vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
THE CONTRACT OF THE LEASE TERM WAS TERMINATED WITH FULL PAYMENT, HOWEVER, THEY ARE STILL REPORTED ON MY CREDIT REPORT AS TOADY, ACCOUNT IS STILL OPENED, WHICH IS ILLEGAL FOR A DEALER TO REPORT A LEASE OF TERMINATION ON SOMEONE CREDIT REPORT, IF THIS ACCOUNT DOES NOT REMOVED IN THE THE 72 HOURS, I WILL SEEKING LEGAL ACTION ON THE SECTION 603.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Hunt & Henriques
State: CA

Complaint narrative:
On XX/XX/2015 I was granted a Chapter XXXX discharge of debt from the U.S. Bankruptcy Court, XXXX District of California which included two judgments awarded to XXXX XXXX and their subsidiary XXXX along with their collection agents XXXX XXXX XXXX and XXXX XXXX ; specifically, Case No. XXXX ) & (  XXXX XXXX. XXXX ). XXXX, XXXX and XXXX complied with the court order and removed the debts from my credit profile but XXXX XXXX and Hunt & Henriques did not and failed to release the liens they placed on my property despite having been notified by the court via First Class Mail and electronic transmission in XXXX of 2015. 

XXXX XXXX and Hunt & Henriques have and continue to abdicating their duty to me and the U.S. bankruptcy court despite multiple ( FAX ) requests from XXXX XXXX XXXX of XXXX, XXXX Processing and XXXX XXXX XXXX requesting compliance with the court order and release the liens. It has become clear that neither XXXX XXXX nor Hunt & Henriques have any intention to release the liens on my property so I respectfully request the CFPB to intervene to the fullest extent possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: NC

Complaint narrative:
Last time I checked, companies are supposed to inform me before putting negative information on my credit report. Besides the fact that I have no idea who the company below is, this company has just put stuff on my credit report without even warning me about it.I ask that get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for.. Delete XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-22 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/19 I placed an online order with company XXXX XXXX XXXX XXXX California. This order was for a regularly stocked motorcycle part, and should have shipped within 30 days. This order was placed with a Navy Federal Credit Union credit card. The purchase price was {$1300.00} After receiving no shipping information for over 30 days, I contacted XXXX XXXX on XX/XX/19 via email and did not receive a response. After another email was sent on XX/XX/19, I was told my order would be shipping XX/XX/19. After failed attempts to contact the seller after this date, I canceled my order on XX/XX/19. The owner of XXXX XXXX informed me the refund should be visible on my Navy Federal Credit Card within 2-3 business days. 

No refund was received, and I started the dispute process with Navy Federal Credit Union. I provided copies of emails from the merchant, where he explained in writing my order had been cancelled. A temporary credit was issued by Navy Federal Credit Union. On XX/XX/19 I received a letter from Navy Federal Credit Union informing me that no billing error occurred and I would still be responsible for the charges of {$1300.00}. 

There have been several XXXX complaints filed against XXXX XXXX for similar issues with no resolution from the Company. 

It is unfortunate that Navy Federal has chosen not to protect its members from fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-22 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: OH

Complaint narrative:
On XX/XX/19 I returned a water dispenser to XXXX XXXX XXXX. XXXX XXXX accepted the equipment and emailed me the return form which brought the balance down to {$0.00} as she stated I was only being charged for the equipment. She then emailed me a screenshot of her computer screen showing {$0.00}. I have now opened 2 disputes with both Experian and XXXX regarding XXXX XXXX XXXX XXXX intentionally reporting incorrect information on all 3 of credit reports. The credit bureaus are allowing this with fake investigations even with me having documented proof the info needs to be updated and removed. When speaking with XXXX on XX/XX/19, I got the run around and a younger XXXX XXXX XXXX with an aggressive undertone stating he'd call me back without even knowing who he was talking to. I made a 2nd visit to XXXX XXXX after this call to see if I could work directly with them to clear this up. I spoke with the route manager XXXX. He pulled up the account and verified for the 2nd time there was a {$0.00} balance. He couldn't find any existing bills. He gave me XXXX collections dept # to call, I called at XXXX and was left on hold with no answer until XXXX when they closed and phone disconnected. All of these companies are in total violation of fair reporting laws. I know for a fact XXXX can not verify I owe them {$340.00}! That's how I know the credit bureaus are not really researching anything. I will be opening up a complaint with the attorney general if this situation doesn't get researched and rectified at once!

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 2019-08-22 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: NC

Complaint narrative:
Last time I checked, companies are supposed to inform me before putting negative information on my credit report. Besides the fact that I have no idea who the company below is, this company has just put stuff on my credit report without even warning me about it.I ask that get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for.. Delete XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, 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 2019-08-22 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:
Please note that the mentioned companies listed are not entitled to check my credit history, it is not authorized, I never received any correspondence from them, I don't have an account with them and therefore must be deleted from all my credit reports XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: NC

Complaint narrative:
Please note that the mentioned companies listed are not entitled to check my credit history, it is not authorized, I never received any correspondence from them, I don't have an account with them and therefore must be deleted from all my credit reports XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, 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 2019-08-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: CT

Complaint narrative:
I switched jobs and informed sallie mae i would not be able to pay on time. They told me that I would have a 15 day grace period and their would be a late fee. I said i would not be able to make it in that window. They said too bad you'll need to speak to collection the person i spoke with refused to let me speak with his supervisor. Wait a week until your bill os past due. When i called i discovered that my $ XXXX  monthly bill had a late fee which doubled it to XXXX. I sat on hold trying to get to collections for over an hour. I used their online customer service to temporarily change my payment plan. However my complaint is bring filed due to the predatory nature of their practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: TX

Complaint narrative:
Iberiabank serviced a fraudulent mortgage loan on the basis of a mortgage note on our property ( Addressed at : XXXX XXXX XXXX, XXXX, TX XXXX ) on the XX/XX/2018. The mortgage loan has been recorded in the XXXX System with the mortgage identification number of XXXX. 

https : //www.iberiabank.com XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Since we did not have any legal business relation with this bank I need to know the following information : 1. Was Iberiabank licensed as a mortgage loan servicer in Texas in 2018?

2. Who was the borrower of the fraudulent mortgage loan?

3. When was the mortgage note executed?

4. When was the mortgage loan account opened and when was it closed?

5. Who is the lender of the fraudulent mortgage loan?

6. Has there been a deed of trust executed in XXXX   County or anywhere else for this mortgage loan?

7. What was the loan amount of this fraudulent mortgage loan? 

Since this was a fraudulent loan and was issued against our property, I believe we have the right to know all these information with evidences for any claim against the fraudulent lender for this 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 2019-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/19 I returned a water dispenser to XXXX XXXX XXXX. XXXX XXXX accepted the equipment and emailed me the return form which brought the balance down to {$0.00} as she stated I was only being charged for the equipment. She then emailed me a screenshot of her computer screen showing {$0.00}. I have now opened 2 disputes with both XXXX and Equifax regarding XXXX XXXX XXXX XXXX intentionally reporting incorrect information on all 3 of credit reports. The credit bureaus are allowing this with fake investigations even with me having documented proof the info needs to be updated and removed. When speaking with XXXX on XX/XX/XXXX, I got the run around and a younger XXXX XXXX XXXX with an aggressive undertone stating he'd call me back without even knowing who he was talking to. I made a 2nd visit to XXXX XXXX after this call to see if I could work directly with them to clear this up. I spoke with the route manager XXXX. He pulled up the account and verified for the 2nd time there was a {$0.00} balance. He couldn't find any existing bills. He gave me XXXX collections dept # to call, I called at XXXX and was left on hold with no answer until XXXX when they closed and phone disconnected. All of these companies are in total violation of fair reporting laws. I know for a fact XXXX can not verify I owe them {$340.00}! That's how I know the credit bureaus are not really researching anything. I will be opening up a complaint with the attorney general if this situation doesn't get researched and rectified at once!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-22 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: Collection Bureau of America Ltd.
State: OH

Complaint narrative:
On XX/XX/19 I returned a water dispenser to XXXX XXXX XXXX. XXXX XXXX accepted the equipment and emailed me the return form which brought the balance down to {$0.00} as she stated I was only being charged for the equipment. She then emailed me a screenshot of her computer screen showing {$0.00}. I have now opened 2 disputes with both XXXX and XXXX  regarding collection bureau of America intentionally reporting incorrect information on all 3 of credit reports. The credit bureaus are allowing this with fake investigations even with me having documented proof the info needs to be updated and removed. When speaking with CBOF on XX/XX/XXXX, I got the run around and a younger XXXX XXXX XXXX with an aggressive undertone stating he'd call me back without even knowing who he was talking to. I made a 2nd visit to XXXX XXXX after this call to see if I could work directly with them to clear this up. I spoke with the route manager XXXX. He pulled up the account and verified for the 2nd time there was a {$0.00} balance. He couldn't find any existing bills. He gave me XXXX collections dept # to call, I called at XXXX and was left on hold with no answer until XXXX when they closed and phone disconnected. All of these companies are in total violation of fair reporting laws. I know for a fact CBOF can not verify I owe them {$340.00}! That's how I know the credit bureaus are not really researching anything. I will be opening up a complaint with the attorney general if this situation doesn't get researched and rectified at once!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
XX/XX/XXXX I went out of town to XXXX for spring break. Im fairly young and had complications with my trip which cause me to change roommates. I invited 1 person but that person brought 2 other people. I was friends with one person, so I just welcomed my guest. I was banking with Bank of America and I had a checking account. By the end of my trip which was XX/XX/XXXX or XX/XX/XXXX, my banking app, notes, and my XXXX was used in my sleep. I wasnt aware of what happened until my flight back home I wasnt able to get a XXXX not realizing my card was locked. I talked to the bank and there were over {$7000.00} of charges on my card. I told the bank I did not do it and confirmed the last charges I did make. I did not know the man who actually did it I just know a street name, and we come from 2 different states so I wasnt sure how to make a police report or if it would even help. I notified the bank and then I was told the money wasnt even real it was some type of fake money or foreign currency. They took {$3000.00} off of my balance, but said the remaining {$4000.00} is my responsibility to pay. I never used any of the money, it was not even possible on my end since my account was already locked when I tried to get in it. I dont understand how I am still responsible for paying if I already confirmed my last charges as well as the money that was attempted to be transferred through my account was not real. I was sent on several goose chases speaking to different representatives just for them to have me wait 60 days for them to say the same thing. I made Bank of America aware of my living conditions as well as age, yet there was no help. I never even put {$7000.00} in my checking account since I had it because I do not make that much of income.

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 2019-08-22 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: HI

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX and XXXX   XXXX XXXX  The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

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 2019-08-22 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On my experian credit report /open new credit card/loan, account type new, balance XXXX XXXX open date XX/XX/2019 XXXX XXXX XXXX XXXX I dont recognize this 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 non-monetary relief
Consumer complaint received 2019-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX  XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: HI

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX  ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

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 2019-08-22 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I applied for a Capital One card, and got approved but they never sent the card to my house. Apparently they sent the card to someone because they claim I owe {$1700.00}. How I could owe {$1700.00} when I never received the card in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: CITIBANK, N.A.

Complaint narrative:
My citibank Card Number is XXXX XXXX XXXX XXXX. 
My citibank CD ( # XXXX ) matured on XX/XX/2019. After I came back from my trip in early XX/XX/XXXX, I found that CD was renewed by Citibank. 
I called citibank customer services ( XXXX ), and asked them to cancel it and transfer all the money to my saving account because that I could not accept that citibank was able to handle my deposit on its own without notifying me. 
To my surprise, the amount of money transferred from the CD to the saving account decreased by {$260.00}. The balance of my CD is {$38000.00}. What was transferred to my saving account is {$38000.00}. 
I havent received any notifications from Citibank about the CD of mine, including letters and emails, I declare again. 
For which, I have repeatedly contacted Citibank customer services to ask them to correct their mistakes and refund me $ XXXXbut they have not yet done so.

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 monetary relief