vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-27 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: IN

Complaint narrative:
I have several inquiries on all three major credit bureaus that I did not authorize. On XX/XX/XXXX I contacted XXXX XXXX via phone to inquire about their requirements for financing a vehicle and specifically asked if a soft pull could be done just to see if it would be worth applying. The rep assured me that there would be no hit ( hard inquiry ) to my credit. I asked several times and was repeatedly told that there would be no hard inquiry. I then received notification alerts of several inquiries to my credit reports from them as well as a few other financial institutions that they sent my information to all without my consent and the rep blatantly lying to me. I contacted them to have the issue resolved and was told that they would not help me. 

On XX/XX/XXXX and XX/XX/XXXX ( XXXX XXXX XXXX ) my daughter was shopping for a car at XXXX XXXX XXXX and asked about financing and was told she may need a co-signer. Again, I asked if a soft pull could be initiated just to see if it would be worth trying because I was sure that I would not qualify and did not want to have any more inquiries and again I was lied to and ended up receiving notifications from 8 financial institutions and I wasnt even present again at this dealership. They financed her without the need of a co-signer so I am confused as to why they lied about the soft pull and ran my credit without the need to. I contacted them and was offered nothing more than an apology. 

As I was looking at my report I noticed a couple other inquiries that I did not authorize and I have contacted the companies as well as the credit bureaus and they all have refused to remove them. The following inquires were made without my consent : XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 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: IN

Complaint narrative:
I have several inquiries on all three major credit bureaus that I did not authorize. On XX/XX/XXXX I contacted XXXX XXXX via phone to inquire about their requirements for financing a vehicle and specifically asked if a soft pull could be done just to see if it would be worth applying. The rep assured me that there would be no hit ( hard inquiry ) to my credit. I asked several times and was repeatedly told that there would be no hard inquiry. I then received notification alerts of several inquiries to my credit reports from them as well as a few other financial institutions that they sent my information to all without my consent and the rep blatantly lying to me. I contacted them to have the issue resolved and was told that they would not help me. 

On XX/XX/XXXX and XX/XX/XXXX ( XXXX XXXX XXXX ) my daughter was shopping for a car at XXXX XXXX XXXX and asked about financing and was told she may need a co-signer. Again, I asked if a soft pull could be initiated just to see if it would be worth trying because I was sure that I would not qualify and did not want to have any more inquiries and again I was lied to and ended up receiving notifications from 8 financial institutions and I wasnt even present again at this dealership. They financed her without the need of a co-signer so I am confused as to why they lied about the soft pull and ran my credit without the need to. I contacted them and was offered nothing more than an apology. 

As I was looking at my report I noticed a couple other inquiries that I did not authorize and I have contacted the companies as well as the credit bureaus and they all have refused to remove them. The following inquires were made without my consent : Experian : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2017-11-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: NJ

Complaint narrative:
Hi was told 3 weeks ago in XXXX 2017 that they would n't be able to put my loans on Forberence spike to another rep 2 weeks ago told me not true put my loans in Forberance only to find out they did n't bow there threatening me by letter that they will send me in collections and take my wages. Its been so confusing I feel ill over this its like the never ending loans. They try to send me application for repayment its confusing I do n't know who to trust anymore please this is making me so sick they send me letters almost every three days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: WA

Complaint narrative:
I have had a loan with Nelnet for many years. I had a hardship deferment when I left school due to a family emergency. In 2015 my loan went into forbearance. I renewed the forbearance several times. Each time upon applying for the forbearance they had done an adminstrative forbearance bringing my account current and late payments forgiven. The last time they did not do this even though I was told they would do so like they always had. I now have two late payments on my credit report due to this oversight, the two loans I have through them made it four total. This is the only delinquency I have to my name and am feeling the reprocussions. Some then, I 'm no longer in forbearance and have been making timely monthly payments to pay back this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
I opened a checking account at M & T Bank in XXXX of 2017 at their branch on XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I used a promotion code ( XXXX ), which promised {$200.00} dollars after direct depositing {$100.00} or more into a checking account. The woman who helped me open my account at M & T assured me that I was eligible for the promotion and that she included the promotion code in the computer system at the time of opening my account. I arranged the direct deposit within the required 3 months and, as per the promotion, I expected to received my {$200.00} within 3 months of having my $ 100+ direct deposit go through. A direct deposit of {$100.00} went through on XXXX XXXX, XXXX. Three months later, I still had not received my {$200.00} so I called the bank branch. A representative asked me to email them the coupon I had to see the code. I obliged and the woman said that the promotion had a computer-based system with names in it of people who are qualified - apparently my name was not in the computer system. 

However, if this were the case, the M & T representative did not inform me of this when I first opened my account and even assured me I was eligible. Furthermore, the coupon mentions nothing about a computer-based system with eligible names ( I attached it to this complaint ). After mentioning this to a representative over the phone ( working at the branch where I first opened my account ), she told me she would call me back after looking into the matter. I never received a phone call or a message/email back from the representative and I never received the {$200.00} per the promotion.

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 2017-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: NH

Complaint narrative:
I have been charged a late fee for the last three months, even though I made my payments of the due date. Your bank has changed the time, or began to enforce the time the payment was due to XXXX. I was never notified of this change and I made the payments on the date they were due. Three months of late fees were incurred, damaging my otherwise good credit. I want U.S. Bank and the C.P.F.B. that this is a predatory action. The date the payment is due is the date that it is. I do not believe the day ends at the time that U.S. Bank states. I do not get out of work until XXXX and it is still the same day as when I went to work. If I had known that at XXXX it became the next day, I would have made the payment the day before. Why would I want to pay a late fee for three months in a row when making the payment on the day it was due? I have been a good customer to U.S. Bank for many years through the XXXX card and these actions make me question the good intentions on U.S. Bank.

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 2017-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One Bank is blocking me from using XXXX. It is illegal for them to block me..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION
State: WA

Complaint narrative:
In XX/XX/XXXX I received a bill for an urgent care visit for my daughter. According to the bill insurance had n't paid and the entire balance was owed by me. I called the original creditor and asked them to bill XXXX XXXX as my daughter had insurance. They said they would. Every month I received another bill and I would call again and ask them to re-bill. I eventually recienved a bill and a collection report on my credit report for {$310.00} from XXXX XXXX XXXX/XXXX XXXX XXXX for the above date of service. I called them on XX/XX/XXXX and explained I did not owe this debt as my daughter was on XXXX and the visit was covered and eventually paid for by XXXX. I was told they emailed XXXX  XXXX ( the original creditor ) about removing the collection from my credit report because the account HAD been paid in full by the insurance company. I then called XXXX to follow up and was told by XXXX that it would be taken care of and off my credit in 30 days due to the fact XXXX XXXX had paid the bill in full and nothing was owed on the account. None of this was ever done. In XX/XX/XXXX I called XXXX XXXX to ask for the explanation of benefits showing the bill had been paid so I could send it to XXXX XXXX XXXX XXXX XXXX so they would stop reporting me monthly to the credit bureaus. The lady I talked to instead three way called them to tell them it had been paid and offered to mail them proof. XXXX was also on the line and apologized for the error and stated they would put in a request to have the debt paid in full and would no longer report. He said they report every Wednesday so it would be about a week for them to stop reporting and the bureaus would reflect that in 30 days. It has been well over 90 days since this conversation and they are still reporting monthly. I do not owe this debt, it has been paid in pull by the insurance company and I need them to remove this from my record. The conversation from XX/XX/XXXX was all recorded my XXXX XXXX and could be made available by calling them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 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: NC

Complaint narrative:
I 've cotacted this company on XX/XX/XXXX and spoke with XXXX to inform her that I had credit inquires on my report that were no authorized by me. she told me to contact the companies I 've sent certified letters its been over 60 days and I have n't heard any information. she told me to contact them again. and I explained to her that these were unauthorized she was no help at all. I 've spoke with about 7 other assoicated between XX/XX/XXXX-XX/XX/XXXX and got no help. 
XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX  XXXX Inquiry from XX/XX/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 2017-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
This account was opened XXXX XXXX 2007 and was in my spouses name. I was never on this account to my knowledge. Now it shows opened and a balance of XXXX dollars. This also only shows on XXXX  and nothing else.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
on XXXX/XXXX/XXXX i sent a letter and fax to Equifax disputing a tax lien that appeared on my credit report. I stated that this report is not reporting accurately and that i wanted a proper investigation or to simply remove the account. Under the Fair Credit Reporting Act, the credit bureau must do a proper investigation by contacting the furnisher and get the correct data and report accurately. This was not done at all. the item in question which i am requesting to be removed is below. 

XXXX County Special Civil Co Case or ID # XXXX Equifax responded on XXXX/XXXX/XXXX and failed to do a reasonable investigation on this tax lien which is showing up as a public record. Equifax did n't even bother to contact the court clerk to verify anything. Instead Equifax sent me a incorrect response and resolution to my dispute which clearly violates my rights under the FCRA. I am requesting that Equifax do the right thing and remove this inaccurate trade line off my credit report. 

Equifax Confirmation # is XXXX i have attached my letter sent to equifax and their response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XX/XX/XXXX I purchased two couches, ottoman and a table from XXXX XXXX in XXXX Missouri for {$2800.00}. XXXX XXXX used Capital one as a lender for the purchase. We have been waiting for a card in the mail to set up an online account to pay for this purchase. While waiting on the card we made a phone call and payment on XX/XX/XXXX since the card had not arrived. Last month I called Capital one and they said they could not give me any account information to set up my online account and that the card would be sent to my address to set up my account. I called them today XX/XX/XXXX CST and was transferred to the fraud department to a lady in XXXX XXXX who couldnt help me unless I knew a passcode for the account, and since I didnt even set an account up she said I couldnt be verified of who I am unless I send a copy of my social security and drivers license. Her other option was to go to a local capitol one bank which I cant do because I am overseas in XXXX, and the closest Capital One bank to my home of record I could find was in Texas. I requested to speak to somebody stateside and she transferred me to a Supervisor named XXXX who claimed to be in Florida. She realized that I was not referring to an old account which was closed, and she said the furniture department has a different number I must call. She gave me the following number XXXX. I called this number and a machine answered and asked for an account number which I do not have or my social security. My credit report is already reflecting late payments for this month, and I have no way of setting this account up. I dont know if my last payment even went towards the XXXX XXXX account since Capital one keeps referring to an old closed account I had for a vehicle. The number they had provided I tried looking up on the internet but I could not find any contact information for, so I dont feel comfortable giving my social security number to the machines request. The number I used to contact Capital one was from their website under General Customer Service : XXXX. I am just trying to set up my online account so I can pay my bills while overseas, and I am at a dead end. 

XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Missouri, XXXX Sales Person : XXXX Invoice : XXXX Phone : XXXX Capital one : XXXX Webpage : https : //www.capitalone.com/contact/

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This account was opened XXXX XXXX 2007 and was in my spouses name. I was never on this account to my knowledge. Now it shows opened and a balance of XXXX dollars. This also only shows on equifax and nothing else.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
Made a purcharse in XXXX, for 04 computers, was suppossed to wire the money through XXXX  keeping the reference number to myself until the package was delivered. They asked for a proof of the transfer, they asked for me to send a picture of the receipt covering the reference number ( which is suppossed to be the only way to cash out the money from moneygram ), and with the receipt and with out the REFERENCE NUMBER they cash out the money from moneygram in XXXX. Thought XXXX guaranteed the transfer only if the receiver presented the Reference number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
my card and idenity was comprimised i never used this chase freedom account for a while and the card was stolen i called this bank and went to the branch to prove to them this card was stolen this account is reflecting a balance of XXXX.+ that was never used by me it was fraud charges i filed a report with the police and they refused to credit the charges i sent proof i was in XXXX when this fraud occured there violating my rights with the fair credit and billing act the lady said XXXX remarks and thats why she denied by claim i sent my travel papers to her supervisor showing i was out of the country they still denied by claim she wanted me to go the police and get her a copy of the report and i dont have to do none of that thats her job no where does it say under the fbca i have to do that

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jon Barry and Associates, Inc.
State: SC

Complaint narrative:
I have an alleged medical debt in the amount of {$6300.00} reporting to my credit currently by XXXX XXXX XXXX, in error. I have attempted to dispute this matter with the agencies as well as I have requested validation on this account. This has been falsely reporting to my credit report and has caused major damage to my score. Please note that I was unemployed from XX/XX/XXXX- XX/XX/XXXX of 2016 and did not have any funds for any of my bills at the time. I fell behind on everything from my car payment, which was eventually repossessed, my credit cards went into default ( however XXXX XXXX worked well with me and I am proud to say I was able to get it taken care of ), my insurance lapsed, as well as I was unable to come up with my rent during this time. I was also in school at the time and was having to find ways back and forth to ensure that I would not fall behind on my education. I am doing the very best that I can but do not know what to do at this point. I am attempting to work on my bills but do not find it fair that I would be responsible for things that are not mine. Please help me get this matter resolved. I do not want to result to litigation regarding these types of matters but I do n't know if I have any other choices. Please tell me what I should do????

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-27 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: FL

Complaint narrative:
On XX/XX/XXXX XX/XX/XXXX XXXX XXXX runs my credit without my authorization I try to contact Equifax for solve this problem but I ca n't the system reject me out if somebody can help me with this problem

Company response to consumer: Closed with non-monetary relief