vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-15 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: Conn's, Inc.
State: TX

Complaint narrative:
I HAVE FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. IT HAS BEEN WELL OVER 30 DAYS AND I HAVEN'T RECEIVED ANY RESULTS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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: COOLEY ENTERPRISES INC
State: TX

Complaint narrative:
I HAVE FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. IT HAS BEEN WELL OVER 30 DAYS AND I HAVEN'T RECEIVED ANY RESULTS

Company response to consumer: Untimely response
Consumer complaint received 2020-01-15 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This company has placed UNAUTHORIZED credit inquiries on my credit report!! 
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS and MY HIPPA RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for.

Furthermore, I did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have  documented my case without error. I encourage a response from you expeditiously. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2020-01-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I have not received a Capital One Bank Menards Big Card credit card. I have been waiting for 30 days to receive a replacement card with a new account number, but I havent received any replacement card as of yet. There is currently {$3200.00} in fraudulent charges/transactions listed on my Menards Big Card credit card. All of the charges are fraudulent and not my charges or transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/2018 I had a credit score of XXXX. There were no issues regarding a Bank of America credit card on my history. After the car purchase, my credit dropped dramatically. After looking into this, I discovered that XXXX had pulled 2 hard inquiries ( 1 without my consent through XXXX ) and suddenly I was getting hit with an issue with a Bank of America credit card. I attempted to fight them and explained I never applied for the card. My husband XXXX was the applicant. They argued with me that I was a co borrower of this card. Furthest thing from the truth. I requested proof of my signature for this card and after months of waiting they sent me a scribbled line that they claim was my signature. It was not. My signature card on file with B of A is very legible ; as it is with all my signatures. I feel that because they are a large corporation they are attempting to fraudulently place my name with my husbands battle with them. I never once purchased anything on this card. My husband is currently in conversations with settling with them on his own issues of this card. I am beyond frustrated that it never came up until last year. It has ruined my credit score. I feel helpless and will not accept something that is not mine.

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 2020-01-15 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: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to  the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2020-01-15 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: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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: AES/PHEAA
State: SC

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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: Nelnet, Inc.
State: NY

Complaint narrative:
I received an email informing me that my credit score had dropped 160 points. Last I checked I had put my student loan on a income based plan. I received no notification that I had missed any payment prior to my credit monitoring notification. They claimed I missed 3 {$59.00} payments which some how totaled to over {$280.00}, wit a {$250.00} payment pending for XX/XX/XXXX. First, I sent out a good will letter on XX/XX/XXXX. On XX/XX/XXXX I spoke to a Great Lakes represented who told me that she would put my account on hold so I wouldn't be charged again and that the interest would be deleted. I even went on my own to studentaid.gov and personally applied to the income based payment plan because I did not trust her. XXXX  that following day I received a notification from my credit report that my credit had dropped an additional 54 points. When I logged into my Great Lakes account I saw that there was no pending payment owed, but my loan had been put on forbearance for 3 months and after that I would be paying more than I originally had arranged. I did not agree to put my loan in forbearance I have been violated on multiple levels. Shortly after I logged in to Great lakes I received an email saying the I was approved for the forbearance and suggested I apply for the income based repayment plan what was the payment plant I asked to be put back on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Capital Management Services, LP
State: MN

Complaint narrative:
I am a victim of identity theft and I have been receiving death threats, threats of legal action of being sent to jail and prison, harassing, obscene, profane and abusive language from Capital Managment Services, LP in regards to a fraudulent XXXX credit card account and a debt of {$14000.00}. The XXXX credit card account and debt is fraudulent and not my account or debt.

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 2020-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WA

Complaint narrative:
On XX/XX/2018 I had a credit score of XXXX. There were no issues regarding a XXXX  XXXX XXXX credit card on my history. After the car purchase, my credit dropped dramatically. After looking into this, I discovered that Lexus had pulled 2 hard inquiries ( 1 without my consent through Toyota ) and  suddenly I was getting hit with an issue with a XXXX  XXXX XXXX credit card. I attempted to fight them and explained I never applied for the card. My husband XXXX was the applicant. They argued with me that I was a co borrower of this card. Furthest thing from the truth. I requested proof of my signature for this card and after months of waiting they sent me a scribbled line that they claim was my signature. It was not. My signature card on file with XXXX XXXX XXXX is very legible ; as it is with all my signatures. I feel that because they are a large corporation they are attempting to fraudulently place my name with my husbands battle with them. I never once purchased anything on this card. My husband is currently in conversations with settling with them on his own issues of this card. I am beyond frustrated that it never came up until last year. It has ruined my credit score. I feel helpless and will not accept something that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
On XX/XX/2018 I had a credit score of XXXX. There were no issues regarding a XXXX  XXXX XXXX credit card on my history. After the car purchase, my credit dropped dramatically. After looking into this, I discovered that XXXX had pulled 2 hard inquiries ( 1 without my consent through XXXX ) and suddenly I was getting hit with an issue with a XXXX  XXXX XXXX credit card. I attempted to fight them and explained I never applied for the card. My husband XXXX was the applicant. They argued with me that I was a co borrower of this card. Furthest thing from the truth. I requested proof of my signature for this card and after months of waiting they sent me a scribbled line that they claim was my signature. It was not. My signature card on file with XXXX XXXX XXXX is very legible ; as it is with all my signatures. I feel that because they are a large corporation they are attempting to fraudulently place my name with my husbands battle with them. I never once purchased anything on this card. My husband is currently in conversations with settling with them on his own issues of this card. I am beyond frustrated that it never came up until last year. It has ruined my credit score. I feel helpless and will not accept something that is not mine.

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 2020-01-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I did not get this loan somebody used my social security number and got this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I was an authorized user on my father 's target credit card. He passed away. I never gave my permission and did not know I was authorized for this card. I never used the card. 

Target credit card has told me I am responsible for my late father 's debt on two separate phone calls. This is false and illegal to tell me that I'm responsible when in fact I am not. They have added derogatory information on my credit report that took my score from XXXX to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-15 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 two credit card accounts on my credit report that were not mine. The two accounts were opened in 2017. My info was breach by equifax. I have filed several disputes, just to get told they would not be removed. I was told disputing would not hurt my score. Right after dispute my credit dropped 56 points. No changes from previous score except I filed a dispute. I have called creditors and told I could pay to have it deleted if I paid 90 % of the balance. I was told it was better to pay because Id wind up paying more in interest for things like buying a car etc. I was told and it is stated by each bureau that a dispute does not hurt your score. Why did my score instantly drop 56 points. You call reporting bureaus they tell you a credit repair agency can help. They cost 10 times more than the accounts that are not yours. They ask for paperwork ... I dont have paperwork ... I didnt open the accounts. I went to file police report ... couldnt prove it was a crime. What the XXXX! They put things on your credit report so you are convinced to pay for a deletion or pay for the credit repair services that adds up to more than the accounts on report. This is bull XXXX. Im having and forced to pay extremely high interest rates, refused loans to take care of emergencies. Insane credit card interest rates just to build positive credit. The two accounts in collections are not mine!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: American Elite Recovery, LLC
State: TX

Complaint narrative:
American elite recovery called me numerous of times to collect a debt from the XXXX XXXX of {$570.00}. They also called my father telling him his daughter was going to be arrested at work. So I paid the XXXX on XX/XX/2019 and its still on my credit when they stated they took it off now I get the run around and they dont even have a website. File number was XXXX account XXXX their number is XXXX

Company response to consumer: Untimely response
Consumer complaint received 2020-01-15 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This company has placed UNAUTHORIZED credit inquiries on my credit report!! 
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS and MY HIPPA RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for.

Furthermore, I did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-15 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 was an authorized user on my father 's XXXX  credit card. He passed away. I never gave my permission and did not know I was authorized for this card. I never used the card. 

XXXX  credit card has told me I am responsible for my late father 's debt on two separate phone calls. This is false and illegal to tell me that I'm responsible when in fact I am not. They have added derogatory information on my credit report that took my score from XXXX to 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 2020-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I called XXXX and left a detailed message for her to return my call on Wednesday, XX/XX/2020. I have now given her a week to return my call, and I have not heard from anyone. The letter claims that my account was fixed on XXXX, which is a lie and I have pages of documented evidence showing that my balances for posted items changes everyday, making it impossible to audit my account. The letter claims that it never effected my availablebalance. Just now on XX/XX/2020 I received an email that my balance was below {$100.00} at {$39.00}, which did not match my checkbook register of {$42.00}. Then when I pull up my bank account to see if I missed entering a transaction, I see that the bank claims my available balance is {$270.00}. I have enclosed documentation for these items.Ever since online banking became available, I have made every decision based on my available balance. I found myself many days spending money they claimed was there, only to discover it was not there. I have lived under extreme stress and confusion for nearly 2 decades. There were times when I did keep a checkbook register and when my balance did not match the online banking I would adjust it because I believed a computer. This led to at least half of my overdrafts if not more. I was spending money I was told I had, but actually did not. I have spent that last year carefully watching my records and keeping a detailed register only to discover that my available balance is not accurate most days. I no longer trust that balance. Capital One continues to send me letters that has nothing to do with my situation, or like this most recent one it is filled with lies. They aren't returning messages. I want my overdrafts refunded, as they have been deceiving me and who knows how many other customers. They have yet to provide documentation. I was promised a full audit, that if it ever happened was not given any information on. A company who can not or will not prove that they have not been committing fraud is one knows they have done exactly what my documentation shows but refuses to acknowledge it. My husband and I are switching banks, but we are waiting for restitution. This is not going away, as I continue to document every deception on a regular basis. My evidence is irrefutable.

Company response to consumer: Closed with explanation