vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-12 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Consumer Financial Services
State: FL

Complaint narrative:
This title loan company has opened and closed accounts under different names claiming i owe them thousands of dollars even after they repossessed the car. I told the company the engine went bad and i needed time wit payments they, charged me for a locksmith and took the vehicle. 5 years later this company has open and closed accounts on my XXXX XXXX and XXXX   accounts. I have taken the time out to rectify the issue but they refuse to show me proof of the charges or any records i have my last receipt that shows a five hundred dollar balance. These people have been taking advantage of me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XX/XX/2018 found a hard inquiry on my credit report that I have no idea about. Tried calling them and they wanted my card information to sell me a XXXX gift card..after refusing many times I asked for the fraud dept. The number they gave me was XXXX which is the number for information, I tried calling back and they blocked my number. I have called trans-union about this and they said they can not help. I called the Fed. Trade Comm. and they haven ; t helped. I just want this hard inquiry off my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a fraud alert on my credit report with XXXX, XXXX, Equifax the reporting agency suppose to contact me before credit is extended in my name however Im a victim of identity thief and as I was checking my credit report I notice a lot of inquiries that was on all 3 credit agencies without my authorization I feel as if those inquiries should be remove it was done without my consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: COMMERCE BANK
State: MO

Complaint narrative:
I received a text message stating that Commerce Alerts : You will receive no further messages. Call XXXX for more information. I Immediately called the number and was informed that my account was closed due to no activity on the account for more than 30 day with a XXXX balance. I was aware that I didnt have any activity on the account for a few months but didnt realize that my balance was at XXXX  and was in jeapordy of closing. If I would have received corresponding making me aware that my account was going to close I would have made the neccessqry steps to mainting the account in an active status. The supervisor I spoke with informed me that they dont send out any notices its on the terms and conditions when opening the account but it doesnt sound reasonable. I have had this account since XX/XX/2009 going on 10 years and opening up a new account with new banking information is frustrating. I just want to make to see if this is logical or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Back in XX/XX/2012Bank of America put me in XXXX & ive paid them off & ive got a XXXX   report but no information is there. Im trying to figure out when Im going to get out of 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 2018-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
A dispute to stop a payment for {$1100.00} was started by me on XX/XX/2018, when a dry cleaner 's accidentally charged me twice. The service was for {$130.00}, but an additional payment of {$1100.00} was requested by mistake, and I contacted Citibank to remedy this. The bank acknowledged the dispute, and credited back the {$1100.00} into my account a few days later. 

Then, a month later, on XX/XX/XXXX, I received a charge of {$1000.00} from Citibank along with a letter stating that " The proof of alternate payment you provided was less than the amount in question '', and when I called them again regarding the letter and the charge, their representative provided no reasons for why the dispute results were reversed, and simply said that they will send another dispute to " fix '' the {$1000.00} charge. No explanations regarding " the lack of alternate payment 's proof '' was given when I asked how there was no proof when the 2 charges in question were clearly recorded in my bank account that they are in charge of. 

Today, a month after my second call in XX/XX/XXXX, I received no updates, no correspondences, and the {$1000.00} charge from Citibank is still present in my account. When I called their dispute center again on XX/XX/XXXX, I was told to wait another 6-9 business days until another update comes through : the exact same thing I heard back in XX/XX/XXXX. 

Based on my experiences and answers that I received from Citibank, the bank has made no attempt to contact the merchant to verify the original mistake, reversed a clear-cut dispute and charged me a {$1000.00} with no explanation, and has made no progress in remedying the situation in almost a month 's time.

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 2018-09-13 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: AES/PHEAA
State: KY

Complaint narrative:
My husband attended this university and we have made payment arrangements and have paid, but they have derrogattory on his credit and my credit and they have it duplicated were they have different companies charging us and destroying our credit score it should be on one of our  credit and not duplicated, it has affected our lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I was leasing a new XX/XX/XXXXXXXX XXXX from Chase. I extended the lease at the end because I was waiting for the new XXXX XXXX model to come in. The origional lease was due XX/XX/XXXX.On or about XX/XX/XXXX I paid the lease for the XX/XX/XXXX payment. On XX/XX/XXXX my new car came in. I was not expecting it until the end of XX/XX/XXXX. I get paid once a month and pay all my bills at the beginning regardless of the date due on that month. I turned in the leased vehicle XX/XX/XXXX to the XXXX XXXX XXXX XXXX NC. I also started the process to buy my new car. Six weeks prior to this date of XX/XX/XXXX I brought my leased car into the dealer at XXXX XXXX to inspect my tires. I was told that they did not need replacing. At the end of lease I Had under XXXX miles on the car way way under mileage ( XXXX + miles ) so I did not expect the tires needed to be replaced anyway. I also added leather seats to the leased vehicle at the time of the lease costing XXXX dollars extra. At the end of lease I got a bill for {$530.00}, XXXX dollars for the end of lease fee and the remainder for wear on the tires. I knew about but XXXX lease fees but my early payment of {$390.00} covered that and I don't believe my tires had enough wear on them to be charged. I wrote them a letter but never received a response and today I received another letter for the {$530.00}, no mention of my letter. I don't owe them anything, they owe me {$94.00} for the early payment made on the XX/XX/XXXX, not due to the XX/XX/XXXX when the vehicle was turned in on the XX/XX/XXXX. I also thought they would contact me so I could be there when they made their inspection but was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have a fraud alert on my credit report with XXXX, transunion, XXXX  the reporting agency suppose to contact me before credit is extended in my name however Im a victim of identity thief and as I was checking my credit report I notice a lot of inquiries that was on all 3 credit agencies without my authorization I feel as if those inquiries should be remove it was done without my consent

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 2018-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a fraud alert on my credit report with Experian, XXXX, XXXX the reporting agency suppose to contact me before credit is extended in my name however Im a victim of identity thief and as I was checking my credit report I notice a lot of inquiries that was on all 3 credit agencies without my authorization I feel as if those inquiries should be remove it was done without my consent

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 2018-09-13 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
for a few months now I have been attempting to access my credit reports and dispute a false charge but I am not able to access my report to dispute items because XXXX and Equifax are denying me a dispute claiming I already disputed and no longer have rights to a dispute. XXXX never responded to my complain so I attempted a new one and now I am being denied. 

Also, Equifax is denying me a dispute and they sent me an error which I have attached. I can not be in collection because I do not owe XXXX anything, the account holders at XXXX XXXX are harassing me and are abusive in their calls and communication and I have let the bureaus know this and they dont seem to care. I asked the bureaus to delete this and stop tarnishing my credit report and they dont respond and are shutting me down.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Seterus, Inc.
State: FL

Complaint narrative:
My house was impacted by Hurricane Irma. There was damage to roof and interior. The lender, Seterus Inc reached out and offered disaster assistance in the form of a 6 month forebearance. Prior to  accepting the offer I asked several times about how this would impact my credit. I was told that nothing would be reported due to the disaster. During that time I attempted to refinance the property to pay for the repairs. I was unable to get a loan due to the lender not reporting. So I waited until the forebearance plan was to end. Before the end of the 6 month forebearance I contacted Seterus to inquire about the return to payments. I was told that I had options going forward. They told me that if I was to make 3 payments over the next few months that my loan would be adjusted. I made the payments but then Seterus reported me as late 150 days to credit burea. When I called and complained I was told that it would be labeled with a code that showed disaster Irma and this would not hurt credit. My credit score dropped over XXXX points. When I called back I was told that the reporting rules changes. They then allowed me to make 2 months payments ahead and brought my account current and adjusted the loan. However they again reported me as 150 days late. Today it shows as current but due to the negative marks I can not refi my house to make repairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
XX/XX/XXXX I was a junior/senior at XXXX Univerisity. Mid semester I believe around XX/XX/XXXX or XX/XX/XXXX my school notified me that they were sorry but Sallie mae took back your loan because that specific loan and will not give it back. I ended up coming back home an facing and extreme debt .. I then worked retail jobs to pay for a XXXX school part time so that I could attempt to finish.. while delaying my loans.. i entered XXXX in XX/XX/XXXX and most of my credit or some didnt qualify because I went from private college to XXXX. I had to work my way to school hoping to get a career to one day pay this large debt. Since having this debt I have been XXXX   and currently was out of work for 2 months with a XXXX XXXX XXXX XXXX. I am now struggling once again with all my loan debt due and no options for anything else and I have 3 more classes left of school and due to my illness now have to hold off again.. if I had graduated in the summer of XX/XX/XXXX and my loan had not been taken away I would have never had to be in such a large debt. I am current looking for lawyers as it would be impossible for me to pay off the over XXXX debt with my retail job and because my loan was private Navient is now hitting my credit score. I need advice or secure and safe lawyers I can use as when previously seeking outside assistance I was scammed and the companies did not help with my debt. Navient only leaves me in the option to pay and although this has cause me extreme XXXX  I dont mind spending my life in court battling it out with them at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 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: Performant Financial Corporation
State: NJ

Complaint narrative:
on XXXX a company by the of XXXX XXXX XXXX . opened an account in my name. I found out by checking my credit report. I have no knowledge of an account and why they would do this. I know i own XXXX XXXX dollars but that do not give them the right to open an account in my name. Which now has affecting my credit score. The company is located in XXXX   Fl. Please tell me what I need to do

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 2018-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
EQUIFAX has reported a collections on my report. They have reported a MEDICAL BILLING on my credit report. I have sent over repeated letters by certified mail and that have not responded. They have not validated the debt upon written request. They continue to Report this claim. Equifax claim that have received validation ( DEFAULT OF WHILE IT'S STILL ON MY REPORT ) from the creditor and have kept this derogatory remark on my report despite my multiple letters to them as well. 

PLEASE Be advised that pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sect. 809 Equifax are in violations of the 1996 Hippa Act, The law Fair Debt Collection Practices clearly states they must verify Evidence/proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 

Proof that the collection agency are registered to transact business and/or collect in my state. 

Proof of collection agency authorization by law for collection of information. 

Evidence of whether this debt was assigned or sold to : XXXX XXXX PLEASE Be advised that pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sect. 809 ( b ) that your claim is disputed and validation is requested. 

Any Evidence of EQUIFAX verifying my personal Medical Billing is a violation the HIPPA ACT 1996 TITLE II PRIVACY AND SECURITY which are a set of regulations and guidelines for the electronic transmission of healthcare data, and sets up guidelines for the code sets used in medical billing and coding. 
ANY MEDICAL INFORMATION AND INCLUDING MEDICAL BILLING MUST HAVE A HIPPA RELEASE FORM. 

Having Any Of My Medical Information Is A Violation Of Hippa Law. 

CREDIT REPORTING Agencies do not fall under Health Information Exchange ( HIE ) Which pertains only to Doctors, Nurses, Pharmacist other Health care providers to access and securely share a patients vital medical records. 
ANY VALIDATION OF THIS DEBT IS UNLAWFUL OF HIPPA ACT 1996 TITLE II PRIVACY AND SECURITY

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
for a few months now I have been attempting to access my credit reports and dispute a false charge but I am not able to access my report to dispute items because Experian and XXXX  are denying me a dispute claiming I already disputed and no longer have rights to a dispute. Experian never responded to my complain so I attempted a new one and now I am being denied. 

Also, XXXX is denying me a dispute and they sent me an error which I have attached. I can not be in collection because I do not owe XXXX anything, the account holders at XXXX XXXX are harassing me and are abusive in their calls and communication and I have let the bureaus know this and they dont seem to care. I asked the bureaus to delete this and stop tarnishing my credit report and they dont respond and are shutting me down.

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 2018-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: OK

Complaint narrative:
This is concerning the debt which we dont owe. With XXXX XXXX XXXX XXXX Bundle with XXXX XXXX, our contract with XXXX XXXX XXXX was over in XX/XX/2018. All the bills was paid in full, call the XXXX XXXX XXXX agent and clear everything. It was with XXXX XXXX we had two years contract and upon signing with the company we were told if we moved away from the location where they were providing service, to another location and if XXXX XXXX XXXX XXXX bundle has no coverage then there should be no early termination fee. We moved to XXXX XXXX from XXXX on XX/XX/2018, and we called the company to transfer our XXXX XXXX XXXX XXXX bundle to our new location, but they dont have coverage in our location, for that they promise us there is no termination fee and we owe {$0.00}. But after few months we received several letters from Credence Resource management LLC collection company saying that we owe {$400.00}. So I call XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XXXX XX/XX/2018. I spoke to XXXX XXXX XXXX agent XXXX at XXXX, she is from Bundle billing department for XXXX XXXX XXXX XXXX, She has checked everything and she told me her supervisor will be writing to the collection company to recall this debt of {$400.00}. The charges was for equipment and early termination fee, I have return the equipment both to XXXX XXXX XXXX and XXXX XXXX. I have both the receipt, that was shipped out on XX/XX/2018 from the XXXX XXXX here in XXXX XXXX XXXX, I have given agent XXXX both the Reference number. I will attach both the receipts for proof. Also the last statement from XXXX XXXX which shows the {$0.00} Balance in our account.Agent XXXX told me we will not be receiving any more letters from the collection company, that all is taken care of, but we still get letters from the collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion shows inaccurate balance for my XXXX account. Update not done every 30 days which penalized my credit report and credit score. As of XX/XX/2018, the accurate balance is {$22000.00}.

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 explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Received Kohls ( Kohls/CAPONE ) credit card I did not apply for to my knowledge. My XXXX  report showed several " hard '' inquiries for the Kohl credit card - all dates were in close proximity to dates I had made purchases online ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ), the card was issued XX/XX/XXXX. Is it possible to " automatically '' apply for a credit card without my direct knowledge without filling out an application form? I disputed card via XXXX  & it came back as " valid. '' Not sure how this happened. I have no idea how this " application '' was generated or approved. Deceptive practices?

Company response to consumer: Closed with non-monetary relief