vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-08 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: MD

Complaint narrative:
On XX/XX/XXXX, I contacted XXXX XXXX XXXX and XXXX of XXXX XXXX to apply for a car loan. XXXX XXXX XXXX hard inquiry is of my knowledge. The salesman at XXXX dealership said he was going to get me approved at XXXX XXXX which he did. So that inquiry is valid XXXX XXXX   XXXX XXXX XXXX XXXX But all these inquires below are not valid and I didn't give permission. These below inquires should be removed based off Section 604 of the Fair Credit Reporting Act Section 604 - This section is about the situations in which consumer reporting agencies may provide a consumer report. These situations are also called the " Permissible Purposes '' to obtain a report. The section also lists some purposes where a consumer report may not obtain a report, e.g. marketing, curiosity, law enforcement NOT VALID XXXX XXXX XXXX XXXX XXXX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX   XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2018-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Thomas Agency, Inc.
State: FL

Complaint narrative:
The Thomas Agency - 2 years ago I had a company for running credit cards. I clearly emailed them and canceled. They continued to bill me. Then, I needed an invoice, so I canceled again. They sent the info to a collection agency. The collection agency came after me for {$740.00}. Keep in mind I already canceled twice. I feel like they have a bait tactic and require an overly difficult cancellation process. I am very frustrated as I have already canceled twice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
A check for {$960.00}, written by an insurance company I've never heard of, was cashed ( by whom I don't know ), and for some reason the money was withdrawn from my Wells Fargo checking account ( rather than from the insurance company 's account ). I found out about this after getting an email from Wells Fargo to say my account was overdrawn. When I called to find out what was going on, they looked at the check in their system and it was completely clear to them that this was not my check ( it was not written by me nor to me ) and that the funds had been taken from my checking account in error. However, they refused to give me my money back. Wells Fargo opened a " claim '' and said I could wait up to ten days to get my money back. I was on the phone for two hours and they kept repeating that there was nothing they could do. How is it legal for them to take {$960.00} from my checking account by accident and not give it back 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 2018-03-08 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: MO

Complaint narrative:
I disputed inaccurate Bankruptcy on my credit report with court was told they don't report to the credit nor do they verify any information with the credit bureaus. But the credit Bureau keeps reporting this as accurate. I have also received a email from the bankruptcy court & XXXX XXXX saying they don't report to the credit .The credit bureaus are violating the fcra also the fdcpa by reporting inaccurate information and can't provide valid information

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 2018-03-08 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: MD

Complaint narrative:
On XX/XX/XXXX, I contacted XXXX XXXX XXXX and XXXX of XXXX XXXX to apply for a car loan. XXXX XXXX XXXX hard inquiry is of my knowledge. The salesman at XXXX dealership said he was going to get me approved at XXXX XXXX which he did. So that inquiry is valid XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX But all these inquires below are not valid and I didn't give permission. These below inquires should be removed based off Section 604 of the Fair Credit Reporting Act Section 604 - This section is about the situations in which consumer reporting agencies may provide a consumer report. These situations are also called the " Permissible Purposes '' to obtain a report. The section also lists some purposes where a consumer report may not obtain a report, e.g. marketing, curiosity, law enforcement NOT VALID XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
This is my 4th complaint against Toyota Motor Credit re Closed/Paid/In good standing acct # XXXX. Every month TFS reports incorrect delinquent information into my own and my cosigner 's credit reports with all CRAs since XX/XX/2017. Today my XXXX credit score dropped by almost 90 points, XXXX. AGAIN. They are playing with our credit scores and near perfect credit reports ... This is ridiculous that I can not get anywhere with these XXXX   employed by toyota motor credit ... 

I AM SICK AND TIRED OF THIS MICKEY MOUSE-RUN COMPANY. OUR ACCOUNTS ARE NOT AND WERE NEVER LATE OR CHARGED OFF. I PAID IN DUE TIME, TWICE I MADE A PAYMENT AND BECAUSE OF TFS NOT KNOWING WHAT THE XXXX THEY ARE DOING, THEY LOST THE FIRST PAYMENT. I MADE A SECOND PAYMENT. 

MY ACCOUNT SHOULD BE CLOSED/PAID IN FULL, IN GOOD STANDING. PERIOD!!! 

I DO NOT KNOW HOW TO DEAL WITH THIS ANY MORE ... I DO NOT KNOW HOW TO ADDRESS THIS ISSUE. SEEMS LIKE EVERY TIME SOME NEW EMPLOYEE REPORTS TO CRAs AND MAKES THE SAME MISTAKE. 

THIS ISSUE MUST BE FIXED ONCE AND FOR ALL. I DO NOT HAVE TIME FOR THIS. 

PREVIOUS COMPLAINTS # XXXX, XXXX, XXXX ... 
I FILED COMPLAINTS WITH XXXX, to no avail ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: WA

Complaint narrative:
Hi, We had been working with Nationstar ( now Mr. Cooper ), the servicing entity for our home mortgage loan for XXXX XXXX, on a loan modification back in XX/XX/XXXX. When it became clear that a new loan modification was not going to be approved, we decided the only path forward was to sell our house. Hence, we notified Nationstar in XX/XX/XXXX that we were putting the house on the market. 

In order to ensure we could sell the house, we borrowed money to get the house ready for sale, including replacing the roof. The roofing company had a backlog ; so it took the roofing company till late XX/XX/XXXX to put on the new roof. While we were waiting for the roof, we continued our efforts of the past eight years to try to work with XXXX and Nationstar to save our home. 

When it became clear that our efforts were futile, and after the 50 year old roof was finally replaced, we put the house on the market on XX/XX/XXXX, and it sold on XX/XX/XXXX, with a Purchase & Sale Agreement signed by both buyer and seller. 

To ensure a smooth process for paying lien holders and as recommended by our housing counselor, we requested that our real estate agent contact Mr. Cooper/Nationstar with information on the transaction. She did so via a phone call on XX/XX/XXXX or XX/XX/XXXX. The house is in escrow and is scheduled to close on XX/XX/XXXX. 

On the evening of Monday, XX/XX/XXXX at XXXX, we received a Notice of Default ( NOD ) taped to our front door. At the advice of our housing counselor at XXXX XXXX, we sent the Trustee of our loan ( XXXX XXXX ) a communication, requesting that they rescind the NOD, since they would soon be paid the full amount owed on their loan. 

By executing the NOD in spite of having knowledge of the sale, Mr. Cooper/Nationstar/XXXX XXXX  is adding undue risk to the sale of the house and closing. Our housing counselor says a NOD event shouldnt happen in the middle of an escrow closing, and this is a key reason why our realtor proactively notified Nationstar/Mr. Cooper of the sale of the house and the scheduled closing date well before the NOD was posted. 

Thank you very much for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I had a car accident XX/XX/2018. After the accident I contacted my insurance for car repairs. The insurance sent out a check with the amount of {$8800.00}, my name and XXXX XXXX name were on the check. XXXX XXXX  has a complicated process. The body shop where my car is being prepared and held at, has to send XXXX XXXX proof of photos, invoices, and vehicle preparation proof. After the proof is sent through mail, i would have to wait a few days or weeks for XXXX XXXX could sign and send the check to the body shop. The problem was that XXXX XXXX sent the check out to the wrong address! After I waited for about 2 weeks, I decided to call XXXX XXXX and was told that they had made a mistake. Which was that they sent the check out to the wrong address. The check never appeared!! I had to then call the insurance to tell them what had happened. They had canceled the check, that was never found, and send another one to my personal address. After i received the check i was then told to send it back to XXXX XXXX as an overnight shipment. Then once again told me to send out the same documents i sent in the first place : invoice, photos etc. While this process is happening, I am being charged a daily fee for the car being held at the body shop until they receive and clear the check from the car repair. They do not allow me to send any of these proof documents through fax. I was told to send them through overnight shipment to speed up the process. I shouldn't even be paying for these things! I want my money back! This was their fault. Issues like this should be fixed! My car has been in the body shop for over 2 months. I have been having to rent out vehicles so i could be able to work and pay my bills.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: MO

Complaint narrative:
I was reviewing my credit report and found this on my credit. I do not have a account with Ad Astra Recovery which is reporting on my credit I am requesting this removed This is a violation of the fair  reporting act I have no con	ract with this company or there client. I wasn't even given any validation. /this is fraud I have no knowledge of this account. please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 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: TX

Complaint narrative:
I purchased a vehicle through XXXX in XXXX Texas. I spoke with a member of their finance group and stated that I would most likely finance the vehicle purchase. They called me back to let me know that if I would like to purchase the vehicle they would be able to provide financing. I agreed and purchased the car and financing was secured. What I did not agree too nor cencent to was for them to run my credit much less put 6 hard credit inquiries on my credit report. I never gave them permission to do this once much less 6 Times. They have refused to resolve the issue. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 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: CORELOGIC INC
State: TX

Complaint narrative:
I purchased a vehicle through XXXX in XXXX Texas. I spoke with a member of their finance group and stated that I would most likely finance the vehicle purchase. They called me back to let me know that if I would like to purchase the vehicle they would be able to provide financing. I agreed and purchased the car and financing was secured. What I did not agree too nor cencent to was for them to run my credit much less put 6 hard credit inquiries on my credit report. I never gave them permission to do this once much less 6 Times. They have refused to resolve the issue. Please help.

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 2018-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA

Complaint narrative:
I submitted and In School Deferment for my Federal Perkins Loan on XX/XX/XXXX and again on XX/XX/XXXX through my school XXXX XXXX XXXX XXXX. I am currently enrolled more than half time there studying accounting. 

I received a notice via email stating that my deferment would not be processed on XX/XX/XXXX. The letter requests I respond immediately ( by XX/XX/XXXX, the same date it was received ) and denying my deferment request. I was previously assured on XX/XX/XXXX via a Heartland/XXXX representative ( through a chat tool ) that my deferment would be backdated. 

My complaint is about 1 ) the misinformation transmitted via Hearland 's representative on XX/XX/XXXX, 2 ) the 1 day response request regarding my deferment, 3 ) the incorrect denial of an otherwise timely and correctly filed deferment request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I applied for a chase freedom card and it was denied. I'm wondering what I need to do to get accepted. If my credit card score is too low how can I fix this?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Dear TRANSUNION : Please be advised that you are reporting the wrong addresses information on my credit report. Please delete or remove old or unknown addresses to me, any help you can give me with updating this information as soon as possible would be greatly appreciated. 

My current address is : XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX Please remove the following addresses from my report as they do not belong to me and are being reported in error : Wrong Addresses : XXXX XXXX XXXX XXXX, XXXX, WA XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX. 

I will await an updated copy of my credit FILE to reflect these changes. Thanking you in advance. Sincerely, 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 non-monetary relief
Consumer complaint received 2018-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Dear TransUnion, Please remove the following name from my report as it does not belong to me and is being reported in error : Wrong Name : XXXX XXXX. Attached you will find a copy of my state issued drivers license. I will wait for an updated copy of my credit FILE to reflect this change. Thank you in advance. Sincerely, 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 non-monetary relief
Consumer complaint received 2018-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: WI

Complaint narrative:
I have an account with coinbase.due to some technical chargeback issues.I have been locked out of my account since XX/XX/2018.I talked to them o phone a dozen time.but they just say they have escalated my issue.which usually take 4-6 business day or little longer.buf its been 20 days almost.still no one has a clue.i no longer wan na be with this coinbase and want to withdraw all my fund and close the account but they dont even let me do that .says once resolved then only I can access my account to withdraw.but they gon na take few days few weeks few months or a year or forever.loosing my mind.feels like biggest mistake of my life to be in crypto in coinbase

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
A check reverced and now they want to close my account now i cant get my money thats mine out

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Dear EQUIFAX, Please remove the following Employer from my report as it does not belong to me and is being reported in error : Wrong Employer : XXXX XXXX XXXX. I will wait for an updated copy of my credit FILE to reflect this change. Thank you in advance. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-08 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Dear EQUIFAX : Please be advised that you are reporting the wrong addresses information on my credit report. Please delete or remove old or unknown addresses to me, any help you can give me with updating this information as soon as possible would be greatly appreciated. 

My current address is : XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX Please remove the following address ( es ) from my report as they do not belong to me and are being reported in error : Wrong Address : ( 1. ) XXXX XXXX XXXX XXXX XXXX, WA XXXX AND ( 2. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX AND ( 3. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( 4. ) XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( 5. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( 6. ) XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( 7. ) XXXX XXXX XXXX   XXXX XXXX, WA XXXX ( 8. ) XXXX XXXX XXXX XXXX XXXX, WA XXXX ( 9. ) XXXX XXXX XXXX XXXX   XXXX, WA XXXX. 

I will await an updated copy of my credit FILE to reflect these changes. Thanking you in advance. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 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:
False reporting of invalid/fraudulent debts to credit reporting agency XXXX XXXX XXXX is suddenly appearing on my credit report multiple times with invalid debts. The only XXXX account that I ever had was paid in full and the equipment returned. There was no further correspondence received from the original company. I have not had nor do I currently have a XXXX account. I have also never received a letter or phone call from XXXX XXXX. Whenever I attempt to call XXXX XXXX XXXX I have troubles. They have an XXXX number that never gets me anyone as well as the contact numbers that have been left on my credit report are not in service and have not been updated, which is already evident of bad business practices. In looking up this company they have a bad rating and according to many have a shady history of doing business. These are not valid debts and are leading me to believe that XXXX XXXX XXXX is in fact fraudulent. These negative reports are inaccurate and I have yet to receive any information showing otherwise. These items should be removed from all credit agencies as they are invalid, disputed and causing negative marks on my credit report and credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
The last thing I did with anything on my credit was file my income tax I got an email about 20 mins ago saying my credit report went down I look at where I owe this money and its tell me this address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX with this name company account resolution service I have know clue of me owing this money and the last job I worked for was XXXX XXXX XXXX doing deliveries and a juice bar called XXXX XXXX XXXX so I dont know where this money saying that I owe coming from I paid all my debt before I even applied for a credit card check my records

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