vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MIDCOUNTRY FINANCIAL CORP
State: WI

Complaint narrative:
Had a loan with Heights Finance. My daughter had a XXXX and was not working. My daughter and I live in the same house only different apartments. We combined our money to pay bills. It got tight but were doing our best to keep up. On XX/XX/XXXXheights finance discussed my entire acct with my daughter without my permission including payment amount and deferring a payment on the loan including the exact amounts needed to pay the loan and made payment arrangements on my acct without written consent. XXXX at our local branch then proceeded to call me and tell me that my daughter was XXXX and did n't know what she was doing and i should n't be helping her out with her bills, which is none of their business.

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 2017-08-13 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: PRESTIGE FINANCIAL SERVICES INC
State: NC

Complaint narrative:
I have been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is verified, but I do not know nothing about this company and has asked it be removed several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 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: NC

Complaint narrative:
I have been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is verified, but I do not know nothing about this company and has asked it be removed several times.

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 2017-08-13 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is verified, but I do not know nothing about this company and has asked it be removed several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is verified, but I do not know nothing about this company and has asked it be removed several times.

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 2017-08-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Last year i noticed two student loans on my credit file that claim were opened in XXXX 2002. I was not in school so i could not have opened any loans around that time. I 've disputed these accounts over the past few months in which experian and XXXX deleted one of the accounts from my file but not the other, then just about two months ago the same two student loan collections showed up on my XXXX file.

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 2017-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Last year i noticed two student loans on my credit file that claim were opened in XXXX 2002. I was not in school so i could not have opened any loans around that time. I 've disputed these accounts over the past few months in which XXXX and XXXX deleted one of the accounts from my file but not the other, then just about two months ago the same two student loan collections showed up on my Transunion file.

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 2017-08-13 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: CA

Complaint narrative:
Last year i noticed two student loans on my credit file that claim were opened in XXXX 2002. I was not in school so i could not have opened any loans around that time. I 've disputed these accounts over the past few months in which XXXX and equifax deleted one of the accounts from my file but not the other, then just about two months ago the same two student loan collections showed up on my XXXX file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Hello, my mother opened a UTMA account with about {$150.00}, which has now grown to {$190.00}. As per the law, UTMA accounts belong to the minor once they become of age, and the minor is legally required to be the full owner of the funds. I called Santander and they stated that they will not give me any information about this account, or let me have the funds that legally belong to me. Santander is thus violating federal law, and I demand that the account be correctly converted to be an individual account that is accessible, or that it be closed and the funds be sent to me. Illegally violating the law, and holding my money hostage, is not something that builds trust with a bank.

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 2017-08-13 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: Consumer Portfolio Services, Inc.
State: NC

Complaint narrative:
I have been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is verified, but I do not know nothing about this company and has asked it be removed several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 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: Exeter Finance, LLC.
State: NC

Complaint narrative:
I have been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is verified, but I do not know nothing about this company and has asked it be removed several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
got first modification XX/XX/XXXX, paid all payments on time. down payment was XXXX.
and three trail payments. had to prove by copies of canceled checks. stole third trail payment to apply to bogus XXXX. down payment, I said what? not part of my modification show where, what, partial answer its a down payment, I said show me where that XXXX. down payment came from as it was not part of my modification, never got an answer, they are to answer in 20 days, 6 years not resolved.
2nd modification no interest rate, no dollar figure paid by wire 11 payments, returned 11th payment.by taking third trail payment and applying to who knows where, to a fraudulent down payment, making all further payments 30 plus days late, before I even knew about XXXX. fraudulent down payment. I only found out I was late as I tried to do automatic payments online and was declined due to being late on payments, never late! Since they made all the mistakes, I should not be penilized. I want them to honor my first mortgage modification as most of the paperwork they sent re : Senator XXXX XXXX office, XXXX, 2017 said they can not help individuals, just the people, I 'm one of the people.
XXXX XXXX, Ocwen Loan Servicing llc, if their was any oversight this issue would have been taken care of 6 years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Between XX/XX/XXXX Thur XX/XX/XXXX made 9 different payments to bestbuy credit card in the amount of XXXX towards an 18 month no interest account. Each payment were made by check, noted on check 18 month account. In addition to these payments, the minimum payment were sent every month. Durning the year additional payments were sent to Best Buy credit card account. Any extra payment sent, nothing was applied to this account. XX/XX/XXXX statement shows XXXX interest charged to my account.

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 2017-08-13 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: Sierra Holdings LLC
State: NC

Complaint narrative:
I have been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is verified, but I do not know nothing about this company and has asked it be removed several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
I receive repeated calls, three times per day, including Sundays, at my office phone number. My office phone number was someone else 's before it was reassigned to me. If I pick up, a robot informs me that this is Southwest Credit Systems trying to collect a debt for someone named XXXX XXXX I am not XXXX XXXX, I have never heard of a XXXX XXXX. The robot informs me to press 1 if I am XXXX, or press 2 if I am not. I have pressed 2 twice. It says it will transfer me to a representative, but then hangs up. This has been going on for weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Student Loan Assistance Center
State: KS

Complaint narrative:
Last year I talked to the XXXX XXXX XXXX XXXX. I told them I did n't feel comfortable with their service and they said if I did n't want to proceed further I did n't have to. Today I received a debt collection notice on behalf of them from XXXX attempting to collect on that debt. I never used their services because I can literally do it for free. I am not responsible for this debt because they never did anything for me after I said I did n't want to use their services.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 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: Continental Finance Company, LLC
State: NC

Complaint narrative:
I have been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is verified, but I do not know nothing about this company and has asked it be removed several times.

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 2017-08-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is verified, but I do not know nothing about this company and has asked it be removed several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is verified, but I do not know nothing about this company and has asked it be removed several times.

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 2017-08-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: TX

Complaint narrative:
TRUEACCORD SENT ME AN EMAIL STATING THAT I COULD PAY MY DEBT TO THEM. I HAVE NEVER BORROWED MONEY FROM TRUEACCORD, NOR DO I OWE THEM MONEY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I have been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is verified, but I do not know nothing about this company and has asked it be removed several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 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: DISCOVER BANK
State: NC

Complaint narrative:
I have been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is  verified, but I do not know nothing about this company and has asked it be removed several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
In XX/XX/XXXX, Wells Fargo posted on my XXXX XXXX billing statement that my 6 month 0 % apr promo period was ending. My account was created in XX/XX/XXXX with a 1 year promotional billing period. When I submitted a complaint to Wells Fargo, they acknowledged an error and said that my promo period should have in fact been valid until XX/XX/XXXX. According to the policy on the back of the bill, if you submit an error to Wells Fargo, and they determine they were wrong, you will not pay any interest or fees on the amount questioned. Regardless of this policy, in XX/XX/XXXX I was charged an astronomical interest fee, at which point my {$200.00} balance reflected a {$140.00} interest fee. When I contacted customer service, he indicated that this is the interest on my amount owed in XX/XX/XXXX when my promotional term expired. I informed him that my promo term expired in XX/XX/XXXX, not XX/XX/XXXX, and that was an error I had previously disputed with Wells Fargo, so I should not have interest at all. He continued to assure me that the amount in question was correct, even though the amount which reflected an interest payment ( XXXX ) was never indicated as an amount owed at any time in my billing history. There was no further explanation on the bill. The rep then proceeded to calculate various numbers to find where a {$140.00} interest charge would come from, but he could n't pinpoint an amount that would yield this interest charge. He stood by the fact that the bill was correct, despite the fact the amounts were so deceptive that he could not even explain it. He then pushed the Average Daily Balance as the reason for my interest charge, claiming I was charged interest on my average daily balance for the previous month, but instead of explaining this to me, he continued to say it was too complicated for consumers to understand how they calculate how much they owe. I requested this complicated algorithm, because as a consumer you have a right to know what you are paying. Evidently, these things are so deceptive, it is a secret. According to the billing error policy, I should not have interest at all, yet Wells Fargo is attempting to deceive me into an extra profit for their company. I have written a letter to complain about my interest charge, since it should be {$0.00}, but have not yet received a reply.

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 2017-08-13 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: CITIBANK, N.A.
State: TX

Complaint narrative:
CBNA is showing that I have an account with them and that it was closed as a charge-off after failure to pay in XX/XX/XXXX. I do NOT have an account with them. I have written the company XX/XX/XXXX telling them that I dispute the accuracy as the account is not mine. I asked them to provide details as to the name and address of the person who opened the account. As of XX/XX/XXXX, they have not replied.
I am attaching a copy of the specific page in my credit report as well as the letter I sent them.

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 2017-08-13 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: Creditrepair.com, Inc.
State: NC

Complaint narrative:
I have been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is verified, but I do not know nothing about this company and has asked it be removed several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 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: Clarity Services
State: NC

Complaint narrative:
I have been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is verified, but I do not know nothing about this company and has asked it be removed several times.

Company response to consumer: Closed with explanation