vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-12 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: Nicholas Financial Inc.
State: MO

Complaint narrative:
I sent a letter to Nicholas Financial Inc. on XX/XX/2018. I received a letter from them on XX/XX/2018 stating that the unauthorized credit inquiry would not be removed. This is hampering me from getting credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
XX/XX/2018 realized my account was blocked. 
No communication was given to me, no information, not even when I called, just to call next day. 

in the meantime I have at least 3 transactions I made today, thinking my finances were fine, and I will be liable for at least {$280.00} dollars in fees due to checks returned, in addition to damage to my credit. 

this was handled poorly and should always be notified of desitions like that with my money. 

I tried contacting the institution ans escalate to a supervisor, and my called was dropped.

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 2019-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
Based on the information contained in this complaint I feel that XXXX XXXX  is not acting in good faith with its current customers regarding the above referenced settlement. 

My daughter just received a {$45.00} check from XXXX XXXX for overdraft charges stemming from XXXX through XXXX when she had an account with them. She no longer has an account. 

But we still have an account and XXXX XXXX  made no such offer of repayment to us, even though weve paid far more fees in overdrafts when my husband complained many times about how they intentionally manipulated their system to create overdrafts by using the online system to provide one balance and then manipulating presentment of checks to create the overdraft. 

XXXX XXXX  letter to us regarding this settlement merely covers our freedom to revoke our opt-in overdraft services. 

Please investigate their failure to act fairly with current customers and if you find that they have again acted willfully please award their current customers monies and fines over and above the refunds they were initially due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 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: TX

Complaint narrative:
I contacted Experian twice about a collection account that recently popped up on my report. 

I fixed a dispute twice and told them the balance reported was wrong. That I am a customer of the debtor and I owe {$160.00} not {$870.00}. I also have pictures from the original merchant showing how much I owed them. Experian refuses to take it off of my account or resolve this and it dropped my score. The original merchant is XXXX, not 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 2019-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pinnacle Credit Services, LLC
State: CA

Complaint narrative:
I received a correspondence from XXXX XXXX XXXX dated XX/XX/XXXX, attempting to collect an alleged debt on behalf of Pinnacle Credit Services. I responded promptly once receiving this correspondence completely rejecting, rebutting and rebuking such a false claim and advised that I owe no such debt and have no contract or obligation whatsoever with Pinnacle Credit Services. I advised them to correct their records and respond in writing that their records are corrected and reflect that no debt is in fact owed and all collection attempts and activities will cease, as of XX/XX/XXXX, I have received no such correspondence. I advised that I would file this complaint with the CFPB and afterwards move forward with litigation if this unsolicited activity and harassment continues. I have attached my correspondence below.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 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: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
Chex systems is showing the wrong dates for XXXX  XXXX XXXX, it has already been over 5 years and should have been removed from my Chex system file. This erroneous information is not allowing me to open a savings account at my institution of choice. Thanks.

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 2019-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: First Technology Federal Credit Union
State: AZ

Complaint narrative:
Voluntary surrendered vehicle which was auctioned off with a balance of {$20000.00}. 
Spoke with XXXX XXXX XXXX XXXX, stating unable to pay off balance because I am no longer working and have been diagnosed with a very high aggressive XXXX XXXX. 
I have asked them to stop sending letters/certified letters to me via XXXX mail. They have continued to send certified letters. I am in the process of sending them I am in the process of sending them a certified letter stating to stop all types of mail contact with effective date XX/XX/2019.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 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: GA

Complaint narrative:
To whom it may concern : I have check my credit report and had found a delinquency on my XXXX card account which is in accurate, this is a alleged late payment on XXXX. 
As a consumer I have the right to request verification and/ or validation of this inaccurate reporting which is affecting my ability to obtain credit. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification. 
Under federal law you must provide : name, number, position occupide by the person how verified this late payment, failure to do this is a violation of federal law.

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 2019-01-12 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: FL

Complaint narrative:
The identity theft inquiries still on my credit report. Equifax has 2 XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX take off XXXX XXXX. Equifax told me it would take 90 days or less its passed that. Still on my report. XXXX for no reason removed good standing auto loan. It is less than 7 years. No reason it went off. Why? Its not identity theft or fraud. Put it back.Take off inquiry from XXXX XXXX I never made this inquiry ether. I called XXXX   about this auto loan taking off.

Bank told me its XXXX XXXX.

We report to all credit reports.

If it goes off its tXXXX XXXX fault!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Since XX/XX/XXXX I have been attempting to access an online account through Transunion to be able to freeze/unfreeze my credit report and other tools but I am being told online that my account is locked. I spent over an hour on XX/XX/XXXX, an hour on XX/XX/XXXX, half an hour on XX/XX/XXXX, and about half an hour today ( XX/XX/XXXX ). I was told my account would be fixed but as of today it is still locked. When I spoke to a supervisor today I was told my account is locked permanently and there is no way for them to ever unlock it and if I need help with anything regarding my account I have to call them, which is a huge inconvenience.

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 2019-01-12 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: FL

Complaint narrative:
The identity theft inquiries still on my credit report. XXXX has 2 XXXX XXXX XXXX XXXX. XXXX. Trans union take off XXXX XXXX. XXXX  told me it would take 90 days or less its passed that. Still on my report. Transunion for no reason removed good standing auto loan. It is less than 7 years. No reason it went off. Why? Its not identity theft or fraud. Put it back.Take off inquiry from XXXX XXXX I never made this inquiry ether. I called XXXX about this auto loan taking off. 
Bank told me its trans union. 
We report to all credit reports. 
If it goes off its trans union fault!

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 2019-01-12 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: FL

Complaint narrative:
The identity theft inquiries still on my credit report. XXXX has 2 XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX take off XXXX XXXX. XXXX told me it would take 90 days or less its passed that. Still on my report. XXXX  for no reason removed good standing auto loan. It is less than 7 years. No reason it went off. Why? Its not identity theft or fraud. Put it back.Take off inquiry from XXXX XXXX I never made this inquiry ether. I called XXXX about this auto loan taking off.

Bank told me its XXXX XXXX.

We report to all credit reports. 
If it goes off its XXXX XXXX fault!

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 2019-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Hi, I opened an American Express Business Platinum credit card on XX/XX/XXXX. I used the card until XX/XX/XXXX and spend more than {$30000.00}. In addition to exceeding the minimum spend, I paid a {$450.00} annual membership fee on the first month.

I decided to proactively cancel the card in XX/XX/XXXX. I wasn't told that closing the account will clawback the points I earned. One week after I closed the account, I got a Point Adjustment of XXXX which is the original promotion.

So I ended up spending XXXX on membership fee and more than {$30000.00} in regular charges and didn't receive any benefit.

I think what is advertised is very different than what is realized. Customer service should have informed me about the clawback when I called to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Incorrect account information, loan amount not matching student data.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Verisk Analytics Inc
State: TX

Complaint narrative:
I sent a request for LCI consumer reporting company a request to disregard the sharing of my credit report sharing. This company shares consumer credit information. This company holds documents that can show up on my credit report that can be embarrassing which could cause harm against my financial wellbeing. 

LCI does not make my credit profile available to me, even though my personal information is held within their company. LCI does not allow a consumer to freeze their credit shown within their database. I Dispute these actions. This is a violation of the FCRA which states a data furnisher of credit must respect consumer credit reporting laws. LCI is not above they law! LCI does not have my permission to share, obtain, nor store my credit information at anytime. 

I sent LCI a request to remove my information on XX/XX/19. LCI respneded XX/XX/19 that they are not a credit reporting agency, saying that LCI does not participate in credit reporting acts. This is false! LCI was found on a credit board being reported by a consumer to sharing bankruptcy information. 

LCI sent me a dishonorable response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Miller, Stark, Klein and Associates
State: ND

Complaint narrative:
XX/XX/19 : Received voicemail stating There have been several complaints in our office and have made multiple attempts to reach you at your home address Did not receive letters at home nor do I have anything on credit report for any debts. 
XX/XX/19 : Receive multiple missed calls from same phone number XXXX ( XXXX ) XXXX, no voicemail or company information given. 
XX/XX/19 : Company calls my place of employment and gives information to an employee about myself. I return call asking to not be contacted at a business. Lady threatens to contact work again and doesnt provide any information for reason of call just that they would be serving me with paperwork. I do not feel it is legal for any company to contact a place of business and give information over the phone. Debt collectors or mediators should not be allowed to contact places of business. I do not provide any personal information at any point, it is not my debt. I do not want them calling my personal phone let alone an employer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I did a balance transfer from my CAP ONE account to my XXXX ion the amount of {$1700.00} in XX/XX/2018. There was an issue of some sort in payment processing which resulted in a supposed returned check payment on CapOne 's side, but XXXX  does not believe that to be the case. So now I have a {$1700.00} balance on my CapONE card and my XXXX. I am paying CapOne {$1700.00} that I technically do not owe because this card should be at a XXXX   balance. XXXX  has escalated the issue on their end, but they are telling me they have had no luck with a response from CAPone. They have tried reaching out to CapOne via email, and through regular mail. CapOne has been no help whatsoever and this causing a great deal of stress now, because I take care of my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: NY

Complaint narrative:
This company is extremely hard to get in touch with and very unprofessional. Every time I sent an email, they only sent a generic letter in the mail saying they will review within 30 days. Well that hasnt been the case. I have called numerous times and their employees are rude and do not help. They give you the run around and blind transfer calls a lot to other departments that just arent willing to give any help, answers, or advice. My husband and I have been trying to reach out to Selene Finance who recently took over our mortage for the last few months. The reason we are trying to reach out is because the escrow analysis we received, we were told by a representative has errors. This company is trying to inscrease my monthly payments by {$500.00}. My mortage is already over {$5000.00}. Another {$500.00} on top of that seems ridiculous especially since our insurance has not increased and our taxes only increased by a little bit. I have explained alll of this to multiple representatives. I even spoke to one representative XXXX that told me if I want to file a complaint I should do so on XX/XX/2019, I was very upset, she showed no empathy and even raised her voice shouting at me. I also spoke to a representative by the name of XXXX ( I believe her name was ) in the middle of the day on XX/XX/2019 as well, and she worked in the tax department from what she told me. I was told my problem was going to get escalated so that the tax department can do another escrow analysis and my matter was suppose to get reviewed within 7 days. Well today was the 7th day and I have not received one phone call or email in regards to my issue. Its been very frustrating. I have left numerous callbacks for these representatives supervisors and not one of received. When asking for a supervisor they always say there is none here at the moment, or they are at lunch or gone for the day. Not being able to get any real answers from this company that has no problem sending you your monthly mortage bill and email reminders about payments is really unfair. They are pretty much ignoring my issue and has no regard or interest in getting it resolved. Every single time I call about this escrow analysis issue their representatives each tell me different information. How can one person tell me the tax dept is who I need to speak with, then when speaking to a rep in that department they tell me I need customer service and they can not help me. I just need someone to take this seriously. My husband and I have been making their ridiculous payments. I need this resolved as soon as possible. I have run out of patience. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Absolute Resolutions Corp.
State: CA

Complaint narrative:
This company did not even give Me a chance to pay. Three people signed our lease agreement, our father just cosigned. The bill in question was always going to be paid but we never got a bill, yesterday Our father was served with an intent to file, even though we are the actual signees, and they will not allow us to even set up a payment plan. Our father speaks broken english but has assets, and they are trying to take advantage of him and scare him into paying them in full by making him think he will lose everything if he doesnt cut them a check in full for our bill. These people are preying on someone who they know doesnt fully understand the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-12 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: OH

Complaint narrative:
According to my recent credit report request from Transunion.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX, CA XXXX  THIS ADDRESS DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX   THIS ADDRESS DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX THIS ADDRESS DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT EMPLOYMENT INFO XXXX XXXX XXXX THIS IS NOT MY EMPLOYER AND NEVER WAS PLEASE REMOVE THIS OFF MY CREDIT REPORT MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH 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