vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.The date of last active and last payment is not reported consistently.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Per the attached letter, I have been contacting Equifax by mail, phone, and online to remove a consumer statement- to no avail. I even tried to have it change to no avail. I simply want the consumer statement removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
My Frost bank accounts have been hijacked by one of their representatives XXXX XXXX XXXX who instead of calling or emailing me has frozen my accounts and called my ex-girlfriend. I have no access to financials well over {$500.00} and have not authorized any action on the part of Ms. XXXX or Frost Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: NJ

Complaint narrative:
I was with Lexington in XXXX for a good year and again XXXX they told me it would fix my credit score they would take off negative items off my credit report to bring me score up ... I paid all the time and nothing all they did was take my money and nothing was taken off my credit report just a scam

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On approximately XX/XX/2019, Santander Bank removed my opening deposit from all my accounts causing many of them to go into overdraft. This was done without any contact from anyone at the bank. I have yet to receive account statements, I have yet to get a follow-up call from XXXX XXXX after leaving several messages. 

I am requesting the overdraft fees be refunded on all our accounts as we did not authorize the transactions to take place and had no knowledge this was happening. 

I would also like to receive a copy of what credit cards you have refunded the money to, because I have yet to receive all of the money. Thank you for you quick reply as I will be filing another complaint if this goes on my chex report. 

I'm not sure where a bank can take money from the account without consent, not give the refund, charge overdraft fees, and turn it over to collections.

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 2019-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: NY

Complaint narrative:
AR Resources Incorporated has erroneous information posted on my credit file. I have disputed the account with both the credit bureaus and XXXX and they have still not provided with sufficient evidence and refuse to delete wrongful information from my credit file. 

The had 30 days by law to provide sufficient information which they did not. If they do not delete immediately we will have no other choice than to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 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: ONEMAIN FINANCE CORPORATION
State: NC

Complaint narrative:
On XX/XX/2019 I went on to the XXXX XXXX website to see about loans that I could be eligible for. On the website it indicated that I could check for rates without hurting my credit score, that a soft pull would be done. I entered the last four of my social security number with the understanding that hard pull would not be done on my credit report. XXXX  XXXX  then provided me with several lenders that would be willing to give me a loan and listed terms so that I could so that I could choose the lender that I wanted. I then got an email from XXXX  indicating that OneMain Financial put a credit inquiry on my XXXX  credit report ; however, I did not request any thing from OneMain Financial. I ended up taking a loan from another lender but I never even looked into taking out a loan with One Main Financial. They did not have permission to pull my credit, I did not fill out any applications with them, and I did not request any additional information from them so they should not have pulled my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 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: MO

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, as well as inquiries not belonging to me. However the credit reporting agencies are refusing to remove the information stating that items come back validated even though the information is incorrect. 

ENCLOSED IS A COPY OF MY IDENTITY THEFT REPORT SUPPORTING MY POSITION IN ADDITION I AM ENCLOSING A COPY OF SECTIONS 605B 615 ( F ) AND 623 ( A ) ( 6 ) OF  THE FAIR CREDIT REPORTING ACT ( FCRA ) WHICH DETAIL YOUR RESPONSIBILITIES AS AN INFORMATION FURNISHER TO CONSUMER REPORTING AGENCIES IN RESPONSE TO THE IDENTITY THEFT REPORT I AM PROVIDING

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Trans Union is incorrectly reporting my XXXX XXXX account as a charge-off when it was included and discharged in bankruptcy ; also, Trans Union is incorrectly listing the closed date of my XXXX account as XX/XX/XXXX, XXXX thus lowering my credit score by 15 points as it looks like a recent missed payment/delinquency. The actual closed date was XX/XX/XXXX ; previously, the closed date was listed as XX/XX/XXXX. 

Trans Union can look at past credit reports and know that what I am reporting is true.

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 2019-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
XXXX XXXX Loan # XXXX Loan SubServicer - LoanCare LoanCare LLC XXXX XXXX XXXX XXXX XXXX, VA XXXX Complaint : LoanCare has put my account in delinquency without informing me. LoanCare is preventing me from getting accurate information about my account. 

I have missed NO PAYMENTS! 

LoanCare keeps sending me letters every month that I have missed payments ( which is untrue ). I have Certified Letter Receipts/USPS MoneyOrders Stubs fro every payment showing it was Signed for/received by LoanCare & money orders were cashed. I keep sending them certified letter disputing their claims. Attached copies of their letters. 

Attachments : LoanCare Default Letters - 6 months LoanCare Confirmation Letter - Illegal increase of loan amount Example of my dispute letter - Qualified Written Request - Not Answered as required by Law Proof Of My XX/XX/XXXX/XX/XX/XXXX Payments. I have proof of all payments made. 


When I try to access my account on LoanCare website - www.myloancare.com, I am unable to create my account ( error your information does not match records XXXX. 

I have tried numerous times to call them on phone # XXXX, I have been put on hold each & every time ( 42 minutes/37 minutes/28 minutes/31 minutes ) &  very often the call is disconnected! 

I was finally able to get a call back on XX/XX/XXXX. But the agent declined to give me any information. She asked that I call back & get transferred to the Deliquency Department. She can not help me. ( Agent ID XXXX-Name XXXX - XXXX XXXX XX/XX/XXXX ). 

I can not find out whats happening to my account & I have been unable to get any information from LoanCare!

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 2019-10-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I was approved for two store credit cards with Comenity Bank, XXXX, XXXX and XXXX and XXXX. I also have a XXXX account with them that was paid on time and even paid off early. I went to use one of the cards right after receiving and was told the account was closed due to the bank deciding I was a high risk. This then happened again today with the other new card. What they did though was report both accounts as newly opened accounts to all bureaus then closed them right away and this action dropped my credit scores by almost 20 points. I have been working for years after a bad marriage and an ex who ran up all my bills to get my credit back on track and finally had scores over 700 until this happened. I was told on the phone that the cards were pre approved and the bank had the right to take that back. I have been in the finance industry for over 30 years now and a pre approval should not be something reported on credit reports. They should not be allowed to report until a FINAL decision is made. I feel this is a horrible business practice and I am not the only one. XXXX this company and there are hundreds of people if not thousands who have been adversely affected by this poor loophole.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On approximately XX/XX/2019, Santander Bank removed my opening deposit from all my accounts causing many of them to go into overdraft. This was done without any contact from anyone at the bank. 

I received a letter ( which I have attached ) from XXXX XXXX saying all funds would be refunded which has not yet happened. My husband and I have received only {$4500.00} of the {$6500.00} we are expecting to receive from the letters XXXX XXXX has sent. 

I have yet to receive account statements, I have yet to get a follow-up call from XXXX XXXX after my husband and I have left messages. 

I am requesting the overdraft fees be refunded on all our accounts as we did not authorize the transactions to take place and had no knowledge this was happening. I would also like to receive a copy of what credit cards you have refunded the money to, because I have yet to receive all of the money. 

Thank you for you quick reply as I will be filing another complaint if this goes on my XXXX   report. Banks should not be able to take money from someone without consent, charge overdraft fees, and not give the money back to where I was originally charged.

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 2019-10-20 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: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have disputed my Regions account ( personal loan ) through the credit bureaus and i tried contacting Regions, but all the phone # s do not work. 

Regions Bank has been incorrectly reporting the closed date of my personal loan since it was included in bankruptcy last XXXX. 

The actual closure date was XX/XX/XXXX ; at first, regions Bank put the closed date as XX/XX/XXXX, then XX/XX/XXXX, when I disputed it at the time, and now Regions reports the closed date ( as result of a dispute ) as XX/XX/XXXX, which caused my XXXX  credit score to drop by 15 points as it is seen as a recent delinquency.

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 2019-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Transunion readded more than 20 inquiries to my credit report that were previously deleted from my credit report. These new credit inquiries are not the result of new credit applications and are just inquiries that have been previously deleted. There are also multiple inquiries from the same companies and dates despite me only applying for credit with those companies once. When I called, the representative told me that there was nothing they could do about the inquiries.

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 2019-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
On XX/XX/2019, I applied for a {$40000.00} auto loan. Due to starting a new job, I provided to Navy a copy of 1 check consisting of two week pay ( {$8800.00} ) and my offer letter detailing that my yearly salary is {$190000.00}. It is clear that I am able to afford a loan of this type. But according to Navy personal, because I am on a contract I do not qualify for a loan and was denied. After speaking with them, I requested to modify the loan terms to {$20000.00} and 1 year loan. That too was denied. This is America, therefore, not every job is guaranteed. I was told, due to the fact that there is an expiration date to my contract I would not qualify for a loan. As a part of that offer letter, it states the possibility of extension. For every contractor, work is based on a length of time. Navy Federal has discriminated against me. And, most federal jobs today are based on contract. Navy Federal is denying those with the ability to pay loans solely because they are on a contract. 

I would like to have the discrimination practices stop by Navy Federal Credit Union.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Performant Financial Corporation
State: TX

Complaint narrative:
I took a 5 student loans out in XXXX, for school totaling less than 6000 dollars. I never graduated. I consolidated these loans at 7 % and paid most if not all in full. 

I have had financial bumps in the road and have filed Chapter XXXX twice. Now I am told my loan in totaling XXXX dollars. I have asked for a detailed payments that have been applied, tax refunds that were taken. 

I never have gotten a detailed statement. Only a statement of what they think I owe I was told that the interest and fines accrues quickly. Also the 7 % interest rate I signed is on each separate loan consolidated. Which is an interest rate really of 35 % That in my opinion is a preditory loan Now they want to garnish my wages. I am still very financial unstable. 

I cant believe that this type of federally sponcered loan practice can happen

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 2019-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
This is ianccurate because the late remarks, there is no late remark in XXXX then why is there in XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, as well as inquiries not belonging to me. However the credit reporting agencies are refusing to remove the information stating that items come back validated even though the information is incorrect. 

ENCLOSED IS A COPY OF MY IDENTITY THEFT REPORT SUPPORTING MY POSITION IN ADDITION I AM ENCLOSING A COPY OF SECTIONS 605B 615 ( F ) AND 623 ( A ) ( 6 ) OF THE FAIR CREDIT REPORTING ACT ( FCRA ) WHICH DETAIL YOUR RESPONSIBILITIES AS AN INFORMATION FURNISHER TO CONSUMER REPORTING AGENCIES IN RESPONSE TO THE IDENTITY THEFT REPORT I AM PROVIDING

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 2019-10-20 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: MO

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, as well as inquiries not belonging to me. However the credit reporting agencies are refusing to remove the information stating that items come back validated even though the information is incorrect. 

ENCLOSED IS A COPY OF MY IDENTITY THEFT REPORT SUPPORTING MY POSITION IN ADDITION I AM ENCLOSING A COPY OF SECTIONS 605B 615 ( F ) AND 623 ( A ) ( 6 ) OF THE FAIR CREDIT REPORTING ACT ( FCRA ) WHICH DETAIL YOUR RESPONSIBILITIES AS AN INFORMATION FURNISHER TO CONSUMER REPORTING AGENCIES IN RESPONSE TO THE IDENTITY THEFT REPORT I AM PROVIDING

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 2019-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
On XX/XX/2019, I recieved an automated phone call, which was then answered by a representative of Midland Credit Management. I've been recieving and responding to these phone calls for the past month or so. Explaining to Midland that I intend to resolve the debt. The representative I spoke with today at approximately XXXX XXXX, mountain time, seems more concerned with why the debt defaulted in the first place. I explained the debt was at least 2-3 years old, and was ready to reach an agreement with them. He continued to insist that I explain why the debt became delinquent. Which, in the case of such an old debt, is immaterial. I made every effort to communicate my intentions of resolving the debt, to no avail. I also asked the representative for his callback number, in case I needed to reach him again, he did not refuse to provide it, however he did not give it to me. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
XX/XX/2015 {$2000.00} I provided collection company and all three credit bureaus with proof of identity theft an police report documentation in regards rlto criminal investigation with all fraudulent accounts listed in report. XXXX and XXXX removed account. But even after several attempts XXXX  has yet to comply with fair credit reporting act and continues to list fraudulent account in my credit report. I have ask for proof of there debt validation letter or supporting document but XXXX  has fail to furnish any documentation even thought they are claiming they verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/2019, I recieved an automated phone call, which was then answered by a representative of XXXX XXXX XXXX. I've been recieving and responding to these phone calls for the past month or so. Explaining to XXXX that I intend to resolve the debt. The representative I spoke with today at approximately XXXX XXXX, mountain time, seems more concerned with why the debt defaulted in the first place. I explained the debt was at least 2-3 years old, and was ready to reach an agreement with them. He continued to insist that I explain why the debt became delinquent. Which, in the case of such an old debt, is immaterial. I made every effort to communicate my intentions of resolving the debt, to no avail. I also asked the representative for his callback number, in case I needed to reach him again, he did not refuse to provide it, however he did not give it to me. Thank you

Company response to consumer: Closed with explanation