vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-19 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: TN

Complaint narrative:
I recieved a notification at XXXX XXXX on XX/XX/2019 that my XXXX credit report was accessed with out my permission. I did not authorize this company to access my credit report. Due to being a victim of identity theft I keep my credit report monitored

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 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: FL

Complaint narrative:
The following accounts are not reporting accurate information on my credit report. I have sent letters to the credit bureaus numerous times and yet, they still keep closing the investigation and indicating that the information being reported is accurate. The FCRA requires that the information reported on consumer 's credit report be accurate and if not, it must be deleted. Therefore, by law, the following accounts must be deleted as per the FCRA and the inaccurately reporting accounts. 

XXXX Card - misreporting on XXXX, Equifax, XXXX XXXX XXXX XXXX XXXX - misreporting on Equifax Additionally, I have informed the credit bureaus ( Equifax and XXXX ) that the addresses below are also inaccurately reporting and should be removed from my file as they are not my addresses. 

XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: IA

Complaint narrative:
My fiance and I got a loan through Santander Bank. My fiance has a payee due to her being XXXX and suffering from mental health issues. Her payee has made all of our payments and bills for past 5 or so years, so when she started paying our loan we thought everything would be fine. She stopped making payments 3 months ago and we were never informed, nor were we called, and they claim it was because we had them placed on the no call list, which we did not and how would we be allowed to if that was the primary phone number on the account? The vehicle was repoed yesterday and when we called the bank today the person we spoke with was very rude and kept asking is in rude manner why we thought things were going to be any different if she gave us a chance to regain our vehicle, after she asked that 5 times we finally told her we didn't understand what she wanted us today because everything we said to her was met with the same, " No, now that's what you should of done before we repossessed it, what will you do diffefently? '' Which when we answered she would repeat the same queation! When I finally asked her what she wanted the answer to be, she said that she would be right back and then came back on and told us we would not be allowed to get the vehicle back unless paid in full. We'Ve already paid over {$5000.00} on that vehicle and just recently had brand new tires placed on it which cost us almost {$1000.00}. Please help us. I can be reached at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 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: GA

Complaint narrative:
I have no idea who AFNI INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. AFNI INC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2019. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized AFNI INC as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ AFNI INC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to AFNI INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting
negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello I have been a customer of bank of America for over 2 years and 5 months ago they closed all of my accounts plus 4 credit cards 2 personal and 2 buisness and said after months of them saying we get back to you as to why saying they need 45 to 60 days for the investigation which they were doing nothing never been late on any payments always had money in my checking accounts and finally when I went to the branch to get answers as to why the banker said because of my race that I am XXXX and that's discrimination and illegal in America and was told there is a lawsuit going on because of bank of America closing accounts because of race particularly being armenian which is horrible to experience that and would like it if you can help me resolve this issue thank you

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 2019-10-19 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: FL

Complaint narrative:
The following accounts are not reporting accurate information on my credit report. I have sent letters to the credit bureaus numerous times and yet, they still keep closing the investigation and indicating that the information being reported is accurate. The FCRA requires that the information reported on consumer 's credit report be accurate and if not, it must be deleted. Therefore, by law, the following accounts must be deleted as per the FCRA and the inaccurately reporting accounts. 

XXXX Card - misreporting on XXXX, XXXX, TransUnion XXXX XXXX / XXXX - misreporting on XXXX Additionally, I have informed the credit bureaus ( XXXX and XXXX ) that the addresses below are also inaccurately reporting and should be removed from my file as they are not my addresses. 

XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2019-10-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The following accounts are not reporting accurate information on my credit report. I have sent letters to the credit bureaus numerous times and yet, they still keep closing the investigation and indicating that the information being reported is accurate. The FCRA requires that the information reported on consumer 's credit report be accurate and if not, it must be deleted. Therefore, by law, the following accounts must be deleted as per the FCRA and the inaccurately reporting accounts. 

XXXX XXXX - misreporting on Experian, XXXX, XXXX XXXX XXXX XXXX XXXX - misreporting on XXXX Additionally, I have informed the credit bureaus ( XXXX and Experian ) that the addresses below are also inaccurately reporting and should be removed from my file as they are not my addresses. 

XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2019-10-19 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: Experian Information Solutions Inc.
State: ND

Complaint narrative:
The dispute for the account with XXXX XXXX XXXX that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. We will notify you when all of your pending disputes have been completed and the full results are ready to view. Review your latest Credit Report to help ensure the information on your Report is accurate. 
Alert Details Alert Date XX/XX/2019 Source Experian Date Submitted XX/XX/2019 Report Number XXXX Account Number XXXX Company XXXX XXXX XXXX This acct shows closed paid past due charge off and still is a factor on my credit ratio. I have disputed it 7 times plus. Every time they just change words but never fix it. 
This acct is with a collection agency that calls me twice a week. I do owe this and for my reasons Im not paying them for what they pulled to get this acct were its at. I was never over my limit. Return check and they tacked it onto my credit card. Has nothing to do with my credit card. So with that said for two years its been play the credit reports game on not correctly reporting it.

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 2019-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XXXX of 2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 2019-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment in XXXX of 2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: iQuantified Management Services, LLC
State: CA

Complaint narrative:
Dear Sir/Madam, Please be advised that, iQuantified Management Services , LLC at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX CO XXXX ( phone # XXXX ) sent me a Collection Notice for {$1800.00} ( Eighteen Hundred US Dollars ) dated XX/XX/XXXX. This is for Client Named ; XXXX XXXX XXXX XXXX XXXX ( a/c # XXXX dated XX/XX/XXXX ). 

I am Resident of California, and have never resided in any other state. My Jurisdiction is California Only. I remember after my accident in XX/XX/XXXX, i was Hospitalized at the XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I had XXXX ( on XXXX ), and qualified for Medi-Cal Benefits ( ID # XXXX issued on XX/XX/XXXX ). Until now! I was never informed of any pending BILL from ; XXXX XXXX XXXX XXXX XXXX ( client 's a/c # XXXX ). 
I have done some research for the COST of XXXX   services and XXXX info reads that Cost are less than {$500.00}. The Question is, WHY so much {$1800.00}?? Financial Extortion is  a criminal offense! Doesn't Medi-Cal reimburse for XXXX  services?? Also, WHY didn't a  California Collection company contact me?? I am NOT from XXXX, Colorado! This Collection BILL is way too, overstated vs the actual COST in question. 
We all know that the XXXX XXXX XXXX XXXX, XXXX, CA is under investigation for Penal Code : 550. They have been using POOR patients as Pawns to Fraudulently Bill the State of California for frivolous sums of monies! Medi-Cal benefits is a FREE benefit for qualified applicants under MAGI Program!  Logic tells us that, medical services is reimbursed at Cost plus a small profit Margin less than 100 % on Cost Value, and NOT at 200 % or 300 % plus values. Grand Theft from the state of California is a High Criminal offense! These people have been screwing the State for Millions of US Dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 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: I.Q. DATA INTERNATIONAL, INC.
State: WA

Complaint narrative:
I lived at a apartment complex in XXXX Washington called the XXXX XXXX  for over 10 years. I moved out XX/XX/XXXX. In XX/XX/XXXX the XXXX XXXX turned over an amount of {$160.00} to XXXXQ Data International Collection Agency located at XXXX XXXX XXXX XXXX XXXX, XXXX WA XXXX. IQ Data International Collection Agency reported this FALSE FRAUDULENT DEBT to all three credit bureaus. 
I only recently became aware that IQ Data International reported  this fraudulent debt to the credit bureaus when I submitted an application for an apartment. I submitted a dispute online to XXXX regarding this debt and within 24 hours it was deleted from my XXXX Credit Report. I am in the process of having this false fraudulent information deleted from my XXXX report. In the meantime, the CFPB should investigate this collection agency for violation of fair credit reporting. This has not only prevented me from obtaining housing until this matter is resolved but it has also cost me money in application fees and attorney fees. Its not right that these collection agencies can place false debts without your knowledge or without notification on your credit report. I do not owe XXXX XXXX  a dime.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Please forward to Equifax HQ related to the Hard Inquiry done on my account by XXXX/XXXX  on XXXX. 
After me being approached while shopping by a promotional XXXX lady to promote XXXX sales by the way of giving people 10 % off if consumer open up a credit card, not initially telling the consumer they are doing a credit application online but collecting as much information about that consumer is a unique strategy to increase sales. Once the data is in the system, some consumer later find out the process to getting the 10 % allow it to go through XXXX system. However, I stop instantly after she asked for my SSN. Their strategy to increase sales caused ( 1 ) A communication break-down between the consumer and the promotional lady, ( 2 ) Materialized into an invalid hard inquiry ( 3 ) Caused the consumer ( me ) credit score to drop by 2 points and ( 4 ) Caused me extreme distress. 
( A ) XXXX XXXX wrote on XXXX to Equifax, Inquiries are a factual record of the file access. 
( B ) XXXX  XXXX  wrote a letter on XXXX sent to my address, I quote, unable to approve your application at this time, because we could not verify the SSN you provided in your application against information we obtained from the credit-reporting agency. 
In the above case, XXXX XXXX is talking about Equifax making it appeared the banks preference is with Equifax. 

Correct me if I am wrong, but I question the above situations : ( A ) If a consumer releases limited Info excluding SSN, and if approve through a hard inquiry, that consumer can get credit cards, cars etc.? 

( B ) First of all, On XXXX, I never expose my SSN to anybody at XXXX XXXX, MI. Nor did I put my signature on a hard copy or online ( tablet/POS ) credit application. Also, if noting match/verify with credit-reporting agency, why did the hard inquiry appeared and drop off on XXXX and XXXX but still in Equifax system. In addition to the category ( B ), XXXX XXXX has had all my information in their database for years. Now all of a sudden, they can not receive varication with my SSN. I am confused. 

Equifax is the only reporting credit agency allowing an invalid hard inquiry to stay on my account causing me additional destress. Correct me if I am wrong but I thought the reporting credit agencies are supposed to be an advocate for the consumers who hold and protect consumer sensitive data. The resolution is to be an advocate for all consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 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: AL

Complaint narrative:
Synchrony bank credit card/airline-XX/XX/2019 Synchrony bank credit cards/airlines-XX/XX/XXXXXX/XX/2019

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 2019-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
The XXXX  reports all CO and XXXX reports all OK? This is way back 2015, clearly this hasn't been investigated properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: LA

Complaint narrative:
My home was flooded and later condemned due to damage in 2016 flood.According to my contract the insurance funds had to be used to pay off the loan once we notified the mortgage company the home was not repairable.The insurance company did not apply the funds directly as stated in our contract but made us write a letter asking us to submit a formal letter asking them to '' please pay off loan with the funds and send us remaining balance if any '' .We now need a letter for Restore Louisiana saying that was what actually took place to get government aid to rebuild a new home and they refuse to give us this needed letter.They sent us a letter stating we were advised by them we could use the funds to pay off the mortgage or repair the home, which was not true, because the home was condemned. They also stated in this letter that we asked them to pay off mortgage with the funds, which we were forced to do before they would use the funds.They actually held these funds and sent us a past due statement until the received this letter from us and applied the funds towards mortgage.I have proof in the form of letters, emails, and contracts that all they above statements are true.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I had my account closed at chase bank and I had a remaining balance of XXXX that was owed to me.my ending balance.XX/XX/2019 my account was debited for that amount and a check was issued I was told it would be sent out by the XXXX of XXXX and it would take 7-10 business days to arrive.well those days came and passed I called chase numerous times and I have always got the same respond it was either we sent it out or we can't send it till we contact the issuer.i said its been 30 days and still the check has not been returned unpaid or nothing negative on my behalf.so I dont know the reason why they keeping my funds from me.i have had a set back from this on my bills and had my phone turned off and had problems getting to work and it has been hard for me to bounce back from this issue.XXXX might not effect some peoples lives but it did mines I rely on every pay check I have a daughter and it has caused me trouble since and they still qont give me my funds that I have worked hard for.

Company response to consumer: Closed with explanation