vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-30 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: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. When calling the company at XXXX I was transferred to a customer service rep by the name of XXXX and then sent to a rep in " Funding '' by the name of XXXX who then provided me with the Risk department at XXXX. I spoke with XXXX and explained to him my issue and that I have not applied for credit with Santander. He then informed me that it was for my XX/XX/XXXXXXXX XXXX In which I bought from XXXX   and not XXXX. I have had my vehicle since XX/XX/XXXX so I am not understanding why Santander ran my credit on XX/XX/XXXX. I explained that I wanted to know the process and documentation to have inquiry removed as I did not fill out any application with Santander or their entities at all. XXXX informed me that he would give me the number for the department who handles inquiries and placed me on hold for about 5 minutes. He then came back on the line and informed me that he doesn't have the number for that department because they change their numbers a lot. I have sent them 2 certified letters to their address, addressing the inquiry and asking that he be removed from ALL 3 Credit Bureaus and they have failed to answer my complaints with the 30 days timeframe per the laws. I have tracking numbers for the certified slips that i would gladly provide for this complain if needed. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider : SANTANDER CONSUMER USA Not Proven Compliant Account : Inquiry from date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Citibank recently closed one of my credit card accounts without any advance notice. This credit card account was tied to Citi Thank You reward points. I had accumulated XXXX  Citi Thank You points, but they were automatically forfeited on XX/XX/XXXX when Citi closed the corresponding credit card account without informing me. I lost all my Thank You points and their corresponding value.

I called Citi card in the 3rd week of XX/XX/XXXX to file a complaint and request restoring my Thank You points ; however, Citi responded by saying that due to the time frame that has elapsed, they are unable to credit the Thank You points to my account. I called Citi card services again in mid-XX/XX/XXXX, and received a letter stating that the outstanding points needed to be redeemed within 60 days from the date of closure of Citi account. Apparently, Citi closed my account on XX/XX/XXXX and sent me the letter on XX/XX/XXXX informing me that the account was closed and that I had 60 days to use my points. However, I either did not receive this letter, or it was accidentally ignored/thrown away by someone in my household when I was out of the house for 16 days between XX/XX/XXXX and XX/XX/XXXX.

Upon further inquiry with Citi, I learned that this account was automatically closed because of inactivity for several months. While this is true, Citi needs to understand that I have two other Citi credit cards ( and my wife has two Citi credit cards as well ), all of which are heavily used for our daily small to big dollar purchases. In XX/XX/XXXX, collectively we spent more than {$50000.00} on Citi cards, and we are on track to do so again in XX/XX/XXXX. None of my other credit card companies -- for example, XXXX, XXXX XXXX, and XXXX XXXX -- ever closed my credit card accounts that were inactive for more than 5 years. Plus, we have always paid our credit card bills timely, and have maintained an excellent credit score. I explained all the above points to the Citi customer care managers on my two calls, but I am extremely dissatisfied with Citi 's response that they are unable to restore the XXXX   Thank You points I earned.

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 2018-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PMAB,LLC
State: NC

Complaint narrative:
I received an update from my credit report that alerted me a new debt was now on my credit report. The debt says it is from Pmab , LLC from a XXXX XXXX XXXX XXXX for {$280.00}. I never received anything from XXXX XXXX XXXX XXXX   disclosing any information about a debt, I also never received anything from Pmab LLC disclosing any information concerning a debt associated with XXXX XXXX. I tried to call Pmab LLC on XX/XX/XXXX, I let them know this was not a debt I owed, they kept telling me who it was from and I stated I haven't been to a XXXX XXXX XXXX XXXX. That got me no where! I've attempted to have this information sent to me via email or mail with no results. Even IF I had ever went to an emergency room or Dr visit, my insurance has a copay, I pay the copay that is on my insurance card and nothing more ( unless it's a prescription ), this {$280.00} doesn't add up to any copay or visits. They say it is from XX/XX/XXXX, why have I never received anything until it alerted on my credit with false information?! It sounds to me as if they're trying to just get money which is not owed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 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: NJ

Complaint narrative:
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that  neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. When calling the company at XXXX I was transferred to a customer service rep by the name of XXXX and then sent to a rep in " Funding '' by the name of XXXX who then provided me with the Risk department at XXXX. I spoke with XXXX and explained to him my issue and that I have not applied for credit with XXXX. He then informed me that it was for my XXXX XXXX XXXX In which I bought from XXXX and not XXXX. I have had my vehicle since XXXX so I am not understanding why XXXX ran my credit on XX/XX/XXXX. I explained that I wanted to know the process and documentation to have inquiry removed as I did not fill out any application with XXXX or their entities at all. XXXX informed me that he would give me the number for the department who handles inquiries and placed me on hold for about 5 minutes. He then came back on the line and informed me that he doesn't have the number for that department because they change their numbers a lot. I have sent them 2 certified letters to their address, addressing the inquiry and asking that he be removed from ALL 3 Credit Bureaus and they have failed to answer my complaints with the 30 days timeframe per the laws. I have tracking numbers for the certified slips that i would gladly provide for this complain if needed. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider : XXXX XXXX XXXX Not Proven Compliant Account : Inquiry from date 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 2018-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
OnXX/XX/18I was charged with two nsf from citizen bank and I only see one. Also why are they allowed to charge me multiple nsf for the same day?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LEXISNEXIS
State: FL

Complaint narrative:
I HAVE NO KNOWLEDGE OF THIS DEBT, RECENTLY I STARTED LOOKING INTO MY BILLS, AND DEBTS, I CAME ACROSS A JUDGEMENT PLACED ON MY CREDIT REPORT FROM A COMPANY CALLED XXXX XXXX. THIS WAS ODD TO ME AS I HAVE NEVER LOVED AT SAID ADDRESS. I AM AN XXXX XXXX XXXX VETERAN XXXX XXXX THE JUDGEMENT IS FOR OVER 6000.00. I AM ASKING THEM TO VALIDATE THIS DEBT, SHOW PROOF I WAS NOTIFIED OF THIS. SHOW I WAS PROPERLY SERVED. SHOW AND VALIDATE MY SIGNATURE. I AM ASKING THEM BECAUSE THIS IS CAUSING ME TO NOT BE ABLE TO FIND AQUEDATE HOUSING I CAN NOT RENT A HOME, I CAN NOT APPLY FOR A HOMES, AS THIS IS SHOWING AS A DEBT A JUDGEMENT A EVICTION, ON LEXUS NEXIS REPORT. I CAN NOT AFFORD TO PAY FOR THIS DEBT THAT IS NOT MINE. THIS IS UNFAIR A UNJUST. 
consumer number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was surprised when I was reviewing my credit report and found a late payment inXX/XX/2017, I am not sure how this happened. I believe I made my payments to you When I received the statements. My only thought is that my statement didn't get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
For the last year I have been back and forth with the credit bureaus about a Bank of America account that is reporting on my credit report I really don't remember having a bank of America account. The credit bureaus keep responding stating that I should contact Bank Of America because they verified that the account is correct and belong to me. So after doing some research I learned that I can dispute directly with Bank of America which I did on XX/XX/2018. I did not get a response from them. So I sent another letter certified mail to their dispute department and also to the CEO and the letter was delivered approximately 2 weeks ago according to the USPS tracking, and they still have not responded to me and the account is reporting 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 2018-08-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have submitted police report and file complaint several about the fraudulent items on my report. The following are not mine nor did I authorize. XXXX XXXX XXXX  XX/XX/18 XXXXXX/XX/18 XXXX XXXX XXXX XX/XX/18XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian provided incorrect information to XXXX XXXX. The actual credit score in the credit report from Experian ( XXXX ) is different from what Experian had provided to XXXX XXXX ( XXXX ). XXXX XXXX  already investigated from their end and they just used the information that Experian had provided. Also, the credit score from Experian is much lower than the ones ( XXXX and XXXX ) from two other credit bureaus.

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 2018-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Revenue, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX has been reporting to all three of my credit reports despite that fact that I had disputed this debt with them several times as well as disputing with all three CRA and it has been returned as verified. I would like to know how this alleged debt has been verified. I had requested from them legal validation on this alleged claim that I owe and had requested that they provide me proof of there ownership of this account. I had a phone conversation today with a Supervisor XXXX XXXX and requested from him the authorization that I had signed with the alleged original creditor to release my personal private information and the contract that I had with XXXX XXXX XXXX his response to me was this is not required. I demand validation from this collector. I demand they produce a valid contract. I demand they produce a signed authorization. They shouldn't be on my credit report for any reason but since they are, they certainly should not be there without an authorization to collect information and make communications about me and an alleged account. I do not owe this alleged debt that they are claiming I owe. I have attached all information that I have received and sent to them to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Since XX/XX/2017 I have been disputing a XXXX XXXX XXXX account on my credit that I don't remember having. I have sent 3 separate letters and the credit bureaus responded stated that they verified that the account belong to me so I said fine, send me proof and to date they have not responded with any proof. They keep sending the same computer generated report which states that the account is verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax had a data breach in XX/XX/2017. When I inquired into their site I was advised that it was likely my information was among the data affected by the breach. Since the breach one of my credit cards was victimized by fraudulent activity. I have since had to shut that card down and have it replaced. I don't know what other actions might have occurred or still might yet occur as a result of the breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to monitor my credit and repair it upon finding any inaccuracies. But Equifax is not allowing me to sign up for their services. And they want me to acknowledge debts via my credit reports by asking multiple times did have any credit cards, mortgages, auto etc. Those may well be some debts on there but I don't know what's on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: ND

Complaint narrative:
Last XX/XX/2017 hurricane Irma hit Florida and the entire state was declared a disaster. A mortgage forebearance program was offered in which allowed you to not make your monthly mortgage payments and to my understanding the accrued payments and interest would simply be added on to the mortgage at the end of the forebearance period then I would resume making my monthly payments of XXXX. However PennyMac wanted a lump sum payment for all of it. What possible help would this program be to anyone? PennyMac then began foreclosure proceedings and informed me that I was responsible for all the charges involved with this if I wanted to keep my house. I negotiated a payment with them for around {$4500.00} to avoid them taking my house. I made a payment to them now starting in XXXX for my normal payment of {$360.00} hoping to continue with my normal monthly payments for the 26 years left on the note. PennyMac loan services called me Monday night and said I qualified for the modification program and my new payment would be {$330.00} but now mine would be a 40 mortgage loan. I am a XXXX XXXX and both these instances see like predatory lending to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was pretty surprised after reviewing my credit report that I found a late payment on the following date : XX/XX/2017 The first thing I did was send in a request to yous asking to send me payment history with statement of the month which you claim I was late you simply responded with a letter that what your reporting is correct with nothing to back that up. 
I am not sure how this happened. I believe I made all my payments to you when I received my statements. My only thought is that my statement did get to 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 2018-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: N.A.R., Inc.
State: FL

Complaint narrative:
this company is calling nonstop. they call at least 8 times a day. I have never used this company have told them to send me information to validate this debt.i am an XXXX veteran on social security income. this company, is relentless in their debt collection methods, I feel as if I need to contact the attorney general of Florida. they have reported this on my credit report, in a negative light, they sent letters stating I owe, and to pay. on my credit report XXXX XXXX states CHARGE OFF FOR A LEASE, THEN IT SHOWS 90 DAYS LATE IN XX/XX/XXXX, 60 DAYS LATE IN XX/XX/XXXX, AND 30 DAYS LATE IN XX/XX/XXXX, AS WELL AS THE COMPANY WHICH IS N.A.R THAT IS CALLING ME DAILY, IS NOT THE COMPANY FOR WHICH THE DEBT ORIGANATED. I AM ASKING THEM TO DELETE, AND REMOVE THIS FROM MY CREDIT REPORT, TO STOP THE HARASSSING PHONE CALLS. AS I HAVE NEVER SIGNED ANY DOCUMETS, HAVE NO IDEA WHO THEY ARE OR WHY THEY ARE CONTACTING ME, I INFORMED THEM THE FIRST CALL THAT UNDER FEDERAL LAW THEY HAD ONE TIME TO NOTIFY ME OF A DEBT AND TO NOT CALL AGAIN.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Screening Reports Inc.
State: IL

Complaint narrative:
The morning of Thursday, XX/XX/2018, I woke up to an email stating that someone has run my credit report and I now have a hard inquiry against me. I tried to contact the company, the call keeps going to voicemail. 
I do not know who the company is or what they do and I have certainly not applied for anything cars, loans, etc in the last year. I have no idea how they got any of my information .This inquiry was not given permission from me, nor can I get ahold of anyone to see who they are. 
I would like this inquiry from " ScreeningReportsInc '' to be removed.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-30 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: Consumer Portfolio Services, Inc.
State: TN

Complaint narrative:
Wednesday night XX/XX/18, I got an alert from XXXX XXXX saying that I had a new credit inquiry from Consumer Portfolio Services. I knew right away that I did not apply for credit or authorize that inquiry. I then submitted a dispute on XXXX, which is the bureau this inquiry appeared on.

Company response to consumer: Closed with explanation