vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-28 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have unauthorized inquiries on my credit report that I did not do, I wrote all 3 credit bureaus they requested me to contact consumer the consumer state they can not locate a Credit inquiry from me and want asst with removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have unauthorized inquiries on my credit report that I did not do, I wrote all 3 credit bureaus they requested me to contact consumer the consumer state they can not locate a Credit inquiry from me and want asst with removal.

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 2020-02-28 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: STATE FARM BANK, FSB
State: NY

Complaint narrative:
I purchased a car from a used car dealership VIN # XXXX XXXX XXXX XXXX in XXXX NY on XX/XX/19. I paid {$7000.00} cash, {$3200.00} trade in and financed {$25000.00} through state farm bank. 
I reviewed all state farm bank paperwork for the financing. In XX/XX/2019 I received the car title in the mail shows " two liens listed '' State Farm Bank and XXXX  XXXX XXXX. I contacted the dealership several times and was told to check with the DMV for them to update. I contacted the other lien holder on the title and was told they can not release any information. I contacted state farm and they asked me to send in the title and then it was returned back to me. 
All my loan documents show that state farm must be listed as the sole lien holder on the title. I'm not sure how this happened and what to do to get this resolved. I have tried XXXX, district attorney, the dealership, etc. I need my title to show state farm bank is the only lien holder.

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 2020-02-28 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have unauthorized inquiries on my credit report that I did not do, I wrote all 3 credit bureaus they requested me to contact consumer the consumer state they can not locate a Credit inquiry from me and want asst with removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: Clarity Services
State: TX

Complaint narrative:
I have unauthorized inquiries on my credit report that I did not do, I wrote all 3 credit bureaus they requested me to contact consumer the consumer state they can not locate a Credit inquiry from me and want asst with removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I went to the emergency room and was fully covered with my insurance, but someone stole my information and got service fraudulantly ...

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 2020-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I went to the emergency room and was fully covered with my insurance, but someone stole my information and got service fraudulantly ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Frost-Arnett Company
State: CA

Complaint narrative:
Upon visit to XXXX XXXX on a Saturday, I attempted to pay in-person at the time of service. Because it was a Saturday, and they could not contact my health insurance to verify my {$50.00} copay amount, they would not let me pay in person at my visit the day of service. Several months later, on XX/XX/20, I received a collection notice saying this {$50.00} bill was placed with a collection agency. THIS WAS THE FIRST TIME I HAD EVER SEEN THIS BILL IN THE MAIL AT ALL! When I called XXXX XXXX ( XXXX ) at XXXX on XX/XX/20, to let them know they never sent me a bill at all ( until I received this collection notice ), they said they had sent me the bill three times before the collection agency had sent me this letter. They had my correct address but they had my incorrect phone number. I am an XXXX XXXX XXXX for XXXX Unified School District and I XXXX  MY STUDENTS TO PAY THEIR DEBTS ON TIME. I have never paid a bill late before so for me to receive a collection notice ( which will negatively affect my credit ) is devastating to me. Immediately after I received this collection notice, I paid the bill as soon as possible on XX/XX/20 ( as I always do when I receive any bill ). I don't know if someone had tampered with my mail, but this is not my fault and should not negatively affect my credit in any way since I had no control over paying this bill on time. Please let me know how we can erase this from my credit score and why I never received a bill in the mail before it went to a collection agency. 
Thank you very much. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I went to the emergency room and was fully covered with my insurance, but someone stole my information and got service fraudulantly ...

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 2020-02-28 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: DISCOVER BANK
State: TX

Complaint narrative:
I have unauthorized inquiries on my credit report that I did not do, I wrote all 3 credit bureaus they requested me to contact consumer the consumer state they can not locate a Credit inquiry from me and want asst with removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I have unauthorized inquiries on my credit report that I did not do, I wrote all 3 credit bureaus they requested me to contact consumer the consumer state they can not locate a Credit inquiry from me and want asst with removal.

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 2020-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: VA

Complaint narrative:
I believe this company is erroneously charging the following : -erroneously intertest charges -mischarging for Gap Insurance -other charges -multiple charges for repossession fees -changing how my payments are applied to my loan ( principle, interest, late fees, and gap insurance ) ; they apply my payments to principle, etc. then go back and change the way the money was applied to my account I've talked to the company multiple times. Every time I'm given a different answer on what the " additional '' charges are for and how the interest is accruing to my account. I have paid several large payments $ 1,000- {$3000.00} and the gap insurance is not showing that it is paid on my account. Additionally, every month my account shows " other charges ''. Westlake Financial has yet to provide a clear explanation in writing as to what these " other charges '' are. Also, when the accounting department send me a statement of accounting, the money that I have paid on my loan is always accounted for differently in each statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
Midwest reported to my credit I owe a debt from a pay day loan I am a victim of ID theft and never borrowed pay day loan for the company Midwest represents

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of ID theft and I have received letters from consumers that Accounts will be removed from all credit reports, but when I look at my Experian they are still reporting accounts that I was informed my merchant is removed, I have wrote Experian no response I have tried calling Experian I cant ever reach a live agent please have Experian to remove all degrogatory accounts as XXXX and XXXX did ... such as XXXX, XXXX, XXXX, XXXX XXXX and so on

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 2020-02-28 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I contacted credit acceptance in regards to verifying information on my report and they couldnt. The said we cant talk to you and if you dont pay we will damaged your credit. I was shocked. The amount, lates, dates dont match me credit report. I asked them to remove it they refused. Please remove this inaccurate account from my account its not me. I recently checked and its still there. I have no one to protect me please help

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 2020-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: NJ

Complaint narrative:
I've made bi monthly payments from the start of my loan, on time every month. Flagstar Bank has never stated that I could not do partial payments. Now they say that is the case and can not find my partial payment for XX/XX/XXXX, even though I see it both on their website and my bank account. I believe they applied my payments incorrectly to the account or not at all. I have reached out to them on the phone three times in XX/XX/XXXX regarding the issue, most recently on XX/XX/XXXX. Each time I asked to speak to a manager but at no of those times was there one available. I was then told to email their servicing management e-mail with detail, which I also did on XX/XX/XXXX. I immediately received an automated e-mail saying they received my message, but that is as far as it has gone. I explained the situation as followed : Your company did not properly credit the payment that I made on XX/XX/XXXX in the amount of {$1300.00}. This payment should have been credited to my payment for XX/XX/XXXX. 

o I have made partial bi-monthly payments since having this loan. Taking a look at my history, you can see Ive made payments for : XX/XX/XXXX ( XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX ) XX/XX/XXXX ( XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX. ) XX/XX/XXXX ( XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX. ) XX/XX/XXXX ( XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX. ) XX/XX/XXXX ( XXXX on XXXX, XXXX on XX/XX/XXXX. ) These dates and amounts were visible from my loan details on flagstars page. I have attached a pdf from my bank showing the matching payments that left the account to flagstar. No one that I have talked to at Flagstar can apparently see these. 
o Per the note 3 under your payment information directly listed on the statements flagstar has sent me : Any partial monthly payment made that is not applied to the loan, but instead is held in a separate suspense account until enough funds are received to equal a full payment, at which time, the funds will then be applied to the loan. 

I have called three times this month regarding this issue and no one has helped me. 

o When I requested to speak with a supervisor on my first call, I was told they would not put me on with them because they werent going to help. 

o After my most recent call on XX/XX/XXXX with your service agent, ( i will leave this name blank for the purpose of CFPB ), I was told to write an email to the XXXX e-mail as he looked for over 40 mins for a supervisor and could not find one.

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 2020-02-28 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: Nelnet, Inc.
State: TX

Complaint narrative:
I am a victim of ID theft I have requested that dept of edu review/investigate my file and remove from all credit reporting agencies no response received I dont believe my credit investigation is being completed because no changes have been made

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
These accounts has appeared on my credit report. I have never had any dealings with these companies. 

1. The following account is not mine ( open date XX/XX/XXXX ) XXXX Account Number : XXXX Please remove it from my credit report. 

2. The following account is not mine ( open date XX/XX/XXXX ) XXXX Account Number : XXXX Please remove it from my credit report. 

3. The following account is not mine ( open date XX/XX/XXXX ) TDTARGET Account Number : XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: NY

Complaint narrative:
My name is XXXX XXXX and my phone number is XXXX. 
On XX/XX/XXXX, I went to Chase Bank, located at XXXX XXXX XXXX, XXXX XXXX, NY to obtain a customer 's check for {$1.00}, XXXX from my account in which the funds were available. I received the check from one of the Tellers and noticed that the information that was given on the check was incorrect ; I then brought it to the Teller 's attention who then reissued another check with the correct information and amount. 
On the evening of XX/XX/2020, after reviewing my account, I noticed an unauthorized transaction. On the following day XX/XX/2020, I went to the Chase Bank at the address listed above and spoke to one of the representatives by the name of XXXX, who after reviewing the account, explained to me that the Bank had made a mistake by not debiting my account after issuing me the check. I also spoke with the Branch Manager who also confirmed and admitted that it was an error on the bank 's end. I was unaware of error on the bank had made since the check was given to me. 
I spoke to the branch manager who told me that, there is nothing that she could do to help me. As a customer, I feel helpless because this blunder made by the bank has left me with a negative of {$1100.00} and some change. This is affecting my rent because it is the end of the month and all my money is gone. I am very disappointed because the bank is not complying with regulatory rules like Regulation E and I feel as though they are taking advantage of their clients.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I opened an account with BMO Harris Bank on XX/XX/XXXX using a coupon I received from the bank for a promotion in which I needed to completed the three following offers to receive a bonus of {$700.00} total : Offer 1 Get a {$400.00} bonus when you open a checking account and complete the following activities within the first 120 days : Have a total of at least {$6000.00} in qualifying direct deposits, enroll in BMO Digital Banking and set up paperless statements, and make at least 10 qualifying electronic transactions.

Offer 2 Get a {$200.00} bonus when you open a Platinum Money Market account, deposit at least {$10000.00} in new money and keep it for 90 days. 

Offer XXXX - Get a {$100.00} bonus when you open both accounts with your promo code! 

I followed the directions exactly as the email with the coupon directed and inserted my Promo Code XXXX ' into the box which should have prompted the website to open the two accounts associated to the promotion code. When I spoke with the BMO Harris Bank customer care person they confirmed that they had a problem with the link that was opening up the wrong type of account for 'Offer 2 ' above. It opened a 'Statement Savings ' account as opposed to the 'Platinum Money Market ' account it was supposed to have opened.

I called when I noticed the account type didn't reflect the promotion to alert them of the error on their end. The customer service agent said they weren't able to modify the account type, but I should keep the {$10000.00} in the account and call after 90 days to receive the additional {$200.00} for completing Offer # 2 and {$100.00} for completing Offer # 3 above. When I called on multiple occasions they were unable to honor their promotion and as of today, XX/XX/XXXX, I have only received {$400.00} total of the {$700.00} I was supposed to receive.

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 2020-02-28 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 am a victim of ID theft I have requested that dept of edu review/investigate my file and remove from all credit reporting agencies no response received I dont believe my credit investigation is being completed because no changes have been made

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 2020-02-28 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 am a victim of ID theft I have requested that dept of edu review/investigate my file and remove from all credit reporting agencies no response received I dont believe my credit investigation is being completed because no changes have been made

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 2020-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened a checking and savings account with Citi bank. I did not have an account previously. I received an ad in the mail stating I would receive a {$600.00} bonus if I deposited {$50000.00} and held that balance for 60 days. My new account number is XXXX was opened in XX/XX/XXXX. 

On XX/XX/XXXX I called citi bank to make sure I was eligible for the bonus. The citi rep assured me I was, and I asked him to note this on my account and make a record of the call. He said the call was recorded. 

I deposited {$50000.00} on XX/XX/XXXX. This was my only transaction in the account until XX/XX/XXXX. 

On XX/XX/XXXX ( approximately, cant remember the exact date ) I called citi again, as the 60 day period was complete. The rep told me there is an additional 90 day waiting period to get the funds. She again confirmed I was eligible for the bonus and I would receive it within 90 days. 

On XX/XX/XXXX I called citi, more than 5 months after I originally deposited and held the {$50000.00} in the account. They now say I was not eligible for the {$600.00} bonus. I spoke to 4 people, including 2 supervisors. They all acknowledge that my the 2 reps I spoke to ( in XXXX and XXXX ) left notes on my account detailing our conversation, however they refuse to pay the bonus now. They say the reps I spoke to were misinformed.

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