vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I attempted to apply for employment and was denied due to 2 Chapter XXXX Bankruptcies that is somehow reporting on my credit report that should not be as I have never filed a Chapter XXXX Bankruptcy. 

Chapter XXXX bankruptcy - Dated Filed XX/XX/XXXX Chapter XXXX bankruptcy - Date Filed XX/XX/XXXX I have 2 Chapter XXXX Bankruptcy 's that is appearing on my credit report. I have never filed a Chapter XXXX Bankruptcy. I went to the US Bankruptcy Court House at XXXX XXXX XXXX XXXX # XXXX XXXX, IL XXXX and spoke to a clerk and she indicated that she didn't see a bankruptcy and they wouldn't have reported a bankruptcy to the credit bureaus. I have send 4 letters to all 2 bureaus ( XXXX and Equifax ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and they have not still responded to my letters as to where they got this information from and why they reported some inaccurate information. Please assist me in this manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The following companies ran unauthorized credit inquiry on my credit report. Please remove the following inquiries because these are suspicious. XXXX XXXX XXXX XXXX,		XXXX XXXX XXXX and	                  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In the past when I financed an Auto Loan, Full Coverage was mandatory. Now that there are online options, this is no longer a requirement. Unfortunately I learned that I did not have full coverage after the car was totalled and filed the claim that Capitol One does not work with online Insurance providers ( XXXX in this case ) to ensure that when a customer applies for online insurance, they are not required to have full coverage anymore, even though the Auto Loan is financed. 

This was never the case and I have owned and / or leased 5 cars and we could not even fathom driving an Auto that was financed and not be fully covered. 

Hence this was rude awakening and I am payting the XXXX on the car, that is totalled, sitting in my garage. 

I am writing to ask that you look into this to ensure that other customers are forced to have Full Coverage, even when applying for insurance onlines. And that Auto Lenders are also required to protect the consumers by ensuring their VIN numbers are flagged.

Capitol One does not have a meaning full check in place to ensure they are covered and their consumer is protected. XXXX completely makes out because they do not have pay for damages. Capitol One claims that the check they have in place is to send a letter. They sent a letter and my address was input incorrectly so I never received the letter. And there was not another follow up so Big Banks and Insurance Companies win, Consumer does not get meaningful protection. 

So I have a totalled car sitting in my garage that I owe $ XXXX on. XXXX wins, they do not have to pay the damages. Capitol One wins, I am still forced to make payments and I know from experience, working at XXXX, XXXX, XXXX XXXX, XXXX, the goal is sales and the User Experience flows are not tested and this appears to be deceptive on purpose. XXXX could fix this and Capitol One should demand it. 

Consumer loses, they were not protected at the onset and didn't understand that full coverage was not required for an Auto Loan and assumed they were covered. I have had 5 auto loans and it was impossible to obtain insurance, when financing, other than full coverage. The new Digital Experiences find work arounds and hence, I would like this to never happen to another person. 



XXXX online website should be tested and user flows verified for many scenarios : Adding new insurance on a car that is financed should require Collision insurance. The Vin # should be flagged and if a customer tries to add insurance and does not select collision, the customer should not be able to proceed to obtain coverage. I had a Capitol One Auto loan and my daughter set up the insurance. I thought she had collision, because in my previous purchases of Automobiles with Outstanding loans Collision was MANDATORY. XXXX has found a way around with the gap in the online policy purchases

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have an autopay set up to draw the amount equivalent to a statement balance on a Citibank credit card from a connected checking account at XXXX. On the due date (XX/XX/2019) Citibank attempted to draw the balance from the connected checking account at XXXX. However, there were not sufficient funds in the checking account and the payment did not go through. I made a "manual" payment, in excess of the statement balance, and Citibank accepted it on XX/XX/XXXX.Despite accepting the manual payment, Citibank continued to attempt to draw the statement balance from the XXXX account two more times, on XX/XX/XXXX and XX/XX/XXXX, which resulted in additional overdraft charges applied to my XXXX account.In this situation, Citibank is a lender who returns again and again to demand money even *after* having been paid back. This activity results in exposing the customer to repeated overdraft charges from another bank. Citibank officers claim that "this is just how our system works," and that they "cannot reimburse overdraft charges from another bank." They also claim that their system does not recognize when the account is in the black—the bank just blindly makes three attempts at autopay regardless of any intervening payments even if the customer has already paid *more* than he or she owes.

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 2019-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Receivable Management Services LLC
State: SC

Complaint narrative:
Never received a written letter from the debt collection company about the account in collections. It just popped up on my report on day. Then I get calls almost everyday. From this company.

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 2019-08-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
Recently Mr.Cooper.com has unilateraly increased monthly mortgage ( $ XXXX/Mo ) to $ XXXX/Mo, without cause. They have also instituted a monthly " penalty fee ''. My Modified loan is at 3 %, 30 year mortgage, that was serviced by XXXX XXXX. When Mr.Cooper.com took over this mortgage, and became also a " collection agent '' for XXXX, they decided to increase the monthly mortgage payment to an amount beyond our ability pay, given in my family of 3, over the past 3 years, we have faced 2 life threatening medical issue of XXXX ( wife ) and XXXX XXXX ( XXXX ) financial hardship as well as increased anxiety due to systematic harrasment by XXXX, their attorneys and now " Agents '' Mr.Cooper.com and XXXX. 

Mr.Cooper 's website for " contact us '' refused to take my written request. Previously their phone assistant was unable to address this issue by phone, after a very time consuming phone call process they have in existence

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FACTUAL DATA CORP.
State: CO

Complaint narrative:
My credit was pulled by an unknown source without conset.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I just received a text from Wells Fargo. Saying that I have a negative XXXX  balance on my account. My last posted balance did not get updated after I had made 3 deposits. When I view my transactions, the money for the pending transactions have already been taken out. I deposited a certain amount of money on the XX/XX/XXXX of XX/XX/XXXX, bringing my balance to over XXXX. Because my canoe was due to be taken on theXX/XX/XXXX ofXX/XX/XXXX which would have been XXXX. Which would've left me with a low balance. Not a negative. I had deliberately put that money in my account, because I didn't want a negative balance. I deposit what I need, in order to not go into a negative. Wells Fargo had already taken the other pending transactions out of my account before I had made the other deposits. I had tried to take a screenshot when it was updated. But the security Wells Fargo has on their site does not allow me to take a screenshot. This has happened several times before, and the exercise I was given was their system updates that way, and they can't view what I can't view. So anything I see, is what they see and that's what they go off of and can't do anything about it. Per pending transactions, money is being taken out twice. If the pending transactions have already been taken out of my balance, why keep changing the date of the pending transactions? They don't update the deposits to your current balance. I'm ready to switch Banks is this issue doesn't get solved.

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 2019-08-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: IN

Complaint narrative:
XXXX said that I owe them XXXX dollars, and that is no way possible and diversified has not validated that debt is mine. They has the wrong person i have never ever had a XXXX   account ever in my life. They have the wrong person, and the spelling wrong because this is not my account. So they need to delete this immediately from my account. It just pop up on my account in XX/XX/XXXXsorry they have the wrong XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TRANSWORLD SYSTEMS INC
State: IN

Complaint narrative:
I originated this private student loan in XXXX in the amount of XXXX. I was deferred until graduation ( XXXX ) and then entered into a lowered payment agreement. Since XX/XX/XXXX, I have been paying the normal payment. 3 months ago, I noticed that my principal balance has increased. So I contacted customer service and was told that my payments had been going to interest-bearing fees. Because I get electronic statements, I was only able to pull statements back to XXXX. The agent said they would send it to an account specialist and get back to me.

6 weeks later, I still had no word, so I called again. The agent this time pulled my account overview and sent it to me. Based on this report, since XXXX, it shows that my payments have been distributed to 'interest ' and 'fees '. No one can tell me what the fees are. Again, I was told it would be sent to an acount specialist but have heard nothing. 
I called again yesterday, and was read the exact same thing that was on the report, that my payments have been going to interest and fees. Again, it would be escalated. 
Today I received an email that the payments have been going to interest and fees with no further explanation. 
The account overview from last month shows that I have paid {$19000.00} on the loan amount of XXXX ( XXXX principal plus origination fees ). {$10000.00} went to interest and {$9500.00} went to interest-bearing fees. My balance details were unknown. 
The statement that I received this week shows my balance as XXXX, so it looks as though they are now distributing the money toward my principal since my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This is about credit reporting itself. 
I object to the credit inquiries factor on my credit report in the modern era. Times have changed. 

Lowering my score because I go shopping is extortion and collusion, clearly. The more I shop the deeper the damage. 

Rates fluctuate, and what rate I received today may no longer be valid a year from now. If rates drop, I should be able to go shopping again. If I go shopping on a regular basis, I then get dinged in my score, which lowers the score, raising the interest rate I can receive. 

It is no ones business but our own, if we want to go window shopping for a better product. Applying and acceptance and/or rejection does not impose a risque to lenders. It doesn't mean anything. I just went shopping. 

The public is being extorted, as the rating agencies collude with lenders in providing this information to them, while lower our rating. 

I didn't see any rating agencies lower bond scores prior to the housing crisis, when they were clearly junk bonds. That's more evidence of collusion Submitting an application and accepting terms of a loan are two different things. 

I want the best rate possible at all times. If there is a rate drop, I should be able to change loan providers, without that impacting my score. 

The system is rigged. 

We're essentially punished for 2 years when we go shopping. 

The American public is being extorted in a massive collusion with lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: SC

Complaint narrative:
XXXX horoscope been taking money off my direct deposit {$29.00} since XX/XX/XXXX without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: CA

Complaint narrative:
Hello, I sent a Certified Letter requesting documents showing this was my account. I am asking for them to please DELETE THIS ITEM FORM ALL THREE CREDIT BUREAUS. 
I was applying for a loan and the bank said a had to pay the above collection or I could not receive a loan. So I called them and they and requested Validation about this account and never received anything they just pay them half and they mark it as paid. I need them to provide me with documentation or remove this account from my credit report. 

ENHANCED RECOVERY COMPANY # XXXX XXXX XXXX XXXX  XXXX XXXX , FL XXXX ( XXXX ) XXXX Placed for collection : XX/XX/2018 Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION Original Amount : {$680.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been trying to contact "Experian" through several phone calls and every number I come up with to try are all automated recordings. There is no option to speak with a live person. I am not able to login to my online account with them even after changing my password in order to do so. It keeps giving me a message to call a certain number and it is all automated. This is very frustrating for me and I don't know what else to do to get this issue resolved. Thank youXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
A hard credit inquiry was performed on XX/XX/XXXX without my consent from a company called XXXX of XXXX, Texas. Their current phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: MA

Complaint narrative:
XX/XX/XXXX a collection account showed up on my credit report. I did research in to this company and from what I see they are scammers. Most reviews were people saying the company was collecting a debt from XXXX  XXXX XXXX or team mobile. It shows the account was opened inXX/XX/2019. I have been with the same phone carrier for over 10 years. I have had my identity stolen multiple times in the past and am constantly disputing things that show up on my report. I do not even know how this " account '' was opened as I have a freeze on my credit ( XXXX, XXXX, XXXX ) I have to call them to tell them I actually applied for something. Please have this removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: TX

Complaint narrative:
Equifax is incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see page 11 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  and XXXX, however Equifax has not removed this from my credit report. I have contacted the bureau to fix this however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-01 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: TX

Complaint narrative:
Equifax is incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see page 12 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX and XXXX, however Equifax has not removed this from my credit report. I have contacted the bureau to fix this however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
XXXX and I were told by U.S. Bank rep XXXX XXXX that my last payment on Loan # XXXX___ would beXX/XX/XXXX. XXXX and I are 100 % sure that these were " His Words ''. What I signed was not whar Mr. XXXX represented to us ( my wife and I ). We liked him and trusted him, we go to appointments together for this very reason, just in case we hear things differently. During the presentation, I personally asked MrXXXX XXXX when the last payment was ; again he responded XXXX of XXXX. 
Instead the last payment is XXXX of XXXX when I initially signed, I asked to sign the Hard copy, XXXX XXXX said he had to work it up ... .we later did an e-mail signature : click, click, click. I did not find out until XXXX XXXX that the " Real '' last payment is 12 months later : XXXX of XXXX from U.S. Bank XXXX XXXX provided us documentation XXXX We are not disputing the paper work of the loan. To be specific, it is what was presented to XXXX and I was a " Bait & Switch ''. It was not a truthful presentation. U. S. Bank has denied any wrong doing as we have already been thru the U.S. Bank complaint process. We requested to be interviewed, we were not. U.S. Bank is not going to investigate itself. I also spoke with XXXX XXXX of U.S. Bank ( concerning follow up from U.S. Bank letter dated XXXX XXXX ). Ms. XXXX with No Results. Both XXXX and I are 100 % sure MrXXXX XXXX stated @ least ( XXXX ) times XXXX of XXXX. TRUST is a Big word ... .very important in Banking as XXXX ( XXXX. XXXX U.S. Bank ) and I discussed. I said to XXXX XXXX ( U. S. Bank Branch Mgr. ) I would have to file a complaint ; XXXX replied, " Sounds Good ... .You do that ''.

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 2019-08-01 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: TX

Complaint narrative:
Equifax; XXXX and XXXX  are incorrectly reporting me as an Authorized User on the XXXX  – partial account number XXXX.  (Please see pages 12 and 13 of the attached credit report.)  I called the bank and let them know that I did not give permission to be added as an Authorized User and I have contacted the bureaus to fix this however, I have not been successful.  This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief