informing me of reinsertion FCRA rules are a consumer must be informed of reinsertion with in five days its now XX/XX/XXXX and I still have not received paperwork of reinsertion. I know the item was reinserted because of credit monitoring service. Im seeking the help of the CFPB, FCRA, and my consumer attorney in the pursuit of relief from Experian for not only reinserting fraud on my report, that has a FTC   fraud report and attorney general report. But also for not informing me of reinsertion with in the 5 days given by law.

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 2019-02-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have never been to Texas. I have never used XXXX XXXX. I have no idea what this is about, and Experian didnt do anything about it.

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 2019-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
On XX/XX/2019, I have contacted Resurgent Capital about a debt from XXXX XXXX XXXX Account ending in XXXX. I have spoken to a representative in regards to the account. Previously, there was a dispute on the account, since all of the credit reports says LVNV funding, not Resurgent. The account has been through several companies, such as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. I have contacted Resurgent Capital. I have previously requested information in regards to the account, and to obtain a letter, prior to payment that the account will be satisfied and paid. Previously, I have asked for validation, such as a signed agreement and contract with them, but I have never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Our granddaughter XXXX XXXX XXXX contacted us this morning concerned about a withdrawal she had made from XXXX. This is college account we had opened for her. She thought she should have received yesterday, we received this morning at about XXXX. XXXX asked the check be deposited in her Wells Fargo account, XXXX XXXX XXXX XXXX, XXXX XXXX, CO. The check was made out to my husband XXXX, he signed it, made out a deposit slip with XXXX ' account number and presented it to the bank. He was told the bank could not accept third party checks. XXXX went to our XXXX XXXX and cashed the check. With cash, {$3900.00}, in hand he went back to Wells Fargo and was told they could not accept the cash without XXXX present because there was no history of the cash and there was no way to trace. Without argument he went to the college, met XXXX and paid the tuition. Not being happy, called Wells Fargo Customer Service, spoke with XXXX, ( XXXX XXXX ) I asked to speak with a manager, he said he would if I explained my concern. I told him and he said my husband was given the correct information. I are repeated my initial request. I was transferred to XXXX. XXXX explained it was a Federal reg which all banks have to follow. I asked for the req number so I could contact my Congressman. He put me on hold and told me he was incorrect it wasn't Federal by banking policy. I asked if he knew the reason as he had explained he was in the executive section of Wells Fargo. He didn't know. He did say the reason was probably due to fraud or counterfeit. I asked he transfer me to someone in a higher position. He said there was no one higher ( I believe he said this ). I stated there is always someone higher and he transferred me to XXXX ( XXXX XXXX ) I explained, she gave me generally the same answers. I asked if they suspected my husband of fraud or counterfeiting why weren't the police called. He had in had American money, not foreign from our bank. He was making a deposit into the bank, not taking any money out. He would have left any info. He was not a member of any carter or mafia. I find this utterly ridiculous. I asked for the person ( people ) who had made this policy. XXXX explained because of the banking mess ( my word, not hers ) several years ago banks made this decision. I still don't understand. She told me there isn't anyone I could speak with. So I asked for a banking commission or something. She told me of CFPB. Is there an answer why Wells Fargo or as I was told any bank not accepting cash for a deposit?

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 2019-02-22 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: CITIZENS FINANCIAL GROUP, INC.
State: TN

Complaint narrative:
I have vehicle loan with CitizensOne. The vehicle was traded on XX/XX/19. The dealership submitted a check for the 20 day payoff that they received from CitizensOne by phone. They sent that check on XX/XX/19 and confirmed via overnight tracking that it was received on XX/XX/19. CitizensOne also confirmed that they received this on XX/XX/19. They have been unable to accurately process the payoff. They took 11 days from the date received. To apply the payoff check and then assessed more interest. As a result the account will not close. I have called multiple times each week. Have a case open with their customer service department and if goes nowhere.

Company response to consumer: Closed with monetary relief