vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
XX/XX/2017 I didn't given out my information to these companies. Someone stolen my information. I am a victim of fraud. Now i have inquires on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: High Performance Capital
State: FL

Complaint narrative:
XXXX XXXX XXXX, was leased to me, I received a letter that if the car was resold it was going to be used partially to pay debt of car loan, it shows as opened past due when I dont have this car since XX/XX/XXXX please review

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
This inquiries was unauthorized. I have contacted all three credit bureaus as well as each one of the listed companies on several occasions. The credit bureaus have advised me there is nothing they can do about falsely obtained credit inquiries without letters from the companies that pulled my credit. I have reached back out to the reporting companies and advised that the pulls were obtained without my consent, and the companies have all refused to remove anything about them, I consistently am advised to wait 2 years for them to fall off, however these pulls were never authorized nor are they valid.. I am at my witts end and believe that I should not be held accountable for something on my credit report that is not only INACCURATE but illegally obtained. These inquiries all happened betweenXX/XX/XXXX-XX/XX/XXXX of XX/XX/XXXX. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
I received an alert from XXXX XXXX stating that I had received a derogatory collection account from Eastern Account Collections in CT. I immediately called the Company using the phone number provided by XXXX XXXX. The Collection Company confirmed that the account was paid in full and promised to remove the collection account from my credit report. More than a month has gone by and there has been no action to remove this derogatory account from my credit report. This account has caused my credit score to drop by 25 points.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my last effort to resolve this matter before I pursue to taking legal action. 
This company had reported an account on my credit report that I believed to be inaccurate and in violation of the FCRA. Hence, I wrote to this company not only disputing this account but asking them to prove the validate of it and asked that the item be removed if they couldnt produce the requisite information. No signed contract was produced to show this item belonged to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
In XX/XX/2008I was declared XXXX and tXXXX XXXX by SSI. I was unemployed and was having trouble repaying my loans. I was told I was out of all forbearance and deferments. I spoke to many customer service agents and at one time I began to plead and said that I was XXXX. All of a sudden I was put on hold and then they asked if I had proof and I said yes, so I sent them my letter from SSI which stated I was XXXX XXXX and that my case wasnt to be reviewed for 7 years. They then said they could put me on a special deferment and nothing more was said. Fast forward a few years, I found out that I had been eligible for complete and total forgiveness of my student loans due to my XXXX and the SSI letter I faxed them, and all of the information I had provided them. Not once was this information mentioned to me about XXXX   forgiveness. Instead I was put on continual deferments making my original loan payment balloon to more than twice what I originally borrowed. I feel this was just such a disgusting manipulation and intentional malice on the part of this company. Truly disgusting and dishonest behavior, to intentionally not mention that I had qualified for total forgiveness due to my XXXX XXXX which they were aware of. I had been unemployed and XXXX for many years. If I had known of this exception ; if I had been given this information by my loan servicer Sallie Mae, I could have applied for forgiveness, and due to me not being able to work for many years, my loans would have successfully been forgiven a long time ago. Many years later, I was able to receive proper medical help and have now recieved employment and am now off SSI, which is great. However, I now have a ballooned loan so big due to Sallie Maes special deferments for my XXXX that I will probably never be able to pay it off, and it angers me that this could have been forgiven years ago. Sallie Mae is a corrupt and dishonest company, and sucks money from and lies, even to XXXX people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have tirelessly tried to resolve this matter with this collection company but to no avail. I found this company had reported an account to my credit report which I believed was an invalid debt not belonging to me. I sent them by certified return receipt mail a debt validation letter dated XX/XX/2018, which they conveniently ignored. Concurrently when I disputed the item with the credit repositories, I was told that the debt collection company responded back to them affirming that this account was valid. I am appalled that this company continues to violates my rights and refuses to delete the account despite not being able to provide the original debt instrument.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Transunion failed to respond to my request for debt validation ( not verification ) on an alleged account reported to them by XXXX XXXX ( Not XXXX XXXX ) within 30 days as required by the FCRA. I submitted this request to Transunion on XX/XX/XXXX and did not receive the information required to validate the alleged debt from Transunion by XX/XX/XXXX as required by the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
In XX/XX/XXXX I needed to find some cash to pay off a high credit card bill and paint my house as it was in bad need. I called my mortgage lender Quicken to discuss my options. After several days, I was told I because of the amount of cash I needed my only option besides a ARM was FHA due to the loan to value ratio since my house didn't appraise high enough for a Conventional loan. Never at any time was a home equity line or second mortgage offered as a solution. After consulting with a few mortgage professionals I feel Quicken Loans did not fulfill their fiduciary duty of providing me with alternative loan options to the FHA loan they sold me. It has been brought to my attention that a home equity line of credit ( HELOC ) would have clearly been a better option. Quicken Loan took me, a repeat client, from a rate of 3.875 % ( 30 year fixed with 28 years until payoff ) to a 30 year fixed FHA loan with a rate of 4.75 %, hard costs of {$5100.00}, and monthly Mortgage Insurance of {$190.00}. In simple terms I paid {$5100.00} in fees, am now paying {$430.00} more a month, and reset my amortization term to 30 years to get {$22000.00} cash out. This does not take in to consideration that I am now paying approximately {$280.00} more in interest per month. Additionally mortgage insurance isn't a tax write off as with the interest from a second mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I placed an order for a new XXXX XXXX  XXXX phone under a trade in promotion where I was promised to get a {$200.00} credit for trading in my old phone making the cost of the phone {$650.00} ( {$850.00} minus {$200.00} credit ). Concurrently with this purchase I applied for a XXXX TD Bank card which would allow me to pay the phone in interest free installments. 

On XX/XX/2018 I received an e-mail from XXXX saying I was being charged an additional {$170.00} because the phone I traded in was not unlocked. That is a complete and utter lie as I traded both my wife and my phone together and did the same factory reset on both ( and then checked before sending them in ). This issue only happened with one phone. 

Upon contacting XXXX on XX/XX/XXXX I was told they would investigate and get back to me within two weeks. After not hearing back and contacting them again XX/XX/XXXX I was told the case was still being looked into. Frustrated with no progress and what seemed to be empty promises of actually looking into ANYTHING I contacted TD Bank to dispute the charge. 

On XX/XX/XXXX TD Bank sent me a letter saying they looked into my dispute and basically quoted XXXX 's original lie verbatim and for me to contact XXXX again which I did again today XX/XX/XXXX but  basically got nowhere with them. 

So in summary XXXX claims my phone was not unlocked but can't provide any evidence to back up that claim. They refuse to return my old phone so I can check this issue myself and TD Bank is just repeating what XXXX is saying. I'm not sure on how many more customers they are playing this game where they basically claim to give you a credit and then just steal your phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 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: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I wish to submit a complaint against XXXX XXXX and there services. I am complaining against there credit scorings system, I am very dissatisfied. XXXX XXXX lowered my credit cards line on two credit cards. XXXX XXXX are reporting false information to the Credit Bureaus due to my wife debt relief program. Her synchrony credit cards accounts are not active. 

Her credit cards accounts are closed due to shortage of working hours. I could provide statements and proof of letters that XXXX XXXX is using false information against my credit history. They are violating my rights. XXXX XXXX are basing my wife debt relief program against me. I have some concerns. These cards are not joint accounts. Here are the following names of the credit cards my wife have with XXXX XXXX   Walmart, JCPenny, XXXX XXXX XXXX, XXXX. 


I have same credit cards but separate from hers. Here are the following XXXX XXXX  credit cards that I have actively opened, XXXX. XXXX and XXXX, XXXX and XXXX know as XXXX XXXX XXXX credit card is at XXXX balance ( paid in full ). XXXX XXXX decided to closed this account without any authorization or permission. I am making monthly payments on the other 2 account with no problems. Keep in mind these credit cards are not joint account but they are using there credit scoring system against me due too my wife debt relief program. They are willfully violating my rights and using my information to damage my credit history and score with the credit bureaus. XXXX XXXX   stated that they do month to month monitoring credit check. I'm very concerned. I never heard banks checking credits on month to month bases. I think they are Discriminatory Credit Card Practices. Please forward my complaint to the right Department or the Consumer Financial Bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-05 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: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
This inquiry was unauthorized. I have contacted all three credit bureaus as well as the company in question about removing these unauthorized transactions from my credit report. Whenever I am calling, I am told to just wait the 2 years for the inquiries to fall off and there's nothing that can be done to remove them. I have asked for company to provide documentation that shows where I authorized these inquiries, and the companies have refused to provide documentation, as well as refused to remove the inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: NJ

Complaint narrative:
This company has placed TWO things on my credit report that are fraudulent. I NEVER received any notice that this company was going to place anything on my credit reports. Ever. Those " debts '' they placed on my credit have not been validated. Although, they claim they are valid. I would like VALID proof that these are my debts. Such as my signature on any ORIGINAL paperwork, video footage of me receiving any products/services. I have disputed this information time after time and they keep saying they're valid. I need proof of this ASAP. 

They also stated that the debt was valid on XX/XX/XXXX but after having to pay for credit reports I found out it was supposedly from XX/XX/XXXX/XX/XX/XXXX. Very crooked practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 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: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
This inquiry was unauthorized. I have contacted all three credit bureaus as well as the company in question about removing these unauthorized transactions from my credit report. Whenever I am calling, I am told to just wait the 2 years for the inquiries to fall off and there's nothing that can be done to remove them. I have asked for company to provide documentation that shows where I authorized these inquiries, and the companies have refused to provide documentation, as well as refused to remove the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This inquiry was unauthorized. I have contacted all three credit bureaus as well as the company in question about removing these unauthorized transactions from my credit report. Whenever I am calling, I am told to just wait the 2 years for the inquiries to fall off and there's nothing that can be done to remove them. I have asked for company to provide documentation that shows where I authorized these inquiries, and the companies have refused to provide documentation, as well as refused to remove the inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-05 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am brining to your attention a matter that has significantly disrupted my life and caused me severe hardship. This collector continues to report an account on my credit report that should not be there. On XX/XX/2018, I wrote to this company and had them served notification of my dispute by certified return receipt mail where I asked them to either validate or delete the account from my credit report.. I asked that they produce my signature to show where I agreed to pay this alleged debt along with all other documents that I may have signed and agreed to. No such documents were produce and yet the company just kept on reporting the account on my credit report as a valid account despite my dispute to the credit bureaus. My legal counsel has advised me that this is a violation of Sec 809 of the Fair Debt Collection Practices Act that is enforceable in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: VA

Complaint narrative:
The ATM user ( me ) requests a needed withdrawal of {$200.00} and agrees to the terminal fee of {$3.00} for the withdrawal. The ATM machine dispenses AGAINST MY WILL only a portion, for this instance only {$20.00} as " was able '' by the ATM. I was NOT GIVEN A CHOICE TO OPT OUT - the ATM spit out the {$20.00} bill and closed the transaction. {$23.00} for a {$20.00} withdrawal. I fell victim to a charge of 16.25 % charge for this withdrawal. 

Should'nt I have been alerted by this ATM that the {$200.00} was unavailable and given an opt-out alternative prior to the dispense of funds? 

This happens all of the time to millions of ATM customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 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: BB&T CORPORATION
State: GA

Complaint narrative:
This inquiry was unauthorized. I have contacted all three credit bureaus as well as the company in question about removing these unauthorized transactions from my credit report. Whenever I am calling, I am told to just wait the 2 years for the inquiries to fall off and there's nothing that can be done to remove them. I have asked for company to provide documentation that shows where I authorized these inquiries, and the companies have refused to provide documentation, as well as refused to remove the inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 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: GA

Complaint narrative:
This inquiry was unauthorized. I have contacted all three credit bureaus as well as the company in question about removing these unauthorized transactions from my credit report. Whenever I am calling, I am told to just wait the 2 years for the inquiries to fall off and there's nothing that can be done to remove them. I have asked for company to provide documentation that shows where I authorized these inquiries, and the companies have refused to provide documentation, as well as refused to remove the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 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: NY

Complaint narrative:
This account with XXXX XXXX XXXX XXXX was never late, however it is showing late payments on my credit report. The creditors have asked me to dispute it with the credit bureaus. below are the months that are reporting late. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/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