vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-20 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Credit freeze, identity theft hold on my credit profile. XXXX is reporting credit inquiry from XXXX XXXX/XXXXr XXXX XXXX, XX/XX/2018. I have mailed a request to XXXX to remove, they failed to follow procedure with credit freeze, identity theft on my profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
XX/XX/XXXX, I made an online purchase from XXXX XXXX XXXX XXXX for {$470.00} for a coffee table. The approximate delivery date was to be 56-84 business days. XX/XX/XXXX, purchase posts on my Bank of America account. XX/XX/XXXX, I sent an email inquiring of the status of my order. XX/XX/XXXX, I received a response apologizing and blaming an employee. They also moved delivery date to XX/XX/XXXX. XX/XX/XXXX, I sent another email inquiring of the status of my order. XX/XX/XXXX, I received a response stating they were still behind but my order was in production. XX/XX/XXXX, I sent another email and did not get a response. XX/XX/XXXX, I sent an email officially requesting a refund. XX/XX/XXXX, I contacted Bank of America to dispute the charge based on fraudulent business practices. I received a temporary credit. On XX/XX/XXXX, BofA notified me they were reversing the temporary credit because it was outside their time frame to investigate the claim. I was never contacted by anyone from BofA to collect the evidence of my claim, which substantiated the extended time frame. On XX/XX/XXXX< I contacted BofA and requested my claim be reopened. I was given instruction to complete a rebuttal letter and provide the correspondence I had between myself and the company. I provided this to BofA on XX/XX/XXXX. On XX/XX/XXXX, BofA removed {$470.00} from my account. On XX/XX/XXXX, I contacted BofA and again requested my claim be reopened. BofA supervisor XXXX, in Arkansas, refused to do so based on being outside the time frame, despite what I was told previously by BofA and the evidence I provided to them. I can share the same with your agency once I am contacted.

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 2018-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
GM financial and XXXX XXXX XXXX. 

GM account number : XXXX Complaint : I had received no notification, by mail, phone, or email. GM did not even have my phone number which is unchanged going back to 1997 or email, but sent a employee of their contract with XXXX XXXX XXXX to reposes my vehicle over a very small amount. I paid the entire amount in full of {$3000.00} the very moment I found about this mess. 
Concern : The employee from XXXX XXXX XXXX frienghted my family, with us calling the XXXX county police on him- which they concurred his behavior set him up for potential criminal liability over harassment charges. I do have him on video. 

My concern is over the entire way this has been handled. The individual from the car retrieval company is fortuantate I did not pursue charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 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: GA

Complaint narrative:
I've reach out to Transunion on several occasions, I'm not sure what's going on but I would like this issue cleared up asap. Transunion is reporting my old XXXX XXXX XXXX loan account 30 past due. This account had not been past due or 30 days also the pay status shows ACCOUNT 30 DAYS DUE This XXXX account # XXXX opened XX/XX/XXXX was paid off in XX/XX/XXXX the pay status should be Current or Paid not 30 days past due ( PLEASE UPDATE IMMEDIATELY ) ..Also, Transunion is reporting XXXX XXXX Acct # XXXX pay status account 120 days past due this account was paid off in XXXX the pay status should be Current or Paid not 120 day past due ( PLEASE UPDATE IMMEDIATELY )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/18 I received a call from Mrs. XXXX XXXX Chase to tell me that their response to my original complaint will stand and that they will not change their response. She stated that Chase policy prohibits holding payments even though that was precisely what XXXX XXXX did to me. She continued to accuse me of being " behind payments '', " not paying '', " fail to pay '' and more just as they have done in their response to CFPB. I reiterated that " Forbearance Program '' means that the customer will miss a certain amount of payments ( hence the name of the program ) and that these payments will be repaid at the back end loan, Mrs. XXXX and Chase seems to have a disdain for those who customers who enter the program and stop at nothing to harras, threaten, hold payments, write accusatory letters, and make phone calls just like the one on XX/XX/18.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: LA

Complaint narrative:
This XXXX XXXX debt was never mine as I have NEVER lived in XXXX over the age of XXXX, never applied for credit, nor service from that company. Additionally, I made this known as suspected identity theft and the item was REMOVED from my credit report. However, it has been re-added saying that it is an open account as of XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
started calling from XX/XX/2018 everyday until now XX/XX/2018 XX/XX/2018

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-20 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2018 I purchased a car from XXXX of Downtown XXXX from XXXX XXXX a sales representative. Before I even walked in the dealership I had my credit union pre-approve me for the purchase of my vehicle. When I spoke with XXXX I made it clear that I had my loan pre-approved and there was no need for him to run my credit. XXXX explained and assured me that he had to run my credit at least once so they can draft a Sales Contract, he did not make me aware that he will run my credit over 7 different times with different lenders for no reason especially because I was already pre-approved elsewhere. As I was sitting there waiting for the documents to get drafted I got several alerts that someone was viewing my credit, he assured me again that was not the case. Within a week my credit score dropped 20 points and a have 7 hard inquires. 
Ive tried calling and emailing the dealership to ask why they would run my credit without my consent, since no one called me I walked in and finally spoke with XXXX XXXX a manager ( he was of no help ). As a consumer I feel betrayed and lied to, they miss used my social security without my permission for their own gain. After reading online how this affects many people and no one seems to do anything about it, can you please help. 

I've called the creditors and they cant do anything, I've tried making a police report and they said its a civil matter, placed a complain with FTC and they are looking into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2018 I purchased a car from XXXX of Downtown XXXX from XXXX XXXX a sales representative. Before I even walked in the dealership I had my credit union pre-approve me for the purchase of my vehicle. When I spoke with XXXX I made it clear that I had my loan pre-approved and there was no need for him to run my credit. XXXX explained and assured me that he had to run my credit at least once so they can draft a Sales Contract, he did not make me aware that he will run my credit over 7 different times with different lenders for no reason especially because I was already pre-approved elsewhere. As I was sitting there waiting for the documents to get drafted I got several alerts that someone was viewing my credit, he assured me again that was not the case. Within a week my credit score dropped 20 points and a have 7 hard inquires. 
Ive tried calling and emailing the dealership to ask why they would run my credit without my consent, since no one called me I walked in and finally spoke with XXXX XXXX a manager ( he was of no help ). As a consumer I feel betrayed and lied to, they miss used my social security without my permission for their own gain. After reading online how this affects many people and no one seems to do anything about it, can you please help. 

I've called the creditors and they cant do anything, I've tried making a police report and they said its a civil matter, placed a complain with FTC and they are looking into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On XX/XX/2018 I purchased a car from XXXX of Downtown XXXX from XXXX XXXX a sales representative. Before I even walked in the dealership I had my credit union pre-approve me for the purchase of my vehicle. When I spoke with XXXX I made it clear that I had my loan pre-approved and there was no need for him to run my credit. XXXX explained and assured me that he had to run my credit at least once so they can draft a Sales Contract, he did not make me aware that he will run my credit over 7 different times with different lenders for no reason especially because I was already pre-approved elsewhere. As I was sitting there waiting for the documents to get drafted I got several alerts that someone was viewing my credit, he assured me again that was not the case. Within a week my credit score dropped 20 points and a have 7 hard inquires. 
Ive tried calling and emailing the dealership to ask why they would run my credit without my consent, since no one called me I walked in and finally spoke with XXXX XXXX a manager ( he was of no help ). As a consumer I feel betrayed and lied to, they miss used my social security without my permission for their own gain. After reading online how this affects many people and no one seems to do anything about it, can you please help. 

I've called the creditors and they cant do anything, I've tried making a police report and they said its a civil matter, placed a complain with FTC and they are looking into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I wrote to the credit reporting agency, disputed the inquiries. The credit reporting agency, informed me that the results are valid. I then contacted the creditors that made said inquiries and they responded that they needed additional information, they were unable to locate with name, address, etc. I received correspondence from a few creditors, stating that they would immediately request removal. I am not sure how the credit reporting agency could claim this to be valid, when in fact the actual creditor has acknowledge an error and requested the inquiry to be removed ( i.e. XXXX XXXX XXXX ; XXXX ) Then the address on record for XXXX XXXX XXXX XXXX, is not a valid address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I wrote to the credit reporting agency, disputed the inquiries. The credit reporting agency, informed me that the results are valid. I then contacted the creditors that made said inquiries and they responded that they needed additional information, they were unable to locate with name, address, etc. I received correspondence from a few creditors, stating that they would immediately request removal. I am not sure how the credit reporting agency could claim this to be valid, when in fact the actual creditor has acknowledge an error and requested the inquiry to be removed ( i.e. XXXX XXXX XXXX ; XXXX ) Then the address on record for XXXX XXXX XXXX XXXX, is not a valid address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
I contacted XXXX XXXX XXXX and made a payment arrangement with them. I made the first payment. They only reported the new balance and did not change the remarks on the account to " paying as agreed. '' FDCPA requires creditors/collectors to report only accurate information. Despite me paying, they are hurting my FICO by only saying 'placed for collection ' when it is actually being paid.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ME

Complaint narrative:
Per USAA, on XX/XX/2018 an individual was able to access my USAA.com account and added an account that they would later use to transfer funds out of my savings accounts and into it. On XX/XX/2018, my account was again accessed and {$4000.00} were transferred into my savings account from an old linked account from another financial institution ( which that account was no longer active ). USAA 's policy is to make those funds immediately available and the individual that initiated the transfer then moved them out of my savings account to the account that they added on the XXXX. On XX/XX/XXXX we received a return of funds and an insufficient funds fee when USAA realized the that there was no funds in the account where the original transfer was requested. Upon seeing that I was overdrawn on XX/XX/XXXX I contacted USAA to report that their was fraudulent activity in my account and USAA started a fraud investigation. Their response came back that there was no fraudulent activity and they claim this by stating the funds transfer was conducted by someone that was logged in under my credentials. 6 weeks later I am still battling with USAA and I am getting no help from them with regards to what I need to be able to provide to them to help plead my case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
Amongst other things Santander Consumer U.S.A. incorrectly reported my credit information to the credit bureau damaging my credit and delaying my home purchase in Colorado due to the destruction of my credit rating. Once the problem was identified Santander Consumer U.S.A. failed to submit the correct information to the credit bureau and refused to provide a simple email to mitigate my losses due to the inability to relocate. Santander Consumer U.S.A. routinely forwarded any over payments above the required payment amount to the next month reducing the next payment enabling them to continue to charge daily interest against principal monies I had already paid. Santander Consumer U.S.A. performed collection actions against me using auto-dialers that would call me up to five times a day beginning sometimes before my payments were even due on the XXXX of each month. Santander Consumer U.S.A identifies itself as a collection agency. and charged me " speed-pay '' charges in the amount of {$10.00} for each and every telephone payment I made in a cooperative arrangement with XXXX XXXX for a period of no less than 7 years. By charging these collection fees Santander received violation of the Fair Credit Collections Practices Act and the Telephone Consumer Protections Act. When I complained to both the CFPB and disputed the information provided by Santander to the credit reporting agencies, Santander provided misleading financial summaries and made disparaging statements about me to discredit my claims of illegal and deceptive business practices. Please refer to my first complaint # XXXX. Please review the attached documents, and letter explaining in the detail the damages caused to me by this corporation. I have also forwarded a copy of my earlier complaint to the CFPB and copies of the letter attached in an simultaneous consumer complaint to the Ohio State Attorney General XXXX XXXX for his assistance in this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Persolve, LLC - Legal - Series 2
State: CA

Complaint narrative:
Original debt XX/XX/XXXX renewed on XX/XX/XXXX received a superior court notice on XX/XX/XXXX stating the amount of {$4500.00} Received a letter that states I now owe them {$8300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
XX/XX/2018, I wrote to the credit reporting agency, they placed inquiry on credit report, I have a credit freeze, identity theft hold.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have filed fraud activities with my Discover Credit Card, I have provided suspect information along with police report. Discover sent me a letter stating investigation completed and removed all unauthorized charges, however they charged back to my account in couple of weeks later. They did not investigated properly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-20 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: Sequoia Financial Services
State: CA

Complaint narrative:
I have recently been informed that there is negative information reported by Sequoia Financial Svcs in  the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I have a collection of {$1700.00}. 

On XX/XX/2018, I wrote Sequoia Financial Svcs requesting documentation and record dispute while they have the opportunity to respond. I also wrote Sequoia Financial Svcs a second final goodwill attempt request for verification documentation on XX/XX/2018. Sequoia Financial Svcs has not replied with any documentation as requested for 1st request or 2nd last goodwill attempt request. I challenge the accuracy, compliance and reportability of this listing. 

They did not respond with any evidence requested verifying any documentation associated with this account, bearing my signature. They continue to report it to the Credit Bureaus and it is not my account. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file and all credit bureaus you maintain under my Social Security number. 

Please note that Sequoia Financial Services had 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and an additional 30 days from my 2nd goodwill attempt. I have kept record of their actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 

They have failed to comply with the law and as such Failure to respond satisfactorily within 30 days of receipt of the letters sent may result in a small claims action against Sequoia Financial Svcs, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation