vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I was a victim of identity theft and fraud and reported there were unauthorized transactions on my XXXX XXXX credit card. The experience with XXXX XXXX to resolve the issue has been unnecessarily confusing, the website reporting one card closed and another card open. I am not able to access the website as it failing to open pages including other issues. XXXX XXXX has failed to readjust the balance properly and failed to modify the minimum payments as I have overpaid minimum payments for the last several months. They have my account in past due status and I was told they would readjust the balance and change the minimum due amount since I overpaid due to fraudulent charges on my account. The website login page is preventing me from doing anything on it as well. Customer service seems to not understand any of my request and at this point I am left to filing a complaint with the CFPB. Additionally, I was sent out 2 cards and do not know which is valid or not valid. This process has been sloppy and not being handled in good faith.

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 2018-02-20 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: CITIBANK, N.A.
State: UT

Complaint narrative:
XXXX XXXX has failed to send out fraud forms and readjust the balance on my account including the minimum amount due due to fraud charged on my credit card. Additionally they have reported to the credit bureaus that I am 30 days late on a payment, I have lost the card 2 months ago and I have not been able to log into the account online due to it being blocked.

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 2018-02-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have contacted Experian over six times since XXXX requesting proof of how a Bankruptcy on my credit report was " verified ''. Each time the company responds that the bankruptcy was verified but never validates the account. I have requested information on when, how and where the account is validated. There latest response dated XX/XX/XXXX is they will not investigate the bankruptcy again. However, I have not requested investigation. I want proof of how it was validated/verified. Experian can not seem to produce that information and have incorrect information showing on my credit report. 

I have yet to get it per FCRA Section 611 Experian has violated my rights. 

This is reason enough to sue for willful non-compliance under section FCRA 616.

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 2018-02-20 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: WA

Complaint narrative:
Nissan decided to run hard inquiries on my credit report for 3 consecutive days, totaling close to 17 hard inquiry hits on my report, causing my report to decline drastically. By almost a 100 points. I never gave them written permission to run my report. I only gave them written permission to run my credit one time through the Nissan Website that I already had 5.9 % financing through. Then I bought the car for XXXX $ US dollars, and 8 months later they claim it is only worth XXXX $ even though the car was brand new under factory warranty. Which they don't warranty nothing. They are price fixing, gouging, and currently breaking Anti-trust Federal Regulations. I will be suing them in court to have this removed from my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 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: CITIBANK, N.A.
State: UT

Complaint narrative:
Citi Best Buy has failed to readjust the minimum amount since the previous months minimum amounts were due to fraud charges taken my balance higher than it should of been. They have failed to readjust the minimum amount and give a credit for the amounts overpaid the last few months. Additionally my online access is blocked partially. I have repeatedly talked them about these matters with no resolution as of yet. Still waiting on the new card as well.

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 2018-02-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: ME

Complaint narrative:
My mom purchased our home in XXXX, she was on mortgage only and I was on the deed. 
The company that got the mortgage for us put her in a horrible loan, we tried to modify or refinance but they would not let us.. In XX/XX/XXXXmy mother passed I continued to make payments on house until XX/XX/XXXXthe mortgage went from {$1700.00} a month to {$2200.00} being a single mom with XXXX kids I could not afford a {$500.00} increase, Again I tried to modify loan on my own but being self employed I dont show I make enough to support the loan, even though Ive been paying the mortgage for the full 10 years out of my checking account. 
When my mother passed I sent the mortgage servicing agent her death certificate at the time at that time it was XXXX XXXX servicing agent, the mortgage got sold again and the new company Rushmore refused to talk to me about anything because they thought my mom was alive still. The house is now going to auction on XX/XX/XXXX and even though I sent them her death certificate and a letter stating my Husband wants to by house or assume mortgage they still wont contact us or even talk to me. Im also concerned that all the steps in the foreclosure were not met, I  was told they need to have the original note from original bank, which was XXXX XXXX XXXX  of XXXX at the time, in all the foreclosure papers the bank that owns the loan now is XXXX XXXX XXXX XXXX. 

I was recently married and my husband is preapproved for the mortgage. 
During this whole process Ive contacted the lawyer involved in forcloser numerous times and so has my realtor. Not once have we received a return call. I didnt go to the forcloser hearing because I felt they would not help me or listen to me. I would really appreciate any advise you might have for me and how I can keep my house, like I said I have have XXXX children XXXX still living at home and run a XXXX out of home.. 

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 2018-02-20 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: AL

Complaint narrative:
On today. XX/XX/2018 I ordered copies of my credit reports and found horrific information incorrect phone number and fraudulent accounts I attached document to show the fraudulent accounts

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 2018-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Account Recovery Services, Inc.
State: AZ

Complaint narrative:
I contacted account recovery services to pay a medical bill that had gone into collections. When I asked to pay the debt in full, I received a nasty response by XXXX XXXX. Instead of taking the payment and giving me a reference number she was very confrontational and would talk above me. I gave her my debit card information and asked when this modification would be revised on my credit report. She told me it would not change anything. I confronted her about her rudeness only to be told she had something I would never have, " a good credit report. '' This transaction took place on or around XX/XX/17 and have a bank statement as well as a recorded conversation when her behavior became escalative.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 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: AL

Complaint narrative:
On today. XX/XX/2018 I ordered copies of my credit reports and found horrific information incorrect phone number and fraudulent accounts I attached document to show the fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 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: AL

Complaint narrative:
On today. XX/XX/2018 I ordered copies of my credit reports and found horrific information incorrect phone number and fraudulent accounts I attached document to show the fraudulent accounts

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 2018-02-20 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: WA

Complaint narrative:
XXXX decided to run hard inquiries on my credit report for 3 consecutive days, totaling close to 17 hard inquiry hits on my report, causing my report to decline drastically. By almost a 100 points. I never gave them written permission to run my report. I only gave them written permission to run my credit one time through the XXXX Website that I already had 5.9 % financing through. Then I bought the car for XXXX $ US dollars, and 8 months later they claim it is only worth XXXX $ even though the car was brand new under factory warranty. Which they don't warranty nothing. They are price fixing, gouging, and currently breaking Anti-trust Federal Regulations. I will be suing them in court to have this removed from my credit score.

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 2018-02-20 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: WA

Complaint narrative:
XXXX decided to run hard inquiries on my credit report for 3 consecutive days, totaling close to 17 hard inquiry hits on my report, causing my report to decline drastically. By almost a 100 points. I never gave them written permission to run my report. I only gave them written permission to run my credit one time through the XXXX Website that I already had 5.9 % financing through. Then I bought the car for XXXX $ US dollars, and 8 months later they claim it is only worth XXXX $ even though the car was brand new under factory warranty. Which they don't warranty nothing. They are price fixing, gouging, and currently breaking Anti-trust Federal Regulations. I will be suing them in court to have this removed from my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 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: WA

Complaint narrative:
XXXX decided to run hard inquiries on my credit report for 3 consecutive days, totaling close to 17 hard inquiry hits on my report, causing my report to decline drastically. By almost a 100 points. I never gave them written permission to run my report. I only gave them written permission to run my credit one time through the XXXX Website that I already had 5.9 % financing through. Then I bought the car for XXXX $ US dollars, and 8 months later they claim it is only worth XXXX $ even though the car was brand new under factory warranty. Which they don't warranty nothing. They are price fixing, gouging, and currently breaking Anti-trust Federal Regulations. I will be suing them in court to have this removed from my credit score.

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 2018-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
On today XX/XX/2018 I ordered copies of my credit report and was horrified at the fraudulent accounts that are on there. Capital one which is showing two accounts and a XXXX XXXX showing two accounts for a XXXX XXXX   and a XXXX XXXX. I ordered my XXXX XXXX report like FTC told me to and capital one is on there for a 360 checking account which is not mine and it is negative

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I notice that Experian credit bureau is reporting inaccurate personal and public information on my credit report. I have sent several notices requesting them ( Experian ) to validate this inaccurate information, where it came from, who's their point of contact, and what document proof they have to support this inaccurate information that they're reporting on my credit report. Experian has not been able to or just flat out refuses to send me any supporting documents that validates this inaccurate information that they're falsely reporting that is a valuation to my rights. I have sent supporting document to Experian from the reporting agencies that Experian claimed verified this inaccurate public information stating they did not and do not verify and personal or public information nor do they report any information to the credit bureaus.

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 2018-02-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
Ordered credit report today XX/XX/2018 noticed  fraudulent accounts under an old address of mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
In XX/XX/XXXX, I was struggling to make payments on my auto loan with Ally Financial for a XXXX XXXX XXXX because of the government shutdown. I transitioned to the XXXX XXXX in Maryland and was attending the XXXX XXXX. In XX/XX/XXXX, when I received my first check from the XXXX XXXX I contacted Ally Financial and made a payment over the phone in the amount of {$1200.00} ( my entire check ) under the pretense that the vehicle would be caught up and there was no danger of repossession. Ally Financial told me that they would immediately contact the company that had been assigned to repossess the car and stop repossession immediately. When I arrived at home, the repossession company was in the driveway. I informed the repossession company that the payment in full had been made and that he should have received a call to halt the repossession. However, the driver repossessed the vehicle and took it to their storage facility. By the time, Ally Financial made the call, several days worth of storage charges had accrued and I simply did not have anything left to give until I received my next pay check. When I did receive that pay, Ally advised me that the only way that I could get the vehicle back was to pay half of the remaining balance ( which at the time was approximately {$8000.00} ) plus all accrued storage fees which would have been more then {$5000.00}. I did not have any choice at the time but to let the car go to auction. I was advised that if the vehicle sold for more than was owed, I would be given the difference which made me believe that if the vehicle was auctioned my debt to Ally would be paid in full. When I attempted several weeks later to find out what the vehicle had sold for and if I could expect a refund, Ally stated that they were unable to provide any information. Based on recent conversation with Ally Financial the balance remaining is {$11000.00}. I initiated conversation in an attempt to repair my credit, but they are only interested in getting their money. I am currently serving under XXXX XXXX XXXX XXXX orders and undergoing medical treatment. The financial advisor at the XXXX XXXX XXXX XXXX XXXX suggested I reach out to  you for help resolving this. I feel as though Ally Financial lied about their intentions to help me redeem this vehicle to get money from me and was unwilling to keep their verbal agreement once the vehicle was picked up by the repossession company. My credit has been seriously impacted by this repossession and it continues to affect my personally and professionally.

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 2018-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
TD Finance continues to call for a XXXX XXXX that no longer has this phone number. I obtained this phone number several months ago. I have asked politely that this number be removed from their calling list as this individual no longer has this number. 
I have requested twice that TD Finance discontinue calling this number for XXXX XXXX. But I received another call on XX/XX/XXXX, XXXX XXXX, from TD Auto Finance : XXXX. 
I attempted to call but unable to obtain customer service because I am not a customer with this organization. I have twice requested they cease already. 
I feel I have been patient but now consider these calls annoying and harassing and for no reason because TD Finance refuses my request. They are calling an incorrect number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-20 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: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Please see uploaded documents. Select Portfolio Services ( SPS ) is giving false information to XXXX  by reporting an account in my credit report as derogatory that is older than 7 years from the date that it FIRST and ONLY time became delinquent ( XX/XX/XXXX ) Please see uploaded supporting documentation. Motion presented BY SPS on XX/XX/XXXX to US Bankruptcy Court of PR case XXXX. Here SPS clearly told the court that the mortgage debt was 71 payments in arrears from XX/XX/XXXX. Therefore 71 months minus XXXX XXXX will give you a date of delinquency of XXXX XXXX, not XX/XX/XXXX as SPS had FALSELY stated to XXXX. Therefore SPS has to remove this account from ALL credit reports and STOP PERMANENTLY from further reporting this account as derogatory on ALL credit report agencies. SPS is in violation of 15USC section 605 ( 4 ). Please order SPS to remove this account from Experian.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 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: WA

Complaint narrative:
XXXX XXXX XXXX ran hard inquiries on my report without my written consent. I never agreed to them hitting my credit report with 13 lenders over the course of 3 days total. I gave them permission to look at the deal and come up with numbers. I never gave permission to hurt my credit score by 13 different hard inquiries. I would have never done business with any of their crooked lenders, because they are all in direct violation of Anti-Trust violations.

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 2018-02-20 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: WA

Complaint narrative:
XXXX XXXX XXXX ran hard inquiries on my report without my written consent. I never agreed to them hitting my credit report with 13 lenders over the course of 3 days total. I gave them permission to look at the deal and come up with numbers. I never gave permission to hurt my credit score by 13 different hard inquiries. I would have never done business with any of their crooked lenders, because they are all in direct violation of Anti-Trust violations.

Company response to consumer: Closed with explanation