vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Meade & Associates, Inc.
State: KY

Complaint narrative:
Below is the e-mail sent from XXXX XXXX regarding the account that is now listed on my credit as derogatory. I have been dealing with this for more than a year. I have personally gone by their office to pick up the form that XXXX is requesting with no luck. I also have the letter sent to them regarding all times and dates of attempted contact. They are provided as attachments. When does it stop and what can I do about the harassment? 
Hi XXXX, Attached is a Final Notice letter which outlines the attempts made to XXXX XXXX XXXX, XXXX XXXX XXXX and Meade & Associates Inc. Ive also attached the bill return letter that was sent to Meade & Associates Inc on XX/XX/XXXX. 
The outstanding balance is {$210.00} {$51.00} for date of service XX/XX/XXXX {$150.00} for date of service XX/XX/XXXX The providers have all been given the needed information for billing purposes. 
Claim number XXXX Claims Address : XXXX XXXX XXXX XXXX XXXX, KY XXXX Claims Adjuster : XXXX XXXX Claims Adjuster Contact : Phone : XXXX and Fax : XXXX Providers contact information for your records : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , KY XXXX P : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX Acct No XXXX P : XXXX -- - XXXX is the supervisor. 
Meade & Associates INC XXXX XXXX XXXX XXXX XXXX, OH XXXX Acct No XXXX XXXX -- - XXXX is the contact handling the file. XXXX ( at same number ) is the reported supervisor. 
As outlined in the letter, I have referenced the KY XXXX XXXX statue which states the provider can not balance bill the injured worker and the statute which states providers have 45 days from the date of service to provide billing information for payment. -- -- I have attached the full statute for your reference. 
If you need anything additional from me please let me know how I can help resolve this ongoing issue. 
XXXX XXXX | XXXX | Claim Representative, Medical Only Claim Adjuster XXXX XXXX XXXX XXXX, KY XXXX XXXX ext XXXX phone XXXX fax XXXX email XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 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: IL

Complaint narrative:
I was notified by XXXX that my Social Security number was compromised. 
So after checking my credit report, I saw some inquiries that did not belong to me. 
I notified each one of the credit bureaus by certified mail to investigate the inquiries. 
each one of the credit bureaus failed to prove that any of the companies who had performed a hard inquiry into my credit had my written authorization.

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 2018-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am requesting a short payoff off not a short sale. XXXX XXXX XXXX  XXXX XXXX A short payoff is when a lender agrees to accept less than the full balance of the mortgage loan as payment in full for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 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: VA

Complaint narrative:
I purchased a vehicle from XXXX XXXX XXXX on XX/XX/2017 and two separate hard inquiries have shown up on my credit report for the same purchase. XXXX XXXX XXXX and XXXX XXXX XXXX. This should only show as one hard inquiry as XXXX and XXXX XXXX XXXX is the same company ( XXXX XXXX XXXX does the financing for XXXX XXXX XXXX. When shopping and purchasing such things as automobile and home loans, etc all inquires done around this purchase ( within a 14 day time frame ) should only show as one inquiry, not multiples as this lowers your overall credit score. Please correct my hard inquiry status to show one hard inquiry. I believe Trans Union, XXXX and/or the companies listed above that did the hard inquiries can correct this issue. 


I also purchased another vehicle from XXXX of XXXX XXXX on XX/XX/2017 and two separate hard inquiries have shown up on my credit report for the same purchase. XXXX XXXX XXXX and XXXX of XXXX XXXX. This should only show as one hard inquiry as XXXX and XXXX XXXX XXXX is the same company ( XXXX XXXX XXXX does the financing for XXXX XXXX XXXX. When shopping and purchasing such things as automobile and home loans, etc all inquires done around this purchase ( within a 14 day time frame ) should only show as one inquiry, not multiples as this lowers your overall credit score. Please correct my hard inquiry status to show one hard inquiry. I believe Trans Union, XXXX and/or the companies listed above that did the hard inquiries can correct this issue.

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 2018-11-13 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: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
I purchased a vehicle from XXXX XXXX XXXX on XX/XX/2017 and two separate hard inquiries have shown up on my credit report for the same purchase. Toyota Finacial Service and XXXX XXXX XXXX. This should only show as one hard inquiry as Toyota and XXXX XXXX XXXX is the same company ( Toyota Financial Service does the financing for XXXX XXXX XXXX. When shopping and purchasing such things as automobile and home loans, etc all inquires done around this purchase ( within a 14 day time frame ) should only show as one inquiry, not multiples as this lowers your overall credit score. Please correct my hard inquiry status to show one hard inquiry. I believe XXXX XXXX, XXXX and/or the companies listed above that did the hard inquiries can correct this issue. 


I also purchased another vehicle from XXXX of XXXX XXXX on XX/XX/2017 and two separate hard inquiries have shown up on my credit report for the same purchase. Toyota Motor Credit and XXXX of XXXX XXXX. This should only show as one hard inquiry as Toyota and XXXX XXXX XXXX is the same company ( Toyota Motor Credit does the financing for XXXX XXXX XXXX. When shopping and purchasing such things as automobile and home loans, etc all inquires done around this purchase ( within a 14 day time frame ) should only show as one inquiry, not multiples as this lowers your overall credit score. Please correct my hard inquiry status to show one hard inquiry. I believe XXXX XXXX, XXXX and/or the companies listed above that did the hard inquiries can correct this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 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: GA

Complaint narrative:
For some time now, I have informed Equifax that their reporting my account with XXXX XXXX XXXX is incorrect. Multiple supporting documents were delivered to Equifax with my dispute. Equifax responded to me saying " XXXX has confirmed the information is correct '', making XXXX the judge adjudicating that their own erroneous information is correct ... sort of like asking a defendant are you guilty?. 

( 1 ) XXXX is reporting account # XXXX as a " Charge Off '' when XXXX 's own internal account " Transaction History '' covering XX/XX/XXXX thru XX/XX/XXXX documents every one of  the 12 monthly payments were paid on time, as agreed. 

( 2 ) The Equifax report shows a " Past Due '' amount of {$5300.00} when the fact is this account is " Current '' and THERE IS NO PAST DUE BALANCE. 

( 3 ) Equifax reports the last payment reported by XXXX was XX/XX/XXXX when the verifiable facts confirm my payments have been paid on time with the most recent payment received and posted by XXXX on XX/XX/XXXX and the next payment due confirmed to be XX/XX/XXXX. 

The practice of allowing a company to confirm their own erroneously reported information is absurd and hardly an impartial " investigation ''..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: DC

Complaint narrative:
Santander Consumer repossessed my vehicle on XX/XX/18, and failed to notify me prior to doing so denying me and/or family members the option and legal right to resolve any delinquency prior to repossession as I had been hospitalized for 3 months and Santander had been appropriately advised. 

While repossessed, money {$3700.00} ; {$100.00} Visa Gift Card ; taken from my wallet which was inside the vehicle {$240.00} in groceries inside the trunk ; when it was repossessed ; and for severe damage the vehicle incurred while in their possession e.g., biological hazard, specifically, mold, front and rear fender ( s ) damage ; and damage to the rear upholstery of vehicle. 

PLEASE SEE ATTACH EMAIL COMMUNICATION TO XXXX XXXX, CORPORATE OFFICE OF SANTANDER FOR DETAILED EXPLANATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
Called and left messages with family members about a debt. Payment was made on XX/XX/2018 ; they called my son and left a threatening voicemail on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XX/XX/2018 I Called XXXX XXXX and Paid Complete Balance XXXX ( approx ) In Full Via Phone. 
BEFORE I MADE THE PAYMENT, I ASKED IF THE DEFAMATORY REMARKS AND THE INCORRECT STATUS ON MY CREDIT REPORT WILL BE REMOVED. I SPOKE TO XXXX PEOPLE WHO CLEARLY STATED ALL REMARKS EXCEPT XXXX 60 DAYS LATE ON ANY PAYMENTS WILL BE REMOVED " CHARGED OFF XX/XX/18 '' AND BALANCE OWING XXXX WILL BE REMOVED. 
XXXX XXXX HAS A RECORDING OF THIS CONVERSATION WITH BOTH EMPLOYEES. 
XXXX WEEK OF XXXX I CALLED XXXX XXXX EXPLAINING DEFAMATORY REMARKS AND INCORRECT STATUS NOT UPDATED. I WAS TOLD BY A XXXX XXXX EMPLOYEE THAT THE XXXX STAFF MEMBERS I SPOKE TO WERE WRONG, REGARDLESS IF THERE'S A RECORDING, THEY WILL NOT CORRECT THE ERRORS ON MY REPORT. THIS IS FALSE REPORTING. 
PLEASE LOOK INTO THIS AGAIN. THANK YOU

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 2018-11-13 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I requested debt validation concerning an illegitimate account by the name of XXXX XXXX University reporting to my Trans Union credit report. I originally sent a certified letter to XXXX XXXX University, and then to Trans Union requesting that this debt be validated, and if not, that it be immediately removed as this was never a debt of mine. 

I received notification that the debt validation request was received, however, the debt has not been verified. It has been over 30 days.

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 2018-11-13 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: Navient Solutions, LLC.
State: IL

Complaint narrative:
In XX/XX/XXXX, my students loans with Navient were to be due after my graduating in XXXX. By XX/XX/XXXX, I had submitted all of my paperwork to request a deference due to financial hardship. On XX/XX/XXXX, I had not only responded back to a direct Navient employee, XXXX XXXX, via email relaying this information but I had also called the company at approximately XXXX CST to tell them that I had submitted the required paperwork. The paperwork had been submitted twice via fax and once uploaded through their website. Navient did not process my paperwork until after the XXXX due date and marked me as having late payments on the four loans I have serviced through them. The deferment was ultimately granted but instead of making it effective from the XX/XX/XXXX due date, they adjusted the end date. ( This was confirmed by a Navient employee via phone on XX/XX/XXXX. ) I have called and spoke to them regarding this error on their part. I have emailed them the documentation showing that I had contacted their company over a month prior to the due date but they are stating that they are correct in reporting. I do not see how I am responsible for their delinquency in processing my paperwork when I had submitted everything in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Hello, I opened an account with Citi to receive a XXXX bonus. Here is a timeline of the events : XX/XX/18 Opened Citi Checking and Savings using offer code. 
XX/XX/18 Funds electronically transferred XXXX to checking and XXXX to savings per the requirements. 
XX/XX/18 I qualify at this 60 day mark but I need to leave funds there until XX/XX/18 aka 90 days after qualifying. 
XX/XX/18 I did online chat with Citi verifying that everything was in place and was told funds would be deposited on XX/XX/18. I saved the text of this chat. 

XX/XX/18 Viewed account and did not see bonus. Citi opened an investigations but they admitted they should have applied the bonus. Their back office is determining why. They said Id receive an email from back office by XX/XX/18. I did not receive an email and I verified they have my correct email address. 

XX/XX/18 I did chat again where told email would be there soon. I saved the text of this chat. I did not receive an email and I verified they have my correct email address. 

XX/XX/18 Chat again and was promised email by XX/XX/18. I saved the text of this chat. I did not receive an email and I verified they have my correct email address. 

XX/XX/18 Still waiting on an email from back office. 

XX/XX/18 Still no email regarding bonus so reached out to you at consumerfinance.gov for assistance.

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 2018-11-13 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: Flatonia Investments, LLC
State: MD

Complaint narrative:
I have recently started to repair my credit with the assistance of XXXX XXXX. During my review of my credit reports there had been a hard pull by XXXX XXXX as a request by a Mortgage Company called Envoy Mortgage, located in XXXX Texas and it is a Military Financing Company. 

XXXX XXXX sent out letters to both XXXX XXXX and the Mortgage informing them that I had not applied for a Mortgage and that the information should be removed from my credit. 

To date I have not heard from the Mortgage Company and XXXX XXXX refuses to accept liability.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Homes By Hunt LLC
State: LA

Complaint narrative:
Please See Attachments Based on my experience, I am requesting that an investigation reveals the routine, daily practices of Performance Mortgage ( Corporate NMLS # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX. I'm confident that the ratio between " non -white '' loan applications and " non-white '' loan approvals are very low. In contrast, I'm sure that the ratio between " white '' loan applications and " white '' loan approvals are very high. If this is true, then what happened to me makes sense. I'm hoping to uncover a routine practice within this firm that discourages, or overburdens " non-white '' applicants until they give up from exhaustion, or take their business elsewhere. 

Hopefully you agree that the mortgage loan officer has the power to share or withhold pertinent information that could make or break a deal. Communication documented in the 10 digital XXXX threads prove, that the mortgage officer was the only reason that a lender did not approve me for a loan. Note : Performance Mortgage and I, have access to the digital e-mail threads. Please provide an e-mail address so I can forward this information to the CFPB employee that will be handling this case. 

Thank You XXXX 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 2018-11-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
On XX/XX/2018 I contacted Wells Fargo and informed them that I was changing my Insurance to XXXX and that XXXX was faxing the new rate ( which was lower ). On XX/XX/2018 I noticed {$950.00} was taken out of my account. I called Wells Fargo and they informed me my insurance went up. I corrected them and told them they were informed XX/XX/2018 of the lower rate and new insurance company. They told me that the analysis was done on XX/XX/2018 and since I didn't request specifically for another one they couldn't change the payment. Again, I called Wells Fargo several times and they informed me that had the right amount because on XX/XX/2018 they paid the lower amount of {$690.00}. On XX/XX/2018 they still went ahead and took out more money and never informed me of this. I was then told that I could not get that money back and would have to stop payment. I would like to get the overage that I paid ( {$64.00} ). As a XXXX veteran I am on a strict budget and these unexpected costs can hurt me financially. Thank you for your time. 

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 2018-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC
State: ME

Complaint narrative:
RPM has contacted 24 times since XX/XX/XXXX. After receiving verification of debt I contacted RPM regarding a discrepancy between the last bill received by the phone company the amount they are trying to collect. The discrepancy amount is {$250.00}. I asked for RPM to explain the discrepancy and the person I spoke with was unable to do so. When RPM contacts me and I am available to answer I answer my phone, say hello twice and noone answer on the other end. The following is last phone calls ( times and dates ) since XX/XX/XXXX. 

XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX-answered 13 second call no answer from other side XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX answered 10 second call no answer from other side XXXX : XXXX-answered 8 second call no answer from other side, XXXX and XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX-answered 7 second call no answer from other side XXXX : XXXX answered 9 second call no answer from the other side XXXX : XXXX, XXXX XX/XX/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 2018-11-13 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: DISCOVER BANK
State: LA

Complaint narrative:
I have tried to get discover card to remove an account that is listed on my credit. It is not now, nor has it ever been my account. I have put more then the recommended amount of effort into it. I have at this time exhausted all resources, all abilities, and it is to no avail. Please help me get discover to remove this account that does not belong to me. 

This is in reference to another complaint filed. It was stated that a police report was never provided, when it was. It included my cellphone number, and email being hijacked. Please see attached report, along with the attached warrant that was issued for the person that conducted the ID theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
transunion credit has billed me the last 2 months on my XXXX credit card - for the months of XXXX and XX/XX/2018 I have never signed up for any service fromtransunion and don't know how they obtained my credit card number.

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