vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-05 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Hello, I recently looked on my XXXX XXXX Account and noticed a few hard inquires with my profile. 

1 - Syncb/XXXX - This was approved by XXXX and I should not have any hard inquiry with this card as it was approved and not declined. Please remove this from my credit account. 

2. Paypalcreit ( XX/XX/XXXX ) - PayPal will not list that this will affect your credit score, nor did I apply for paypal credit. They've not provided information on what this was for and I would like this removed as well. 

3. XXXX XXXX ( XX/XX/XXXX ) - I did not apply for any loans, I did look at loan " offers '' through XXXX XXXX, but I did not apply for any to pull credit information from my account. 

4. XXXX XXXX. ( XX/XX/XXXX ) - I had a secured card from XXXX XXXX, therefore this should not effect my credit score, I did not apply for any other card besides the secured card that I had opened. 

Please remove these from my account.

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 2018-03-05 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: Northstar Location Services, LLC
State: CA

Complaint narrative:
I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: PA

Complaint narrative:
On XX/XX/2018 I received a letter from XXXX XXXX XXXX , XXXX  offering a payment plan for a debt that I have received no prior communications or opportunities to dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I owed them credit card debt then it went into collections i paid the collections sgency and they never removed it from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
To whom it may concern, I incorrectly entered the wrong account number to set up direct deposit at my work. This incorrect number was actually a valid account number with Chase, so the deposit was made into someone else 's account. I called Chase to try to fix the issue and they instructed me to file a claim for the {$500.00} that was sent to the wrong account. The findings of the claim instructed me to go through my works payroll departed and have them recall the money back. Chase received my companies Payroll department request, but denied it because the funds had already been withdrawn from the incorrect account. Since then I have spoken to numerous Chase reps, as well as a supervisor. The supervisors name was XXXX, and she instructed me to go through small claims court, to try to get my money back that way. She would not provide any information for the other party who received my money, which i completely understand, but she also said Chase would not contact the other party to let them know of the mistake. 

I have the other persons account number, but I don't believe i should have to go through small claims for this. I am not even sure i would be able to, without the other persons name or address. 

I find it extremely hard to believe that Chase can not put the other persons account into the negative, or at least contact them to let them know of the mistake. Every rep i have spoke to at Chase seemed uninterested in my problem, and always tried to transfer me, and get me in another direction. 

I can provide the other parties account number, as well as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My initial contact was by Phone to XXXX   XX/XX/XXXX to investigate inaccurate information. TransUnion sent to me documentation on XX/XX/XXXX of their finding that has been confirmaed as inaccaurate or incomplete public record information based on the following additional records details obtained from Georgia, XXXX County Magistrate Court Civil Case Inquiry website ''. But to this day XX/XX/XXXX TransUnion continue to report false information. I was not a renter, my husband own the house and it was later given to me through divorce court. I was the owner not a renter. Court documentation of my divorce decree proves this and the fact that the court documents state that it was consent of the agreement between XXXX XXXX attorney to allow me time to move out after the company purchase my home in foreclosure sale and the Judge set the date for XX/XX/XXXX and I gave them the keys but the company refuse to stop reporting this case information as an eviction.

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 2018-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
on XX/XX/18 I called chase bank, XXXX XXXX, and XXXX XXXX. I have late payments and after being on the phone with them for about an hour each. we came to an agreement, that if I sign up for certain payment plans they would right then remove the late payments from my account as a one time  forgiveness. chase said I will be put on a 3 month payment plan for XXXX each month and it will be current and reopened once completed. XXXX XXXX   said they would close my account might be reopened but I would have to do an automatic XXXX dollar a month payment, and XXXX XXXX I was able to bring up to current making them happy and promising the removal of the late payments. they would remove the late payments so when I checked in XX/XX/XXXX they would be gone. looks like chase completely closed my accounts which I will be ok if I can reopen them at a later date, but the bank did not remove the late payment status although I am making all payments. XXXX XXXX  did close the account but I am still seeing those late payments. XXXX XXXX did not close account but still has not removed the late payments. reason I am filing this is that it has damaged my credit score very much, and I was a young adult making mistakes being stupid for I was heart broken pretty much making those XXXX mistakes everyone makes, and not understanding the seriousness of the situation. The main reason which I did bring to their attention was I was out of employment from XX/XX/XXXX to XX/XX/XXXX and during those times I was making payments and they have records of it I was just not making the minimum payment and I called them then before but they said nothing I could do, but gave me a different answer when I called in XX/XX/XXXX. as of right now I am 3 for 3 on  my chase payments. before the unemployment I had been making every payment on time and making extra payments. I am now in the position where I can do that again but need the hard remarks removed for im buying a car, and an apartment soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 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: U.S. BANCORP
State: CA

Complaint narrative:
I finally had the chance to thoroughly check my credit report, I am trying to improve my credit score so that I can buy a house in the future. However, I know I have horrible credit and I have not applied for anything because I know it would be pointless and will get denied right away. 

Looking at my credit report I have decided to contact everyone on my credit report such as collectors, so that I can be in good standing but I noticed that some hard inquiries have been made in my name by an unknown source. How they obtained my information baffles me. 

I don't know how I can get such items removed from my credit report as soon as possible. I am attaching a document that states the inquiries that I did not make.

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 2018-03-05 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: Nelnet, Inc.
State: TX

Complaint narrative:
My XXXX XXXX date presented to me by my university ( XXXX XXXX University ) was XX/XX/XXXX. I knew that a grace period is granted after graduation to being repayment of the loan. On XX/XX/XXXX I logged on to the Nelnet portal to make the first payment on my student loans only to find that it said my account was past due {$370.00}. I immediately made payment of this amount, then Nelnet reported to my credit report that I was 90-119 past due on my payment. I wanted to dispute this late payment report from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 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: TX

Complaint narrative:
My graduation conferral date presented to me by my university ( XXXX XXXX University ) was XX/XX/XXXX. I knew that a grace period is granted after graduation to being repayment of the loan. On XX/XX/XXXX I logged on to the XXXX portal to make the first payment on my student loans only to find that it said my account was past due {$370.00}. I immediately made payment of this amount, then XXXX reported to my credit report that I was 90-119 past due on my payment. I wanted to dispute this late payment report from my credit.

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 2018-03-05 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: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: CA

Complaint narrative:
I finally had the chance to thoroughly check my credit report, I am trying to improve my credit score so that I can buy a house in the future. However, I know I have horrible credit and I have not applied for anything because I know it would be pointless and will get denied right away. 

Looking at my credit report I have decided to contact everyone on my credit report such as collectors, so that I can be in good standing but I noticed that some hard inquiries have been made in my name by an unknown source. How they obtained my information baffles me. 

I don't know how I can get such items removed from my credit report as soon as possible. I am attaching a document that states the inquiries that I did not make.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I finally had the chance to thoroughly check my credit report, I am trying to improve my credit score so that I can buy a house in the future. However, I know I have horrible credit and I have not applied for anything because I know it would be pointless and will get denied right away. 

Looking at my credit report I have decided to contact everyone on my credit report such as collectors, so that I can be in good standing but I noticed that some hard inquiries have been made in my name by an unknown source. How they obtained my information baffles me. 

I don't know how I can get such items removed from my credit report as soon as possible. I am attaching a document that states the inquiries that I did not make.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
Hello, I applied for the M & T credit card on XX/XX/2018 via an offer sent to my email. It was a promotion that I am eligible for the credit card. It should also be noted that I have a bank account with M & T Bank. After a few days, I get a call from M & T bank and I confirm my citizenship status. I ask the person on the phone that whether there is anything you need. They say no. I don't hear back and I call M & T to get to know what is happening and they say my card is rejected as I am not a US citizen. I have a few cards with banks and I have never got rejected based on that. Let 's say the bank doesn't offer cards to non-us citizen, why did you send me an offer? isn't my information in your system. My credit score and time has been affected because of this. I have a letter from the bank and the only basis they reject my application is based on my residency. A preoffer condition depends on credit risk not factors that can't change. I am very sorry to say but this is a fraud on M & T Banks part.

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 2018-03-05 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
There are hard inquiries on my credit report that I did not make. I have bad credit already and I know that applying for things aren't in my best interest. I need these inquiries that I did not make to be removed off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Dominion Law Associates, P.L.L.C.
State: VA

Complaint narrative:
In trying to sell my residence, it was discovered that a judgment from XXXX XXXX ( no longer in business ) was on my house. The attorney who filed this was XXXX XXXX, who I found out today was deceased. I have had an attorney looking into this, and she also is not getting anywhere.This judgment was on XX/XX/03 in the XXXX County VA XXXX XXXX XXXX XXXX. I have contacted Dominion Law ( XXXX ) XXXX ) after speaking to someone in the XXXX XXXX office ( XXXX ) XXXX ) for them to only tell me, they have spoken with my attorney and myself about this matter, and they do not longer have access to this case. I am now stuck in the middle of an industrial park with no way to sell my home.

Company response to consumer: Untimely response
Consumer complaint received 2018-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
A representative claiming to call on behalf of Wells Fargo called my private cell number stating they were calling on a debt from my former mortgage company which was closed since XX/XX/XXXX. They did not read mean any mini-XXXX  and claimed they could keep on calling as long and as often as they wanted to. The call came in at XXXX PST from XXXX-an Arizona number. On the call, I explained that this debt was past the statute of limitations for collections. To which XXXX XXXX said they can still continue to call me regardless and make efforts to collect a XXXX debt even though it as past the SOL. The representative identified herself as XXXX XXXX and her supervisor as XXXX XXXX. When I told her to never call my private cell number again she said I was personally liable for the debt and they would still call. No effort was made by WF to tell me they were calling on a SOL expired debt, no notice of debt was sent to me, and no effort was made to inform me of my rights.

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 2018-03-05 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: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
I had my vehicle stolen and burned. I contracted Hyundai XXXX XXXX about the situation and they told me that was fine and insurance would cover the issue. Insurance took care of the issue several months later, but they claim that I still owe {$1400.00} on the account from the months that were not paid. This has been over several years now. I documentation from them showing that the account is paid in full. Yet they refuse to change it on the credit bureau report and they say that I still owe them {$1400.00}. 

I have disputed this issues with all 3 credit bureaus ( XXXX XXXX and XXXX XXXX XXXX and requested a validation and to receive the information from the validation. No information has ever been received from any of the three credit bureaus. XXXX list the amount owed as {$4200.00} ... 

Hyundai XXXX XXXX and the 3 credit bureaus have ignored all request in regards to updating this information properly. 

See the enclosed attachments ....

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 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:
There are hard inquiries on my credit report that I did not make. I have bad credit already and I know that applying for things aren't in my best interest. I need these inquiries that I did not make to be removed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 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: Risecredit, LLC
State: CA

Complaint narrative:
There are hard inquiries on my credit report that I did not make. I have bad credit already and I know that applying for things aren't in my best interest. I need these inquiries that I did not make to be removed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX : XXXX : Account XXXX We are in receipt of your letters of XX/XX/XXXX. On behalf of our daughter, XXXX, we dispute the claims made by XXXX and XXXX XXXX XXXX. 

We informed both XXXX and Nelnet previous to our XX/XX/XXXX payment of $ XXXX ( confirmation XXXX ) that XXXX has been living out of the country, has been unemployed and has executed a Power of Attorney so that we may pursue reformulation of her student loans that we have previously paid. Default was threatened at that time and I confirmed with both XXXX and Nelnet that said payment would stop such actions pending reformulation. 

If such is not the case, then XXXX and Nelnet may be guilty of deception. 

Sincerely, XXXX cc. XXXX XXXX XXXX XXXX Nelnet Consumer Financial Protection Bureau

Company response to consumer: Closed with explanation