vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-23 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: NY

Complaint narrative:
I didn't authorize any company to open my credit report please have this credit increase removed immediately XXXX XXXX XXXX. 
Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automobile Dealers, Used Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX. 
Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Personal Loan Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank Credit Cards Phone Number Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX  Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Date Filed XX/XX/XXXX Type All Banks Phone Number MAIL ONLY Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Filed XX/XX/XXXX Type Telephone Companies Phone Number MAIL ONLY Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-NY Date Filed XX/XX/XXXX Type Telephone Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I didn't authorize any company to open my credit report please have this credit increase removed immediately XXXX BANK XXXX. 
Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automobile Dealers, Used Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX BANK XXXX. 
Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Personal Loan Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NA Date Filed XX/XX/XXXX Type Bank XXXX XXXX Phone Number Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX  Date Filed XX/XX/XXXX Type Banks and XXXX XXXX XXXX  Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX BANK USA Date Filed XX/XX/XXXX Type All Banks Phone Number MAIL ONLY Address XXXX XXXX  XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Telephone Companies Phone Number MAIL ONLY Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX WIRELESS-NY Date Filed XX/XX/XXXX Type Telephone Companies Phone Number ( XXXX ) XXXX Address XXXX 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 2018-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
Certified letters including police reports were mailed and received by XXXX XXXX/Resurgent Capital Services on  XX/XX/XXXX @ XXXX hours,XX/XX/XXXX @ XXXX hours, and XX/XX/XXXX @ XXXX hours. XXXX XXXX XXXX agency also received a certified letter on XX/XX/XXXX @ XXXX hours requesting validation of several accounts that were established without my knowledge and consent due to identity theft. Both XXXX XXXX/Resurgent Capital Services and XXXX XXXX XXXX agencies have NOT been able to provide proper debt validation according to the FCRA guidelines within the 30 day time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Wells Fargo put Gap insurance on our car back in 2013 even though we have always had car insurance on both vehicles ( We have had XXXX XXXX and XXXX, XXXX and back to XXXX ). We've always had the required insurance coverage needed by law with Wells Fargo as the lien holder. provider XXXX They put it through XXXX for a 2nd time XX/XX/2013 even though I would always confirm with the insurance company that Wells Fargo and our other loan had the policy information. They tell you to fax it to Wells Fargo Dealer Services Auto Insurance or mail it to XXXX XXXX XXXX XXXX, Pa XXXX I believe they never deducted the amount from my loan that was added in error.

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 2018-04-23 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In regards to my credit score, Experian has dropped my credit score 20 points from XX/XX/XXXX till now. There has been no change in my credit nor have I endured any more debt. There is one negative report on my credit which occurred in XX/XX/XXXX. There have been no late payments or delinquencies. That being said, I dont understand why this has happened. I have not received adequate information as to why the drastic drop in my credit score. It has gone from excellent to very good which might affect my purchasing power. I would appreciate in information regarding this issue.

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 2018-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I made a deposit into the atm at Navy Federal on Saturday. My account receipt showed an available balance of XXXX after making it. As my account was overdrawn prior to my deposit because of a transaction i made before. I used my card a few other times because the atm said i had an available balance. I found out today i did not. Called in and asked for a manager i was given XXXX. She ended up hanging up on me twice after i asked to be escalated higher. She told me she was the only supervisor and i could not speak to anyone else before hanging up both times. I called a third time and spoke with XXXX and she gave me a Supervisor by the name of XXXX. XXXX was nice and helpful as possible. I do not feel i should be punished by overdraft fees for an atm error. No where on the reciept it showed only XXXX would be available. This was an awful customer service experience. Being hung up on when asking for more help and lied 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 2018-04-23 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: Harley Davidson Financial Services Inc
State: PA

Complaint narrative:
I filed a Chapter XXXX bk on XX/XX/2017 on Harley Davidson Financial. I contacted this company and filed several disputes in the past with no satisfaction. They are still reporting me on the credit bureau as the account as open, which is incorrect- ( Following comments in taken from XXXX credit report via XXXX XXXX ) -- -- -.Current Payment Status On Payment Plan Worst Payment Status No Info Account Details Account status Open Since this account is included in a confirmed Chapter XXXX-I want these connotations removed by Harley Davidson

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
The company is : Express Recovery Services XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX I never received letters from the company to validate the debt or to allow me to dispute the debt. I only found out about the debt being in collections by checking my credit report in XX/XX/XXXX. After that, in XX/XX/XXXX, I did contact them to try and work with them and they would not work with me. Months later they filed a judgment, again, I was not properly notified of the court dates so it was awarded to them by default. I received a call in XX/XX/XXXX from them telling me that they had won by default and proceeded to tell me all of the things they were going to do to recover the money for the hospital bill ; such as seizing my assets, credit damage, and wage garnishment. They inexplicably withdrew the judgment and then renewed the collection accounts. Yet again, I found this out by looking at my credit not from them or the courts. 

From the beginning, this company founded on punishing people for wanting to stay alive, has been despicable on every level. They were uncooperative, condescending, and just disgustingly proud of their loop-hole navigation. They exist only to contribute to or be the cause of human suffering. They represent the worst qualities of corporations, Americans, and human beings in general. These are fundamental truths, not opinions. 

Regardless of these impassioned statements, this company did not properly notify me as required by law. I would include these documents in my complaint, however, they do not exist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 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: PA

Complaint narrative:
{$480.00}. Was satisfied XX/XX/18, however Equifax did not remove derogatory status from my credit report. {$190.00}. Was satisfied XX/XX/18, however Equifax did not remove derogatory status from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX Equifax is stating fraud activity going on. This is not true and it is hurting me from building my credit with secured cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony Financial closed my PayPal MasterCard Rewards card without 45 days notice. They said that it was closed due to a returned check more than a month ago, but that was due to a typo when entering new bank account info. I have since made payments and was even approved for a credit line increase by the company. Called and spoke with customer service who said there was nothing they could do. This company is destroying 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 2018-04-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Social Finance, Inc.
State: NJ

Complaint narrative:
I submitted a personal loan application on the sofi  website and was instantly approved for $ XXXX on XX/XX/18. After a few days I received an email stating they needed my most recent paystubs, which I submitted shortly after. Then I received another email / text asking for additional information. 
I called and spoke with the customer service representative over the phone and she states that the underwriter needed clarification about a loan I took out with Sofi and paid off within 1 month ( I told her I had the funds and instead of paying high interest rate I decided to pay the loan off ). 
A few days later the underwriter XXXX called and I called him back and he asked the same question. Again I advised him that " I paid off for the loan within the month because I had the extra money to do so ''. 

Within 1-2 days I received a credit decision stating my application was declined. I called in a spoke with a few different customer services reps and an escalation specialist who all told me the reason for the decline was due to me paying off my loan within a month and that the company policy if that I have to make 3 consecutive payments before paying off the loan ( this was never stated in the original contract ) and because I did not meet the 3 consecutive payments and paid the loan off within a month they would not be able to approve the loan. 

I think this is very unfair to deny my application for paying off the loan within 30 days I met all the lender other qualification I.E. XXXX and Credit score requirement and would like to know how a company can make such decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
I check my mortgage and escrow account regularly. For months my escrow account had a surplus of {$570.00}. The website stated that Nationstar Mortgage will be mailing a check in that amount to XXXX XXXX XXXX, XXXX, New York. On XX/XX/2018 Nationstar Mortgage did an annual analysis of the escrow account and sent me a check in the amount of {$140.00}. 

I called and asked where the check was for the {$570.00}. I was told that the check was sent to me. I stated that I never received a check for {$570.00}, only {$140.00}. I was told that a stop-payment would be put on the check and another check would be issued. A week later I called again and was told that whomever was to get the check issued failed to get the appropriate approval and the issue was sitting on someone's desk. Several days later I called again and asked where the check was for {$570.00}, and was told that I received the check and cashed it. I again stated that I never received a check for {$570.00}, and only a check for {$140.00}. They have not gotten back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was told by this particular seller that they only used XXXX as a payment. And since it could be used through my bank, I thought it was save. I had no idea that the bank would tell me that since I authorized the payment that it wasnt initially fraud. I dont feel protected at all. I downloaded XXXX, and sent the money and was told by the seller that I would get all the information I needed to get the XXXX home. Shortly after, I was blocked. My bank told me there was nothing they could do. Even with knowing that XXXX is a new scam. Theres nothing the app that tells you to only send to family and friends. I was under the impression that XXXX was created as a save money transaction between sellers and buyers. No customer service number from XXXX, or anything. Out off XXXX bucks.

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 2018-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BB&T CORPORATION
State: TX

Complaint narrative:
BB & T was unable to close at the date/time committed to in writing, which resulted in financial harm to me. More specificially, 1 ) BB & T 's loan officer committed to me in writing that I would receive a check for {$1500.00} as a refund of appraisal costs. The relevant portion of his email to me reads : " The refund for your appraisal costs has also been approved by regional management. The refund for the appraisal will be sent out in the form of a check via overnight mail once your loan has closed. '' After my loan closed, BB & T has refused to reimburse this cost, as promised. 

2 ) BB & T committed ( again, in writing ) to reimburse me for additional monetary damages I suffered as a result of their delay. I provided detailed written documentation of these damages, amounting to {$2000.00}. However, BB & T has ignored my communications, providing nothing in response. Therefore, BB & T owes me a total of {$3500.00} that they have committed in writing to paying, all of which has been clearly documented. Instead, they are ignoring my communications and refusing to pay.

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 2018-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I have attempted on multiple occasions to have incorrect bankruptcy information deleted from my credit report. As of XX/XX/XXXX I have put in at least 4 disputes with each of the 3 major credit bureaus regarding an incorrect date listed from my past XXXX case. The report date lists XX/XX/XXXX, the uploaded document lists XX/XX/XXXX. I was asked to send a copy of my document for verification, I faxed each bureau immediately. XXXX deleted the file from my report within 2 days. Transunion and XXXX   said it can't be deleted. I explained according to the document I faxed in, this should have been deleted as of XX/XX/XXXX. This document includes : Date XXXX file number XXXX plan information Amount of debt Monthly payment plan and length of plan Debtors Fee 's Lawyer information I also explained to each rep that I called the XXXX XXXX of Wisconsin XXXX court and spoke to the manager XXXX. He explained that no matter what the filing date is, as long as the case is closed the XXXX court does not report to the credit bureaus nor is it mandatory to have a XXXX  listed after a case if closed. He suggested that I ask to speak with a manager. On multiple calls I have been told a manager is not available at this time. I also want to note I've asked what is the process for validating information? I was told a dispute is opened and it takes 30 days to be resolved. They use a third party vendor to verify information. My argument was how can my faxed proof be overlooked vs the credit bureaus using third party vendor? Also, if it takes 30 days, why is my dispute resolved within 24 hours. That to me is a clear indication that know one is doing a thorough check to validate my information. 

Contacting the credit bureaus has been very frustrating and time consuming. Each person I speak with gives me a different answer and always fail to resolve my issue. I also let them know XXXX deleted this record from my report and they should follow suit. This issue has continued to damage my credit as well as caused me to be denied for credit on multiple occasions. Please review my attached document and have this deleted from my report 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 2018-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: OH

Complaint narrative:
In XX/XX/XXXX I had XXXX as a provider for cable/wifi services for a rental location of XXXX XXXX XXXX, XXXX, MI, XXXX. Account XXXX. XXXX. During my service, I opted for automatic payment from my credit card to ensure that all bills were paid on time. In XX/XX/XXXX, I called and formally terminated my service, as my lease was up at this location. I was told my account was paid in full. My last payment posted on XX/XX/XXXX in the amount of {$49.00}. Because of the partial month, I was issued a credit on XX/XX/XXXX in the amount of {$37.00}. 

On XX/XX/XXXX, I had mail forwarded to me by the US Postal Service, from Diversified Consultants, Inc. who informed me that they have been referred by XXXX for collection of {$37.00} debt. XXXX XXXX XXXX XXXX : XXXX. 

I contacted XXXX for the 3rd time since XX/XX/XXXX and spent and hour on a chat session ( chat ID : XXXX ). I was informed that XXXX would be issuing a credit, so that there would be a {$0.00} balance on my account and that the collection effort would be terminated. 

In so much that I have continually attempted to affect a complete closure of this account, I have no faith that this errant debt collection will be terminated. Both companies need to be punished for their failures to appropriately account for my service.

Company response to consumer: Closed with non-monetary relief