vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-08 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: First Technology Federal Credit Union
State: TX

Complaint narrative:
I have submitted information and spoke to managers @ XXXX  and they continue to deny or ignore my requests. They have failed to provide me with proof that XXXX XXXX XXXX is the person that authorized the inquiries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 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: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have submitted information and spoke to managers @ XXXX and they continue to deny or ignore my requests. They have failed to provide me with proof that XXXX XXXX XXXX is the person that authorized the inquiries.

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 2018-08-08 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: DISCOVER BANK
State: TX

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. She reviewed XXXX XXXX  report and found a fraudulent inquiry from Discover bank XX/XX/2018, and again XX/XX/2018 that she never authorized. An official dispute of this information was mailed to Discover bank XX/XX/2018. Discover bank replied with a letter that denied the dispute of the fraudulent inquiry claiming that because my client did no reply to an email and because her personal information was on an online application the inquiries can be listed as accurate. This is a violation of the FCRA and my clients federal consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-08 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: TX

Complaint narrative:
I was notified and sueing XXXX because of data breach have a security freez for free and XXXX refuses to I filed complaints to CFPB over or about XXXX times now XXXX has blocked me from disputing information on my credit account, Because of the XXXX   data breach I see on XXXX information hard inquiorys I didnt aplly for so called the companeys on the list and they have not ever heard of me and dont have me on file ever apllying so contact XXXX and they refuse to do anything then I found out that someone was working under my information in XXXX XXXX I live in XXXX. 
Then I wrote a letter to them 19 times about the problem they blocked me from writing then I had a piad account but they blocked me from that then after they blocked me from online account they still charged me for servicesw till my bank XXXX XXXX blocked XXXX from all accounts so no one can use there cards for them. 
then I called they blocked me form calling but by law they have to send me a letter showing the reason they blocked me and they have not I know this for a fact because they dont even have my right address so could not even send me anything so they told at one time that they dont dispute hard inquiries I had to contact they companies directly but they cant do anything because they dont even have me on file so they dont have nothing to dispute on file so they cant help, then I contacted XXXX they said cant help me even with a police report they dont care. 
Then when I call they say I am blocked, online I am blocked then write a letter they reurn it in there self addressed envelope and return it to me with a letter saying I am blocked from writing, I did CFPB complaints on them then they tell me to call them when I call they say I am blocked from calling to right them so I write them they return it saying I am blocked from writing then I go on line to dispute the isue and I am blocked from my account saying I have to write they keep saying this on response to my CFPB complaint then when I respond they restart by telling you to call in there response all over again. 
Then I have a friend they worked for them they said on complaints through CFPB are all automated responses and a real person never responds to the complaint ever, and on the account they show I have 5 new hard inquiries as of XX/XX/2018 and score dropped and then I look and there is no new hard inquiries since XX/XX/2018 so they enter peoples account change records for score with nothing changing on the account fraud Identity theft and Transunion and XXXX and XXXX are showing inquiorys that I didnt do all being done because of the XXXX data breach all three tell me they cont care and cant help me.

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 2018-08-08 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 was notified and sueing Equifax because of data breach have a security freez for free and XXXX refuses to I filed complaints to CFPB over or about 1oo times now XXXX has blocked me from disputing information on my credit account, Because of the Equifax data breach I see on Equifax information hard inquiorys I didnt aplly for so called the companeys on the list and they have not ever heard of me and dont have me on file ever apllying so contact XXXX and they refuse to do anything then I found out that someone was working under my information in XXXX XXXX I live in XXXX. 
Then I wrote a letter to them 19 times about the problem they blocked me from writing then I had a piad account but they blocked me from that then after they blocked me from online account they still charged me for servicesw till my bank XXXX XXXX blocked XXXX from all accounts so no one can use there cards for them. 
then I called they blocked me form calling but by law they have to send me a letter showing the reason they blocked me and they have not I know this for a fact because they dont even have my right address so could not even send me anything so they told at one time that they dont dispute hard inquiries I had to contact they companies directly but they cant do anything because they dont even have me on file so they dont have nothing to dispute on file so they cant help, then I contacted XXXX they said cant help me even with a police report they dont care. 
Then when I call they say I am blocked, online I am blocked then write a letter they reurn it in there self addressed envelope and return it to me with a letter saying I am blocked from writing, I did CFPB complaints on them then they tell me to call them when I call they say I am blocked from calling to right them so I write them they return it saying I am blocked from writing then I go on line to dispute the isue and I am blocked from my account saying I have to write they keep saying this on response to my CFPB complaint then when I respond they restart by telling you to call in there response all over again. 
Then I have a friend they worked for them they said on complaints through CFPB are all automated responses and a real person never responds to the complaint ever, and on the account they show I have 5 new hard inquiries as of XX/XX/2018 and score dropped and then I look and there is no new hard inquiries since XX/XX/2018 so they enter peoples account change records for score with nothing changing on the account fraud Identity theft and XXXX   and Equifax and XXXX are showing inquiorys that I didnt do all being done because of the Equifax data breach all three tell me they cont care and cant help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 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: NY

Complaint narrative:
Experian claims to have verified a public record that was placed on my credit report. I requested a description of the procedures used to verify this public record and they did not provide it. I sent them a certified letter on XX/XX/2018. On XX/XX/2018 I received a letter from them telling me this public record was verified, but they refused to tell me how they verified it. I sent an email to the CEO of Experian XXXX XXXX on XX/XX/2018. XXXX XXXX did not get back to me regarding this public record. I contacted the Bankruptcy Court located in XXXX, NJ and the courtroom deputy XXXX XXXX told me the court does not give information to credit bureaus or 3rd party organizations. They still refused to remove this item from my credit report without properly verifying 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 2018-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: BMW Financial Services NA, LLC
State: OH

Complaint narrative:
On XX/XX/2018 I inquired about a vehicle from XXXX XXXX, XXXX XXXX. I told the sales person XXXX that my credit union was giving me an 8.49 interest rate " Oh I can do better '' said. The car I wanted at first all the sudden became " unavailable ''. I don't know why, so by the time I left they had given me a XXXX month payment at a really great rate. I returned on the XXXX to pick up the car EVERYTHING HAD CHANGED. I WAS LIED TO AND MISLEAD. I wanted my car registered in XXXX where I primarily reside, I was told they could not sell me a car unless I surrendered my XXXX DL and registered the car at the address I was residing in XXXX and plus it would cost me XXXX more to register in XXXX. I LATER FOUND OUT FROM THE STATE OF XXXX AND XXXX ALL THAT WAS A LIE. Since I have complained to numerous managers there, they are refusing to fix a driving mode change and another button on the console they have just left me hanging, I have only had the care barely a month, I told them about this timely and I purchased an additional warranty. The got my title and registration WRONG AND REFUSE TO CHANGE IT THOUGH THEY CAN SO I HAVE TO CANCEL MY VACATION AND DRIVE TO XXXX AND RESOLVE WHEN THEY CAN DO IT AND REFUSE. I DON'T SEE THEM TREATING ANY OF THE CAUCASIAN CUSTOMERS THEY WAY I HAVE SEEN THEM TREAT MYSELF AND OTHER XXXX AMERICANS. They did not fill out my paperwork for any tags and registration, A XXXX XXXX from Sales department literally chased me down in the community on Sat. XX/XX/18 to have me sign papers for my tags, title registration and I ask then to have it for XXXX he said I had to sign those FIRST for him to resolve anything I did, he was to get back with me on XX/XX/18 he did not. These ppl have lied so much I can't keep up now I am stuck with not being able to get tags because the paperwork has not been done. They charged me XXXX for this service to make sure done timely and right, AND IT WAS NOT, I WANT THAT MONEY BACK CAUSE I GOT PAY DRIVE TO XXXX CAUSE THE CAR HAS TO BE THERE PHYSICALLY TO RESOLVE. I AM XXXX ON XXXX XXXX AND THIS IS A GRAVE HARDSHIP FOR ME. THEY ARE JUST DOING WHAT EVER WITH NO PROCESS AND NO COMPETENCY AND THIS HAS GOT TO BE A PROBLEM NOT REGISTERING MY CAR PROPERLY. IVE BEEN DRIVING FOR OVER A MONTH AND DON'T LEGALLY OWN THE CAR FOR REAL, THEY GOT THE MONEY AND I AM STUCK. I left messages for the owner of XXXX XXXX a XXXX XXXX, General Sales Mgr. XXXX XXXX and Asst Service Manager XXXX XXXX. I have not hear back from anyone as we speak and IM TIRED OF CALLING THESE LIARS!!!!. I SHOULD BE ILLEGAL FOR THEM TO PRACTICE THIS WAY. I DON'T BELIEVE THEY DO THEIR CAUCASIAN CUSTOMERS THIS WAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Strategic Alliances, Inc.
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/2018 I identified a discrepancy with account listed under 1st Financial Investment Fund. I requested a validation on XX/XX/2018 as there were 2 accounts that I did not recognize. I reviewed my credit report again on XX/XX/2018 and account was still on my credit profile and did not reflect a disputed status. Therefore on XX/XX/2018 I sent a direct dispute to XXXX requesting that account be removed from my profile as the creditor failed to validate the account in a timely manner. Credit report was reviewed again on XX/XX/2018 and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and this account continues to negatively affect me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 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: FL

Complaint narrative:
I opened this account in XX/XX/XXXX with XXXX XXXX account # XXXX paid on time and closed it in XX/XX/XXXX because I don't need it and don't want to pay member annual fee 's. 
I had tried many times before to close this account and the agents refused to close it offering to not charge the annual fee for several months then after the time passes stat to charge monthly fee 's. as you can clearly see on the attached statements. 
I am being reported to credit reporting agencies as late and the late charges are for the annual membership fee 's and interest on the fee 's??? 
I have not used or activated this account that they are claiming that I have open with them account # XXXX I spoke with Experian filed two disputes but they close the disputes after only 24 hrs and try to sell me services that I don't need or request. I spoke with XXXX XXXX customer Service and they agree to remove the late charges from my credit report however they haven't done so and Experian and the other reporting agencies are showing me late and is damaging my credit..

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 2018-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I had an account with XXXX XXXX XXXX financed by GE Capital in the past. Because financial hardships the account become delinquent and finally was a charged off. On XX/XX/2015 the account was sold to a collection agency named XXXX XXXX and was reported on my credit. The original amount of the debt was {$800.00}. The acocunt was settled for less than the full balance for the amount of {$480.00} with the mentioned collection agency. I was supposed to not have any other financial obligation with the collection agency or original creditor anymore and they agreed to remove the collection account from my credit and they did so. Payment was made on XX/XX/2015. Apparently, GE Capital sold or transferred the XXXX XXXX XXXX  customers to Synchrony Bank but it seems that XXXX XXXX XXXX also transferred an invalid, false and erroneous debt because was paid and settled previously. This is causing me financial and emotional distress because I am tired of calling Synchrony Bank and provided the proof of payment the company always validated that there's no debt and they have no idea why still showing a balance on my credit report. I called the Credit Bureaus and they indicated it is Synchrony Bank responsibility because every time the acocunt has been disputed they respond that the account is accurate, and the balance is real. The negative impact that this agency is causing me is immeasurable. The reporting of false information on my credit is preventing me of continue on with my financial health and for years already has been hurting my score on purpose and under my understanding is prohibited under the Fair Credit Reporting Act to report false and inaccurate information on any consumer credit 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 2018-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I paid off a vehicle with Santander XX/XX/XXXX, I submitted a request through the dealership XXXX XXXX-XXXX, Florida for refund of GAP insurance on XX/XX/XXXX, I never received the refund. In XX/XX/XXXX, I contacted the dealership and I requested the refund again, was given two different numbers to call. Contacted Santander again and their company called XXXX, I sent in the requested documents on XX/XX/XXXX. Still no response I resubmitted the request again on XX/XX/XXXX, I received a letter from XXXX that states the refund would be issued by Santander in 90 days to check back XX/XX/XXXX. I spoke with a representative at XXXX today and was told if refund is approved it would have a cancellation date of XX/XX/XXXX instead of the original date the loan was paid off in XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
We bought a condo on XX/XX/2016 through a Conventional loan 5 % down with PMI for XXXX total value and loan amount {$130000.00}. and were making payment since we took the loan to get rid of PMI. We talked to our Servicer ( Round Point Mortgage ) and their customer service told us if we are below XXXX  we can get rid of pmi. 

Once we reach below this number I contacted customer service to get rid of PMI and I was directed to their website and fill the form and submit it. I did that and few weeks later I heard back from them that they would need to do the appraisal inorder to determine the current value of the property which would cost {$600.00} something and I have to bear that cost. I refused because it didn't make any sense. And put more money down and brought my loan to value to 75 % which is {$100000.00} and submitted the request again and still got the same response from their department saying they would still need to appraisal. 

Even though I met all the conditions - Never late payment. LTV under 75 %. They still want the appraisal to be done and charge me {$600.00} for no reason. If I read my closing disclosures I can see that I should be cancelled based on LTV if my account is current which actually is. 

I feel round point is not acting according to law by imposing these extra restrictions to get rid of the PMI/

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 2018-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Item was deleted off my credit report before, I check my report recently and discovered it has return. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ) they are required to notify me of the reinsertion in writing within 5 business days. 

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for there blatant disregard for the 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 2018-05-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WLCC
State: TX

Complaint narrative:
Hi, I have a complaint against an underhanded business named XXXX XXXX XXXX, which is a pay day loan company. Their address online is listed as XXXX. XXXX XXXX, XXXX XXXX SD, XXXX. 

The issue that Im having with them is that theyre preventing me from making extra payments on my pay day loan in order to bring the principle down and combat their absurdly high interest rates, charges, and fees. On XX/XX/2018, I called their listed customer service number ( XXXX ) in order to make an additional payment on my loan after they just debited XXXX from my account on that same date. I was told twice by the customer service representative during two separate phone calls that their stipulations stated that I could only make an additional payment if I notified them 3 days prior to my draft date. The representative told me that I would have to wait a whopping 11 days before I could schedule to make an additional payment. Meanwhile XXXX dollars and some odd cent in interest would accrue per day in addition to their other fees that Im currently being charged ( XXXX in interest + XXXX base fee ) I understand that pay day loans often carry super high interest rates and fees, but Ive never encountered a loan company, pay day loan, or otherwise that literally prevented a customer from making extra payments whenever they wanted to. 

What XXXX XXXX is doing is unethical and it cant be legal. XXXX XXXX is literally holding my loan hostage and preventing me from making any payments for 14 days, so their absurdly high interest rates and fees will pile up. This company should be shut down for their predatory practices on consumers. I urge anyone and everyone to avoid XXXX XXXX XXXX at all cost! No matter your emergency loan needs, XXXX XXXX XXXX is not the way to go!

Company response to consumer: Closed with explanation