vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-15 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I have an auto loan with XXXX XXXX XXXX XXXX, my payment is due on the XXXX of each month. The branch office is located in XXXX, MD, so I have to make my payment at a shared branch location because I live in another state. On XX/XX/XXXX, I went to a shared branch, the associate at the shared branch advised me to pay {$360.00}. Later that evening I called XXXX to confirm receipt of the payment, the representative told me that payment was short by {$.00}. I explained to her that the associate at the shared branch advises me to pay {$360.00} and questioned why she failed to mention the {$.00}. She had no idea. The rep told me that the best thing for me to do would be to go to an ATM and deposit some money into the savings account that I have and they would transfer the. {$86.00} to my auto loan. I drove to 4 different ATMs that night and for some reason I couldn't make a deposit. I only had the option to withdraw or transfer funds. I called back to let the representative know what I was experiencing but they were now closed. I called back the next morning when they opened and the representative that answered told me that my account was now in collections because I owed {$.00} for the XX/XX/XXXX payment and now because it was XX/XX/XXXX my account will reflect 30 days late on my credit report. I couldn't believe it, for less than {$1.00}. I explained to her that I was given wrong information at the shared branch and I wouldn't have shorted my payment by {$.00}. I also explained that another representative told me to deposit money at an ATM. She advised me that the representative gave me wrong information again. That I can not deposit money through the ATM, I can only deposit money at a XXXX branch in XXXX. The representatives provided me with incorrect information and did not give me a proper solution resulting in a 30 day delinquency on my credit report. I would like XXXX to remove the 30 day delinquency status from the credit report and provide their agents with feedback and education.

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 2019-10-15 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: GA

Complaint narrative:
XXXX has a bankruptcy listed on my credit report that was deleted and then added back on. I called the courthouse. They stated that they don't have anything in the system and that they don't report to credit bureaus. They said that a third party does and that I needed to dispute or file a police report which I have. This needs to be removed again permanently. I have retained an attorney. I have also disputed this multiple times. My attorney states that we can sue the credit bureau and win due to all of my documentation and XXXX refusal to remove it. 

Also, all of the bureaus have multiple inquiries on my report that I did not authorize. They are as follows : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ( XXXX ), XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX should not be reporting 3 times, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. 

Please remove these asap.

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 2019-10-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX has a bankruptcy listed on my credit report that was deleted and then added back on. I called the courthouse. They stated that they don't have anything in the system and that they don't report to credit bureaus. They said that a third party does and that I needed to dispute or file a police report which I have. This needs to be removed again permanently. I have retained an attorney. I have also disputed this multiple times. My attorney states that we can sue the credit bureau and win due to all of my documentation and XXXX refusal to remove it. 

Also, all of the bureaus have multiple inquiries on my report that I did not authorize. They are as follows : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ( XXXX ), XXXX XXXX, XXXX, XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX should not be reporting 3 times, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. 

Please remove these asap.

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 2019-10-15 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I had a credit card with Navy Federal Credit Union. My credit card went bad because I was financially unable to maintain the payments. Due to me being a XXXX veterans I was limited as to what I could do for employment. I was employed as a XXXX XXXX but had many limitations. Due to my XXXX I wasn't able to do the XXXX XXXX XXXX therefore I ended up losing my job. This caused my inability to continue making my scheduled payments. In the beginning NFCU tried working with me eventually closing the credit card. In 2017 NFCU charged off the account. I have no disputes with their protocol. After the charge off NFCU continued to call me daily and harass me about paying the credit card. I asked them to stop with the calls but they continued to call with harassment. I sought legal aid in which they sued NFCU winning a judgement against NFCU for violation of Penal Code 653m. Almost 2 1/2 years later NFCU changed my credit report status from charge off to FP ( failure to pay ). NFCU did this out of spite to negatively impact my credit score, harass me into paying, tarnish my character and to negatively effect my credit worthiness. They waited 2 1/2 years after the charge off was completed to assult my credit and character. I strongly believe all of this was done by NFCU as a form of retaliation against me. I have the proof to support my accusations and claim against NFCU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I have received phone calls 4 times in the past 5 business days from Chase Bank asking me to consolidate my credit card debt. The dates of the calls were Weds XX/XX/XXXX, Friday XX/XX/XXXX, Monday XX/XX/XXXX, and today Tuesday XX/XX/XXXX. I do not have any credit card debt to consolidate, so I have told them to take me off of their calling list. They keep persisting and the phone numbers show up as local cell phone numbers. I have a lot of my customers of my employer that call me so I should answer unknown numbers. 

Today after I asked to be taken off their calling list, the man started swearing at me and calling unthinkable names over and over. I was appalled and never think anyone should be treated like that. They certainly won't take me off their list and I can't stop answering local cell phone numbers. This was so hurtful and I hope they get reprimanded for this type of activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT THE ACCOUNTS MENTIONED DO NOT RELATE TO ANY TRANSACTIONS I HAVE MADE IT IS A RESULT OF IDENTITY THEFT.

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 2019-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Requested that the credit reporting company provide written validation document that the XXXX Account # XXXX reported on my account. Transunion has failed to provide written debt validation documentation.

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 2019-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I FILLED OUT COMPLAINT WITH FTC,,, I ASKED FOR THIS TO BE REMOVED, STILL NOTHING,,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WSFS FINANCIAL CORPORATION
State: FL

Complaint narrative:
My HELOC loan with Wilmington Savings Fund Society was paid off on XX/XX/2019 by wire transfer to them in the amount of {$190000.00}. The loan reflects " paid '' on my credit report.

WSFS ( Lender ) has refused to return to me the overpayment of loan payoff in the amount of {$480.00}. Additionally, lender has not sent to me the satisfaction of mortgage which I need in order to clear the mortgage from the public records. 

Multiple attempts to speak with the lender about this have resulted in malaise and unconcern. Each time I called, including earlier today, I have been told " that department is behind. They'll get this taken care of by the end of next week. ''

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 2019-10-15 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: HSBC NORTH AMERICA HOLDINGS INC.
State: NV

Complaint narrative:
I have pulled a copy of my XXXX credit report only to find multiple inquiries that I did not authorize. I have disputed the inquires only for XXXX to respond with a verified letter and to contact the creditor. I do not know how XXXX verified anything when I could not get any information regarding the unauthorized inquiry. I asked for a signed application bearing my signature and no one can produce one nor can they see where I applied. The name of the inquiry in question is HSBC. I shows two different dates of XX/XX/17 and XX/XX/17. I should not have to keep going back and forth with XXXX regarding unauthorized inquires. This is affecting my score and bring my score down. I have started shopping for a home and these inquiries are damaging. Remove them immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
There are multiple inquiries on my credit report that I did not authorize. I have attached my driver 's license and my identity theft affidavit to this complaint. The following inquiries that need to be removed are below : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ( XXXX ), XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX should not be reporting 3 times, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Valentine and Kebartas, Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX. I received a phone call this evening at XXXX from what showed up on the callerID as " XXXX , PA ( XXXX ) XXXX. '' This came up as XXXX XXXX ( e.g. XXXX or XXXX XXXX ) type. The person on the other end, when asked, stated that her name is XXXX****. Due to a persistent hearing issue I have, I could not clearly catch her name, even after asking twice for it. I then was told that the company calling me is Valentine Kebartas Inc., located at XXXX XXXX XXXX, XXXX . XXXX, XXXX, MA XXXX, and that the phone number of the company is ( XXXX ) XXXX ( ext. XXXX??? ) and this was in an attempt to collect a debt. Because I had never heard of the company and that the call came from a type associated with most scams, I stated that I would not confirm my name unless I knew the name of the client attempting to collect such a debt. The woman claimed that the company have several clients and would not provide any further information for said debt. After I stated that without the name of client, I have nothing to confirm, she then stated that the company will continue to call me nonstop.

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 2019-10-15 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: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
I have pulled a copy of my XXXX credit report only to find multiple inquiries that I did not authorize. I have disputed the inquires only for XXXX to respond with a verified letter and to contact the creditor. I do not know how XXXX verified anything when I could not get any information regarding the unauthorized inquiry. I asked for a signed application bearing my signature and no one can produce one nor can they see where I applied. The name of the inquiry in question is BARCLAY. I shows two different dates of XX/XX/19. I should not have to keep going back and forth with XXXX regarding unauthorized inquires. This is affecting my score and bring my score down. I have started shopping for a home and these inquiries are damaging. Remove them immediately!

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 2019-10-15 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Capital Solutions, LLC
State: OK

Complaint narrative:
In 2011 the Dept of education investigated my complaints XXXX and XXXX against the schools who fraudulently setup loans knowing I never qualified for them and then altered them keeping the money causing me to be evicted and XXXX THREE times. XXXX sent me the closing of those loans and the dept of education is still trying to collect plus charges on loans that were closed. XXXX was in the XXXX XXXX dept when this all happened. I am tired of fighting a situation that is closed because the dept of education can't get their act together a keeps reopening closed loans. Are you people so disorganized that you try to collect illegal loans from poor people like me after the schools ruined my entire life?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
Fay Servicing took over my XXXX XXXX mortgage account in XX/XX/XXXX. I filled out loan modification paperwork through XXXX XXXX and faxed it in before the deadline. However ; there was a transfer and XXXX XXXX transferred my loan modification paperwork to Fay Servicing. 

Now that my account is with Fay Servicing ... Fay Servicing lied throughout the whole process ; from stating they never received my paperwork [ during the initial stage - a Fay Servicing Rep confirmed receiving my paperwork ], as well as stating that the Fay Servicing account manager assigned to my account - has not had the time to look over my paperwork [ I spoke with her once and mistakenly gave her a good rating via the survey-but she actually lied too ; and stated she never had my loan modification paperwork, and that a new servicer will be taking over soon ; and that she does not see a foreclosure sale date, while also informing me to contact the Sheriffs office to look further into ] ; To [ Fay Servicing reps ] also constantly denying a foreclosure sale date when it was very much recorded on the Sheriffs foreclosure sale date list ; while additionally ; the Sheriffs office confirming that there is such a sale date. 

There had also been dual tracking, also the supervisor not willing to resolve, and making comments such as ; its a long time [ implying the need to foreclose ], you shouldnt point fingers [ at Fay Servicing ]. 

When they were no longer handling the acct ; XX/XX/19 ; Fay Servicing then mentioned that the company now sees a foreclosure sale date. How convenient - when they are no longer handing my account. 

What transpired also on Friday XX/XX/19 ; they wanted me to fill out their company loan modification paperwork. Fay Servicing stated on XX/XX/19 ; that my loan modification paperwork had been found ; that there had been missing info on the 4506T. Ok-nonetheless ; I could have rectified that issue by simply faxing it back to them. But no-they did not want the XXXX XXXX loan modification paperwork. They wanted their very own loan modification form to be completed. 

Speaking of their forms ; on the form it was noted to schedule an in-house inspection. I never heard of that. 

Usually ; from what I gathered ; the exterior is looked at. 

Moreover ; Fay Servicings modification form could only be filled out if there had not been a sale date within/before 37 days. There was definitely a foreclosure sale date within/before the 37 days ; [ that Fay Servicing vehemently denied until XX/XX/19 ]. 

On XX/XX/19 ; XXXX XXXX XXXX took over. 

So far-XXXX XXXX XXXX ... just as bad ... .On XX/XX/19 ; they did not see a foreclosure sale date ; transferring me to their lender [ how many lenders are there ] that verbally stated - he could not help me ; due to my circumstances. 

Therefore prompting me to fill out an adjournment at the Sheriffs office ; while going through the process of seeking an Attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
I received an offer in the mail to open a checking account at Citizens Bank here in XXXX, Delaware. I went to the XXXX XXXX location and a gentleman by the man of XXXX ( last name ) opened the account. I was told that I would receive {$300.00} for switching my direct deposit to this bank. I went in on several occassions and even took my complaint to the Branch Manager where Mr. XXXX works. The Manager called me with some ridiculous response that if will be 90 days etc. I had been patient with this bank and felt I was getting the run around. So after being fed up I went in and terminated the relationship. The bank has been robo calling me that I owe them money! I can't believe that an credible institution which I thought Citizens Bank were would succumb to this level of dishonesty. I'm asking that I be given the {$300.00} promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: OH

Complaint narrative:
I originally owed my utility services a balance for a gas bill. I made payment arrangements with them, and paid the balance in full XX/XX/XXXX. I have no contract with this company, and Im unaware of why theyre reporting on my credit report. I tried contacting them XX/XX/XXXX to resolve this matter with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: ALLIANT CREDIT UNION
State: FL

Complaint narrative:
My credit card account was closed by Alliant Credit Union, the reason being for using the card for business activities. There hasn't been anything on the card that remotely qualify as business activity, and in fact I barely put any charge on there. Also I was just recently charged an annual fee when the bank decided to close my account after I paid, seems very sketchy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
In XX/XX/XXXX, I purchased a XXXX XXXX XXXX. I have been paying & XXXX per month for 8 year on the vehicle totaling ( {$66000.00} plus interest ) through a lender called Santander. 
Dispute requesting assistance from this company to lower my high interest rate so that I could afford to make these payments, the company refused my offer for assistance. 
I was forced to surrender the vehicle in XX/XX/XXXX. Santander states that I still owe them {$13000.00} more dollars and have place a collection on my credit account which has negatively affected my credit score and future opportunities to acquire credit.

Company response to consumer: Closed with explanation