vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-27 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: TX

Complaint narrative:
I have several unauthorized credit inquiries on on credit report through Transunion that I did not authorize nor have knowledge of requesting with my approval. I have attached documentation of all inquiries on my report.

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 2017-11-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient, the manager of the my Federal Student Loans, has no right to collect on my student loan balance because the majority of the debt was incurred by my attendance at the University XXXX XXXX ( XXXX ) ; a now defunct For-Profit educational institution. For example, XXXX XXXX XXXX, the former president of the XXXX XXXX XXXX, purposely solicited unqualified students to attend the university campus in order to get more Title 4 Funding from which he could personally profit ( I was one of those students ). XXXX XXXX is well-known for achieving the de-certification ( XXXX ) of XXXX XXXX College before joining the staff of XXXX 's XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ). Furthermore, the alleged " fake degrees '' that they purported had no value in the contemporary United States Job Market ( I have never received employment related to my degree from XXXX ( i.e. XXXX : no XXXX positions at all ). Also, XXXX XXXX hired his sister to manage the accounting of the campus so that the numbers were " solvent '' enough to report to the main campus in XXXX, AZ ( XXXX XXXX XXXX XXXX, XXXX, AZ XXXX ). Furthermore, XXXX XXXX 's cronies, like XXXX XXXX and XXXX XXXX XXXX, " enforced '' XXXX XXXX 's policies so that there was no regression or ability for staff or students to address any internal financial or policy issues with the campus. 

To wit, I am claiming the Borrower Defense Against Repayment '' Statute embedded in Federal Law as the basis for my release from this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Bank is blocking access to financial data, concerning, third party applications. such as coinbase. crypto currency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 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: WI

Complaint narrative:
Good Morning, Not too long ago, I obtained a copy of my Credit report and was shocked to find a credit inquiry by from the following companies ( transunion, XXXX and XXXX )  listed below and that I do not recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it beforehand. Please have this inquiry removed from my credit file because I believe I did not authorize this inquiry. I have reached out to each company several times with certified mail, phone calls and faxes and no responses. This is hindering me daily with fixing my credit for not only for myself but to also become a homeowner in the near future. 

Under the Fair Credit Reporting Act, your action constitutes a violation on my rights, which is illegal and causing severe damage to my credit rating. 

I would appreciate your immediate attention to this matter. Kindly forward me documentation that you have had the inquiry removed. 

Otherwise, please send me proof of such authorization, if you find that I am confused, and you did have my authorization to inquire into my credit report. 


Transunion & XXXX that should be removed did not authorize XXXX/XXXX Inquiry from XX/XX/XXXX & XX/XX/XXXX  XXXX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX- Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX that should be removed did not authorize XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from 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 2017-11-27 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: AL

Complaint narrative:
I called Equifax to dispute inquires that I know for a fact were not authorized by myself. These inquiries should not have been allowed to be placed on my file since I did not authorize them. They were not court ordered, for employment, insurance nor for an offer of credit for myself. My dispute came back verified and I know this to be u true as I never attempted to gain credit with ANYONE other then a credit card! This is unsatisfactory and AGAINST THE LAW!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I received a Lowes ( Synchrony ) card in XXXX of 2017 with a limit of {$3000.00}. I purchased a hot water heater and a few other items and paid it off before the 6 months interest rate promotion was over. In the Summer I attempted to purchase a few more items and was denied because my credit limit was reduced significantly to {$100.00}, I was in the store, spoke to customer service and they called to see what was going on. I was told that they did a credit check and decided to reduce my credit limit. I was livid and they said there was nothing they could do and maybe in 6 months I could see if the credit limit could be increased. I proceeded to purchase the items with the credit I had available and immediately paid that off when the bill came. Fast forward to last week, I received a letter stating the account has been closed because of a credit check. Please note, I do n't have a balance on this card. I believe this credit card company has ruined my credit. I have other store cards and credit card companies increasing my limit while Lowes/Synchrony is decreasing my limit and closing 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 2017-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo is in violation from XXXX XXXX XXXX XXXX. in XXXX, TX : VIOLATION # 1 : This locations told me that I need to get a Power of Attorney in order to sign for my husband 's checks. 

The violator : XXXX XXXX between X/2017 - X/2017 VIOLATION # 2 : I was severely inconvenienced.

VIOLATION # 3 : My husband NO LONGER HAS A CHECKING ACCOUNT with Wells Fargo which in the negative of - {$260.00} or so because I could NOTEver get a Joint Banking Account. 

They have gone against bank regulations regarding who can sign for husband 's or wives according to the Consumer Finance Protection Bureau. SEE ATTACHED DOCUMENTS. Police Incident Report is a LEGAL DOCUMENT IN WHICH MY HUSBAND STATES TO THE POLICE THAT I AM HIS WIFE. 

In passing I ran into an attorney, who said all I have to do is open an account for my husband and I. Show the necessary legal document showing that were married. And that I do n't need a POA to sign for my husband because I am his spouse. 


I am the agent. Anyone after a spouse would have to get a POA. There is a clause that protects you as " the spouse ''. 

*********NOWHERE DOES THIS STATE THAT I NEED A POWER OF ATTORNEY**** The banks need to be exposed for not honoring the fact that you are his wife. He does not have to be there to sign. You are not committing fraud because you are getting what you are entitled to 50 % which your portion of the community property. This law is located in the Texas Penal Code. Not only is the bank going against CFPB but the TEXAS PENAL CODE. You are NOT forging his name either you both are married and that means ONE. Verifiable : Screenshot of CFPB bank regulations.

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 2017-11-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
I have been trying to resolve this matter with a loan modification or other loss mitigation options. I submitted a loan modification package and have n't received a response as yet. My home was tied up from a divorce matter and my initial hardship came from an illness that left me physically incapacitated for awhile. I was unemployed for some time as well. I have recovered and can workout this matter. 
In XXXX, my home was damaged significantly from Hurricane Irma and I have a pending Insurance claim that my lender is aware of and I 'm not able to have fair, due process if there 's a pending foreclosure sale date. I also have a pending FEMA application open. I want to resolve my situation, but there are so many inaccuracies with the accounting and even escrow balance/transaction history on my account. I sent out a Qualified Written Request letter and have n't received a response as yet. Their attorneys are n't forthright and I 'm fighting several battles that could be resolved if I can have my lender actively involved with the resolutions. Instead their attorneys are making claims that there is no insurance or FEMA claim open and it was closed out in XXXX-when this is n't true. 
I 'm also fighting against the attorney 's unscrupulous tactics to close a file. This is my homestead. If I could gt the lender involved to engage in the workout/mitigation process then I am sure, we can have a mutual resolve. When there 's a constant sale date rescheduled every 30 days, it 's impossible to have the lender review my paperwork because of their internal procedures and timeline required for the State of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Purchased a Mattress from XXXX on my XXXX XXXX  Credit card. Was delivered three, charged for 2.  First delivery, damaged in shipment and not delivered. 2nd Shipment delivered. 3rd delivered and delivery refused and told by amazon to me to do. I also purchased an XXXX Gift Certificate for XXXX dollars to receive a XXXX dollar bonus which also appears on my statement. Talked with XXXX dispute resolution and they stated i could only dispute the charge for the extra mattress. Unfortunately, the charge appears as one line item, but in actuality is combined of 4 items : 1. A mattress costing XXXX less a credit of XXXX XXXX. A mattress frame costing XXXX less a credit of XXXX Therefore being allowed only to dispute XXXX when the mattress never received cost XXXX as reflected in the XXXX statement charge is incorrect. I spoke with both XXXX and a supervisor and was not able to record a dispute the credit not delivered of XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rent Recover, LLC
State: GA

Complaint narrative:
Me and my boyfriend moved into XXXX XXXX XXXX on good standings.We paid our rent every month and never gave our neighbors any problems. My boyfriend is in a XXXX and we explained that to them. Everything was ok in the beginning until things started going bad with my neighbors upstairs apartment. The people upstairs had a bad leak that took them days until they decided to come fix it, they did n't treat the problem properly just covered it with paint and the problem kept coming back. We asked time and time again we put in work order after work order for them to fix the problem but they just brushed it off. Well due to their brushing the problem off, the walls accumulated mold which caused my boyfriend to catch a XXXX XXXX that put him in the hospital for many months at XXXX XXXX. We were not the only people that had mold and the apartments knew that. We stayed in our lease and told the leasing office about our situation and they still did not want to fix the problem or work with us. We did n't leave because we just wanted to, we left because it was a XXXX emergency We had proper documents from the Hospital and Doctor appointments. Not only that allot of crime was going on inside of the apartment complex and the leasing office felt like it was ok not to inform the residents on what was going on, my neighbors right next door and upstairs apartment got broken into and a lady three doors down got XXXX  and when I asked the leasing office what they were doing about it as far as safety, they told me it was none of my business and they did n't feel like it was a concern. Not knowing that I knew already that the man who did it stayed there and still had a gate card and a key due to another neighbor telling me what was going on. They had people running through the bushes running from the cops and one of the guys ran into my apartment as I was going in with my niece, when I told the leasing office about it all the lady said was " Awww I 'm sorry to hear that '' .The gate was never working and security was just letting anybody in. I 'm a female and my husband is in a XXXX it just was n't safe for us. Even though we was right down the street from the jail the police still take their time to get there.

Company response to consumer: Untimely response
Consumer complaint received 2017-11-27 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: FL

Complaint narrative:
EQUIFAX, XXXX, AND XXXX IS IN VIOLATION : 1. UNDER THE FAIR CREDIT REPORTING ACT, 15 U.S.C. 1681 ( G ) I HAVE THE RIGHT TO DEMAND THAT YOU DISCLOSE TO ME ALL OF THE DOCUMENTS THAT YOU HAVE RECORDED AND RETAINED IN YOUR FILE CONCERNING THE ACCOUNTS THAT YOU ARE REPORTING IN MY CREDIT REPORT. 

2. IF YOU DO NOT HAVE ANY DOCUMENTATION IN YOUR FILES TO VERIFY THEACCURACY OF THESE DISPUTED ACCOUNT ( S ) THAN PLEASE DELETE IMMEDIATELY. AS REQUIRED UNDER FCRA 611 ( a ) ( 5 ) ( A ) ( i ). BY PUBLISHING THESE INACCURATE AND UNVERIFIED ITEMS ON MY CREDIT REPORT AND DISTRIBUTING THE TO 3RD PARTIES YOU ARE DAMAGING MY REPUTATION AND CREDIT WORTHINESS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This debt is past the statute and still listed on my credit file. I have disputed this before

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 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: TX

Complaint narrative:
I have requested several times that Equifax remove unauthorized credit inquiries that appear on my credit report that I have no knowledge of and did not authorize with approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I applied for this loan with Wells Fargo. I asked for a fixed rate for 4 years. It was a {$35000.00} personal loan at 10 % fixed rate. My current balance as I am writing this is {$12000.00}. While viewing my account I noticed a payment on XX/XX/XXXX that I made ( my payment is {$640.00} monthly ). Principal payment was {$570.00} and interest was {$77.00} ( 647.98 ). The following month I made a payment on XX/XX/XXXX, {$640.00} : Principal payment {$420.00}, Interest payment {$210.00}! I called Wells Fargo and asked how could the interest payment go from {$77.00} to {$210.00} on fixed interest rate? First I was told my payment was a fixed amount but my interest was n't. I specifically ask for a fixed rate which I was told I had, but now you are telling it 's adjustable. Then Wells Fargo came back to say that the interest rate is fixed but the payment is due on the XX/XX/XXXX and if I make the payment after the XX/XX/XXXX, it affects the interest payment. I countered that the two payment I 'm referring to were made on XX/XX/XXXX and XX/XX/XXXX. When you amortize interest it goes down every month base on the principal balance. Will you please look into this.

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 2017-11-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: KS

Complaint narrative:
I purchased a vehicle with a Auto loan from XXXX for the total amount of XXXX per month for 36 months over the course of this loan i had the engine fail on me i had only had the car for two months i had to hire a lawyer to get them to honor the warrantee on the engine past the engine issue it took 6 months for the car to be returned to my ownership after which i have had to take the automobile to a third party mechanic ever since and they chose to charge daily interest making my total payment XXXX a month never informing me of this change just about every operational part has had to be replaced on this automotive device the car was stole from my enclosed garage in a gated community on XX/XX/2017 at this time i had been dealing with identity theft issues to which i had PHI and PII information located within the auto the thieves did not give me the opportunity to gain access to all of my paperwork and data as a direct result of this XXXX now Bridgecrest has stolen my identity I did call my local law enforcement whom referred me to this site to file the complaint as of today 's date this loan is up to date showing they owe me 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 2017-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
Outstanding Escalated Suntrust Case # XXXX ( Foreclosure Initiated/Pending ) Suntrust Mortgage has failed to respond with a substance response specific to my Escalated Case # XXXX. This case was opened on XX/XX/XXXX. Suntrust issued a letter dated XX/XX/XXXX,  addressed to my wife and I, stating Suntrust mortgage services your mortgage loan and intends to initiate a foreclosure on the mortgaged property in the name of : XXXX XXXX XXXX XXXX as Trustee for XXXX XXXX - XXXX ( Noteholder ). Noteholder can not locate the original promissory note and will seek to prove standing thought a lost note affidavit. Neither Suntrust or XXXX XXXX XXXX have provided the required lost note affidavit. I specifically filed my Escalated Case and requested where the lost note affidavit is supporting who the noteholder is. I understand I have protections against unnecessary foreclosure until Suntrust responds to this specific question and provides the required lost note affidavit as the servicer Suntrust has not resolved my Escalated Case, nor has Suntrust suspended the scheduled foreclosure sale set for tomorrow XX/XX/XXXX at XXXX XXXX. Its my understanding Suntrust must review each Escalated Case received from a requestor against the information and documentation in the servicing system and or mortgage file and determine the accuracy of the inquiry and reach a resolution. Its my understanding when a server receives an Escalated Case from a Requestor after a foreclosure sale date has been scheduled and the Escalated Case is received no later than midnight of the seventh business day prior to the foreclosure sale date ( Deadline ), the servicer must suspend the sale as necessary to resolve the Escalated Case. With this case being received on XX/XX/XXXX and a response that is specific to my request has not been received I am asking the CFPB to take action and force Suntrust to suspend tomorrows sale. I requested why the Lost Note Affidavit had not been supplied only after Suntrust sent me a letter informing me the NoteHolder had lost the note and would provide the required lost note affidavit necessary to establish standing. Here we are the day before the sale and that document has not been provided nor has Suntrust responded specifically to this still outstanding request. The CFPB should request the audio call files for the dates of XX/XX/XXXX and XX/XX/XXXX from the servicer and the CFPB will have a very clear idea of how Suntrust manipulates borrowers by informing the CFPB it has responded yet never specifically responded to the borrowers question. In this case, where is the lost note affidavit and why does Suntrust continue to refuse to provide this document? XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 2017-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CBC Credit Services, Inc.
State: MI

Complaint narrative:
CBC Credit has been contacting me at work. My supervisor has previously told this agency that I am not to receive personal calls at work. They have continued to call until today when I gave them my card information to setup a recurring payment rather than paying off a total account at once as I have been doing. It was stated that I will receive another call towards XX/XX/XXXX when I should receive my taxes so that I can pay it off with them. This company has been told twice now not to call me at work, yet still does.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation