vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-28 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: LEXISNEXIS
State: CA

Complaint narrative:
On XXXX XXXX, 2017 I went in person to the XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) branch to add my engagement ring onto my existing renters insurance policy. I had been told previously over the phone to bring the ring for pictures as well as a recent appraisal. Once I was seated with a representative she asked her manager to take the photos and collect my information. I was moved to another cubicle with the manager and she explained that I would receive a bill in the mail pro-rated for the rest of the 2017 year. A week later I received a letter from XXXX that was a Fair Credit Reporting Act Notice ( auto ) that stated I was being denied auto insurance based on a consumer report from XXXX XXXX XXXX XXXX XXXX.  I never discussed auto insurance with XXXX, nor do I have any interest in obtaining a quote from them. I never gave consent for them to pull my consumer report in any way. I have contacted XXXX and spoken with several representatives and managers and no one has an answer for me in regards to why this was pulled or how I dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 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: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
On XXXX XXXX, 2017 I went into XXXX XXXX XXXX with my pre-approval letter from XXXX to XXXX XXXX a XXXX  XXXX. The manager XXXX XXXX requested credit report with out my knowledge and consent. Because of this my credit was ran resulting XXXX Unauthorized inquiries. The next day I went back to the dealership asking for his supervisor. XXXX XXXX the General manager asked me to explain what happened and as a result typed up a letter on the companies letter head to all the Financial companies and credit reporting agencies requesting that they remove the inquiries on behalf of XXXX XXXX XXXX. Unfortunately, as of today NONE have been removed. Since then, I 've called, faxed, sent certified letters that XXXX XXXX drafted to each company as well as the credit bureau asking that that they be removed. Nothing has been removed a year later. I 'm in the process of purchasing my first home and these XXXX inquires are hurting my credit worthiness and credit score.  The company is requesting that they be removed and now I 'm asking that they be removed!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Last year I found out that I had a lot of information on my credit bureaus that wasnt mine such as collection accounts, inquiries and personal information. I found out that my information was mixed was mixed up with a different name than mine with addresses that I never lived at in Alaska, phone numbers that werent mine and several inquiries that werent mine and collection accounts. I have had most of the info removed off my XXXX report, I disputed with Equifax and they removed some personal info but not all of it, they didnt remove fraudulent accounts and or inquiries after the supervisor said they would if I added a fraud report to my bureau. I cant get online to redisoute with Equifax, it keeps saying the information Im entering to verify myself doesnt match their records thats because they might have some of the wrong info. XXXX Im having problems with the inquiries and again its impossibke to get ahold of any live representatives and or online with them. These issues have caused my scores to drop over 130 points in the past year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX I opened up a XXXX XXXX in which I signed a two year agreement. I has service for a few months and ended up switching carriers at which time I owed an early termination fee since I did not keep service for the full two year as I had initially agreed per the contract. In XX/XX/XXXX I was contacted by a debt collector on XXXX XXXX behalf in which I was offered what I thought was a great deal. The debt collector offered me the opportunity to settle the account in full and if I did they would delete the collection account from all three credit bureaus. They advised once my payment cleared on their end which normally lasts about 48 hours that they would send me a deletion letter to provide to the credit bureaus. Months went by and never received one as they promised. I do not know the name of the debt collector nor do I have their number so I had to call XXXX directly and XXXX advised me that there was no such comment on my account. The collection account was removed from XXXX but not from Experian or XXXX. Not sure why it was only deleted from one of the three credit bureaus but they have not delivered as agreed upon. Not only should have the account been deleted Upon looking further into my Experian credit report I realized that XXXX XXXX is n't even being reported correctly as it does n't even show up as a collection but is being reported as a regular account which was closed with two late payments as failed to pay and a 1 month term. From my understand a collection account shows up as a collection as how it currently shows On XXXX. Credit reports show as {$0.00} balance but should n't be on neither of the two anymore.

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 2017-11-28 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
XXXX XXXX XXXX has continually called my family members, including my ex-mother-in-law ( have n't been in that family in over a decade ). Today, the company called two of my colleagues on their personal cell phones, one of whom has only been employed here for a month. I can understand reaching out to family members, but calling people with whom I work is inappropriate, embarrassing, and harassing.

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 2017-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
My credit card got behind several months. This was my own responsibility, and I understand that. During that time period, Capital One contacted me in writing several times stating if I did not pay the account " will be closed '' and it would be charged off. I received several statements, all saying the card was " Restricted '' but none saying the account was CLOSED.

In early XX/XX/XXXX, I paid off the card in its entirety, with the intent of freeing up the credit line and leaving it available for emergencies. 

Capital One promptly took my money, and THEN CLOSED MY ACCOUNT. Since then, I have waited several weeks for their " escalations team '' to consider reopening the account, and was promised I would get to speak to them before a determination was made. That never happened. Today they informed me they were denying my request. On top of that, I received a bill for {$10.00} MORE after I already paid the card off completely! 

So they lied to me for months about my account status, got me to give them a huge amount of money, then closed my account. This is ludicrous and downright dishonest. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
One XX/XX/XXXX XXXX XXXX of XXXX XXXX XXXX XXXX charged my card with out any authorization from any part. He did not obtain a signature from anyone authorizing the transaction or any written consent to do so. A dispute was filed for services not provided and fraud in XX/XX/XXXX and now again in XX/XX/XXXX for fraud again. The banks the processed the transactions XXXX XXXX, Capital One, and Capital One 360. Did not due there due diligence in investigating the claim. The never made a followup to allow me to address his false position and defend myself against XXXX XXXX defaming letter ( s ). They never even made any attempt to verify if the charges were indeed authorized which they were not. There is not any correspondence or signature to authorize the claim. In one letter to XXXX XXXX the letter state the charge was " Called In '' and the receipt shows it was swiped. 

These banks failed to protect me as a consumer and this attorney has indeed committed fraud. 

I pray for you assistance in this matter. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 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: CITIBANK, N.A.
State: MI

Complaint narrative:
I filed chapter XXXX bankruptcy on XX/XX/XXXX.XXXX/XXXX was one of the Creditors in the bankruptcy.A few years ago every creditor i filed chapter XXXX bankruptcy against has disappeared on my credit reports except XXXX/XXXX.Currently my credit reports shows Michigan XXXX XXXX under Public Records and XXXX/XXXX under closed accounts.No other creditor i filed bankruptcy against is on my credit reports except XXXX/XXXX.Ive tried disputing on all credit reports and even called XXXX to remove under closed accounts, but for some reason they wont.Currently, My XXXX report shows : Date opened : XX/XX/XXXX Balance:XXXX Pay status : Account included in Bankruptcy, closed account Date Closed:XX/XX/XXXX Date updated:XX/XX/XXXX Last Payment made:XX/XX/XXXX High Balnce:XXXX Credit Limit:XXXX Remarks : Chapter XXXX Bankruptcy ; Acct info disputed by consumer ; closed by credit grantor I have takened all steps to resolve my issue with XXXX/XXXX and cant get them to make corrections.Its like they are punishing me for filing chapter XXXX bankruptcy against them

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 2017-11-28 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: NE

Complaint narrative:
A loan using my name and information was approved and pushed through by XXXX XXXX XXXX and I was put down as the Co signer on the loan. I never agreed to the loan or signed for it. I made the XXXX aware a large number of times and they continue to hold my credit hostage. I have offered my explanation to XXXX and XXXX but they are to concerned with my credit. They only want my high credit attached to a bad loan.

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 2017-11-28 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: EQUIFAX, INC.
State: NE

Complaint narrative:
A loan using my name and information was approved and pushed through by XXXX XXXX XXXX and I was put down as the Co signer on the loan. I never agreed to the loan or signed for it. I made the XXXX aware a large number of times and they continue to hold my credit hostage. I have offered my explanation to XXXX and XXXX but they are to concerned with my credit. They only want my high credit attached to a bad loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I received a solicitation from Chase Bank in the US-Mail encouraging me with a {$250.00} ( not {$200.00} as the bank claims ) reward if I opened a new savings account with {$15000.00} and kept it in for 6-months. So on X/X/17 I opened a account as a new customer using the coupon and the bank representative kept it. 

After the six-month period expired I attempted to close the account and yield the reward. But the bank told me they had forgot to to enter the " coupon code '' into their computer system. So I was told they would fix the problem if I came back a few days later. So I did. But they did n't fix it. The Bank Manager XXXX XXXX told me to get another coupon and he would fix things. So I did. XXXX entered the coupon code into the system and then tried to keep it the coupon. I asked for it back so I would have documentation. He gave it back and told me to come back after some period. So I waited at least a week and returned. Still the bank had not fixed the problem. A bank rep. then told me to come back at XXXX XXXX and talk to the Manager XXXX. I never agreed to come back at that time. Instead I waited about a week and returned. 

This time I met with XXXX and he told me he was only authorized to give me {$50.00} but that he would n't do that because he did n't feel like it. Then he handed me a check for {$500.00} and told me to leave the bank. 

I never told him to close the account. I was trying to close the account but not till the problem was fixed. 

I never received the {$250.00}. However I did get XXXX cents in interest. 

I kept my end of the deal but Chase Bank gave me the run-around and violated our contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
This complaint is against Ally Financial. I have been paying extra money with my monthly payments. I was told to call them and tell them what I want the extra money applied to. For the past two months I have been calling ally and I can not get anyone on the phone who understands English. When I ask to be transferred to an american representative, They either end the call or just refuse to transfer the call. I called ally bank several times last week. The representatives call the call center and could not get an american representative on the phone. This is affecting my credit as I am continuing to incur late charges. I would like to speak with an american representative so this problem can be solved. Thanks in advance for your cooperation. 

Sincerely, 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 2017-11-28 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: MI

Complaint narrative:
I am a victim of the inquiry issue I have called and called their customer service would not help and take care of the negative inquiries reporting to My credit report here 's a list of things that I want removed!! 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX, a Trans Union dispute for Incorrect Data on my credit report was started. It is still unresolved. XX/XX/XXXX ( XXXX XXXX XXXX XXXX ) Account shows open and in collections with a debt of {$820.00} owed to unknown debt collector. After several disputes via online, over the phone and through the mail, the incorrect info still remains on the credit report. Proof from XXXX XXXX, ( Stating that there is no amount of money owed/account does not exist ) was provided to Trans Union, along with other supporting documents to prove the case for removal of the incorrect information in the report on Friday XX/XX/XXXX. This mail with the supporting documents was sent via USPS with delivery confirmation, and has a tracking number of : XXXX XXXX XXXX XXXX XXXX XXXX. Currently the USPS has it marked as delivered. After the fourth dispute was unsuccessful in rectifying the matter, I am currently writing this. The company Trans Union has failed and is in breach with complying to the laws of the FRCA. I have suffered actual  damages, soon to be including court costs, attorneys fees, lost wages and, if applicable via the courts, defamation and intentional infliction of emotional distress and possible punitive damages.

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 2017-11-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: WA

Complaint narrative:
I contacted the mortgage company approximately 2 months ago requesting assistance with paying my mortgage, since I had recently become unemployed. I provided all the requested information on XX/XX/XXXX 
They requested proof of being on unemployment, which was provided. They then requested the same information two or three times, extending the process. I was informed that in order to be approved, the mortgage had to be in current standing. So, I have really struggled to keep the mortgage current while awaiting the approval for assistance. 
I received a letter finally on XX/XX/XXXX. It stated that M & T Bank had received the additional information which was requested in order to complete the Loss Mitigation application. They stated they were in the process of reviewing the documents to determine if I qualified. 
I made a call into M & T this afternoon just to check that they had all the documents they had requested, and was informed that they had denied my application due to the fact that I did n't have a job. Well, yes, THAT was the REASON I was asking for assistance. They have offered no other options. I am at a point where I can not pay next month 's mortgage, which puts me in fear of not qualifying for assistance once I send in a request for review of the denial. 
I am flabbergasted that the programs designed to assist the homeowners when the times are temporarily difficult, would be unavailable due to the lack of income. If I HAD my job, I would not be asking for 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 2017-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: OH

Complaint narrative:
My wife and I have been separated since XXXX and we hold title to our home jointly. She just recently filed for a chapter XXXX bankruptcy and it was XXXX this month. All while this was going on I continued to make payments on time and was told there would be no issues as long as I made the payment. I belong to a credit reporting company and saw that my credit dropped significantly so I checked and XXXX XXXX reported I was 30 days late so I got on their website to check this out because I had not missed any payments, I noticed they were also charging me legal fees of {$740.00} and a filing fee of {$180.00} for my wife 's bankruptcy which I was never notified of either. Spoke to them and they are supposed to fix the credit violation they said it was their error but as far as the charges go they said someone had to absorb the legal fees and filing fee and that my monthly payment would change to absorb those fees. I spoke to a local bankruptcy attorney and he told me he had never heard of such a thing occuring. The only help I received from XXXX XXXX was that I was given an email address to contact them that came back undeliverable. Why when I was on the phone with their customer service representative? Everything that I have read is that this is not legal. Looking for answers because I cant get any from them and nor do I trust them. These charges were added to my account XXXX and the missing payment they reported was XXXX. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late on XXXX 2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I have been dealing with portfolio recovery is associates for quite some time now this is the second time since XXXX XXXX that they have close my accounts and then re-open them without my notificatioinhace proof I was not Notified of them opening my account back up after closing all of them

Company response to consumer: Closed with explanation