vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I submitted a complaint about an car dealer submitting my credit to banks when I did not authorize it. And your company denied my request to have them removed. Like i stated in the last complaint that I DID NOT AUTHOIRZE THEM TO SEND MY CREDIT TO ANY BANK OTHER THEN XXXX XXXX BECAUSE I ALREADY HAD A PREAPPROVAL FROM XXXX XXXX!!! But whoever responded to my comlaint did not read it!! ILL SAY AGAIN THAT I DID NOT AUTHORIZE THEM TO SEND MY CREDIT TO ANY BANK OTHER THEN XXXX AND I TOLD THE SALESMAN THAT AND HE AGREEDED NOT TO. THEY ARE DOING SHOTTY BUSINESS!! I WILL FILE SUITE AGAINST EXPERIAN AND THE CARD DEALER IF I HAVE TO!!

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 2017-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I deposited funds from a real estate transaction on XXXX/XXXX/XXXX. Chase has placed a hold on the funds until XXXX/XXXX/XXXX. Chase is collecting free interest on my money, instead of allowing that interest to accrue to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I called to speak with someone to see if there was an error on my statement.I was told that their deferred billing was different and the interest on their card generates on the balance you initially borrowed not the current balance. I, m hurt and felt like I was deceived, my balance was {$1700.00} and the interest is {$1600.00}. I, m not sure if there will also be additional interest each month. I have had a problem with this bank before, that went into my bank account and withdrew some money as if I made a payment and that was never resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MI

Complaint narrative:
We are trying to make additional principal payments monthly on top to the auto debit payments. We call the customer service center to make the additional payment. When we do this the auto debit get allocated incorrectly. We then have to make at least three additional phone calls to fix this. During this time more interest has accrued on the loan which diminishes our ability to pay the lone off quickly. This is a consolidated loan, which we where told that we can indicate which balance we want to apply the additional principal reduction to. Very frustrating and seems like a scheme to keep us paying on these loans longer. 

Customer service is always very friendly and helpful although they can never fix the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have had a fraud alert on my credit report for years. I keep getting at least 10-15 calls from payday loan places, vacation spots, installment loans and a host of other annoying calls and hen my credit monitoring services have been going off for a week. I have not applied to ANY of these places but they are hitting my credit report and my score keeps going further down. If I was to apply for something, I would not be eligible because of all the inquiries and I didnt approve any of these. I need these inquires removed 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 2017-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a veteran and all my school loans should have been paid or reimbursed though military.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I mailed a notarized dispute letter to Equifax ( attached ). Equifax has failed to respond within the required 30 day as stipulated under section 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) & ( 3 ) ( B ) of the FCRA. Equifax has also failed to inform me of the results from their investigation 5 business days after they updated my credit report on XX/XX/XXXX. My credit report/disputed items were  updated which resulted in a significant decrease to my credit score from Equifax. A list of updated information from Equifax can be found below and also has been attached. This has gravely affected my chances of obtaining a mortgage loan as my Realtor and I wish to had qualified me for. I am requesting that Equifax immediately delete the accounts referenced below from my credit report : XXXX XXXX XXXX XXXX Account number : XXXX no updates. 
XXXX XXXX Account number : XXXX Equifax updated credit report/item payment history to 81 months on XX/XX/XXXX, this resulted in several charge offs reflecting in the payment history and also several months reflecting in several Pays or Paid as Agreed updates over 81 months following charge offs. I sent Equifax a letter disputing the validity of this account ( i.e. contract ). 
XXXX XXXX XXXX Account number : XXXX Equifax updated credit report/item payment history from 42 to 81 months on XX/XX/XXXX, this resulted in an additional 30 month  payment history reflecting as Pays or Paid as Agreed. The loan duration was 42  months and paid/closed in XX/XX/XXXX. The contract with this company ended in XX/XX/XXXX when I made the last payment. How Equifax was able to obtain a positive payment history for dates afterwards when the last payment was made 30 months ago is beyond me. Again I never received any notification in writing of this update or procedure used to verify account information. 
I am not asking for a request for reinvestigation. Equifax failure to respond to my initial dispute in the timeframe allotted by FCRA means they must delete these items from my credit report pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I have been over seas since XXXX of last year on XXXX. I was relying on my people back in the united states to make sure my account was setup to auto pay and payments were being made. I got back in the United States in past few months and recently am in the process of being relocated to another city and tried to apply for another mortgage and found out I have 30 day lates for XXXX and XXXX. I now cant purchase a home because of these lates on my credit report. I sense am in the process of selling this home and loan will be paid off within next 30 days or less. I have called and asked with help with this because I was out of country on duty and unaware.

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 2017-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have had a fraud alert on my credit report for years. I keep getting at least 10-15 calls from payday loan places, vacation spots, installment loans and a host of other annoying calls and hen my credit monitoring services have been going off for a week. I have not applied to ANY of these places but they are hitting my credit report and my score keeps going further down. If I was to apply for something, I would not be eligible because of all the inquiries and I didnt approve any of these. I need these inquires removed 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 2017-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have had a fraud alert on my credit report for years. I keep getting at least 10-15 calls from payday loan places, vacation spots, installment loans and a host of other annoying calls and hen my credit monitoring services have been going off for a week. I have not applied to ANY of these places but they are hitting my credit report and my score keeps going further down. If I was to apply for something, I would not be eligible because of all the inquiries and I didnt approve any of these. I need these inquires removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
BMW Financial reported my account 30 days late to XXXX XXXX  XXXX for the month of XXXX XXXX. The payment was dueXX/XX/XXXX and was paid by me onXX/XX/XXXX, thus it was NOT 30 days late. This is the date the payment shows as being made on my receipt from BMW and this is the date the actual funds were deducted from my bank account as I have it set-up as a debit payment. 
BMW Financial has been nothing but a problem to me and my family. My husband was hit by a vehicle in XX/XX/XXXXand the motorcycle we had financed with BMW was totaled. We were having to pay for a rental car as well as still making the bike payment to keep our good credit while we waited for the insurance claim to be paid. This was a struggle for us to pay both and now BMW has made it worse by ruining our credit with these late pays that are n't even accurate. They do n't care about their customer and the research I 've done them affirms this as they have a " F '' rating with the BBB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Yamaha Motor Finance Corporation USA
State: GA

Complaint narrative:
I received a call from Yamaha Motor Finance on XX/XX/XXXXand spoke to XXXX. She informed me that my account was 50+ days past due for {$51.00}. I questioned the amount because I always pay more than our monthly payment. She stated that they took my late fees of {$51.00} out of my last installment payment made and now my payment is past due. Is this legal?? I have read my contract thoroughly and can not find such justification. I asked for a supervisor and talked to XXXX. He sounded like a broken recorder so I asked for his XXXX, XXXX XXXX ( not sure if spelled correctly ). I was told that since the mgr is not in the office they can not transfer me to his voicemail?? I was also refused the managers email address. I have since tried to reach this billing XXXX on XXXX, XXXX, and XXXX. I even sent a certified letter on XXXX/XXXX/XXXX to which no one has responded. On XXXX/XXXX/XXXX I paid the {$51.00} PLUS a monthly payment. I received a call today XXXX from them and talked with a supervisor named XXXX because I was told that now my account does n't qualify for the extension ( I 'm only 10 days past due now ) but XXXX offered this to me at 50+ days past due XXXX XXXX said that must be a training issue ). I have been out of work since XXXX and I 'm trying very hard to keep the account out of collections. I would like their payment tactics looked into because it seems unethical and illegal in so many ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
there was a transaction made on XX/XX/XXXX a withdrawal from XXXX ATM machine in the amount of {$300.00}, few days later I found out and immediately reported the matters to XXXX XXXX, they immediately closed the account and re issued me another card, and on XX/XX/XXXX they sent me a letter stating that due to suspicious activity there is a pending investigations, and I will not be held responsible to fraudulent activity, then on XX/XX/XXXX they sent me a letter stating that they completed the investigations base on their research the transaction is valid, I was surprised and shock they put back the whole amount and interest charges to my account, they base their conclusion on the previous transaction which I told them that those previous one is mine and the one iam disputing is NOT mine and somebody used my card, this is  unauthorized charges somebody use my card because the PIN no is written on the back of the card, I went to police station to file a police report as per request to me and I immediately sent the copy of the police report to them, what frustrate me most is they are not communicating to me, I keep on initiating to call them on a weekly basis, where is now the policy that any unauthorized charges iam not responsible, the way they conduct their investigation is unacceptable, please help me, why should I be responsible if the transaction is unauthorized, all credit card company is saying zero liability if there is unauthorized charges a consumer is not liable, I myself conducted a investigation because I want to know who use my card I even ask the head of the security to help me but I need a lawyer to do that and a judge order to be able to see the video or cctv footage, please advice and help me thank you so much

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 2017-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
Filed a police report in regards to fraud

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 2017-09-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
XX/XX/XXXX We contacted XXXX at Wells Fargo after we received the escrow analysis. She said someone would call us. 

XX/XX/XXXX Doc enclosed-I visited the City treasurers office to find out about the taxes being paid. They said all taxes for XX/XX/XXXX were paid in full. Next year 's annual tax will be {$2100.00} Which we pay in 2 installments so in XX/XX/XXXX we should pay {$1000.00}. The escrow analysis said we had to pay {$1800.00}! {$800.00} too much. No wonder they show our excrow account short funds! 

XX/XX/XXXX at XXXX I contacted XXXX in the Tax Dept. ( No help ) XX/XX/XXXX we faxed 7 pages of tax info to XXXX XXXX. -Got one sentence saying they 'd look into it and get back with us. 

XX/XX/XXXX I had emailed Wells Fargo on their site about the problem and got a response from XXXX XXXX Mortgage Online Customer Service that said they had forwarded our question to Customer Care and Recovery specialist who would be contacting us.. 

XX/XX/XXXX Wednesday @ XXXX this was the PM I got from them on XXXX Hi, XXXX. Your concerns have been assigned to XXXX. Please expect a phone call within the next 24 hours. If you need any additional support, please reach out to me. Thanks. ~XXXX  I wonder if it 's the same " XXXX '' as the XXXX XXXX that contacted my husband at XXXX XXXX and never picks up. Monday or Tuesday ( XX/XX/XXXX or XXXX ) both my husband and I tried to call him back with no response. XXXX We have received 3 automated letters saying they are working on it. 
What took me one day to figure out has taken them over a month!

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 2017-09-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: AES/PHEAA
State: OK

Complaint narrative:
I am being constantly harassed and threatened. I often receive numerous phone calls and/or texts in one day. I 've told them to stop. I am enrolled and my loans are in good standing. I 've changed my number 7-8 times because of stalking but I keep getting contacted about student loans on the new numbers. Frequently they use spoofed numbers that are similar to mine. 
I am a good student and my loans are in good standing. 
They are harassing me anyway. I 've had people follow me into restaurants and say threatening things in my earshot. 
They are using illegal means to get my new number which is supposed to be private for my personal physical safety because of the stalker.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My credit age on my credit reports are showing that my average age is XXXX and XXXX. My first student loan was XXXX - XXXX XXXXL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Student loans are a part of credit age.

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 2017-09-05 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I sent a certified letter toExperian made a follow up call late XX/XX/XXXX and was told by representative the investigation would be complete by first week of XX/XX/XXXX. I called in XX/XX/XXXXand another representative said it would be complete by the following week in XX/XX/XXXX. I received letter stating this account was investigated XX/XX/XXXX. Which means the cbureau did not vother to reinvestigate the matter since XX/XX/XXXX  month ago. 30 days past. By law this account is to be removed immediately and permaneantly deleted. IN addition to this I have sent multiple letters to have this account validated. I have no such account for said amount and there has been no paperwork sent to me for the said account verifying accuracy of details or amount. I am simply asking for this account to be deleted permanently due to the dispute being over 30 days and unverified data after multiple letters asking to remit said detailed account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XXXX/XXXX/XXXX Wells Fargo notified us via mail they had sold our Reverse Mortgage to XXXX XXXX of XXXX, TX effective XXXX/XXXX/XXXX. We are not in default and have faithfully paid all taxes, insurance and upkeep to the property. We have ask how to go about making lump sum payments to reduce our loan but never received an answer. We now find XXXX XXXX is a substandard company and has a lawsuit filed against it by XXXX XXXX thru XXXX. The XXXX of Texas list them as " F '' and advises XXXX XXXX not to deal with them. As a result of Wells Fargo 's actions we are now forced to deal with a company who has a history of preying upon 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 2017-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: CT

Complaint narrative:
Within the last 2 days, a company called Credco, formerly Core Logic did a hard inquiry on my credit without my consent. I have not applied for any type of loan or done anything to trigger a hard inquiry. When I called Credco they could not find any hard inquiry done by them based on my name and social yet they refused to fix the problem, blaming other companies. They suggested that I call the name and number associated with the hard inquiry. The name is CREDCO and they answered the number I called. They caused my credit to plunge by 31 points by doing this! I did NOT authorize this and I want it REMOVED.

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