vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-18 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 — Problem with personal statement of dispute
Company: FIRST ADVANTAGE CORPORATION
State: OK

Complaint narrative:
My report says there is a gap of employment from XX/XX/XXXX to XX/XX/XXXX for 2666 days. I first started working for XXXX XXXX in XX/XX/XXXX in XXXX Pennsylvania ( right after I graduated high school ) and then moved to XXXX Ohio around XX/XX/XXXX or XX/XX/XXXX with the same company to open up the new location in Ohio. I quit working for XXXX XXXX in Ohio in XX/XX/XXXX due to lack of hours. I then worked for XXXX XXXX XXXX in XXXX, TX. I am not 100 % on the dates for XXXX XXXX though. They were a XXXX company at XXXX XXXX XXXX is also a XXXX compliance company ( XXXX XXXX is XXXX compliance Coordinator XXXX ) and I am a CDL driver here which my report states the opposite for both of those things. I have to drive our rolloff truck to deliver and pick up dumpsters on locations and I receive emails and phone calls to make sure our vehicles and trailers are up to date with DOT inspections and are in compliance. So I don't understand why those 2 areas say no on my report. Please contact the companies again to verify the information to correct any issues. They have my Drivers Qualification file that should have all of that information in it. 
I don't understand why the reporting agency can not get ahold of XXXX XXXX out of XXXX Texas. This company is also a DOT company that I received my CDL while working for them. I have never had any issues contacting them before when I have needed to reach them for information. XXXX XXXX works for HR ( XXXX XXXX ) as well as XXXX XXXX ( XXXX ) or XXXX XXXX ( XXXX ) If there are any further question please contact me by cell phone number XXXX so we can clear this report up. I would hate to not be considered for a job position due to an inaccurate background report. All of the information I have given is 100 % accurate. Please try to get the correct information asap. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
THIS IS NOT A DUPLICAT COMPLIANT. 
XX/XX/2018 CFPB Case No. XXXX ACCOUNT NUMBER : # XXXX XXXX XXXX # XXXX XXXX XXXX On XX/XX/XXXX, I spoke to the online manager of Citibank regarding the accounts listed above. I was told that the title of the accounts is under my name as primary account holders, and my children are secondary. For this reason, the accounts listed above are being disqualified to earn promotional bonuses. 
When I visited Citibank on XXXX on XX/XX/2018 to deposit a check, one of the tellers referred me for the checking promotions. I showed my interested then she referred me to the manager. I asked the manager how I could qualify to earn bonuses and meet the promotions requirements. Would my children qualify, being XXXX and XXXX and new to Citi bank? I was told that I wouldnt qualify since I have existing accounts with CitiBank but my children would. I returned to the branch on XX/XX/XXXX to open accounts and I provided my childrens social security numbers and transferred the NEW money from XXXX XXXX XXXX  to their new Citi bank accounts. The manager told me the bonuses would not allocate to the accounts until ended of XX/XX/XXXX. 
After waiting for seven months, the bonuses were not allocated to my childrens account. I contacted the online banking and I was told to contact the branch where I opened the accounts. The branch manager, XXXX told me that the accounts are custodian accounts which automatically are disqualified for the bonuses. I did not know that my childrens accounts were opened as custodian accounts and I have no knowledge that I am the primary account holders for my childrens accounts until online manager told me on XX/XX/XXXX. All I remember that I asked the branch manager make sure that they were using my childrens social security numbers for income tax for promotional bonuses and link their accounts to mine existing Citi Bank accounts for better management. After I opened accounts, I received transaction receipts and a Citibank post note written with my children 's account numbers. Nothing more related to my children 's accounts. 
After I compliant, XXXX offered me for XXXX Thank You points to settle this case. I rejected them because it was Citibanks mistakes which misled me. I am asking the bank to correct their mistakes and pay the accounts listed above back with the promotional bonuses of {$300.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX has received a default judgement against me without proper notification. Judgement was passed XX/XX/2018. I was not properly notified as address on file is incorrect. Midland has been reporting a debt to the credit bureau that has not been properly validated and it has been damaging my credit. The amount and company alleged to be owed is not listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 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: CA

Complaint narrative:
I happened to checkout what was going on with my credit report. I noticed an inquiry, that does not belong to me. Please remove this from my credit report immediately as this is poor judgement with on my credit worthiness. 

Inquiry Date : XX/XX/2017 Business Type : Sales financing company Contact Information : XXXX XXXX XXXX XXXX, FL XXXX BYMAILONLY

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 2018-09-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have had a recent credit check done, and Bank of America is still showing under my name for XXXX I have contacted the company in the past, also sent out letters and ID theft report, but it has not been removed off my credit. 

I am a XXXX XXXX XXXX XXXX XXXX working as A XXXX XXXX, and I am victim of Identity Theft, I would like to have BANK OF AMERICA REMOVED FROM MY CREDIT REPORT AS IT IS NOT VALID AND FALSE AND FRAUDULENT. 

I have provided proof to show that and attached it as well.

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 2018-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My Chase credit card were suddenly all closed. I called the customer service to reinstate them, I was told that closed account could not be reopened and that I had to apply for new cards. After a while I applied for Chase credit card and my application was denied to to previous unsatisfactory relationship with Chase. At first I argued that I never had any missed or late payments with Chase, but then I was told that there were two accounts from 2004 that were opened in my name and were both charged off. The CS provided me with the Chase Recovery Services phone number. After speaking to an agent I received a letter from Chase that said that the account was opened fraudulently in my name and therefore they removed it from my Chase profile. After a year I applied again and received another letter that application was denied due to unsatisfactory relationship with Chase again. I called this time and was provided with the same number. I called and requested that all these fraudulent account were removed from my Chase profile. I was later told that an investigator was assigned to my case and was given his number with extention. 
I call the number and leave messages but no answer or call back. I am really worried because if I had previous relationship and that was unsatisfactory why I was approved for Chase cards and later my cards were closed. This means that this information was not there. Unfortunately it does not show in my credit report to dispute it, but exists internally with Chase under my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My identity was stolen and used by others to apply for a credit card and a bank card. Now I am stolen in TD Bank. I suspect that I am being used by others to conduct money laundering activities. However, td Bank thinks that I am not my own. I have to complain to the Federal CounciXXXX that these banks are not enough. Protect the personal information of consumers and cause serious damage to the victims!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am outraged that your company continues to maintain a dismissed ( filed ) bankruptcy as confirmed on my credit report. This unconfirmed, unverified, and dismissed ( filed ) bankruptcy has stopped me from obtaining credit. I know for a fact your company receives information on bankruptcy from a third party system known as a XXXX XXXX. The XXXX XXXX is inaccurate and incomplete since the XXXX XXXX does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it is your company 's policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law is very clear and states from date of adjudication or date of order of relief. 

Any case, whether it be civil or otherwise, once dismissed it no longer exists in the eyes of the law. This case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy. 

Considering this does not require an investigation, I would appreciated an updated copy of my credit report showing no bankruptcy withing two weeks from the date you receive this complaint

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 2018-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I applied for a loan modification after being denied a few months prior, and the reason I was told I was denied was because it had not been 5 years since the modification had had before, know that the 5 years is up a reapplied again, to only get denied again being told I can know afford the home know, which do not make sense, my hardship was prior to me being able to afford the home know. I have a valid reason to why I fell behind due to loss of income.

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 2018-09-18 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: NC

Complaint narrative:
On XX/XX/2018 my daughter, XXXX called the customer service number for Chase Bank XXXX to close our joint checking account because me moved to North Carolina where there are no Chase Bank branches. The balance in the account was {$2500.00}. XXXX advise the representative of our new address which was different than the North Carolina address they had on file. She was told that we should receive the check in 7-10 days. 

We called Chase Bank again on XX/XX/2018 because we had not received the check and were advised they had mailed the check to the wrong address. When we advised the representative ( XXXX ) we were told that we'd need to go into a branch and complete some paper work for a lost/stolen check. We advised the representative that there are no Chase branches in the state of North Carolina we were told that we'd have to go to the nearest branch which is XXXX miles away. I was told they could not do anything further. I asked to speak with a supervisor and was told the supervisor would tell me the same thing. I insisted and was transferred to " XXXX '' who advised me that he could submit a research request on my behalf on the check. I advised XXXX that I know that we did not receive the check, and that we would not receive the check because they mailed it to the wrong address. I asked if they could place a stop payment on the check and reissue another check in its place and mail it to the correct address. XXXX advised me that he would " take care '' of if for me and I should receive the check in about 7 days. 

On XX/XX/2018, I called Chase at XXXX to advise them that I still had not received the check. I was told by the representative that the check was processed on XX/XX/2018 and I should have received it on by XX/XX/2018, but because of the Labor Day Holiday on Monday, XX/XX/XXXX it would take an extra day. 

On XX/XX/2018, I called Chase at XXXX and spoke with representatives XXXX then XXXX who advised me that they would have to submit a research request and someone would call me back that day ( XX/XX/XXXX ) On XXXX XXXX, I received a call from XXXX at Chase Bank who advised me that they had received the check back. I asked what happened to the other check that they processed on XX/XX/XXXX and was told there was no other check issued. My next question was, why would all of your other representative lie to me about mailing out the check? Which she only apologized for. She advised me that because the amount of the check was more than {$1000.00} that I would have to complete affidavits. I asked why since they already had the check in question in their possession. She told me that she would personally take care of it and get back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NY

Complaint narrative:
I receive multiple calls from OneMain Fin ( XXXX ) XXXX. This has been going on for a month or more. Last night I received 3 calls from them within a period of not more than 2 hours. Usually, they are robocalls and no message is left but last night, from the same number, when the answering machine picked up, a woman said she was calling from a debt collection agency. As of last check, my credit score was XXXX. I don't have any outstanding unpaid debt. These are clearly scam calls and they are a major nuisance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
my car was repo for being 4 weeks being. I just had my car painted, new tires, new, bumper and more. The repo company drug my car out of my yard not only damaging my car but leaving marks and damage piece of my yard where it looks as if they hit the curve while removing my car. You can see in the pictures below the evidence and also the paint from my car.Now my car is also having an hard time switching gear.

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 monetary relief
Consumer complaint received 2018-09-18 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: GA

Complaint narrative:
I.M FILING A COMPLAINT BETWEEN XXXX XXXX XXXX XXXX, AND EXPERIAN. XXXX XXXX XXXX IS REPORTING I HAVE AN OBLIGATION TO PAY THEM {$3300.00}. THIS CONTRACT WAS CANCELLED I HAVE NO CONTRACT WITH XXXX XXXX XXXX. I HAVE ASKED XXXX XXXX FOR VERIFACTION OF A CONTRACT WITH MY SIGNATURE AND THEY PROVIDED A COPY OF THE TIME I ATTEND XXXX XXXX. I HAVE WRITTEN XXXX XXXX ON SEVERAL OCASSION DISPUTING THIS DEBT AND THE NEGATIVE INFORMATION THEY REPORT TO MY CREDIT FILE. FCRA SECTION 623 AND FDCPA SECTION807 ( 8 ) WHICH STATE THAT XXXX XXXX XXXX HAS A DUTY TO REPORT TO THE BUREAU THAT THE ACCOUNT IS BEING DISPUTED.

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 2018-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ROYAL UNITED MORTGAGE LLC
State: OH

Complaint narrative:
I filled out as multipurpose survey last night and this morning the mortgage companies won't stop calling. I've told multiple companies in very definite terms to NOT CALL ME AGAIN. I just had XXXX and don't want to talk to them.

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 2018-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I sent in a payoff check to capital one auto because I refinanced my vehicle with XXXX XXXX. I sent the check on XX/XX/XXXX for {$10000.00} via certified mail to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX. I confirmed that they received the check on XX/XX/XXXX via tracking number that was given to me and it showed that they signed for it however it has not been cashed. I've contacted capital one daily in regards to this matter. Capital one also confirmed via tracking number provided XXXX that they received it but still cant tell me where the check went. They then instructed me to do a stop payment on the check and have the bank reissue the check. Before doing so they also advised that since it was lost by them it will be backdated to XX/XX/XXXX when they received the first check. I did as I was instructed and when I spoke to a rep on XX/XX/XXXX they stated that the payoff will not be backed and I have to pay additional interest because the check that I sent wasn't a payoff check. The rep still couldn't explain where the check went or why it wasn't cashed and is blaming me for their mistake at this point. I just sent a new check on XX/XX/XXXX after waiting 2 weeks for them to cash this check and I causing a hardship because my credit was impacted due to 2 loans being opened. I'm in the process of buying a house and this issue is causing problems with closing on the home. I beg of you please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/XXXX, I received an email regarding assistance for NFCU customers affected by Hurricane Florence. I visited the website and read the ad. Since we lost everything in the Hurricane, I called. We have insurance but we don't know how long it will take to get funds. For the time being we are staying with family and hotel rooms. 

The rep takes me through the loan process and then asks which account to deposit the money into. Next she informs me of the interest rate and monthly payment. I began to very hopeful. Next she tells me I am denied due to my credit. 

Why would they take someone through that process who is already distraught. Their ad seemed to be a humanitarian effort. However, it is a marketing ploy for monetary gains. Making money on someone else 's misery. Humanitarians are those who get down in the trenches and help. They rebuild the community by starting with people who were affected by the tragedy. Because they know that without the community their business will fail. So they build the community up not only for monetary gains but so that they can say we were there in that moment not just for our customers but for the community.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: DE

Complaint narrative:
I set up a bill pay process with my bank, XXXX, XXXX, DE, in early XXXX to pay a mortgage payment on XX/XX/XXXX as the payment was due on XX/XX/XXXX. 
I monitored the transactions on both online accounts, Rushmore Loan Management and XXXX. The withdrawal from the XXXX account appeared as expected. The payment to Rushmore did not appear on the XXXX nor has it appeared in my account to date XX/XX/2018. 
As the bank payment didn't appear I decided to make an online payment on XX/XX/XXXX to avoid late fees and an impact on my credit score. 
I called Rushmore customer service on the XXXX to ask how long it took for transactions to be posted and was told 3 to 4 business days. I also explained that I made an online payment in addition to the bank payment. The representative offered to cancel my online payment as the bank payment was expected. I accepted her offer and she was to cancel the online payment. 
As of the XXXX the bank transaction has not been posted and the cancelation transaction has not been posted. 
I no longer have confidence that Rushmore is servicing my loan appropriately. Is it acceptable for a banking institution to wait so long to post transaction or are the transaction not occurring?

Company response to consumer: Closed with explanation