vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My XXXX  credit card was used fraudulently in XX/XX/2015. I had no idea the card was used. By the time I found out, I paid the balance but XXXX put a 30-59 day late on my credit 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 2018-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was a victim of fraud/scam using XXXX through my Wells Fargo mobile app. I tried calling Wells Fargo and explaining my situation. I have been a long time customer, yet they were unwilling to help me in any way to recover my loss money. I think {$250.00} is a small amount in comparison to the billions they manage, that could be returned as a courtesy to a loyal customer. I am the victim here.

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 2018-05-16 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: CA

Complaint narrative:
XXXX XXXX shows a inquire on my credit report on XX/XX/2018 but I never gave them written authorization to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 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: CA

Complaint narrative:
XXXX XXXX shows a inquire on my credit report on XX/XX/2018 but I never gave them written authorization to run my credit.

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 2018-05-16 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: CA

Complaint narrative:
XXXX XXXX shows a inquire on my credit report XX/XX/XXXX but I never gave them written authorization to run my credit.

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 2018-05-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC
State: OH

Complaint narrative:
I received a notice regarding refi on previous V A loan that I had with XXXX XXXX company and refinanced with XXXX XXXX XXXX now i'm finding out that I can't refinance this loan anymore? Don't understand why I never heard of this until I researched can someone look into this for me my current loan XXXX XXXX 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 2018-05-16 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: CA

Complaint narrative:
XXXX XXXX  shows a inquire on my credit report XXXX-17 but I never gave them written authorization to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX shows a inquire on my credit report XXXX-17 but I never gave them written authorization to run my credit.

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 2018-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
An inquire on XX/XX/2016 is still showing on my report where the 2 year mark has passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: TX

Complaint narrative:
I was denied partnership with XXXX based on information from Checkr. The problem is that I am still being flagged for a felony that I have completed deferred adjudicated rehabilitation and therefore there ia to be no conviction and therefore nothing to flag on my record. This has now caused me to be rejected and at a time that I am in dyer need of work.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 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: FL

Complaint narrative:
XXXX XXXX is a car lender loan company. On their website it clearly states they report to the credit bureaus every month. It has been 12 months out of the five year loan agreement and no payments history has been recorded with any credit bureau. I contacted XXXX I contacted credit bureaus and nothing. No response. The bureaus tell me to contact the company and the lender tells me to dispute the information. On XXXX XXXX the account shows as closed and paid off yet I'm still receiving statements and have four more years. I do not know what is going on. My credit could be improved a long time ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
I have been paying my loan on time until one day my payment did not go through which I have noticed too late. I have paid what is due and even a month in advance. Unfortunately, they have put a negative report in may credit report without warning. I would just want them to talk to me so we can try to get this report off my account. I need to buy my brother a car and I will need to have a very good credit score to get him a new XXXX that he wanted with 0 % APR. I'm really desperate. I have been trying to reach them through the number they left in my voice mail, but I was unsuccessful. Please contact me again so we can work things out. These type of report will stay in my account for seven years. Please find it in your heart to let this one slide.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have 16 hard inquiries when I only had three cedit cards non eof these were approved by me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 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: NY

Complaint narrative:
I have 16 hard inquiries when I only had three cedit cards non eof these were approved by me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-16 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have 16 hard inquiries when I only had three cedit cards non eof these were approved by 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 2018-05-16 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: DISCOVER BANK
State: NY

Complaint narrative:
I have 16 hard inquiries when I only had three cedit cards non eof these were approved by me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I was asked if I wanted a payment made. to apply later once. But now it appears the company started giving the apply latter category to me from then on, thus throwing off my ability to know when payments like {$700.00} and {$200.00} are really applied. Thus, throwing off my calculation of payments. All pay should have apply immediately as possible, not constantly apply later. This is deceitful to bait once and keep doing. I need my payments applied as soon as I pay them, not baited for delay. And, if I went into unnecessary debt I want to be reimbursed. If my alerts were mis handled I want them properly recognized and acknowledged like all people no matter what race we are.XXXX trends need to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
First of all, your selection options need to have OTHER, as NONE of your options came anywhere close to my situation. 
In XX/XX/XXXX my husband, my son, and myself went through the XXXX website and chose the XXXX XXXX for five years of mail offers. We printed, signed and sent back the forms per their protocol for processing. Five months later, we are receiving credit and insurance offers again at our new address. I kept sending the offers back and telling them to remove our names from their databases. Most of the time it stopped until XXXX XXXX started harassing us and I filed a complaint against them because they were asking for personal information on my father-in-law, whose name is similar to my son 's. I had to go back into the XXXX website again in XX/XX/XXXX, all three of us filled out the forms for five years of no marketing through the mail and sent the forms in. I've also called the credit reporting agencies each time for all three of us to not be offered anything. 
We closed on a new home in XX/XX/XXXX with a VA Loan. I am the primary on the loan since I have a XXXX XXXX XXXX rating with the VA. Since then, I have received three letters, two psotcards from XXXX   XXXX XXXX, each piece of mail came from a different address, sometimes different state. I have written them back three times telling them to CEASE AND DEISIST contact with us. I received yet another card from them today telling me it was required that I call them on the phone to discuss the issue with my mortgage. They use almost threatening language in these advertisements, and it needs to STOP NOW. Why were they allowed my contact information when I have already sent in forms twice to OPTOUT telling them NO MAIL IN THE NEXT FIVE YEARS? This is harassment. Why are these people allowed to use such language that is deceitful in marketing? They need to be stopped. Who gave or sold them our information? Was it XXXX not doing their job, or was it the credit reporting agencies, or was it my lender? I need to know so I can file complaints against all of them. This needs to stop. NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
The company that manages my loans is Navient. For years they have called my cosigner saying that I hadn't made payments, when I had. They also continually " lost '' my auto payment information so that they could collect late fees when the payment inevitably did not go through. They will not release my cosigner. And they seem to bury information making it difficult to understand repayment methods, fees, and process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 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: Credit Karma, LLC
State: SC

Complaint narrative:
I just signed onto my credit karma account. Today is the XX/XX/XXXX. But I've noticed 5 hard inquiries. The first is XXXX XXXX  on XX/XX/XXXX I have no idea what that is. And the second is XXXX XXXX on XX/XX/XXXX. I've never went through XXXX XXXX I have no idea what company that is. And I have two XXXX XXXX  on my account one was inXX/XX/XXXXand the other was in XX/XX/XXXX. And I don't have any XXXX XXXX  cards. I've never had XXXX XXXX. And the last is XXXX XX/XX/XXXX I have no idea what that is I've never heard of that. So I believe someone has ruined my credit with all of that cause I've never been with anyone of those company 's

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi Cards, I.e. Citibank changed their policies and used their dominant market position to force their business customers to stop selling certain legal products protected by the 2nd amendment to the US Constitution. 

As a result I closed my credit account with them, but I feel I still have a right to redress as their market position is still being used as a weapon against legitimate businesss. 

As a taxpayer during the financial crisis my tax dollar underwrote their continued existence ...

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 2018-05-16 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: CA

Complaint narrative:
I believe I have a mixed file ( or possibly identity theft ) on my credit report. I just ordered my report with Experian and realize there are addresses, name & account that do not associated with me. 

Below are two accounts that is not associated with me XXXX   XXXX XXXX Account Number XXXX XXXX   XXXX XXXX Account Number XXXX Name that appear on my credit report : 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
Consumer complaint received 2018-05-16 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: Advantage Credit, Inc.
State: OH

Complaint narrative:
I looked on credit report again and see another company I have no clue about and why it's on my report. XX/XX/2017 ADV CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monarch Recovery Holdings, Inc.
State: GA

Complaint narrative:
I have on several attempts made contact with XXXX XXXX XXXX about an account ending in XXXX and asked to remove this inaccuracy from my consumer file .... XXXX XXXX, Customer Service Department informed me that this account had been sold with out my permission to a collection company on XX/XX/2018 i received this notice ... I have not approved of this account and it has not been verified or validated, but to learn that this card whom which i did not obtain has been sold to a collection agency i am asking for immediate removal as i have no contract with XXXX XXXX XXXX nor do i have a contract XXXX XXXX XXXX this is violating my rights under the FCRA..My personal information is once again in the hands of someone whom i have not authorized to be ....

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
On several attempts I have tried to explain the Medical Data Systems to stop contacting me ... .... This company has repeatedly placed a negative item on my credit report.. i am informed that this is a collection agency who are violating my rights as a personal consumer because I have never had any type of relationship or contract with them ... Also I feel as I'm the victim being they are buying my identity from companies or venders that I have no knowledge of ... ... This goes against FCRA and definitely goes against HIPPA consumer rights.

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 2018-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/18 I deposited approximately {$30.00} in loose change at the Bank of America branch at XXXX XXXX XXXXXXXX XXXX XXXX  CA XXXX as the Bank had suggested I do in the past as they explained that they accept responsibility for accurately counting the change and crediting my account with the correct total in a week or less. While this worked correctly on two prior occasions, on this occasion, the Bank has still not credited my account for the deposit after 12 business days and despite emailing the CEO, XXXX XXXX XXXX to request assistance on XX/XX/18, I have not received any response to date.

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 2018-05-16 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:
XX/XX/XXXX, A FAX AND LETTER WAS SENT TO VALIDATE THE THE ACCURACY OF A CHARGED OFF ACCT LISTED ON MY CREDIT REPORT FROM XXXX XXXX XXXX XXXX NOW, I REQUESTED THAT I BE PROVIDED WITH INFORMATION AND COPIES BE SENT TO ME THAT WAS USED TO VALIDATE NOT VERIFY THAT THE DEBT WAS OWED BY ME TH THE ABOVE COMPANY SUPPLIED THE REPORTING AGENCY WHEN LISTING THE ACCT ON MY REPORT. PAYMENT HISTORY IS NOT A PROPER FORM OF VALIDATION AND THERE IN VIOLATION OF THE FCRA. XX/XX/XXXX A FOLLOW UP VALIDATION LETTER WAS SENT OUT TO RESOVE THE ISSUE THAT THEY ARE STILL TARNISHING MY NAME AND REPORTING INACCURACIES, I WOULD LIKE THIS MATTER RESOLVED AS SOON AS POSSIBLE BEFORE I HAVE TO TAKE LEGAL ACTIONS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I lease a XXXX  about 2 years ago. At the time of the lease I was told if I want it to buy the car at the end miles would not be an issue. I was also told in case of a total loss I was protected by gap. My car was a total loss because the vehicle was stolen. Bmw is now charging me for excess miles. I was told no matter what miles I had if is a total loss I would not be responsible. I was send a letter stating that the contract I had sign made me responsible for excess miles. I will attach the letter and I will also attach the back of the contract. The wording in no way I would interpret that I would be responsible for excess miles. The wording use is very deceiving and vague.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, I am not sure if I am submitting this into the right section, but I am hoping so. I made a transaction on XXXX with a XXXX  seller. She claimed to have tickets to a XXXX game, two for {$350.00}. I paid her and two minutes later she claimed it didnt process. I checked and it showed she received the money and it was taken out of my account. I told her this and she tried to claim I still needed to pay her again. I said I was not comfortable and wanted my money back. The money is still out of my account and into hers. Both XXXX and my bank, Wells Fargo, are not being of much help with anything as of now. I have involved the police, and we are trying to further investigate.

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