vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2019, I stopped by XXXX XXXX ( XXXX, XXXX, XXXX ) XXXX. I test drove a car and the sales rep was being very pushy about working numbers out even though I told him I was just looking around at several dealerships. Since they were about to close, he asked me to fill out the top of a form for his supervisor to show me some numbers without running my credit score and that he would call me back on Monday. 10 minutes after I left the dealership XXXX  notified me XXXX/XXXX XXXX XXXX had added an inquiry to my report. On the morning of Monday, XX/XX/2019, six more inquiries were added to my report from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Later that day the sales rep called me to inform me I was approved for a loan of {$20000.00} and I confronted him about all the reports, and all he said was that in order to show me accurate financing numbers his supervisor had to run my report ( even though I had not authorized it ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Lending Services LLC
State: TX

Complaint narrative:
On XX/XX/2019, I stopped by XXXX XXXX ( XXXX, XXXX, XXXX  ) Dealership. I test drove a car and the sales rep was being very pushy about working numbers out even though I told him I was just looking around at several dealerships. Since they were about to close, he asked me to fill out the top of a form for his supervisor to show me some numbers without running my credit score and that he would call me back on Monday. 10 minutes after I left the dealership XXXX  notified me XXXX/XXXX  XXXX XXXX had added an inquiry to my report. On the morning of Monday, XX/XX/2019, six more inquiries were added to my report from XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX, GLOBAL LENDING SERVICES, and XXXX XXXX XXXX. Later that day the sales rep called me to inform me I was approved for a loan of {$20000.00} and I confronted him about all the reports, and all he said was that in order to show me accurate financing numbers his supervisor had to run my report ( even though I had not authorized it ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
On XX/XX/2019, I stopped by XXXX XXXX XXXX Chrysler, XXXX, XXXX XXXX Dealership. I test drove a car and the sales rep was being very pushy about working numbers out even though I told him I was just looking around at several dealerships. Since they were about to close, he asked me to fill out the top of a form for his supervisor to show me some numbers without running my credit score and that he would call me back on Monday. 10 minutes after I left the dealership XXXX  notified me XXXX XXXX 2 had added an inquiry to my report. On the morning of XXXX, XX/XX/2019, six more inquiries were added to my report from CHRYSLER CAPITAL, XXXX XXXX XXXX ACCT XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Later that day the sales rep called me to inform me I was approved for a loan of {$20000.00} and I confronted him about all the reports, and all he said was that in order to show me accurate financing numbers his supervisor had to run my report ( even though I had not authorized it ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
2 parts. 

The wrong amount is and was tried to be collected. I was awarded charity for my medical bills. Originally cmre was attempting to collect 2700+. Now they are saying 700+. The agent struggled trying to explain to me how a 90 % discount from the 2700+ is $ 700+.  At most it should have been {$280.00}. At most. 

The 2nd part is collections are not supposed to be on the credit report until after 180 days that it is delinquent. I was discharged from the hospital XX/XX/XXXX from my 1st XXXX. My credit was hit by cmre starting in XX/XX/XXXX for the bills and at the incorrect and intimidating amounts. That was not 180 days. 

The 2nd hospital stay for the other XXXX was XX/XX/XXXX. The 180 days would have been XX/XX/XXXX. I see this on my credit as of XX/XX/XXXX. 

I would like to have this removed as this is a ball of who shot XXXX. Also remove all personal information from your databases.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FC HoldCo LLC
State: TX

Complaint narrative:
On XX/XX/2019, I stopped by XXXX XXXX ( XXXX, XXXX, XXXX ) Dealership. I test drove a car and the sales rep was being very pushy about working numbers out even though I told him I was just looking around at several dealerships. Since they were about to close, he asked me to fill out the top of a form for his supervisor to show me some numbers without running my credit score and that he would call me back on Monday. 10 minutes after I left the dealership XXXX notified me XXXX XXXX 2 had added an inquiry to my report. On the morning of XXXX, XX/XX/2019, six more inquiries were added to my report from XXXX XXXX NEW ACCT XXXX., XXXX XXXX FLAGSHIP CREDIT ACE., and others. Later that day the sales rep called me to inform me I was approved for a loan of {$20000.00} and I confronted him about all the reports, and all he said was that in order to show me accurate financing numbers his supervisor had to run my report ( even though I had not authorized 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 2019-07-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: AL

Complaint narrative:
Last week I sent you a complaint about the way Mr. Cooper is handling my loan with conflicting information. They responded to you with a letter apologizing for giving conflicting information, followed by claiming they did no wrong. 
They stated that the payoff is due. They also stated the reason it was due was that once remaining interest bearing balance was paid the remaining non interest bearing amount becomes due. 
On XX/XX/XXXX Mr. Cooper received the amount of the interest bearing balance, plus escrow as stated on the statement which I previously sent you. However, for some reason, THEY HAVE REFUSED TO APPLY THIS MONEY TO THE ACCOUNT ( please see payment ledger ). 
Today, XX/XX/XXXX, I found on my account a letter dated XX/XX/XXXX ( I believe they promised this by XX/XX/XXXX ) with the payoff quote. It also showed that the interest bearing amount would be charged interest until the payoff was received. I found this accidentally, I assume they mailed it yesterday and I should receive it by XX/XX/XXXX, it states I must pay it by the XXXX by Certified check or wire transfer for the payoff to be valid. 
This is not an issue of the amount of interest they will be charging, that is negligible. These people sent me a check for XXXX cents recently. I haven't cashed it. I will use it to show how fouled up these people are. 
I don't know why the money I sent them is not being applied but it concerns me, once again, if these people have a clue as to what they are doing. 
I would still like to know how they can demand the payoff, which is due when the interest bearing amount has been paid, when they refuse to apply the money already sent to them to the account to pay off the interest bearing amount of {$80.00}. 
I have sent the {$270.00} which they have not applied. They are now demanding {$6000.00} by the XXXX, that letter I assume will arrive, as I said, by the XXXX. 
I just want to make sure that Mr. Cooper will properly apply the money sent and refund my balance immediately. I no longer trust Mr. Cooper to handle this properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XX/XX/2019, I stopped by XXXX XXXX ( XXXX, XXXX, XXXX ) Dealership. I test drove a car and the sales rep was being very pushy about working numbers out even though I told him I was just looking around at several dealerships. Since they were about to close, he asked me to fill out the top of a form for his supervisor to show me some numbers without running my credit score and that he would call me back on Monday. 10 minutes after I left the dealership XXXX notified me XXXX XXXX 2 had added an inquiry to my report. On the morning of Monday, XX/XX/2019, six more inquiries were added to my report from XXXX XXXX XXXX XXXX XXXX., XXXX XXXX, XXXX XXXX XXXX, and others. Later that day the sales rep called me to inform me I was approved for a loan of {$20000.00} and I confronted him about all the reports, and all he said was that in order to show me accurate financing numbers his supervisor had to run my report ( even though I had not authorized 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 2019-07-02 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: TX

Complaint narrative:
I've disputed the following accounts due to many facts but more specifically the accounts belong to someone, one inwhom used my identity without my knowledge nor consent. These accounts must not have been properly investigated by the 3 major credit bureaus but yet the 3 major credit bureaus constantly reporting these unauthorized accounts. Either bureau shall relay on electronic verification as proof. Either provide me with physical proven documentation or as my consumer rights I'm demanding that these accounts be blocked immediately. 

1 ) XXXX XXXX XXXX {$4000.00} 2 ) XXXX XXXX XXXX {$570.00} 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX {$85.00} 5 ) 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 2019-07-02 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:
I've disputed the following accounts due to many facts but more specifically the accounts belong to someone, one inwhom used my identity without my knowledge nor consent. These accounts must not have been properly investigated by the 3 major credit bureaus but yet the 3 major credit bureaus constantly reporting these unauthorized accounts. Either bureau shall relay on electronic verification as proof. Either provide me with physical proven documentation or as my consumer rights I'm demanding that these accounts be blocked immediately. 

1 ) XXXX XXXX XXXX {$4000.00} 2 ) XXXX XXXX XXXX {$570.00} 3 ) XXXX XXXX 4 ) Account XXXX XXXX {$85.00} 5 ) 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 2019-07-02 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: LA

Complaint narrative:
I went to getthe free annual report Equifax and was unable to answer the security questions because I did not recognize any of the accounts. Think I am a victim of the Equifax breech. Please help me I can not do anything to see my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
the account DP OF EDUC XXXX is reported three times on my Equifax credit report. Same with DPEDXXXX XXXX. This is a total misunderstanding. I have a student loan which was granted DPEDXXXX XXXX. My loan holder granted forbearance, payments were reduced and it is not for collection. It shouldn't appear on my credit report in the first place because this is a government funded loan. Please remove it on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TX

Complaint narrative:
Privacy notice from Vanderbilt, XXXX, XXXX, properties, and XXXX using my personal information. The won't let me opt out after several attempts using their XXXX address not for them but some type of union? The phone number keep changing what I enter in as a number or hang up while inputting number. I attempted to opt out. Using my opt-out number. Several times. It said a different thing in what perceptually seemed to be trying to annoy me enough to quit. Phone XXXX does not allow a person to opt-out sharing your financial information in some fine print our government not protect us from, telling the world all our stuff without consent. You call using this opt out number yourself and see what I mean. 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 2019-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Smith Debnam Narron Drake Saintsing & Myers LLP
State: SC

Complaint narrative:
I XXXX XXXX along with my wife XXXX XXXX are in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, we are requesting very low settlements in the 20 % range of where our debts were at the last payment. Accordingly, we believe that we only have one chance at this, and if we do not start receiving settlement offers soon, we will retain the bankruptcy attorney we recently consulted. Therefore, we request letters of settlement, and we request the cease and desist from all calls to our home, cell and/or work. We desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: NV

Complaint narrative:
There are several accounts which appeared on my credit report without my knowledge. I did not open the accounts, I am not related to any transactions that were made on the accounts.. I asked Equifax where did they get this information but they just gave me a print out showing its verified. This is not enough justification that the accounts are mine.. There is no proof or a contract with my signature that I am the correct party responsible for the accounts. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX HOSPITAL )  XXXX , XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX HOSPITAL ) XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I XXXX XXXX along with my wife XXXX XXXX are in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, we are requesting very low settlements in the 20 % range of where our debts were at the last payment. Accordingly, we believe that we only have one chance at this, and if we do not start receiving settlement offers soon, we will retain the bankruptcy attorney we recently consulted. Therefore, we request letters of settlement, and we request the cease and desist from all calls to our home, cell and/or work. We desire to resolve these matters in written form only. 

Thank you for your consideration 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 explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Terrill Outsourcing Group
State: SC

Complaint narrative:
I XXXX XXXX along with my wife XXXX XXXX are in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, we are requesting very low settlements in the 20 % range of where our debts were at the last payment. Accordingly, we believe that we only have one chance at this, and if we do not start receiving settlement offers soon, we will retain the bankruptcy attorney we recently consulted. Therefore, we request letters of settlement, and we request the cease and desist from all calls to our home, cell and/or work. We desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My wife was using our chase card to do laundry. Considering I constantly deposit money in the account, I constantly check the account and noticed 2 fraudulent charges. One was from the same laundromat where my wife was, XXXX dollars. This is because she lost it there. Couple hours later another fraudulent charge in XXXX occurred, XXXX dollars. I called chase and made the claim. They reversed the funds. Now chase states the charges are valid and overdrew my account with these charges. I have never been to that XXXX nor have I ever in my life spent more than XXXX dollars at XXXX. Why would I? Wife and XXXX XXXX girls. We are also practically vegetarians, so we don't buy food like that. Chase does not care and I refuse to pay for charges I have not made. Im stuck in this situation because of XXXX and i have been left hing dry by chase. I will close my account with them for good the moment this is over.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: NV

Complaint narrative:
There are several accounts which appeared on my credit report without my knowledge. I did not open the accounts, I am not related to any transactions that were made on the accounts.. I asked XXXX where did they get this information but they just gave me a print out showing its verified. This is not enough justification that the accounts are mine.. There is no proof or a contract with my signature that I am the correct party responsible for the accounts. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX,  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX,  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 2019-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RAS LaVrar, LLC
State: SC

Complaint narrative:
I XXXX XXXX along with my wife XXXX XXXX are in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, we are requesting very low settlements in the 20 % range of where our debts were at the last payment. Accordingly, we believe that we only have one chance at this, and if we do not start receiving settlement offers soon, we will retain the bankruptcy attorney we recently consulted. Therefore, we request letters of settlement, and we request the cease and desist from all calls to our home, cell and/or work. We desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.

Company response to consumer: Closed with explanation