vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-08 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
This company has accessed my credit file with XXXX on XX/XX/XXXX and XX/XX/XXXX. I have written to the company to request documentation supporting their permissible purpose for this access, and have not had a response from them. I have also tried to resolve this issue with XXXX, but they refuse to investigate disputes as required by the Fair Credit Reporting Act. If they did, they would note that I have never filled out a credit application with the automobile dealer who sent information to this company on XX/XX/XXXX. Accordingly, without documentation to support permissible purpose, these inquiries should be removed from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 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: NC

Complaint narrative:
This company has accessed my credit file with Equifax on XX/XX/XXXX and XX/XX/XXXX. I have written to the company to request documentation supporting their permissible purpose for this access, and have not had a response from them. I have also tried to resolve this issue with Equifax, but they refuse to investigate disputes as required by the Fair Credit Reporting Act. If they did, they would note that I have never filled out a credit application with the automobile dealer who sent information to this company on XX/XX/XXXX. Accordingly, without documentation to support permissible purpose, these inquiries should be removed from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 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: LendingPoint Holdings LLC
State: PA

Complaint narrative:
On XX/X/17 I received an email from LendingPoint LLC stating that my application for a loan had been denied. The email contained numerous pieces of personal information including my name, home address, and credit score via XXXX. I have never sought a loan from this company and have never authorized any hard credit pull of my account by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
I sent a validation letter to XXXX XXXX on XX/XX/XXXX. I received a letter indicating that the debt was valid. I found multiple issues with there findings which are listed below : 1. The last payment date on the payment history report is XX/XX/XXXX but the loan was not disbursed until XX/XX/XXXX. 
2. The first transaction was listed as XX/XX/XXXX, again that does not match the last payment date of XX/XX/XXXX 3. They have a signed contract without a date but a signature with a date of XX/XX/XXXX but the contract date was XX/XX/XXXX. 
4. On the Disclosure Statement of repayment, the disclosure date is for XX/XX/XXXX but the disbursed date is on XX/XX/XXXX. 

Clearly, these dates are not matching up.

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 2017-11-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Summary : XXXX XXXX XXXX XXXX XXXX XXXX ran a hard credit inquiry against my account without my authorization and after I explicitly informed them that I do NOT consent to a credit check. 

Details : While shopping for home internet service in  XX/XX/XXXX, I was considering XXXX XXXX XXXX. Presumably because I configured an order on their website, but not did not conclude the transaction, XXXX XXXX XXXX ran a credit check. 
I later concluded my research and placed an order with XXXX XXXX XXXX on XX/XX/XXXX. I placed the order via telephone. I avoided the website as I wanted to explicitly inform XXXX XXXX XXXX that I would only place the order if they agreed not to run another credit inquiry. The representative agreed to that. She informed me that instead of asking for my social security number, a driver 's license number would suffice. I again asked if the drivers license number would be used to run a credit inquiry. She replied in the negative. The order was placed and I have now seen that XXXX XXXX XXXX did, in fact, run a credit inquiry through Equifax. I believe XXXX XXXX XXXX used information they collected previously, or through information contained in my account as an XXXX XXXX XXXX XXXX customer to access my credit report ( s ) without my consent. 
The relief I am seeking is that those inquiries ( both XX/XX/XXXX and XX/XX/XXXX ) be removed from my Equifax file. 
I did call XXXX XXXX XXXX but was routed from one department to another, with representatives telling me each time that " the system '' just runs the credit checks and they have no control over it. 
I realize this may seem like a trivial matter. However, we have worked hard to earn and protect our credit scores. XXXX XXXX XXXX 's actions have made a material impact on my current score and, moreover, their blatant disregard for a consumer 's stated directives should not stand. 
Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: MI

Complaint narrative:
OCC # XXXX WORKING ON RESOLUTION, XXXX WAS MY MORTGAGE HOLDER AND I PAID MY HOUSE NOTES TO XXXX. THEY RAISED MY HOUSE NOTE 100 % FORCED ME INTO FORECLOSURE BY RAISING IT FROM XXXX TO XXXX AND I PAID THEM XXXX ON MY FIRST LOAN LOAN # XXXX TO GET OUT OF FORECLOSURE BUT WOULD NOT COME DOWN FROM XXXX. THIS IS THE ONLY LOAN THAT WAS FORECLOSED ON AND LOAN XXXX WERE NEVER FORECLOSED ON. 

THE SHERIFF 'S DEED ACTION YOU SPEAK ON XX/XX/XXXX ARE FROM LOAN # XXXX. 

ON A LETTER THAT I JUST RECEIVED DATED XX/XX/XXXX YOU STATE. BELOW, YOU SAID XXXX GAVE A QUIT CLAIM DEED TO XXXX XXXX. THEN YOU SAID XXXX XXXX AND HIS DAUGHTER XXXX XXXX  PURCHASE THE PROPERTY FROM XXXX XXXX FOR XXXX IN COMPLAINT XXXX XXXX XXXX XXXX OF XXXX XXXX STATED THAT THEY FACILITATED THE SALE ON XX/XX/XXXX. 

ON XX/XX/XXXX YOU SAID THE XXXX PURCHASED THE PROPERTY FROM MY LENDER XXXX XXXX XXXX FOR XXXX. 

ON XX/XX/XXXX XXXX XXXX XXXX MY SERVICER PROVIDED ME A DISCHARGE OF MORTGAGE AND CONGRATULATED ME ON A PAID UP LOAN AND THE OCC ARE WORKING ON A RESOLUTION ON MY BEHALF IN REFERENCE TO THE CASE ABOVE. 

PLEASE TELL THE FACTS OF WHAT TRULY HAPPENED?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I saw charges on my account that were not authorized - when I contact company they refused to show proof or even explain the unauthorized charges by them - they marked my payment as late and it was n't even due yet. I closed my account on XX/XX/2017 and they are still showing it open and showing late payment on my credit card when the card has been paid in full and closed on XX/XX/2017.

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 2017-11-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I saw that XXXX was listed as a hard hit to my credit. however, I have a pre-paid phone service and that does not require a credit check. When I tried to go to Experian to dispute it, first I had to order a credit report. Their website said I could click " dispute '' but when I did, I was sent to the form to order another credit report. Their website gives intentionally misleading instructions in order to discourage disputes. The only other way to contact them online required me to upload a document but when I uploaded my copy of their credit report the website would not accept it. In the text of my complaint, I stated I felt it was criminal for them to profit from mining personal date from people and publishing false and/or potentially damaging reports about them without their permission. Then their website said I could lnot submit my report because the word " criminal '' was obscene. Their website is intentionally rigged against disputing the false items they publish for profit.

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 2017-11-08 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: NV

Complaint narrative:
I have made several attempts to remove unauthorized inquiries from my TransUnion Credit report. They had several different name profiles on my credit report that do not belong to me. I have called several times to have these removed. With previous fraud alerts on my credit report, they are still refusing to remove my inquiries. The Following inquiries were not authorized by me : XXXX XXXX XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, and 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 2017-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/X/17 I received an email from XXXX XXXX stating that my application for a loan had been denied. The email contained numerous pieces of personal information including my name, home address, and credit score via TransUnion. I have never sought a loan from this company and have never authorized any hard credit pull of my account by them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This complaint is in reference to a personal checking account that was opened during the year of XX/XX/XXXX. The account is currently closed. 

Approximately around early XX/XX/XXXX, I walked into a branch in XXXX ( XXXX XXXX XXXX XXXX XXXX, CA XXXX ) to request a document known as the : Paid Item Check Intracycle to confirm and verify that a series of cashier 's checks were purchased and paid to the payee described in the instrument. ( XXXX XXXX ) I spoke to a banker named XXXX and explained how critical and important it was to receive these documents since I am a plaintiff for a lawsuit related to an illegal foreclosure. I explained the narrative of my case and even advised I have a court trial in early XX/XX/XXXX.I left him copies of all the Cashier 's Checks and he assured me I will receive this information in a timely manner. During mid XX/XX/XXXX, he provided a folder and advised all the information was contained inside. Upon reviewing the documents, I only received one document referenced as : Paid Item Check Intracycle form for one Cashier 's Check purchased XX/XX/XXXX ending in the sequence XXXX. I have not received anything by mail or a call from the branch thereafter. I tried to call a few times, yet was unsuccessful.The defendant in the case is claiming these checks were never received nor paid to. It is imperative I receive these documents to present to court in a few weeks. Up to now, I have had a very challenging experience in retrieving them from Citi Bank. I have attached all copies of these Cashier 's Checks for your review.

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 2017-11-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I had a credit account with XXXX. I live in the XXXX, TX area and was flooded out by Hurricane XXXX in XX/XX/XXXX. I lost everything. I received an email from XXXX saying they are here to help. So, I called them and explained the situation and that I would not be able to make a payment for a while. They said that was fine. I specifically asked them if there would be any late fees or would I be reported to the credit bureaus as late. They said no. I check my credit report and they are reporting me as two months late. I do n't wish to do business with a company like this so I closed my account and will pay the balance, but I want the late report taken off my credit report. I have paid my bill on time ever since I opened this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had opened a checking account with Bank of America a few years ago, and I had gotten a secured credit card. Unfortunately I had overdrawn the bank account, and my card went to collections. 

In XX/XX/XXXX, I went into a Bank of America location to pay both accounts off in full, in cash. Upon attempting to pay my debt in the branch for the secured credit card, they told me they were unable to accept my payment. They did however accept payment for my Checking account. 

I have been denied opening a checking account at a local credit union in XX/XX/XXXX. They told me to investigate with XXXX XXXX. 

I contacted XXXX XXXX, and Bank of America is not on my report, however, I was told by the branch manager, that the checking account from Bank of America was not showing paid. 

I have contacted Bank of America in an attempt to have documentation forwarded to myself and the local credit union. They told me that they were sending this documentation via fax to my credit I attempted to pay the debt in XX/XX/XXXX, and I feel that it should reflect that. I am paying the balance in full today, XX/XX/XXXX, as I have been informed by Bank of America 's collections department, that I CAN indeed pay in the branch. I was told that if I had any problems paying this debt, to contact Bank of America back at XXXX, and speak with a supervisor. Unfortunately the supervisor also told me they were unable to adjust the report to the credit bureaus. 

I feel that Bank of America has violated fair debt collection practices by refusing my payment in 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 non-monetary relief
Consumer complaint received 2017-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I have filed several complaints with cfpb in regards to this creditor this acct was supposed to be a settlement in full yet they are still reporting delinquent acct on at least two credit reporting agencies my next step is legal action also this acct is stating as a charge off how is that possible when I several letters of proof of settlement and my car title

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
They ignore all request ,They ignore Federal Judge XXXX XXXX ,They ignore their attorney  XXXX XXXX  XXXX XXXX XXXX XXXX They ignore my attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have requested an Amortization schedule  or a payment schedule so that I might know how much has gone to interest and how much has gone to the principle And what is my remaining balance  Planet home lending has never in 8 years even given any form of payment  Making it totally impossible to refinance  Their attorney XXXX XXXX  has approached Planet home lending LLC  requesting the amortization schedule  ,And has further noted they do not know how to make up that statement

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: CA

Complaint narrative:
Trident Asset Management is reporting two collection accounts on my credit reports. Both of these accounts state that they are for a utility, in the amounts of {$420.00}, and {$310.00}. Trident lists the opening dates as well as first delinquency dates in XX/XX/XXXX. No mailing address was provided for Trident on any of my credit reports, which is issue number 1. How am I supposed to reach or correctly contact Trident with incomplete contact information? Issue number 2 is that I have not had a utility in my name for years and I most definitely have never had a Trident account. They do n't even list who the original creditor is or their contact information. Now onto my biggest issue with Trident, issue # 3. I have been fighting Trident for several years now about this account that I keep stating, does n't belong to me. Trident insists that I owe these debts and they keep changing the dates as to first opening, etc. to suit their needs. I have past credit reports that show different opening and delinquency dates on them. The last time I made contact with Trident was for debt validation back in XX/XX/XXXX in which they responded back with a letter stating again that I owed these balances, along with an account summary of the bills supposedly in question. I went ahead and contacted the original creditor on said summaries ( XXXX ) and gave them the account numbers listed. XXXX told me there were no such accounts in their system. No accounts listed under those account numbers, my name, or the addresses listed for me on these summaries. I even had XXXX transfer me to their recovery department to see if maybe one of these accounts had been transferred as a bad debt, and the result was the same. No such accounts were found. I then filed a complaint with the Better Business Bureau ( BBB ) against Trident and after months of back and forth, the complaint was closed with no agreement from either party. 

Fast forward again to today, in which I am filing this complaint with CFPB. Trident continues to report false information on my credit records and I do n't know how many times I have to tell them that these accounts are not mine! I stopped trying to fix this with Trident as I clearly was unsuccessful in all attempts at getting any resolution, but Trident keeps adjusting the time frames on my credit files, which I can no longer sit back and let it ruin my credit that I have worked so hard to keep on track. 

Another note ... The account summaries that Trident provided to me are dated XX/XX/XXXX and XX/XX/XXXX. How can I have opened an account in XX/XX/XXXX ( as stated on my credit reports ) if these bills which Trident says are mine, were opened years before?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services
State: NC

Complaint narrative:
I understand that I borrowed the money because my mom was XXXX so she is not able to work so I 'm helping paying the bills such as ( light, water, cable, insurance, food, phone and etc ) This company is very RUDE they do n't understand things happen. 

During my time with this company I received these comments : I told XXXX you werent going to payment but I guess he tried to believe you ( XXXX said that! ) I asked to not be called at my employment, ( I even sent an email handwritten to not call at my employment ) XXXX XXXX from the XXXX NC location called XX/XX/XXXX saying " Hey XXXX, are you going to make your payment '' I said I will call back on my lunch break please stop calling me at work '' this is so annoying! 

XX/XX/XXXX I called and ask the branch manager for the original copies of my contract I finally received them XX/XX/XXXX. ( I guess he stated he was busy ) I called XX/XX/XXXX to ask to why my charges are extremely high if I only received ( 3 ) checks in the amount of : {$1100.00} ( XX/XX/XXXX ) {$390.00} ( XX/XX/XXXX ) {$120.00} ( XX/XX/XXXX ) Which is ALL a total of {$1600.00} ( so your telling me it 's THOUSANDS of dollars in INTERST! ugh NO! ( explanation please! ) When I called XX/XX/XXXX I was on the phone with a sweet lady name XXXX and she could not figure out why my charges are extremely high. This company needs to be investigated. 

Then I get legal papers that say {$830.00} OWED, {$650.00} INTEREST {$9000.00} HOW! 

I 've sent an email to XXXX XXXX XXXX, XXXX ( Chief Administrative Officer ) XX/XX/XXXX with no reply or anything!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tribal Lending Enterprise, Inc.
State: TN

Complaint narrative:
A payday loan was obtained with my personal information without my knowledge or consent. The loan amount was {XXXX} and deposited directly into an account with XXXX XXXX where I do not have an account and when I called them and gave them the account number I was informed that the account was not in my name.

Company response to consumer: Closed with explanation