vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-16 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: CORELOGIC INC
State: AL

Complaint narrative:
My name is XXXX XXXX, DOB XX/XX/XXXX and last four of social security number XXXX. On XX/XX/2019 I contacted company " XXXX XXXX '' to purchase a vehicle. I wanted to see if I would pre-approve for a car loan with one of their creditors, same way I pre-approved with my bank and employer XXXX through their " credit tailor '', an app which sees if you pre-qualify without affecting your credit nor pulling a hard inquiry. However, I ended up going with my credit union XXXX XXXX XXXX XXXX because they provided the best rate and lowest interest rate. It was not until I received notification alerts to my email via XXXX and XXXX XXXX that I learned that instead of pre-approvals or soft credit inquiries I received hard inquiries. Subsequently, I reached out to the banks that performed the hard inquiry to request that they remove or convert to a soft inquiry because I did not authorize or consent to a hard inquiry and they stated that I would need to send a letter from XXXX XXXX as well as a letter from myself requesting that the hard inquiries be removed. I sent out both letters first class certified mail to the banks, credit unions and credit bureaus on XX/XX/2019 and XX/XX/2019 and I'm being met with opposition. XXXX XXXX XXXX XXXX XXXX XXXX in particular sent me back a nasty letter, stating that my letter implied " erroneously '' obtaining my credit report, although I sent them a letter from XXXX XXXX. If that's the tone of their letters to potential clients I can't imagine their actual customers, disgusting. XXXX XXXX XXXX XXXX also sent me a letter and stated that I claimed I was a victim of identity theft of fraud, which I never claimed to them, nor have I ever claimed in regards to these inquiries. CoreLogic aka Credco is dragging their feet and not offering any update or response ever since I sent them information. On the letter from XXXX XXXX it lists all the banks/credit unions that performed a hard inquiry.

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 2019-07-16 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: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
My name is XXXX XXXX, DOB XX/XX/XXXX and last four of social security number XXXX. On XX/XX/XXXX I contacted company " XXXX XXXX '' to purchase a vehicle. I wanted to see if I would pre-approve for a car loan with one of their creditors, same way I pre-approved with my bank and employer XXXX through their " XXXX XXXX  '', an app which sees if you pre-qualify without affecting your credit nor pulling a hard inquiry. However, I ended up going with my credit union XXXX XXXX XXXX XXXX because they provided the best rate and lowest interest rate. It was not until I received notification alerts to my email via XXXX and XXXX XXXX that I learned that instead of pre-approvals or soft credit inquiries I received hard inquiries. Subsequently, I reached out to the banks that performed the hard inquiry to request that they remove or convert to a soft inquiry because I did not authorize or consent to a hard inquiry and they stated that I would need to send a letter from XXXX XXXX as well as a letter from myself requesting that the hard inquiries be removed. I sent out both letters first class certified mail to the banks, credit unions and credit bureaus on XX/XX/XXXX and XX/XX/XXXX and I'm being met with opposition. XXXX 's XXXX XXXX XXXX XXXX in particular sent me back a nasty letter, stating that my letter implied " erroneously '' obtaining my credit report, although I sent them a letter from XXXX XXXX. If that's the tone of their letters to potential clients I can't imagine their actual customers, disgusting. XXXX XXXX XXXX XXXX also sent me a letter and stated that I claimed I was a victim of identity theft of fraud, which I never claimed to them, nor have I ever claimed in regards to these inquiries. XXXX aka XXXX is dragging their feet and not offering any update or response ever since I sent them information. On the letter from XXXX XXXX it lists all the banks/credit unions that performed a hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: IA

Complaint narrative:
Hi my Im having a big issue with XXXX I never had account with them before in XXXX I seen a collection on my credit report from then I co reacted then XXXX XXXX after a few months or so the credit Bureau took it off my report for fraud it was in XXXX it happens again I could reacted XXXX XXXX again immediately complained I never had acct with yall its fraud once again the credit burea took it off now again XXXX there sayin theres multiple accounts in my name I complained again said how when I never had XXXX before the guy on the phone from XXXX then tells me that someone used my info I said thats fraud he tells me a female used my info and there policy is if someone has somebody info then there allowed to go threw service I was furious like how this is my life my credit fraud how can yall let them do that he said because they had my info something needs to be done about this the credit bureau gave me yall info told me reach out ASAP to let yall no whats goin on so something could be done about it please let me no what steps I should take or do to stop this from keep happening thanks a lot

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been a customer of Capital One Bank. I believe that their fees have been predatory and deplorable. My husband died and I was trying to pay all of my bills on time. I would like to receive an account of my account payment history. I want to understand how the interest rates fluctuates from one amount to the other. I want to receive copies of all of the charges on my account per month since I opened this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I ordered checks from Wells Fargo ( XXXX actually prints them ). They were mailed to the correct address, however the checks were printed with my husband 's ATM PIN number rather than our house number. We're concerned that XXXX, or even Wells Fargo for that matter, would know our private PIN number.

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 2019-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
At the beginning of XX/XX/2019, I opened an account with American Express ( AMEX ) and qualified for their Business Platinum charge card. They had a promotion where if I spend XXXX during the first XXXX   months I get XXXX AMEX points. I also added my brother to the account since he is the business manager for my company XXXX, XXXX and this is a business financial product. Post-approval and post me spending the XXXX as advertised on their promotion and not owing AMEX XXXX dollar or being behind on any payments due, they proceeded to perform an income verification using my tax records from the IRS which I completed a form provided by AMEX and authorized them to perform the income verification. Upon doing " their due diligence '' they decided to put a limit of XXXX on a card that according to them has " No preset limit ''. Not only do I make more than enough money to afford this product they also restricted me from using my points and now I have to make a payment first every time I'm going to use the card in order to have that balance available for use. This is extremely discriminatory since I'm a person from Hispanic descendants and my last name is XXXX they feel that this is ok, It's flat out degrading and humiliating as a business owner. I have proven myself financially to them yet they chose to discriminate against me. If I add an additional user to the card and we both use the card for the sake of the business ( XXXX, XXXX ) why does it matter who spends what as long as it's paid on or before the due date established by AMEX which I did with no issues? They have cost me almost XXXX of phone time calling in about issue after issue including my card getting declined after I spent over an hour discussing why is my card getting declined. Please help I'm sure they are doing this bait and switch to others out there.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
In XXXX, I received a postcard stating that an order of default was entered on XXXX by a Midland Funding LLC. I went and filled a notice of motion with the circuit court of XXXX XXXX Illinois. I had proof that this XXXX credit card with a {$1000.00} limit, had indeed been paid. The judge told me that this was not the hearing for that matter. Midland funding purchased this alleged debt from XXXX XXXX. The problem is I don't owe this debt! I have email confirmations that prove my payments. I work as a substitute teacher which is considered part-time. In XXXX Midland funding was allowed to garnish my paychecks If they are more than {$740.00}, sometimes more than {$200.00} a paycheck. I have 2 children and the money I am left with is below poverty for a 3 person household. I need help with stoping this that is making it impossible for me to buy food for my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
I applied for a VA Mortgage Loan Refinance on XX/XX/2019. I told the sales person on two occasions that I was separated from my wife and that I was refinancing the home that I purchased last year on my own and without my wife like I did with the purchase. 

A notary came to my house on Friday, XX/XX/XXXX with the loan docs to complete my transaction. I was shocked and dismayed that they had documents for my wife ( separated ) to sign. My loan representative XXXX XXXX | NMLS ID XXXX | Loan Officer | Real Estate Originations went on vacation and I can't get a returned phone call from the person he said was handling my loan. Now they say they can't even do the loan because I am married and in Colorado the wife has to sign on all Mortgage loans. They ran my credit, wasted 30 days of my time and they knew from the beginning that I was refinancing the house in my own name. If I was able to purchase the house in my own name why can't I refinance my home in my own name. 

I am a XXXX XXXX veteran and this has been a very stressful experience.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: LA

Complaint narrative:
I asked several times from the car dealer and the bank about the credit report they pulled up in order to give me a interest rate of 15.99 % on my car loan and they have denied me of it. They told me that they don't have to give it to me and that I signed the contract already it want change nothing. Shady practices. Can someone help me retrieve the information that they pulled up at the time of purchase so I can make sure I wasn't XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: RI

Complaint narrative:
I have a current complaint with Equifax. I defaulted XXXX XXXX XXXX  XXXX in XX/XX/2012but they are showing that I defaulted in XX/XX/2012. I have additional information - a credit report from Equifax showing that I was 2 months late in XX/XX/2012. 
Please refer to pages 13-20 for the information confirming that I was 2 months delinquent in XX/XX/2012 according to Equifax 's own report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collections Acquisition Company, Inc.
State: CA

Complaint narrative:
When I was doing my routine bank reconciliation with my bank account, I noticed that there were several checks that was cleared by my bank that is a complete fraud ( the check itself ) and forged ( signature of my wife ). What I did is to contact my bank and have these checks dishonored due to fraud. I completed some paper works that the bank asked me to do. Several days later, I received a collection letter from Payliance ( Collections Acquisition Company , Inc. ) collecting money. It was sent to my address. A copy of the check was even included in the letter. What is absurd is that a certain XXXX XXXX XXXX XXXX   name is printed on the check, together with my name as well as my wife 's name. I called up Payliance several times and what I always get into is to wait, and after a long wait, I will be prompted to leave a message. How can I get this cleared when this is the kind of service I get from this Payliance. I have nobody to talk to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX internet account # XXXX was closed on XX/XX/2018, in connection with the sale of our home and a move to another geographic location. At that time we were verbally assured by an XXXX XXXX XXXX representative that because we were moving to a location not serviced by the company ( XXXX XXXX ) our account would be closed with no further liability to us. On XX/XX/XXXX, we received an invoice in the amount of {$140.00}, an amount that was described as an " early termination fee ''. On XX/XX/XXXX we again contacted XXXX XXXX XXXX, via telephone, and we were advised to disregard the invoice, and again, assured that no further fee was due. We subsequently called the company in XXXX of 2018, and received a confirmation from them that our account contained a " XXXX balance '', and that it was closed. 


That original {$140.00} charge was, instead, sold to a collection agency ... XXXX ( XXXX TX ), who then subsequently demanded payment from us and issued a negative report to the various credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a victim of fraudulent charges. I tried to fix this problem with JP Morgan Chase Bank on XX/XX/XXXX. I sent them a formal request for removal of fraudulent items that were found on my credit report, which they disregarded and didnt act to remove the accounts. This is a violation of the California Credit Reporting Act and the FCRA. I've done the hard work, checking accounts against records and this accounts are fraudulent. So I want those items to be removed/blocked from my credit reports. Please help me to solve this issue. The accounts I am writing to you about is listed below : 1 ) Chase ac # XXXX, date open : XX/XX/XXXX, date closed : XX/XX/XXXX, balance : {$0.00} status : Charged Off. 

2 ) Chase ac # XXXX, Date open : XX/XX/XXXX, acc closed : XX/XX/XXXX, balance : {$0.00} status : Charged Off. 

3 ) Chase ac # XXXX, XXXXcc open : XX/XX/XXXX, acc closed : XX/XX/XXXX, balance : {$0.00} status : Charged Off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: AZ

Complaint narrative:
I am writing in regards to two collections on my credit report. I am unsure who the debt collectors are and they have not notified me in any form in regards to the debt they are attempting to collect. The account is showing they are on behalf of XXXX. I did not have a contract, not contact, with the collection company after the accounts were charged off and closed with the original party. The account was reported on XX/XX/XXXX, by XXXX XXXX XXXX, in the amount of {$480.00}, however closed date shows XX/XX/XXXX. The second account was opened on XX/XX/XXXX as well in the amount of {$100.00}, however the closed date shows XX/XX/XXXX. I am unsure who this company is, never communicated with them, and I have never signed  documents in regards to the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
My wife was checking on a new truck and I told her that I did not want the people doing a hard inquiry on my credit and they said they wouldnt. Instantly I received 10 hard inquiries and I want them taken off and something done to them. Its the XXXX dealer in XXXX   Louisiana. XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Back in 2017. I had Bank of America Checking account. I even had Direct deposit from my company that I still work for. The company name is XXXX to my Bank of America checking account. Furthermore, it was only direct deposit to my account for paying my mortgage and family expenses. I also had Saving Account that I had saved up {$26000.00} and I do not know where they go to or who withdrawal them.. 
I need to find about where it go. 
However, the account back in mid of 2017 that I did not authorize to anyone to do such thing that ruin my credit and reputation. Anyway, the account is closed and I lost my account, so help me find it please. 

Thank you, 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
Consumer complaint received 2019-07-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There is a missed payment on my credit report ; I have never missed a payment

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 2019-07-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: AMERICAN HONDA FINANCE CORP
State: OH

Complaint narrative:
I was a co-signor on my son 's lease on a XXXX XXXX XXXX XXXX that concluded and the car returned to XXXX around XXXX, XXXX with all payments made. I was not aware of an outstanding balance related to excess mileage until I saw it on my credit report, at which time I immediately paid the balance in early XXXX. In questioning XXXX XXXX customer service as to why I never received any notice about this outstanding balance, they informed me that they notified my son and since he lived a the same address, they considered me notified too. Just because XXXX adults live at the same address does not mean they are aware of each others mail. As I have had perfect credit my entire life, the charge-off entry on my credit report has had a disastrous effect on my XXXX XXXX, resulting in lowering of credit lines and rejections on basic credit applications. I have leased XXXX XXXX vehicles through XXXX XXXX in the past 15 years with no derogatory credit items, and for that matter I have never had a derogatory item on my credit reports. The attached letter is XXXX I am sending tomorrow as a follow up to the XXXX other letters and XXXX faxes sent previously with no response.

Company response to consumer: Closed with explanation