vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am on the phone with XXXX. After providing them with the correct information and other important information about myself on unsecured phone lines XXXX  refuses to correct my report as it should have been to start with. This is a problem as anyone can use this to destroy my credit. They must be limited to your name SSN, DOB and current correct phone number and email address on file to  protect Citizens. XXXX must send a code to allow Citizens to see their Credit Report and Score in real time once we have this information. XXXX also refuses to provide me with my correct and current Credit Report and Credit Score. XXXX has put me on hold for more then 10 minutes and just returned to the line. XXXX still insist 's that I pay them a fee of {$7.00} to send me my current Personal Credit Report with the Score. Through contact with my Bank, XXXXXXXX XXXX and XXXX I discovered that XXXX  lowered my Credit Score 85 points from XXXX to XXXX and then again the next day another 3 points to XXXX. It is still going down and is incorrect. My Bankruptcy is older then 10 years and it is still being reported and used against me. There is no Mortgage information being reported even though I have two mortgages. A XXXX loan not reported to XXXX and VA  loan now being reported by XXXX XXXX. It appears that there is a law that Credit Reporting Agencies are allowed to lower Credit Scores by as much as 100 points during the time a Mortgage has been transferred to another lender. This adversely effects Citizens and causes serious financial harm to the Citizen. It must be stopped in the interest of Justice!

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 2018-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am on the phone with XXXX. After providing them with the correct information and other important information about myself on unsecured phone lines XXXX  refuses to correct my report as it should have been to start with. This is a problem as anyone can use this to destroy my credit. They must be limited to your name SSN, DOB and current correct phone number and email address on file to protect Citizens. XXXX must send a code to allow Citizens to see their Credit Report and Score in real time once we have this information. XXXX  also refuses to provide me with my correct and current Credit Report and Credit Score. XXXX has put me on hold for more then 10 minutes and just returned to the line. XXXX still insist 's that I pay them a fee of {$7.00} to send me my current Personal Credit Report with the Score. Through contact with my Bank, XXXX XXXX and XXXX I discovered that XXXX  lowered my Credit Score 85 points from XXXX to XXXX and then again the next day another 3 points to XXXX. It is still going down and is incorrect. My Bankruptcy is older then 10 years and it is still being reported and used against me. There is no Mortgage information being reported even though I have two mortgages. A CALVET loan not reported to XXXX and VA loan now being reported by XXXX XXXX. It appears that there is a law that Credit Reporting Agencies are allowed to lower Credit Scores by as much as 100 points during the time a Mortgage has been transferred to another lender. This adversely effects Citizens and causes serious financial harm to the Citizen. It must be stopped in the interest of Justice!

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 2018-05-09 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
There were multiple charges from " XXXX '' on the XXXX XXXX ( which Chase converted to a XXXX card despite our objections ) that are in dispute and should be removed from this card, along with all related interest and fees. Chase has not addressed these concerns as of now. 

The following are the disputed transactions : XX/XX/XXXX XXXX {$160.00} XX/XX/XXXX XXXX {$160.00} XX/XX/XXXX XXXX {$110.00} XX/XX/XXXX XXXX {$260.00} XX/XX/XXXX XXXX {$260.00} XX/XX/XXXX XXXX {$260.00} XX/XX/XXXX XXXX {$210.00} XX/XX/XXXX XXXX {$160.00} XX/XX/XXXX XXXX {$290.00} XX/XX/XXXX XXXX {$50.00} The total amount of the above disputed transactions is {$1900.00} + INTEREST. 

Additional documentation can be provided upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company
State: LA

Complaint narrative:
Regarding : XXXX XXXX and XXXX XXXX 's Freedom Mortgage Home Loan Acct # XXXX Today, I am writing on another matter. I am in the process of obtaining a security clearance with my job and they pulled my credit report. Your company is listed, as items ( late payment ) that are preventing me from obtaining my clearance. I know we just resolved this account in XX/XX/2017, and it has already been updated to Paid in Full, however, I am asking if the account can be completely removed off my credit report for XXXX XXXX and XXXX XXXX 's Freedom Mortgage Home Loan Acct # XXXX. 
Obviously, I need my job, especially since I am just starting to bounce back on my feet after my health issues that prompted our financial relationship in the first place. I would be absolutely elated if this would be possible. 
Sincerely, XXXX XXXX and 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 2018-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: STATE FARM BANK, FSB
State: FL

Complaint narrative:
I have two products with State Farm : 1 ) Checking account 2 ) Auto Insurance To access either it was one portal statefarm.com as in common with many financial companies to login to to view or handle transaction in my checking Or view insurance policy information or update the payment 'from ' account on the monthly payment plan for auto insurance every XXXX of the month.

I did go into the payment plan for auto insurance from time to time to update the payment account to be debited past few months from XX/XX/2018 to XX/XX/2018. Twice the payment bounced ; however I did pay immediately a few days later via the site with the pay now option with another credit card or account. 

Suddenly one day when attempting to login to access my checking account information/statements ( which are setup to be notified of electronically as well ) I had an account suspended notice and could not login. 

Called State Farm customer service immediately and got transferred to tech support, they were thinking it was a technical problem, but they could not resolve it, after two weeks, finally a technician stated, it's not the account getting locked out, it's the State Farm insurance end product and payments not going through a few times that has made the website inaccessible is what he said it stated in the notes. That's all the tech knew. 

Called State Farm customer service again. And relayed that information I was told. Finally the customer service rep stated, yes, that until I go by six months of not bounced payments for the State Farm insurance product then I will regain online access back to the statefarm.com site to be able to access checking account. No clear explanation when I queried as to what rules or in what policy does it state that one product has to do with another? Or could they just lock me out of the insurance product but allow me access to only the checking account for now? The response was no, and that I would need to wait. I requested I have paper statements sent, and the rep stated it could not be done because my settings/preferences on the site are setup as electronic notification when statements are available. 

This has me having to call in every few days to monitor account for all transactions in and out or using the atm for latest account balance. I feel this seems to be a right I have to be able to access my account when/if needed irregardless of the other product. 

Additionally I attempted the supposed automated phone feature that utilizes voice print and fail to connect properly any time. Thus, I end up on hold anywhere from 15-25 minutes on average to get a rep to ask what my current balance and recent transactions are.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX has on ( Regular Inquiries ) Requested On XX/XX/XXXX -- - XX/XX/XXXX -- -XX/XX/XXXX -- - XX/XX/XXXX -- - XX/XX/XXXX there should not be Hard Inquiries from XXXX XXXX back to back as XX/XX/XXXX & XX/XX/XXXX back to back that's a heavy impact and should not be done I did not apply for credit on all these days and why 2 days apart that was a hard impact on my credit. 

TransUnion is at fault for 2 day back to back impact that is not by law considering I was not applying for 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 2018-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX a representative from Capital One Auto Finance called me by the name of XXXX. He would call, let the phone ring and when it stopped he would call back right away. He did this three times in a row and would leave a message. This happened on the two above dates. 
On other instances Capital One would have representatives call and leave a message and then call back two more times within one to three hours after the message was left. I contacted Capital One through e mail to advise of those instances. 
I called Capital One today and advised them of the how XXXX was making his phone calls and that it seemed harassing. 
I advised the representative that I would be filing a complaint with the Federal Trade Commission and with the XXXX XXXX XXXX so there would be a public record. 
She did say she would get this taken care of and have it looked into. She offered to transfer me to the office of the president for Capital One. I advised her that it would not be necessary since I sent an e mail on the first instance and had a voice to voice with her. I advised I was filing this complaint because I had already contact Capital One about leaving a message and them making two calls afterwards and then this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 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: CITIBANK, N.A.
State: MD

Complaint narrative:
My identity was fraudulently used to change my address on my Sears master card. I have a fraud alert on my credit report and a statement to call me BEFORE ISSUING CREDIT. Sears changed my address on my credit card, mailed a new credit card to a Florida address, and THEN called to ask if I had changed it. By the time they called the thief/thieves had charged over seven thousand dollars on my card. Sears is not holding me responsible for that and said they would send me a new card with a new number. I got the new card yesterday and was unable to activate it, because the thief called Sears, reported the card lost, and UNBELIEVABLY Sears sent them a new card to a different Florida address WITHOUT CALLING ME TO VERIFY whether I had made the change. I found this out when I talked to customer service to activate the card they sent me. Sears has reported the first Florida address and the {$7400.00} plus to the credit bureau, even though they know it is fraudulent. I do not live in Florida. I closed my account with Sears yesterday.

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 2018-05-09 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: VA

Complaint narrative:
The name XXXX, XXXX XXXX and address XXXX XXXX XXXX XXXX, NC XXXX does not belong to me.

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 2018-05-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Law Office of Steven A. Booska
State: CA

Complaint narrative:
Date XX/XX/XXXX. Amount XXXX. This debt is a collection company Steven A Booska Attorney at law, the debt is for a federal student loan, which is in for bearance with a server XXXX, the 2nd account is a personal loan with XXXX XXXX XXXX, that has been discharge under bankruptcy in XX/XX/XXXX I have sent all documentation to this collection, company, they have refused to except any of the documents, they keep sending, letters that are not appropriate and harass and using threating tactics, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, I applied for the XXXX credit card with Chase Bank about 6 months ago and I got approved and received my card and start using it. 

I also applied for the XXXX XXXX credit card with Chase Bank about a few months ago. I got approved, received the card and start using it. 

The other day when I called XXXX XXXX credit card to see why I have not been able to use the card past few days, they told me that my account is closed. I asked why they said they do not take closing an account lightly. That was their answer. 

To my surprise also found out later that day that the XXXX credit card was also closed. I asked them why and they said the same exact answer : they do not take closing an account lightly. 

Chase Bank did close my checking and savings account 3 or 4 years ago for no reason explained to me. But why would they give me credit cards and close it? This is hurting my credit score. 

Can you please look into this and let me know? 

Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 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: FC HoldCo LLC
State: PA

Complaint narrative:
XXXX XXXX  is showing on Supplemental Public Records & Residential Information is  showing I did not apply or sign any documents applying for credit in any way as showing on my credit File Number XXXX XX/XX/XXXX I opt out in XX/XX/XXXXon promotional and 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 2018-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc.
State: IN

Complaint narrative:
Took one course at the college. I am not the authorized or guarantee of the account. The school attempts to charge me through creditors, not the other person. School never notified me, illegally listed me as a resident of their campus and attempt to fraud my credit reports. One creditor agreed to remove yet still on my reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
The debt collection company " Transworld System Incorporated '' call multiple times a day. They use multiple different phone numbers to make it look like it's a different company calling through out the day. Every time I block one number on my phone they call with 3 different numbers. I have not answered and told them not to call yet but I shouldn't feel anxiety  and fear every time a new number shows up. I'm waiting for calls for job opportunities so I have to answer every time they call but there is usually a lag between when I answer and say hello and when they start talking to I usally hang up if someone doesn't start talking right away. Also the voicemails on my home phone are all in robocalling voice. It is never a real person for me to even tell not to call

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
on XX/XX/XXXX, I have made a loan with BMW Financial Service. I'm in a good standing paying customer. The account is XXXX. This loan is suppose to mature in XX/XX/XXXX. Since today, XX/XX/XXXX, I've

officially pay off the loan via ACH transfer, which I've done so for past years as their customer. Yet, they will not release the loan due to ACH transfer is not a source of verified fund. I've been paying from the same source for the past 5 years on different accounts of loan with BMW FS. I do not think they are treating my right for pre-terminated the loan equally. I've attached a screen shot of my loan has satisfied for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Student Assistance
State: VA

Complaint narrative:
Dear Sir/Madam : Please be formally informed that neither the US Department of Education not the American Student Assistance has sent me any information about being in default or late on payments. I have never obtained a letter from the latter stating that they currently represent the debt nor a phone call discussing the matter. I have never been given due process to dispute the debt or discuss any solutions with the organization.

I ONLY obtained notice from my part time employer that the funds were being withheld as of the next pay period.

Furthermore, the amount attempting to be collected at 15 % is egregious and will result in major hardship to me. I need to have this matter resolved immediately and I thank you in advance for your help.

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 2018-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX is showing on Supplemental Public Records & Residential Information is showing I did not apply or sign any documents applying for credit in any way as showing on my credit  File Number XXXX XX/XX/XXXX I opt out in XX/XX/XXXX on promotional and 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 2018-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been submitting complaints since XX/XX/XXXX. Wells fargo is well aware that the vehicle I have is part of a massive XXXX Airbag recall. My vehicle has a double recall and has had that since XX/XX/XXXX. The last response from wells fargo said to file for a hardship refi and that the parts were available. We contacted the same person at the local XXXX dealer, XXXX, as was told the parts are not available and they did not know when they would be available. Furthermore, they are not completely replacing the airbags, they are only changing the inflator. The vehicle is on non-op and is a threat to safety and is deadly. All of this information has already been sent. Wells Fargo says that we have a loan with the which in fact we do not. We have a retail sales installment contract with the dealer. When wells fargo purchased this contract they changed the original terms which we did not agree to. A letter was received from wells fargo to the fact that they denied the original contract and changed the terms. Wells fargo has refused to help in any way since my initial complaint in XX/XX/XXXX. I just called the office of the president and was told they couldn't help and was transferred to someone named XXXX, and of course got a voicemail. I will not apply for a hardship because this is not the case. THE CAR IS DEFECTIVE AND DEADLY, IT IS ON NON OP, THERE IS NO FIX FOR THE AIRBAGS, WE DO NOT HAVE A CONTRACT OR LOAN WITH WELLS FARGO, I WILL NOT PAY FOR THIS CAR BECAUSE IT IS DEFECTIVE. WELLS FARGO CUSTOMER SERVICE, OFFICE OF THE PRESIDENT AND COLLECTIONS DEPARTMENT IS A JOKE. THEY THINK THIS IS FUNNY AND DONT CARE ABOUT ANYTHING BUT TAKING PEOPLES MONEY AND XXXX THEM OVER. HOW ANY TIMES DO I HAVE TO COMPLAIN TO GET SOMEONE WITH SOME AUTHORITY TO GET ON WELLS FARGO ALREADY?

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