vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: NC

Complaint narrative:
I receive my SSA benefits on a Direct Express Mastercard. On XX/XX/2019 fraudulent charges were made totaling {$170.00}. I immediately contacted Direct Express =found out charges where from XXXX XXXXXXXX and XXXX XXXX, which I did not authorize. Card was cancelled and a new one was issued which costs another {$13.00}. Was transferred to the Fraud Dept. Filled out the fraud form and mailed it as I was directed. On XXXX XX/XX/2019 received letter the funds were reissued to my card which they were. Thought everything was fine. On XXXX XX/XX/2019 the {$170.00} was removed from my new issued card. Immediately called the Fraud Dept of Direct Express. Was told that nothing could be done because the investigation was closed and not ruled in my favor. I have never received any information of why these charges were not fraudulent. I requested a number for XXXX XXXX stuff. The number given would not go through. XXXX XXXX XXXX XXXX which wasn't surprising. I also requested to speak to the Fraud investigator who ruled not in my favor. Of course, the agent did not know who it was. I have called repeatedly for days trying to get a rep but now automated message saying my account is not available. To call back at a later date. What I am getting from this is Direct Express or  Comerica Bank have no intention of reimbursing my {$170.00} or notifying me of what this XXXX   XXXX is. Is there anyway you can help me? How many other elderly I am XXXX, have been ripped off this way? Thank you so much.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nevada Credico, Inc.
State: NV

Complaint narrative:
I never received any bill or notice. Credit bureau has it on my credit 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 2019-10-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX is reporting that several accounts were delinquent at least or more than 90 days. This is completely false. I have contacted XXXX XXXX services and disputed this but they have never made any attempt to correct or validate their error. 

I have one student loan. It was consolidated. There are 6 student loans showing delinquent states on my credit report when I have never ignored or missed any agreed upon payment. In most cases they were processing paperwork for a deferment or did not know the nature of their own student loans. I am an XXXX for the last 18 years and should be eligible for the XXXX  Forgiveness Program but when I call they dont know what I am talking about and transfer me from one department or the other until I have run out of allotted time devoted to this. In some cases this has been over 1 hour. 

My balances, payments and terms are incorrect because of this but they continue to knowingly inaccurately report my student loan. 

I have not been late with them. In regards to their latest reported late payments I applied for the Income Based Repayment plan. While they were processing it they informed me they were placing the loans in deferment status. This was for the months of XXXX, XXXX and XXXX. In XXXX I was approved for the IBR payment plan. I spent an hour with a XXXX  loan person and he promised that I qualified for an immediate loan forgiveness. I also asked " who owns the loan? '' He responded " XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, and XXXX XXXX ''. I've been given all these answers from personnel and nothing but derogatory credit is the result. 

I have been unable to purchase a home and have suffered financial injury due to their inaccurate reporting which is in violation of precedent established by the US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan. 

They have ignored my disputes and pleas for accuracy. This is violation of FCRA Section 623. 

XXXX and Experian knowingly facilitate this. After failing to achieve effective communication with my loan servicer I have also tried to have these errors corrected directly with Experian, XXXX and XXXX. They continue to do mock investigations and let gross inaccuracies remain on my credit report. This has caused me financial injury and is in violation of FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv-01743 ).

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 2019-10-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I leased a XXXX XXXX XXXX in XXXX of XXXX from XXXX XXXX XXXX. This year I was unable to renew my registration because the year on the title of my vehicle is incorrect. The year of purchase on the car is listed as XXXX instead of XXXX. The California XXXX confirmed this and requested a title modification in order to renew our registration. 

I've been calling Infiniti Financial Services ( IFS ) since XXXX and they said that they will get this problem resolved. We are in XXXX now and my car no longer is eligible for a temporary registration. I STILL have an error on my title and I am making payments for an XXXX that I can not drive. 

I just spoke with an IFS agent for an update, and from my understanding the title has been reviewed and sent to the dealer for a modification. HOWEVER, the XXXX XXXX XXXX is PERMANENTLY CLOSED. They have not followed up with this issue nor have they checked their facts to realize that there is no one at XXXX XXXX XXXX dealership to accept their request. 

I spoke to another local dealership and they advised me to get in contact with XXXX XXXX XXXX. However, all the numbers provided were dead ends. 

I keep getting brushed off and ignored and neglected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
In order to avoid being foreclosed I was offered a modification in which I was approved. I have made all of my payments and sent in my paperwork. My checks have been received and cashed. I never received an email, phone call, or certified mail that my property will sold at auction and now the sale has been confirmed and I have 30 day to vacate the property

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2018 I notified XXXX XXXX I will be returning the vehicle as the engine blew. It was discovered GAP insurance was not on the vehicle and I was unable to store a diminished vehicle. On XX/XX/2018, I notified XXXX XXXX I am no longer liable for the vehicle as XXXX XXXX remains the lean holder of this account. The vehicle was returned and sold, by XXXX XXXX on auction. Payments were applied to the account. On XX/XX/2018, XXXX XXXX agreed to modify my loan term ; extending my loan term, decreasing my monthly payment to {$220.00} and to report the account type/ status as an unsecured loan. Over the past year, XXXX XXXX has reported several failures to pay, delinquent status. As agreed I have upheld my end of the agreement. XXXX XXXX has repeatedly reported damaging information all credit reports.

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 2019-10-04 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX keeps reporting accounts that are in someone else name and social security number. The following items on the enclosed PDF file are not mine. There is an alternate social that XXXX  keeps reporting and can not get it through their head that the alternate social being reported IS NOT MINE and all the creditors have verified this and told me they removed the item, but yet XXXX continues to report it. I have enclosed a printout of the items, every item in YELLOW is NOT MINE, also a copy of the latest three police reports filed. The two addresses in yellow are not mine either. XXXX said they would remove it, Wells Fargo sent a letter to remove it and yet they appear still on my 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 non-monetary relief
Consumer complaint received 2019-10-04 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:
On Monday XX/XX/XXXX, I went to XXXX XXXX XXXX on XXXX XXXX XXXX in XXXX, WA, to close my checking account with them. I took my balance in a check over to XXXX XXXX XXXX XXXX XXXX XXXX and deposited it into an account I had opened on XX/XX/XXXX. 

On Thursday XX/XX/XXXX, I received an email about a low balance notification for the account that I had been assured in person was actually empty and closed. I called XXXX  XXXX XXXX corporate and they told me they would take care of it and close the account. I didn't hear from them again until I received a letter in the mail in XXXX of XXXX that the account was delinquent and had been closed. This triggered an entire credit card collapse with XXXX, XXXX XXXX 's, and XXXX XXXX credit cards I had just opened. When I called XXXX XXXX XXXX they said they couldn't do anything because I hadn't paid low balance fees. There shouldn't have been low balance fees for an account that was deliberately emptied and closed in person at a XXXX XXXX  XXXX location, nor should those other credit card companies have closed their credit lines on me due to incorrect information. 

Additionally, the credit report says my XXXX  XXXX XXXX account existed from XXXX, which is certainly not true. I used XXXX  XXXX XXXX as my sole bank account from XXXX, when I closed it and moved over to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: EQUIFAX, INC.
State: WA

Complaint narrative:
On Monday XX/XX/XXXX, I went to XXXX  XXXX XXXX on XXXX XXXX XXXX in XXXX, WA, to close my checking account with them. I took my balance in a check over to XXXX XXXX XXXX XXXX XXXX XXXX and deposited it into an account I had opened on XX/XX/XXXX. 

On Thursday XX/XX/XXXX, I received an email about a low balance notification for the account that I had been assured in person was actually empty and closed. I called XXXX  XXXX XXXX corporate and they told me they would take care of it and close the account. I didn't hear from them again until I received a letter in the mail in XXXX of XXXX that the account was delinquent and had been closed. This triggered an entire credit card collapse with XXXX, XXXX XXXX 's, and XXXX XXXX XXXX cards I had just opened. When I called XXXX  XXXX XXXX they said they couldn't do anything because I hadn't paid low balance fees. There shouldn't have been low balance fees for an account that was deliberately emptied and closed in person at a XXXX XXXX XXXX location, nor should those other credit card companies have closed their credit lines on me due to incorrect information. 

Additionally, the credit report says my XXXX XXXX XXXX account existed from XXXX, which is certainly not true. I used XXXX XXXX XXXX as my sole bank account from XXXX, when I closed it and moved over to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-04 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: CA

Complaint narrative:
XX/XX/2019 I attempted to get a loan approval from XXXX XXXX. Upon running a credit check Equifax report stated : 1. APPLICANT FILE BLOCKED AT EFX. ( XXXX ) 2. APPLICANT INFORMATION FROM THE INQUIRY HAS BEEN IDENTIFIED BY THE CONSUMER AS FRAUDULENT- REPORT UNAVAILABLE. ( XXXX ) Both XXXX and XXXX had no issues pulling a credit report. 
Contacted Equifax to resolve but was directed to fax their dispute deportment. 
XX/XX/2019 I faxed them to look into the issue. 
XX/XX/2019 Equifax replied stating unable to locate a credit file stating " not having a current file '' as a reason for this issue. 
I have now gained a loan approval from XXXX XXXX but they are coming up with the same reports of " File Blocked '' and " Fraudulent ''. Again both XXXX  and XXXX had no issues. 
XX/XX/2019 I have again attempted to contact Equifax to resolve this issue but was directed to fax their dispute deportment. I again have done so with more information and to clarify that I needed this unblocked and a written statement as Not Fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP
State: CO

Complaint narrative:
XX/XX/19 I applied for a business credit card. I was declined, when I called in to ask why, I was told that they do not accept applicants that do not currently do banking business with them. They do not advertise this in the application process. We never had a chance of being approved, yet they allowed us to proceed with the application and take a hard hit on our 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 2019-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: IQOR US INC
State: IL

Complaint narrative:
i used to have a checking account number ending in XXXX i want to pay the negative balance but the bank refuse to take money the bank employee they have order from excutive not to keep the bank account open, two of XXXX bank employee successfully closed the account pursuade two federal XXXX govt offical who told the bank to close the account to punish me they have big the main federal govt offical who is XXXX in XXXX and one in other state through out the investigation the real story will come out

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 2019-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: NY

Complaint narrative:
I have been requesting a monthly statement for the last 4 months. Because this XXXX/ dovenmuehle mortgage, Inc. have a habit of changes in lawyers, as well changes of where the mortgage is to sent. Besides i would also like statement for my own records. in the past several years they reported to credit agency that i had not paid my mortgage in two 2 years, they done this to many times. we have requested the check returned to us. which they claimed that we received, when in fact we had not. 

With all the reports on both these company, you would think some would of have the guts to really look it them. enough is enough

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Harley Davidson Financial Services Inc
State: CA

Complaint narrative:
I noticed that my most recent credit report contains late payment ( s ) reported on XX/XX/2016, XX/XX/2016, XX/XX/2016 for my Harley Davidson account. 

I understand, and have great respect for my financial obligations. 

Unfortunately, at the time of the incident mentioned above, I had was unable to pay at the time due to being laid off from my job.. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 

In the near future, I am planning on applying for Mortgage loan, and it has come to my attention that the missed payment ( s ) on my credit reports could hurt my ability to qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Why im paying {$90.00} which i doubled the repayment for the loan to pay it off and they only apply {$60.00}. a month to the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian. They offer a Boost service. However, this worked the first time. Since then, it has not verified the accounts I have on Boost. I went on Experian ' s site to try to do this. It was not effective. It gives a pop up to " paste '' the bill yet it does not work. There is no way to provide the documentation. I call and no matter which questions I answer, it never takes me to a person even though I am calling during business hours. Because of this error on their part, my credit has DECREASED!!!! This is a rip off. Bate and Switch??? Is there anybody who can regulate Experian? They are messing with my credit. They hold me XXXX by their system that is clearly now harming me. The credit agencies should be shut down because it is designed to help lenders and harm borrowers and Experian does not even have the decency to be available to assist. How is this legal???

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 2019-10-04 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b in general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In  general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XX/XX/XXXX inquiry from XXXX XX/XX/XXXX inquiry from Navy Federal Credit Union XX/XX/XXXX inquiry XXXX   XXXX XXXX I Called XXXX and XXXX twice they did not remove these inquires. 

I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below, and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX DOB : XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation