vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-06 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: FACTUAL DATA CORP.
State: ND

Complaint narrative:
On XX/XX/2018, I received a letter from Factual Data stating they had investigated an inquiry made by one of their clients, XXXX XXXX XXXX XXXX XXXX, about my credit worthiness. In the letter they included from XXXX XXXX XXXX, the branch manager states that my credit was pulled on XX/XX/2018 to see if I qualified for some kind of home improvement loan for {$20000.00}. Factual Data failed to show any type of physical proof for my application for such a loan such as a credit application, or even a document showing that I had given my permission for them to run a credit check for such a loan. This inquiry was definitely not initiated by me, the consumer, and I want Factual Data to remove the hard inquiry from all 3 of the credit bureaus, ( XXXX, XXXX, XXXX  ) at once because this demonstrates a defamation of my financial character and willful negligence to damage my credit score under the laws of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
In XXXX I certified mailed a dispute letter to Capital One Auto Finance to dispute a account that was showing up on my credit report. I have attached my initial letter, the copies of the signature card information from where their company had signed for my letter dictating all that I was disputing, and began the clock of 30 days to place disputed remarks of my dispute on my credit reports. The only response I got was from them mailing a copy of statements. There are many violations that I will be submitting in a court of law, as well as laws that the company broke in not upholding the standards set before them from the FCRA, and the FDCPA. I have pulled my credit from all 3 credit bureaus and have attached the proof for you to examine that the credit reports are time stamped 31 days after they signed for my letters, and one of the major violations they totally neglected to do is mark my account as disputed on my report, and/ respond with court approved documentation within the time frame with verifyible documents that would hold up in court that the debt was in fact my debt. I demand that they remove the debt reporting to my credit report immediately, and that you as well as the attorneys general offices, and XXXX  hold them accountable for the noncompliance of these said violations and laws that have been broken. I want it removed, and it is my rights. My letter clearly explained what I would do if they did not respond accordingly. I have a well documented case and have all intentions of taking care of it legally if they do not comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Pacific Credit Exchange Corporation
State: CA

Complaint narrative:
PAC CR EXHANG ACCOUNT XXXX BALANCE XXXX THIS ACCOUNT SHOULD NOT BE ON CREDIT REPORT I DONT OWE THEM ANYTHING.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. She was notified by Capital One of a fraudulent application submitted with her information without her consent. An inquiry was made into her XXXX, XXXX  and XXXX  credit report related to that application XX/XX/2018. A formal dispute of that application was then provided to Capital One to have that inquiry removed. Rather the read the information provided Capital One named the fraud investigator to a non-existing account. Capital One has done this same activity several times in the past and this continues to put the information of our clients and the public in danger. Capital One is in violation of the FCRA and my clients consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-06 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: ND

Complaint narrative:
On XX/XX/2018, I received a letter from XXXX XXXX stating they had investigated an inquiry made by one of their clients, XXXX XXXX XXXX XXXX XXXX, about my credit worthiness. In the letter they included from XXXX XXXX XXXX, the branch manager states that my credit was pulled on XX/XX/2018 to see if I qualified for some kind of home improvement loan for {$20000.00}. XXXX XXXX failed to show any type of physical proof for my application for such a loan such as a credit application, or even a document showing that I had given my permission for them to run a credit check for such a loan. This inquiry was definitely not initiated by me, the consumer, and I want XXXX XXXX to remove the hard inquiry from all 3 of the credit bureaus, ( XXXX, TransUnion, XXXX ) at once because this demonstrates a defamation of my financial character and willful negligence to damage my credit score under the laws of 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 2018-12-06 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: ND

Complaint narrative:
On XX/XX/2018, I received a letter from XXXX XXXX stating they had investigated an inquiry made by one of their clients, XXXX XXXX XXXX XXXX XXXX, about my credit worthiness. In the letter they included from XXXX XXXX XXXX, the branch manager states that my credit was pulled on XX/XX/2018 to see if I qualified for some kind of home improvement loan for {$20000.00}. XXXX XXXX failed to show any type of physical proof for my application for such a loan such as a credit application, or even a document showing that I had given my permission for them to run a credit check for such a loan. This inquiry was definitely not initiated by me, the consumer, and I want XXXX  XXXX to remove the hard inquiry from all 3 of the credit bureaus, ( Equifax, XXXX, XXXX ) at once because this demonstrates a defamation of my financial character and willful negligence to damage my credit score under the laws of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: ME

Complaint narrative:
I am writing to you about a discrepancy on the final amount owed on my mortgage. I have emailed the company several times and have had several phone calls about this. I started emailing them two years ago about the amount owed at the end of my loan. Somehow {$4700.00} got tacked on the end of this loan. This {$4700.00} is our discrepancy ; I tried to pay my last payment of {$600.00}. They told me I could not pay my payment until the investigation was done. In XX/XX/XXXX they had to look into this further. I have been in constant contact with the company ( weekly )  to get this resolved. I have documented all of our conversations. I was told in XX/XX/XXXX it should be resolved XX/XX/XXXX called and they said they were still investigating it, give them till XX/XX/XXXX. called them today, they said " to be patient '' they have assigned this to a escalations team. I am getting collection calls from their collections department asking why I am not paying the payments, I told them it is being investigated you can see it in the notes. They said this is not being investigated that they sent me a letter saying it has been resolved, ( I never received a letter ) and the company that had my mortgage before them has gone out of business and that I owe the money to them. I was told that today by XXXX XXXX XXXX, he wouldn't give me his last name, said he doesn't give his name to strangers. I have been given several supervisors being told the others are not available. They keep saying it is being worked on. My payoff date for this mortgage was XX/XX/2018. I am looking to find what steps I can take to resolve 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 monetary relief
Consumer complaint received 2018-12-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I had co-signed for someone XXXX XXXX mother company XXXX   XXXX auto they both showing I owe them after sale is not fair how could both company 's claim same thing thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have spent thousands of dollars trying to delete this account from my credit report. I paid the balance and it wasnt mine. Ive sent out 10 dispute packets to each bureau. My identity was stolen and my signature was forged.

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 2018-12-06 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: LD Holdings Group, LLC
State: SC

Complaint narrative:
LoanDepot.com has placed hard inquiries on my credit every few days. I did NOT take out a loan from them, however they keep driving my credit into the ground with their inquiries. I did not request these inquiries. I have called and spoke to several people there and emailed them, and all of these people say they can not help me because I did not take out a loan. They will not stop these inquiries. They are predatory and I am a victim of their practices. 

Dates : LOANDEPOT COM LLC via XXXX Requested On : Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX Agent was very nasty with me over the phone and ask very impersonal questions that was not pertaining to the account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I disputed a Collection Account with Portfolio Recovery that they say they sent me a letter in 2015 advising me of this debt, I would like a copy of the contract that I am suppose to have with XXXX  XXXX in reference to this invalid debt. Portfolio has not provided me with anything but a 6 year old collection letter fro XXXX XXXX, which I also did not receive from them. I would like a copy of the agreement that is authorizing Portfolio Recovery to collect this account and a copy of the documentation showing this account was sold to them and how much they paid.If the original creditor sold a debt to a collection agency, they also wrote off your debt on their taxes which wrote off your obligation to pay. As I still dispute this debt, and Portfolio can not get the documentation required to Validate and or verify this debt, and send me copies of such information, if the debt was mine, I still would not pay it as it does not exist, so why would I pay a debt that can not be proven?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: IA

Complaint narrative:
XX/XX/XXXX account switched to my daughter 's name at the XXXX XXXX store in XXXX, Iowa. Three lines disconnected per my choice. Four lines transferred to my daughter 's new account. Spent 2.5 hours in the store to close old account, verify no late or change over or reconnect fees with XXXX XXXX Customer Service. 
Verified a credit would be issued to by account for end of service in the beginning of XX/XX/XXXX. Credit issued on XX/XX/XXXX bill but also reconnection fees for 7 lines, 3 of which were never reconnected, 4 of which were placed on another account. 
Account was paid XXXX $ XX/XX/XXXX leaving a balance of XXXX . {$99.00} was paid XX/XX/XXXX. Service was cancelled per customer choice on XX/XX/XXXX. Service period was XX/XX/XXXX - XX/XX/XXXX. 
Normal monthly fee is XXXX $ for 7 lines, XXXX $ for new phone payment and insurance. Credits for health care worker brought monthly bill to XXXX. {$99.00} was paid on XXXX. The company is charging XXXX $ for 7 days of service. Absurd. If you take XXXX $ and divide it by 30 days you XXXX $ per day is XXXX plus the XXXX for the insurance and monthly phone payment you get XXXX . XX/XX/XXXX balance due which was XXXX . {$69.00} + XXXX + XXXX = XXXX - {$99.00} = {$61.00} due to XXXX XXXX. Not {$320.00}. Waited for corrected bill to arrive. Called to correct bill. XXXX XXXX  sent to collections. 6 or 7 phone calls later, each at least 45 minutes long, issue still remains unresolved. Convergent stated XXXX XXXX had to fix bill. XXXX XXXX said Convergent has to fix bill.

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 2018-12-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK
State: MN

Complaint narrative:
I have a variable rate loan with Discover, no where on their website in the loan information or monthly statements does it say my loan has a variable rate. I had to contact customer service to find out for sure. I mentioned this concern to the representative, they assured me they were compliant and not withholding any information as this was provided to me in my Final Disclosure Agreement WHEN THE LOAN CLOSED IN 2012 ( 5+ years ago, so I guess I should just remember it??? ). They also said this document should be available to view on their website, but conveniently enough, only my fixed rate disclosure is there and they need to mail me the variable rate one. The rep did say they would report the issue, but I've worked in XXXX and XXXX XXXX roles and know that does not always happen. So I've taken the initiative and am reaching out to you. I have a XXXX XXXX, I'm a XXXX/XXXX  XXXX  and have been in the XXXX XXXX   XXXX  for 5 years now and work with far more complex loans  than this on a daily basis. If I'm having troubles finding this information, I can only imagine the issues others are having! 

-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 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: GA

Complaint narrative:
I have spent thousands of dollars trying to delete this account from my credit report. I paid the balance and it wasnt mine. Ive sent out 10 dispute packets to each bureau. My identity was stolen and my signature was forged.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have spent thousands of dollars trying to delete this account from my credit report. I paid the balance and it wasnt mine. Ive sent out 10 dispute packets to each bureau. My identity was stolen and my signature was forged.

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 2018-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
This is to re-open case No : XXXX American Express didn't explain the discrepancy of upgrade dates between their record and the date that is reasoned from the evidence I provided : I upgraded membership at XXXX and my upgraded card membership fee charged by American Express covers from XXXX. Evidently, American Express 's claim " the card was upgraded on XXXX '' is false and the false claim was resulted from their side of error on investigation ; also American Express can not provide any evidence that on XXXX I provided consent to the disclosure of the new card membership. Moreover, the promotional email was sent to me on date XXXX, which is after XXXX. Therefore, investigation conclusion from American Express has no grounds. 

Last but not least, the full description of the promotion in the email from American Express is below : " Good news, XXXX! You've been selected for an upgrade. As a Blue Cash Preferred Card Member, you can earn even more cash back on the purchases you make every day.

Spend just {$60.00} a week at U.S. supermarkets and you could earn over {$180.00} back per year. And, with this special offer, you can earn a {$250.00} statement credit after you spend {$2000.00} in purchases on your new Card in your first 3 months. Offer expires XX/XX/2018. '' The loose term 'New Card ' can not justify the method American Express was using to calculate 92 days ' period during their investigation on case No : XXXX. Evidently, from XXXX XXXX ( when new upgraded card membership starts ) to XXXX, my expense has met the expense requirement {$2000.00}. 

If American Express still insists on the same conclusion as in Case No.XXXX, I would like to request American Express to provide : 1. A copy of Consent and Disclosure I have signed and agreed regarding membership upgrade on the date XXXX. 
2. A copy of Evidence proving the definition of the term " New Card ''  is explained and included in the promotional email from American Express. 

Failing to provide the documents mentioned above can result in conviction of illegal behavior under FDIC law, regulations, related acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MD

Complaint narrative:
I have an FHA loan with mortgage insurance. I was told when I contacted US Bank that this premium would automatically be cancelled when my loan had an 80 % debt-to-value ratio. I paid extra principal each month to reach the 80 % faster than scheduled. 

The premium was not automatically removed and, when contacted, the company is now stating that it is a 78 % debt-to-value ratio that must be reached. 

The more concerning problem is that I must submit paperwork to have the premium removed once I hit the debt-to-value ratio. This is not insurance that I purchased on my own ; I was not able to shop around for the best price. Nor am I the benefactor from this insurance policy. 

This extra hurdle to remove the insurance premium from a consumer 's monthly payment is an abuse of power in the customer relationship at best, and fraudulent at worst. US Bank should not be allowed to continue this practice, and if this is industry standard practice, the industry should not be allowed to continue either. Consumer 's need protection from practices like 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 2018-12-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. 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 non-monetary relief