vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-17 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: TX

Complaint narrative:
I have contacted EQUIFAX bc I recently have gotten a few credit inquiries that I did not authorize It has been unusually back to back requests for credit. I have a business and recently let go my partner, so I am not sure if this was them seeking business credit on my behave, I deal with a lot of foreigners so I 'm not sure if this is fraud or : I should only have  XXXX  KNOWN CREDIT INQUIRIES THAT I AUTHORIZED MYSELF!!!!
IT IS CURRENTLY  XXXX  TOTAL SO  XXXX  ARE NOT AUTHORIZED OR KNOWN!!! Which is ridiculous bc I did not do these!!
BELOW ARE THE INQUIRIES I DID NOT AUTHORIZE AND I HAVE CHECK MY RECORDS AND LOOKED UP COMPANIES TO SEE IF THEY ARE MINES, IT IS NOT I HAVE ALSO CONTACTED EQUIFAX AS WELL AS THE COMPANIES AND EVERY REPLY STATES THAT I HAVE MADE WHICH ANYONE CAN REQUEST A LOAN ONLINE :  XXXX  XX/XX/XXXX   XXXX  XX/XX/XXXX   XXXX  XX/XX/XXXX   XXXX  XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX  XX/XX/XXXX   XXXX  XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX  XX/XX/XXXX   XXXX  XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I received a credit alert that someone opened a new credit card in my name fo r BP gas stations.  I previously had a card for this back in high school, but this was closed years ago ( probably around 2011 ). It was recently re-opened and sent to my parents house, despite there being no request for a new card. As a result, my credit score has been lowered and it now shows I 'm carrying debt related to my parent 's credit card.

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 2017-07-17 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: VA

Complaint narrative:
This letter is to inform you that Experian has failed to respond to my phone inquiry dated  XX/XX/XXXX  regarding unknown inquiries on my credit report. Since that time, there have been additional inquiries that have appeared on my report. As a consumer, I have the right under the FCRA to have these unknown inquiries removed accordingly. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer ; -  XXXX   XXXX   XXXX   ,  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  , OH  XXXX  -  XXXX   XXXX   XXXX  ,  XX/XX/XXXX  XX/XX/XXXX    XXXX   XXXX   XXXX    XXXX , VA  XXXX  -  XXXX   XXXX   XXXX  ,  XX/XX/XXXX    XXXX   XXXX   XXXX    XXXX , VA  XXXX  -   XXXX   XXXX   XXXX  ,  XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , UT  XXXX  - XXXX /  XXXX   XXXX   XXXX  ,  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , SD  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 2017-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
We received an agreement for a principal reduction provided our payments were made on time. We have complied with the agreement and now they refuse to apply the principal reduction. I contacted the loan servicer ( Nationstar Mortgage ) and now they say the principal reduction was denied despite my agreement to the contrary.
Nationstar Mortgage Acct.   XXXX   Balance :   XXXX    Interest:2 % ( unitl 2020 )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I 've recently reached out to the credit bureaus to make them aware that the filing date of my Chapter  XXXX  Bankruptcy is incorrect.

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 2017-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I 've recently reached out to the credit bureaus to make them aware that the filing date of my Chapter  XXXX  Bankruptcy is incorrect.

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 2017-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One has been soliciting me by mail on a regular basis ( at least 5 or 6 times ) to apply for their Venture credit card. I am about to build an addition to a home & will be spending a lot of money so I applied for the Capital One Venture One card which has a LOT of 'Bonus Points ' included when you spend a certain amount within a few months.
I certainly would do this in order to GET those Bonus Points.
I know my credit score is very high (  XXXX  ) and I owe very little money. I could afford to pay it all off if I chose to do so.
I believe they denied me this special card because I am a Retired Person, not working.
They could n't possibly have denied me based on my Credit.
I am under the impression that if a bank offers a credit card to some people with certain criteria, they must afford that card to ANYONE meeting the same criteria. I resent this denial and still would like that particular card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had an automatic payment from my Bank of America checking account set up for a mortgage I held and for the   XXXX    XXXX , 2010 due date, and the payment was never initiated. I did not learn of this situation until the payment was 30 days late and Bank of America, on the phone, admitted it was due to a glitch. I asked for documentation to provide to the creditor and they promised it, but later refused when I followed up. I escalated and they later claimed I turned off the autopay, which I did not do. I receive alerts for any online banking changes and none existed for this change they claim I initiated. I asked for their audit trail evidence proving I did it and again they refused. This late payment on my mortgage dropped my credit score by about   XXXX    points and it still has not recovered years later.

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 2017-07-17 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I 've reached out to the credit bureaus to dispute an account listed as "  XXXX  '', and currently collecting under   XXXX   XXXX   XXXX  , that I am unfamiliar with and have disputed this account since it is not mine and have been unsuccessful. I have no knowledge of this particular account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: BB&T CORPORATION
State: VA

Complaint narrative:
I purchased my   XXXX   XXXX   XXXX   in    XX/XX/XXXX  with a 66 month auto loan from   XXXX   XXXX   XXXX  . The percentage was 22 % interest. The loan amount was for {$15000.00}. It has been 73 months and I have paid them {$21000.00} so far for this car. They tell me I have a balance of {$14000.00} that they say I still owe them. As a result, when I am done paying for this car I will have paid them more than {$36000.00}. According to the contract, the total number of payments they were to receive after the 66 month term is {$27000.00}. The extra amount they are telling me is due to interest which is charged at $  XXXX /day plus a monthly late fee of {$20.00}. During this loan, I was out of work once for recovery from   XXXX   and again for loss of job. Therefore, I have had to have extensions on my loan. I have been struggling to pay this down at a $  XXXX /month payment fee. I can not get ahead because they are always putting extra fees on my payments and then they call me and harass daily and threaten to repossess my car. I have paid this loan for 73 months now and they are telling me that as of XX/XX/XXXX , my contractual loan with them will be done and they will charge me a balloon payment of over $ 10K! I have offered to settle this debt for a lump sum of {$5000.00} and was told that they would not consider less than $ 11K! This is an impossible debt and it is a predatory lending at its worse!

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 2017-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I called Transunion because I feel I was a victim of the credit inquiry Issue and they refused to help me.I have several credit inquiries that I do n't even recognize and need Deleted!
I will list them, perhaps something can be done if you contact them!
 XXXX  Date Filed  XX/XX/XXXX  Type Miscellaneous and public record Phone Number (   XXXX    )   XXXX   Address   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   Date Filed  XX/XX/XXXX  Type Miscellaneous and public record Phone Number (  XXXX  )  XXXX  Address   XXXX   XXXX   Do you see errors in your report? SEE OUR DISPUTE   XXXX   XXXX  -130 Date Filed  XX/XX/XXXX  Type Miscellaneous and public record Phone Number (  XXXX  )  XXXX  Address   XXXX   XXXX   XXXX   XXXX      XXXX   XXXX   Date Filed XX/XX/XXXX  Type Finance other than personal Phone Number (  XXXX  )   XXXX   Address   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   Date Filed  XX/XX/XXXX Type Finance, personal Phone Number (   XXXX   )  XXXX  Address   XXXX   XXXX   XXXX    XXXX  Date Filed XX/XX/XXXX  Type Finance other than personal Phone Number (   XXXX   )   XXXX   Address   XXXX   XXXX   XXXX     XXXX   XXXX   Date Filed  XX/XX/XXXX Type Automotive Phone Number (  XXXX  )  XXXX  Address   XXXX   XXXX   XXXX    XXXX  Date Filed  XX/XX/XXXX  Type Banks and   XXXX   XXXX   XXXX   Phone Number (   XXXX   )  XXXX  Address   XXXX   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 2017-07-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax, is not acting in good faith and unfairly and inappropriately reporting me negatively on my credit report, for an account that was transferred out to   XXXX   in   XXXX   and they already deleted the tradline, but on the  XXXX  account it 's still showing being delinquent in  XXXX . When I reached out to Equifax they gave me the run around, although it 's clearly showing that the account is not accurately reporting,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had  XXXX  charges this year by   XXXX   I disputed with bank bc the items were incorrect Bank worked in the other companies favor and company would not work with me on returning items or remaking items I am still at a lost and items were not correct, this is not fair a bank should be in customer favor when they are at a lost  XXXX / XXXX /2017 {$3900.00}  XXXX / XXXX /2017 {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Cornerstone Home Lending Inc.
State: TX

Complaint narrative:
This concerns my existing mortgage loan with Cornerstone Home Lending. 

I have asked two questions : 1 ) Why does my Truth in Lending Disclosure reflect an interest rate of 3.475 % APR, yet my loan note reflects an interest rate of 3.875 %. The interest rate on the note, plus the cost of obtaining the credit should be equal to the APR. So the note rate should not be higher than the APR rate. Please show me the math.
2 ) Based on the loan history amortization schedule I downloaded from Cornerstone 's customer account, web base access portal, Cornerstone is charging me interest on a 360 days basis instead of a 365 days basis. I understood this was a standard type consumer mortgage product, based on a simple interest calculation. I can not find any disclosures in my loan documents stating this interest rate is calculated on a 360 day basis. The difference in interest is material over time. 

The excel sheet includes an example of the interest rate for XXXX, XXXX and XXXX of XXXX. The tabs at the bottom are different work sheets one for 360 days, directly from the web site ; one for 365 days, the third for 365 days and the 3.475 interest rate. 

Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
while attending   XXXX   XXXX   XXXX   College my loan originated with   XXXX   XXXX  . somehow my loan servicer changed to Navient ( major Problems ). My loans totaled ONLY around 33,000 i had to complete paperwork in 2014 to  tfr  to Navient. i was told by Navient the FIRST paperwork was incomplete to process it again. so i did ONLY to find out that Navient processed both applications TWICE therefore leaving me with a debt of  XXXX  I have spoken to them i have faxed proof from   XXXX   XXXX   i have faxed financial records from my college and they insist on me paying   XXXX   to them for a school which only cost me maybe 22,000 plus part of my education was subsided by my employer they in turn sent my loan to   XXXX   XXXX   with the continued debt of   XXXX  . i contacted  XXXX  and they right away spotted the error. i feel that Navient is prejudice towards servicing me assistance in this matter they have blemished my credit they have caused me to incur higher insurance and higher loan rates. My  XXXX  is beyond what you can believe i am receiving demand payments of   XXXX   per month in which i can not afford on a salary of  XXXX  i really need someones help next i will be garnushed because of someones elses error .... please help me .... my contact there was   XXXX   at   XXXX   XXXX   XXXX    also a lady named   XXXX   .... and now they have blocked my calls all together  ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ZENCO COLLECTION, LLC
State: OH

Complaint narrative:
I received a call from a woman named   XXXX   XXXX   claiming she was representing   XXXX   XXXX  . She attempted to get me to acknowledge and make payments on prior debts of my deceased grandmother. Upon asking this woman for detailed contact information including the firm she represents she would not provide it to me. Only a phone number. I do not believe she or her firm is a legitimate debt collector or attorney.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I 've reached out to the credit bureaus to dispute an account listed as "   XXXX   '', and currently collecting under   XXXX   XXXX   XXXX  , that I am unfamiliar with and have disputed this account since it is not mine and have been unsuccessful. I have no knowledge of this particular 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 2017-07-17 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I 've reached out to the credit bureaus to dispute an account listed as "  XXXX  '', and currently collecting under   XXXX   XXXX   XXXX  , that I am unfamiliar with and have disputed this account since it is not mine and have been unsuccessful. I have no knowledge of this particular 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 2017-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I received a call from a woman named   XXXX   XXXX   claiming she was representing Chase bank. She attempted to get me to acknowledge and make payments on prior debts of my deceased grandmother. Upon asking this woman for detailed contact information including the firm she represents she would not provide it to me. Only a phone number. I do not believe she or her firm is a legitimate debt collector or attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 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: NC

Complaint narrative:
I phoned Chase Bank in order to apply for their advertised Chase Sapphire Card which has a number of Bonus Points attached to the use & payment of said card.
I have had this particular card in the past and chose to Cancel it after a while as I did not spend as much money ( in Retirement ) as I once had.
As it turns out, I am building an addition to my home and will be spending a LOT in the next few months, so I want this card. My credit score is certainly high enough as I know it is over  XXXX  pts. and I have very little outstanding debt. So little that I could pay it off at any given time if I chose to do so.
So, one week ago I applied on-line for this card and was told I could not be approved. I BELIEVE this must be because I am older and retired and they do not think I will spend enough money or something. Whatever their reason, I am certain I qualify for the card in accordance with their own criteria.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 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: NY

Complaint narrative:
Experian unlawfully shared my personal information with others without my consent as a revenge for reporting them to the CFPB

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 2017-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On   XXXX    XXXX ,2017. I made a Atm cash deposit at the   XXXX   XXXX    Atm outside the branch in the   XXXX   XXXX  . I made a cash deposit of {$360.00}. After I made the cash deposit a message across the machine. Telling me that it was experience difficult and can I please enter the amount I put in.I did! The machine told me to call this number  XXXX . After I try to go back and take {$180.00} out the machine after I made the deposit. Then the machine print the number again.Then I try to uses the Atm machine inside the branch then it was telling me the same thing. I called the number immediately. I have been going to the bank and calling everyday. They keep giving me the run around.I spoke to the fraud the department on   XXXX     XXXX  ,2017 they told that the Atm machine was jammed and they would give back me {$67.00} which they did on   XXXX     XXXX ,2017. At first told they only seen the {$300.00} but not {$67.00}. On three time different people had told me to come the branch to pick the money up. They have had my {$300.00} on hold ever since. I was told on   XXXX    XXXX ,2017 that I had to do another claims. Which I did. I also explain to them that I have receipt for the $  XXXX .I call back on  XXXX   XXXX ,2017 They declined my claims an said they have investigate. They also closed my account for this reason but it was n't my fault. They told it was fraud activities. I told understand why if I have a receipt. I also call my attorney.

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