vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I applied and was approved for a venture one / capital one visa XX/XX/XXXX. Prior to making application by phone, I call, spoke to a rep and confirmed that I was applying for and eligible for the offer that was mailed to me ( 0 % Intro APR on purchases and transfers until XX/XX/XXXX ). Again when the card was received in the mail, I called and spoke to a rep and confirmed that I was eligible for the 0 % Intro APR on purchases and transfers until XX/XX/XXXX offer. The rep also provided me with details on how I could complete a transfer by phone on XX/XX/XXXX. I called on XX/XX/XXXX to complete the transfer and was placed on hold approx 20 minutes before being able to speak to a supervisor ( XXXX, VA call center ) who told me that I was enrolled into a card with a 17.99 % apr and that I was not enrolled in nor eligible for the 0 % apr offer for which I originally applied. He then went on to describe a lengthy process by which I was required to submit documentation in order to have my concern reviewed. Business Info : XXXX XXXX XXXX XXXX . XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have had a private student loan with wells Fargo since 2009 i have made over 48 payments and have never been late only when they did n't allow me on forbearance i have tried to refinance my loan to get the current competitive rate since it is 8.9 %. They simply use the credit score which in my opinion is only one factor. they should consider that i have been able to afford to make my payments on time even though they are charging me super high interest. it does n't make sense that they can keep taking advantage of me because i dont have perfect credit. i would think that the payments i have made without defaulting should count as merit.

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 2017-08-12 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: NV

Complaint narrative:
I have an un-authorized inquiry on my credit report with Equifax from XXXX XXXX XXXX. I did NOT give XXXX XXXX XXXX permission, thus allowing a hard inquiry to reflect on my credit file. I was not made aware, nor were there instructions letting the consumer know that they would be pulling my credit report. What I did was, I added overdraft protection to my personal banking account. No where on their website did it say that they would have to run my credit just for me putting overdraft protection on my personal account. I had no knowledge that they were pulling my credit nor did they have my permission. I am requesting that this un-authorized inquiry of XXXX XXXX XXXX be removed off of my personal credit file with Equifax, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
This complaint is against Santander Consumer USA. I am filing a complaint against this company because we have been paying for a XXXX XXXX XXXX for the past 3 years and yet the bill still has not went down yet. We have been sending in XXXX dollars payment weekly and yet the bill still has not went down. The car was only worth XXXX or less but our insurance paid XXXX and change for the car. The car was total due to an accident. I do not understand were this went to and yet they have let clueless explanation. I am still looking at bill for {$2200.00}. We have GAP insurance to help pay off the vehicle but yet we still owe a large amount of money. I do not know what is going on with Santander Consumer USA but I do think it fraud upon the company. I want the c Consumer financial protection to look into this matter because I am the consumer need to know where my money. I think Santander does not need to be in business because they are taking advantage of poor people like myself and adding interest for no reason. Please look into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 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: ND

Complaint narrative:
I am a victim of identity theft. I filed a police report with the XXXX XXXX  Police Department this is the second police report I have made with the XXXX XXXX Police Department in reference to fraudulent and unauthorized accounts, hard inquiries and collection accounts listed on my Trans Union, XXXX and XXXX credit report. The police report case number that 's on file is : XXXX. I been receiving harassing telephone calls and death threats from creditors and debt collection companies in regards to the following accounts and debts that are fraudulent and unauthorized, and do n't belong to me. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, {$2800.00}, XXXX XXXX XXXX, {$14.00}, XXXX, XXXX XXXX, {$7100.00}, XXXX XXXX XXXX, the following hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX/XXXX/2016, XXXX XXXX XXXX, XXXX/XXXX/2016, the following collection account is fraudulent and unauthorized : XXXX XXXX, {$290.00}

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 2017-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/17, I noticed a Misc Debt from my checking account, I have it set up as also direct Deposit, court order, for my Ex husband, he is not a authorized user on account. For monthly payments. I went to the XXXX XXXX, Nj bank, and they internal search, XXXX was Able to track it down at another Location, funds were being taken out, I never received a letter from the Bank or call, saying it was being Taken back out. This was done at another location with a withdrawal slip, at a teller booth. At first they said someone used by debt card and I took it out. I find this to be poor business handling in the Finacial Institute.
They said they would call me back, nothing yet on wht happen, I m afraid this person going to go back into my account. For they blamed me first, until they realized.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 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: NV

Complaint narrative:
I have an un-authorized inquiry on my credit report with XXXX from XXXX XXXX XXXX. I did NOT give XXXX XXXX XXXX permission, thus allowing a hard inquiry to reflect on my credit file. I was not made aware, nor were there instructions letting the consumer know that they would be pulling my credit report. What I did was, I added overdraft protection to my personal banking account. No where on their website did it say that they would have to run my credit just for me putting overdraft protection on my personal account. I had no knowledge that they were pulling my credit nor did they have my permission. I am requesting that this un-authorized inquiry of XXXX XXXX XXXX be removed off of my personal credit file with XXXX, and Transunion.

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 2017-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I signed up for the Capital One Platinum Mastercard in XXXX of 2015 and provided them a {$200.00} deposit without interest that I was told would be refunded when my credit improved. My credit score was XXXX at that time.
I now have two other credit card accounts which are unsecured and a credit score of XXXX out of XXXX. Captial One refuses to return my deposit now after almost two years and told me I would have to cancel my card to receive it, which would damage my credit.
If my case is n't an ideal one for a security deposit refund, I do n't know what is.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 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: ND

Complaint narrative:
I am a victim of identity theft. I filed a police report with the XXXX XXXX Police Department this is the second police report I have made with the XXXX XXXX Police Department in reference to fraudulent and unauthorized accounts, hard inquiries and collection accounts listed on my XXXX XXXX, Equifax and XXXX credit report. The police report case number that 's on file is : XXXX. I been receiving harassing telephone calls and death threats from creditors and debt collection companies in regards to the following accounts and debts that are fraudulent and unauthorized, and do n't belong to me. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, {$2800.00}, XXXX XXXX XXXX, {$14.00}, XXXX, XXXX XXXX, {$7100.00}, XXXX XXXX XXXX, the following hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, the following collection account is fraudulent and unauthorized : XXXX XXXX, {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 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: ND

Complaint narrative:
I am a victim of identity theft. I filed a police report with the XXXX XXXX  Police Department this is the second police report I have made with the XXXX XXXX Police Department in reference to fraudulent and unauthorized accounts, hard inquiries and collection accounts listed on my XXXX XXXX, XXXX and Experian credit report. The police report case number that 's on file is : XXXX. I been receiving harassing telephone calls and death threats from creditors and debt collection companies in regards to the following accounts and debts that are fraudulent and unauthorized, and do n't belong to me. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, {$2800.00}, XXXX XXXX XXXX, {$14.00}, XXXX, XXXX XXXX, {$7100.00}, XXXX XXXX XXXX, the following hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX/XXXX/2016, XXXX XXXX XXXX, XXXX/XXXX/2016, the following collection account is fraudulent and unauthorized : XXXX XXXX, {$290.00}

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 2017-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
i was called on XXXX/XXXX/2017, by Midland Credit Management from the phone number ( XXXX ) XXXX a woman asked for my son XXXX XXXX. I told them he does not live here. They asked if they could call me back. I replied " No ''. The lady asked me a second time if they could call back. I again said " no ''. Then she asked me a third time if she could call back. I shouted at her that I had said " no ''. I asked how many times I had to say no to her and for her not to call me back?
I was contacted by my former employer on XXXX/XXXX/2017, that XXXX XXXX had called the business asking for my son. I consider this harassment. I told them not to call me anymore so they called my former employer. The woman on the phone told him her name was " Heavenly ''. She said it regarded a personal business matter. Her phone number is ( XXXX ) XXXX. Extension XXXX.
I am a third party. This debt has nothing to do with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a credit card with this XXXX XXXX XXXX been a member since XX/XX/XXXX. On XX/XX/XXXX, I paid the balance off totaling {$2400.00}. Checked balance via online bank website in XXXX and balance stated {$0.00}. On XX/XX/XXXX, received a alert XXXX XXXX stating I was late making payments for the month of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to XXXX XXXX card. Contacted them the same day and was told that this was caused by a computer error and my account is {$0.00}. I told the client service represenative because of their computer error my credit was affected by it, I was told to just dispute it with the credit bureaus and since they fixed the error it would be fixed on my credit. XX/XX/XXXX - disputed that I was never late with Transunion and XXXX XX/XX/XXXX - Disputes were completed and XXXX did not change anything and XXXX reported to the credit bureaus that it was accurate. Called the XXXX and was told the same thing that I was told on XX/XX/XXXX and was also told to contact their member solution dept. Disputed it again with both bureaus. XX/XX/XXXX - Sent a instant message through the online bank website in regards to my issue. XX/XX/XXXX - Received a message for a XXXX stating " I apologize for any issues you have had with your Visa Card. I reviewed your account and on XX/XX/XXXX your account was adjusted to remove the late charge. You should n't receive any more late notices. Your Visa is paid off. Please let me know if you have any other questions or concerns. '' XX/XX/XXXX - Disputes were completed and XXXX did not change anything and XXXX reported to the credit bureaus that it was accurate. Sent a instant message back to XXXX stating that my credit report did not change and was still stating that I was late for XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX - disputed again with all three credit bureaus XX/XX/XXXX - checked XXXX  online bank message for a reply, no reply, sent another one. XXXX/XXXX/XXXX - Sent an email to their member solutions dept. about the situation and as of XX/XX/XXXX no response from the bank. Filed a complaint to the state attorney generals office. XX/XX/XXXX - the false late payments were removed from my credit report. XX/XX/XXXX - late payments are back on my cedit report, which is adfecting my credit score.

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 2017-08-12 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: PA

Complaint narrative:
I have a credit card with this XXXX XXXX XXXX been a member since XX/XX/XXXX. On XX/XX/XXXX, I paid the balance off totaling {$2400.00}. Checked balance via online bank website in XX/XX/XXXX and balance stated {$0.00}. On XX/XX/XXXX, received a alert XXXX XXXX stating I was late making payments for the month of XXXX, XXXX, and XXXX to XXXX XXXX card. Contacted them the same day and was told that this was caused by a computer error and my account is {$0.00}. I told the client service represenative because of their computer error my credit was affected by it, I was told to just dispute it with the credit bureaus and since they fixed the error it would be fixed on my credit. XX/XX/XXXX - disputed that I was never late with XXXX and Equifax XX/XX/XXXX - Disputes were completed and XXXX did not change anything and XXXX reported to the credit bureaus that it was accurate. Called the XXXX and was told the same thing that I was told on XX/XX/XXXX and was also told to contact their member solution dept. Disputed it again with both bureaus. XX/XX/XXXX - Sent a instant message through the online bank website in regards to my issue. XX/XX/XXXX - Received a message for a XXXX stating " I apologize for any issues you have had with your Visa Card. I reviewed your account and on XX/XX/XXXX your account was adjusted to remove the late charge. You should n't receive any more late notices. Your Visa is paid off. Please let me know if you have any other questions or concerns. '' XX/XX/XXXX - Disputes were completed and XXXX did not change anything and XXXX reported to the credit bureaus that it was accurate. Sent a instant message back to XXXX stating that my credit report did not change and was still stating that I was late for XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX - disputed again with all three credit bureaus XX/XX/XXXX - checked XXXX  online bank message for a reply, no reply, sent another one. XX/XX/XXXX - Sent an email to their member solutions dept. about the situation and as of XX/XX/XXXX no response from the bank. Filed a complaint to the state attorney generals office. XX/XX/XXXX - the false late payments were removed from my credit report. XX/XX/XXXX - late payments are back on my cedit report, which is adfecting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collections Acquisition Company, Inc.
State: WI

Complaint narrative:
I check my report often to make sure my information is reporting accurately. Last year I was a victim of identity theft and had several accounts removed because someone fraudulently used my personal information. I checked my XXXX report today XX/XX/XXXX and noticed this account listed on my credit report. Based on the information I show on my report, it was opened XX/XX/XXXX and was placed on my credit report this month, XX/XX/XXXX. It is reporting under the company Payliance as a collection for {$60.00}. I have never heard of this company and have no idea who they are. I was never sent any notice or letters in the mail, therefore I have not had a chance to dispute this inaccurate information before being placed on my report. I want this account removed from my credit report immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-12 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: Nelnet, Inc.
State: MO

Complaint narrative:
In XX/XX/XXXX, I got my credit reports, i noticed my students loans were reporting open, closed - with XXXX. I have contacted transunion in regards to my Nelnet student loan payment history- it shows 4 loans 15 payments each past due. Destroying my history and credit. I contact Nelnet they show this are  loans XXXX, XXXX, XXXX, and XXXX - I stated that my loans were suppose to be in default. Well when I initially contacted in XX/XX/XXXX - I called over the phone - Like I usely do to renew my economic hardship- the representative told me- to mail in proof of state assistance- I mailed information-never received any information that those 4 loans were ever in default. Sent a goodwill letter- no response. I need help getting this resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 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: HI

Complaint narrative:
I have a paid tax lien showing on equifax. Date of filing is over 7 years ago No DOB or SSN on the records. I have disputed twice with equifax to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
In XX/XX/XXXX, I got my credit reports, i noticed my students loans were reporting open, closed - with Transunion. I have contacted transunion in regards to my XXXX student loan payment history- it shows 4 loans 15 payments each past due. Destroying my history and credit. I contact XXXX  they show this are  loans XXXX, XXXX, XXXX, and XXXX - I stated that my loans were suppose to be in default. Well when I initially contacted in XX/XX/XXXX - I called over the phone - Like I usely do to renew my economic hardship- the representative told me- to mail in proof of state assistance- I mailed information-never received any information that those 4 loans were ever in default. Sent a goodwill letter- no response. I need help getting this resolved

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 2017-08-12 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: EQUIFAX, INC.
State: MO

Complaint narrative:
In XX/XX/XXXX, I got my credit reports, i noticed my students loans were reporting open, closed - with XXXX. I have contacted XXXX in regards to my XXXX student loan payment history- it shows 4 loans 15 payments each past due. Destroying my history and credit. I contact XXXX they show this are loans XXXX, XXXX, XXXX, and XXXX - I stated that my loans were suppose to be in default. Well when I initially contacted in XX/XX/XXXX - I called over the phone - Like I usely do to renew my economic hardship- the representative told me- to mail in proof of state assistance- I mailed information-never received any information that those 4 loans were ever in default. Sent a goodwill letter- no response. I need help getting this resolved

Company response to consumer: Closed with explanation