vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax Information Services, LLC. XXXX XXXX XXXX. XXXX, GA XXXX Re : Social Security Number XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. XXXX XXXX XXXX, NCXXXX  ( XXXX ) XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: PREFERRED CREDIT INC
State: FL

Complaint narrative:
My problems is with Preferred Credit, Inc Account # XXXX. I have always paid on time and more than the minimum payment. However, my bill has always indicated a past due amount in the upper right corner of the bill. I contacted the company at least three times and it was never address. Also, the balance is constantly more than the amount I do actually owe. I spoke with them about that too with no success in getting the matter resolved. 
I would greatly appreciate some oversight intervention from your agency on my behalf. Thanks in advance!! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
They don't have my name on their system .but they put me on credit report that makes me look bad

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Debt collection — Payday loan 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: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
A man by the name of XXXX XXXX from XXXX XXXX XXXX team called my brothers cell phone number and stated he was lookingfor XXXX XXXX saying I had wrote bad checks and I made good by paying these debits but those checks were returned to. XXXX ... XXXX XXXX XXXX to have the reputation by checking into this mysekf, this seems to be there tactic He's from XXXX XXXX and calls from XXXX This XXXX XXXX needs to be stopped. Truly false information to call my brother and state I wrote bad checks, this is more than a false statement false and is slander I need to go after these XXXX****** XXXX legally you need to help with that!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax Information Services, LLC. XXXX XXXX XXXX. XXXX, GA XXXX Re : Social Security Number XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1 XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXXI did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
XXXX  XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX. XXXX, GA XXXX Re : Social Security Number XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1 Ally FinancialXXXX XXXX XXXX XXXX, XXXX, NC XXXXI did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.

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 2019-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax Information Services, LLC. XXXX XXXX XXXX. XXXX, GA XXXX Re : Social Security Number XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1 XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, TX XXXXXXXXI did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-10-30 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: NC

Complaint narrative:
XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX. XXXX, GA XXXX Re : Social Security Number XXXX To whom it XXXX concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1 Americredit XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, TX XXXXI did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax Information Services, LLC. XXXX XXXX XXXX. XXXX, GA XXXX Re : Social Security Number XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXXI did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
This is regarding the Goldman Sachs XXXX XXXX. 

I received a statement for XXXX totaled at {$490.00}. When reviewing the PDF statement that was provided to me for my XXXX statement, the total was listed as {$380.00}. During the month, I received a {$110.00} refund for an item I had purchased and returned in the previous month. This accounts for the exactly {$110.00} difference between the {$490.00} balance seen in the app, and the {$380.00} balance seen on the actual statement from Goldman Sachs. Rather than being properly subtracted from my total balance for the month, the {$110.00} refund was actually added to my balance -- thus creating the incorrect {$490.00} statement. I noticed this discrepancy on XX/XX/2019, 7 days before my statement was due. 

When I first contacted the XXXX XXXX / Goldman Sachs support team on XX/XX/XXXX, they stated that they understood the error in their math, and that a dispute would be opened and the refund would be properly applied shortly. I called back the next day ( XX/XX/XXXX ) to check the progress on the dispute, and was told that since my payment date was approaching, that I should pay the correct amount ( {$380.00} ) and that if it took much longer to resolve the dispute, that they would refund me for any interest payments that I incurred from not paying the higher/incorrect statement amount. 

On Wednesday, XX/XX/XXXX, I received an email from Goldman Sachs saying that the {$490.00} statement balance was correct, because that is " the total of payments and purchase return credits between XX/XX/2019 and XX/XX/2019 '', without any explanation for the {$110.00} difference between the two statements, and without any reasoning for how they reached the {$490.00} amount for XXXX. Iterating through each individual purchase for XXXX and adding each sequentially amounts to {$380.00}, with a return for {$110.00}, and the only explanation for seeing {$490.00} is that they incorrectly applied the return amount as a positive charge to the credit card when generating the final statement. 

I contacted Goldman Sachs a third time on XX/XX/XXXX, and was told that the email explained everything that they found during their investigation, without any explanation as to where the {$110.00} refund went, and that there was no further information. A few moments later, they then stated that they did see the {$110.00} refund, and to monitor my account for the next few days to see if the problem is resolved then. Since my statement is due tomorrow, I don't have time to wait a few days to see if there is any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.A.Rogers, Inc.
State: MA

Complaint narrative:
In late XXXX my checking account with XXXX XXXX XXXX was closed because of unpaid overdraft fee. The final debt was sent to R.A. Rogers , Inc for a total of {$100.00}. I received a letter on XX/XX/XXXX from R.A. Rogers itemizing the debt and stating that " Your check dated up to 30 days in advance will be accepted as payment in full ''. On XX/XX/XXXX I submitted the full payment plus a {$6.00} processing fee through their online portal for a total of {$110.00}. I followed up with the company on the following week and they informed me they had no record of my payment and no record of sending me that letter, and that the real amount owed to them was over {$160.00}. I faxed them my records, including the receipt and a copy of the letter they sent on XX/XX/XXXX. They continued to dispute the letter, and are claiming the extra {$50.00} is " their fee for handling the debt ''. I've disputed this with the credit agency as well but the company refuses to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
I just got a response from my complaint and there is an addition {$1900.00} for a warranty on my contract, there was never talk that that would be added to my contract I never said I wanted it or asked for it. 

Know they are trying to repo my car and not own up to their mistake and continue to drag this issue out. I've reached out several times before and all they do is repeat and send the same false information to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: CA

Complaint narrative:
For the past several months, I have been in constant contact with Experian with regards to fraudently placed accounts on my file. I have sent multiple police reports, FTC reports, and military XXXX orders, however, these oulstanding accounts still exists. These accounts include XXXX ( amounts : {$6300.00}, $ {$25000.00}, {$29000.00}, {$20000.00}, {$38000.00}, {$63000.00}, {$47000.00}, {$2200.00}, {$2800.00}, {$34000.00}, {$2800.00}, {$2200.00}, {$2200.00}, {$2000.00}, ) XXXX XXXX ( {$130000.00} ) XXXX XXXX XXXX ( {$7300.00} ), XXXX ( {$59000.00} ) XXXX XXXX XXXX ( {$17000.00} ), XXXX ( {$16000.00} )

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 non-monetary relief
Consumer complaint received 2019-10-30 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 ACCOUNTS DISPUTED DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME, I AM NOT LIABLE TO THOSE LATE PAYMENT ENTRIES. THOSE LATE PAYMENT ENTRIES ARE INACCURATELY PLACED ON MY REPORT. PLEASE INVESTIGATE THIS MATTER AND HAVE THOSE LATE ENTRIES PURGED OFF MY CREDIT FILE. THOSE LATE HAS BEEN CAUSING HARM TO MY FILE WHICH I WAS UNAWARE OF.

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 2019-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Hello I changed my payment account on my XXXX card credit card from XXXX ( I closed that ) to XXXX XXXX account. I did it with the online app. I have been a member with Capital One since XXXX, and my account was always on autopay. When adding in a new billing account ( XXXX XXXX  ) in XXXX using the online banking app there was never any prompt or message that my autopay was being discontinued. To my knowledge my new billing account ( XXXX XXXX ) would be auto drafted at the next billing cycle. This, however, did not occur. I was unaware that I was transitioned into manual pay, and furthermore unaware that my account became delinquent! I received an email on XX/XX/XXXX from Capital One that my account was 30 Days late. I immediately made a payment in the amount of {$350.00}, which is considerably more than the amount due. Today I received a new email from XXXX XXXX that my credit score decreased nearly 100 points due to a report made from Capital One that my account was 30 Days delinquent. I called Capital One this morning to resolve this issue. They told me the new account was not on autopay, it was my responsibility to make sure it was on autopay per the Terms and Conditions I agreed to in XXXX when I opened the account. Again, I was not aware when adding a new billing account that it dis-enrolled me from autopay, nor was I notified it would do so. I have been an account holder with Capital One since XXXX and have never had one late payment, nor any other late payments from any other financial institution. My credit report, until this blemish has been impeccable! I will absolutely make sure a late payment is not made on my account in the future, however I Kindly ask that Capital One retract or/and dispute the 30 Day Late report to credit bureaus. Further, I recommend making it clear on the app that clients need to update their autopay preferences when adding a new billing account to their account. Had the app instructed me to update my autopay preferences none of this would have been an issue!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Today XX/XX/2019, I was given a check from the company I work for. The company banks with Chase bank. I proceeded to cash the check with an amount just under {$6000.00}. I walked into a chase branch and was told the check could not be cashed because it is over {$2500.00}. Because I am not a Chase account holder I should not be required to open an accoint or deposit the check elsewhere in order to obtain the funds represented on the check. I find it predatory that I would be required to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I need to see documents show the loans I signed for vs what is appearing on my credit report. I didnt not borrow XXXX. I will have to seek a court order to get this records if navient won't comply. You are incorrectly reporting the initial amount i borrowed which has compounded into this massive overwhelming amount and it's unfair. I was coerced into forbearance. I wasn't explained thoroughly. I was in default and didnt realize it. Payment sent were not applied. This has turned Into a nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had a alert from XXXX XXXX about a purchase made in a different state then I live in, which I stated I did not make. Was asked if I had the credit card on me, stated yes and was told the number was copied and that the card was being closed for protection. I was told I am not responsible and to destroy the physical card and a new one would be sent. 

Several weeks later I received a letter stating the fraud case was not valid and I was responsible for the large amount charge. When asked why they would approve a large amount of a charge after just denying a larger amount I was given no clear answer and that I had to pay the charge. 

I tried to resolve this issue with XXXX XXXX and stated I could not have physically made this purchase has I live on the other side of the country and could prove my physical whereabouts. They refused to assist me and stated sorry but you have to pay the amount anyway. I was not offered any prove that my signature was signed or that my physical card was used. All they stated was that the case was closed and a chip was used, even though the card was in my hand at the time I was called. 

I am unsure how to protect myself from here or to have the charge removed. I have excellent credit and pay all my purchases on time. Do I have an recourse to rectify this situation?

Company response to consumer: Closed with monetary relief