vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Every time I visit Navient 's website to do anything other than make a payment, there are issues with the site. I have been trying to submit an online in-school deferment. 
I log into my account. 
Click tools and requests Click go to documents & forms ( this link opens another page requiring to log in, only to bringing you back to your main account page ) Instead of being able to easily enter my in-school deferment online as it seems I should be able to do based on their website, I get stuck in a loop that never takes me to the deferment request, forcing me to take a longer process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CNG FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XXXX someone stole my identify and took out a loan from check and go for {$750.00} in my name. I received a call from a debt collector on XXXX informing me that I failed to pay my loan. Reference number XXXX Thats how I found out about the theft. I reported the fraud to the police department and officer XXXX came to my home and took the report. I sent a letter dated XXXX to XXXX XXXX XXXX requesting all documentation to see who took the loan out. They sent me a letter dated XXXX stating the ID Theft had occurred in this situation. I was informed they could not provide me with any information I would need a court order.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: CA

Complaint narrative:
i have XXXX XXXX debit card where my social security check is put on. ive had it for approx 8 years. i have had several unauthorized charges in one form or another some lasting 2 years of consecutive charges taken from my acct. it is now at the point where approx 200 hundred dollars a month of unauthorized charges has been taken from my acct each month. i have filed several disputes but XXXX XXXX never ruled in my favor and i have spoken with XXXX XXXX at least once or twice a week for years because of this.. the amt taken on XX/XX/2019 was XXXX dollars i called them again and after being hung up on twice. i finally was able to file yet another dispute and asked that i be given provisional credit. today 6 days after filing the dispute i spoke with them yet again and they havent sent the paperwork i have not received it. and when i asked about getting a provisional credit before ten days. they said no. that as long as it takes for them to investigate. i read the law regarding this. and she said its their policy and not a law. i am losing so much money and i am XXXX on a fixed income. i truly dont know what to do anymore and whould hope finally someone hears me and makes this stop

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-28 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On my XXXX XXXX with Santander I had a ( disputed ) bill of {$110.00}. 

This amount was due XX/XX/XXXX. 

I paid this amount in full onXX/XX/2019 Santander reported me late forXX/XX/2019 and XX/XX/2019on XXXX  and perhaps other credit reporting agencies.

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 2019-04-28 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: MA

Complaint narrative:
On my XX/XX/XXXX LOC with XXXX I had a ( disputed ) bill of {$110.00}. 

This amount was due XX/XX/XXXX. 

I paid this amount in full on XX/XX/2019 XXXX reported me late for XX/XX/2019 and XX/XX/2019 on Experian and perhaps other credit reporting agencies.

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 2019-04-28 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: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
A XXXX XXXX, on a 3 year lease, was turned into XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX Utah on XX/XX/XXXX with no issues noted by the dealer. The car was leased to my son and I was a co-signer. A letter was sent to my son and my attention from Ally Financial on XX/XX/XXXX claiming that we owe {$1200.00} for excess wear and damages for the lease. To my surprise, the inspection of the car was conducted on XX/XX/XXXX - 4 months after the car was returned to the dealer. I have no idea where the car was for the intervening four months, who could have damaged it, if parts were swapped on the car, etc. Ally Financial should not be able to claim excess wear on damages when they were grossly delinquent in inspecting the car 4 months after it was turned in and the dealer who accepted the car had no issues. 

Also, around XXXX XXXX on Friday, XX/XX/XXXX, a representative from Ally Financial called my mobile number and began threatening me that if I didn't commit to pay the claim Ally would turn my file over to the Collections Department and subsequently damage the credit rating of my son and me. Not only is their claim wrong but I had the invoice from Ally for less than 21 days and they were already threatening to turn the file over to collections. 

I have read numerous complaints about Ally on the CFPB website and many more at the XXXX XXXX XXXX and am very concerned Ally will damage my credit rating without being rational about their inspection and collection process which are clearly an issue. 

I requested to speak to a supervisor, XXXX, but she could not come to the phone and was supposed to call me back.

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 2019-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase Bank allowed multiple companies to charge my card without my knowledge for over {$20000.00}. I have disputed the charges with Chase beginning in 2017. They now say after reaching out to CFBP in XXXX after 90 days, that I waited to long to go to you for them to be able to do anything. I have it from the merchants that charged the card that they did not have authorization, verbal or written, to make the charges and that the charges were not made in person. I have become exhausted, and can not afford an attorney. The business for which the charges were made has been dissolved and then all of a sudden the debt is showing up on my personal report. For years, I have been disputing and their over seas customer service did nothing, now when their main office is actually looking at it, they say it is too late. It is never too late to do the right thing, reimbursing the fraudulent charges, or removing the fraudulent business balance from my report is the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 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:
I am writing to request the removal of unauthorized credit inquiries on XX/XX/19 by XXXX  and TransUnion. There is no reason these should have been made and they were made without my knowledge. Prior to this day I was working with a Mortgage Company applying for a construction loan, however, on the same day exactly ( XX/XX/19 ) my lender told me it wasn't going to work out and that I should look for another lender due to internal issues with her company. I attached a copy of her email. Why then, would my credit need to be pulled two times if I'm not even applying for anything anymore? I am upset. The same thing happened to my husband and I would like him to be included on this report. His credit is affected by these unauthorized credit inquiries as well.

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 2019-04-28 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase put my social security number on the XXXX list preventing me from getting a merchant account. I never had a merchant account before so I do not know how or why they are reporting this. I have reached out to them and they said they would remove it but they have not. This is irreparably hurting my ability to earn money for myself and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My identity was compromised while I was oversees XXXX in the U.S. Military between XXXX - XXXX. During this time several unauthorized inquiries were made on my account. I have included the dates & names of creditors below. I have never authorized any of these creditors to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX   XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY
State: IN

Complaint narrative:
My identity was compromised while I was oversees XXXX in the U.S. Military between XX/XX/XXXX - XX/XX/XXXX. During this time several unauthorized inquiries were made on my account. I have included the dates & names of creditors below. I have never authorized any of these creditors to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

XXXX XXXX  XXXX 1. XX/XX/XXXX XXXX XXXX  XXXX 2. XX/XX/XXXX XXXX XXXX XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 5. XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My identity was compromised while I was oversees serving in the U.S. Military between XXXX - XXXX. During this time several unauthorized inquiries were made on my account. I have included the dates & names of creditors below. I have never authorized any of these creditors to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

XXXX  XXXX XXXX XXXX XXXX 1. XX/XX/XXXX XXXX XXXX XXXX  2. 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 2019-04-29 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:
I am writing to request the removal of unauthorized credit inquiries on XX/XX/19 by XXXX  and XXXX. There is no reason these should have been made and they were made without my knowledge. Prior to this day I was working with a Mortgage Company applying for a construction loan, however, on the same day exactly ( XX/XX/19 ) my lender told me it wasn't going to work out and that I should look for another lender due to internal issues with her company. I attached a copy of her email. Why then, would my credit need to be pulled two times if I'm not even applying for anything anymore? I am upset. The same thing happened to my husband and I would like him to be included on this report. His credit is affected by these unauthorized credit inquiries as well.

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 2019-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TCF FINANCIAL CORPORATION
State: IN

Complaint narrative:
My identity was compromised while I was oversees serving in the U.S. Military between XX/XX/XXXX- XX/XX/XXXX. During this time several unauthorized inquiries were made on my account. I have included the dates & names of creditors below. I have never authorized any of these creditors to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

XXXX  XXXX XXXX XXXX XXXX  1. XX/XX/XXXXXXXXXXXX XXXX XXXX 2. 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 non-monetary relief
Consumer complaint received 2019-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC
State: IN

Complaint narrative:
My identity was compromised while I was oversees serving in the U.S. Military between XXXX - XXXX. During this time several unauthorized inquiries were made on my account. I have included the dates & names of creditors below. I have never authorized any of these creditors to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

XXXX XXXX XXXX Bank Mortgage 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 2019-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have contacted Capital One on XX/XX/2019 for a financial hardship so that once I get a new job, I will pay back at the normal payment amount. I did not have any late payment for the past 10 years with Capital One. The account specialist said that I could pay a minimum payment of {$50.00} per month for the next 3 months. I agreed with this payment plan. However, the issue was that Capital One report to credit bureau that I have missed the payment even after I have paid the first {$50.00}. Capital One did not explain ( mislead/misrepresentation ) to me what you could get and what they would do from their end. The end result was that consumer credit score will be lower and it will effect to their new job searching, rental, and other financial activity. If a consumer know that the end result was the same ( Credit card company report negative to credit bureau ) then why we have the payment plan at the first place. This kind of practice will harm the consumer more than help the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My identity was compromised while I was oversees serving in the U.S. Military between XX/XX/XXXX - XX/XX/XXXX.  During this time several unauthorized inquiries were made on my account. I have included the dates & names of creditors below. I have never authorized any of these creditors to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

XXXX XXXX 1. XX/XX/XXXX XXXX XXXX 2. 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 2019-04-29 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: Certified Credit Reporting, Inc.
State: UT

Complaint narrative:
I went onto XXXX XXXX and saw that there was a hard inquiry on my credit, one I did not agree to. It was done by " XXXX XXXXXXXX XXXX '' in XXXX CA. I did not agree to this and have not contacted them, many co paints about this company were found online when I tried to look up what it is. It states that they inquired on XX/XX/2017 but I haven't applied for any kind of credit in at least 3 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: OK

Complaint narrative:
I am a member of the XXXX XXXX Im currently XXXX  right now and received a notification that I had a collection account. I looked on my report to see that I had this same collection that I disputed a year or two ago and it popped back up. I have an XXXX XXXX alert and a fraud alert on my credit file. I have tried to resolve this before and now its back on my credit. I plan on taking legal action as soon as Im back in the United States. Im in the military and cant monitor my credit daily.

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 2019-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My identity was compromised while I was oversees serving in the U.S. Military between XXXX - XXXX. During this time several unauthorized inquiries were made on my account. I have included the dates & names of creditors below. I have never authorized any of these creditors to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

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 2019-04-29 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: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I made a purchase from XXXX and open a credit card offered on their site. The order was incorrect, incomplete so XXXX sent prepaid return label. Therefore, this account should be XXXX until the items are repurchased. The new purchase is scheduled to take place XX/XX/2019 when the XXXX XXXX agent call me to correct and place a new order.

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 2019-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIZENS FINANCIAL GROUP, INC.
State: IN

Complaint narrative:
My identity was compromised while I was oversees serving in the U.S. Military between XXXX - XXXX. During this time several unauthorized inquiries were made on my account. I have included the dates & names of creditors below. I have never authorized any of these creditors to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I recently purchased a new car and the dealership arranged financing through XXXX XXXX. I received a letter 15 days later from Ally Bank stating they were denying my request due in part to credit score reporting from XXXX, XXXX  and XXXX. They listed a XXXX score from XXXX, nothing from XXXX and XXXX from XXXX. XXXX apparently listed as reasons : Not enough debt experience. Limited history at this phone ( I have had my current number for over a decade. No phone number is even listed there. ) Proportion of satisfactory trades too low ( I don't understand the term or grammar ). Too few bankcard accounts. 

I have a feeling this is not a legitimate company and they have access to my information. I am reading comments on XXXX XXXX and online and see a lot of people with the same complaint. It feels as though they are fishing. 

I do not want XXXX or Ally to have access to my accounts.

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