vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-31 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: MA

Complaint narrative:
On XX/XX/2018 I purchased a new Vehicle from XXXX XXXX. I was informed by the salesman that I was denied by them " the XXXX Dealership '' but they send customers that don't get approved by them to XXXX XXXX XXXX. They are less strict when it comes to approving clients for Auto loans. So the salesman submitted my application to XXXX XXXX XXXX and I was approved for the Auto Loan and I received my Brand New Vehicle a few weeks later after all the additional options were added. 

After making 6 on time payments I wanted to see the positive affect on my credit report and try to obtain a personal loan or credit card. Well after filling out for a monitoring service I noticed that my score actually Dropped and I was denied because of too many credit inquiries. I noticed a HUGE AMOUNT of unauthorized Credit Inquiries. After hours upon hours of investigating what these inquiries were, I figured out it was the Salesman that took my credit report info without my consent and blasted it off to Multiple different financial institutions that conducted hard pulls on my credit. We only agreed to Submit my Application to XXXX XXXX XXXX. 

This was done without my consent and this is a violation of the Fair Credit Reporting Act. 

I contacted XXXX, XXXX  and Transunion and I explained to them that these inquiries were unauthorized as I did not fill out any applications with these banks and that my information was submitted to them without my consent from the Auto Salesman from XXXX XXXX where I purchased my vehicle. The only Bank I filled out for was XXXX XXXX XXXX which currently holds the lien against the vehicle. 

All three credit bureaus told me to contact the banks and ask them for a letter of deletion. They cant remove the inquiry. I explained to them that this is a violation of the Fair Credit Reporting Act because it was done without my consent and if they can " POST '' this info they can also " REMOVE '' it. 

I continued to get the run around and was told I need to contact all the banks that pulled my credit. 

Some banks had phone numbers. Some Did not. I contacted the Banks that I could and the best results i received was to contact the credit bureaus because they don't give out letters of deletion! 

I attached a screen shot of my report that shows the Unauthorized Inquiries that I told the Credit Bureaus about. I have circled the ALL the Inquiries that are unauthorized

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 2018-12-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
Wells Fargo has a history of refusing payments or processing them late, as in a couple of weeks. This results in foreclosure notices about every other month which WF says to disregard because they have the payment. 
On XX/XX/XXXX I attempted to pay WF through both the mobile app and their website. Both were down, so I used the automated pay by phone and received a confirmation number. I watched my bank account all month and it never came out. During that time, I called them weekly, to which they could only tell me their systems were down and they couldn't access my account information each time. 
On XX/XX/XXXX I mailed them a check in the agreed amount. They never cashed it. 
Having been through this in XXXX, I retained legal counsel. 
The XXXX incident began in or around XXXX XXXX when three payments were attempted to be withdrawn from my account. Looking at my credit score, they marked me nearly 90 days delinquent on an auto-payment account. I was threatened when I removed the auto-payment from my account and then WF refused to accept any further payment. Although checks were sent each month up until the notice of sale three months later. The account was reinstated through legal counsel and a large sum of money. However not even two months after reinstatement, they began with the late  acceptance of payment measured in weeks after payment in which I have written in a journal to document the absurdity. Not documented was when it began the fall of XXXX when the lapse between payment and processing is around 20 days. The aforementioned journal is attached, XX/XX/XXXX - XXXX to serve as historical reference of how my account is serviced and I am harassed each month. 

WF has marked me 30 days late for 3 years and my credit has been ruined from this one creditor. They've trapped me with no option to refinance with another provider. I no longer wish to be their customer. 

Due to current litigation, I am not attaching any current discovery items besides those proving payment was made in good faith on my part.

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 2018-12-31 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On about XX/XX/2018,XX/XX/2018 and XX/XX/2018 I send the " Letter of Demand '' to 3 Major credit Bureau companies : Experian, XXXX and XXXX .

Only XXXX excepted my dispute and Completely deleted and removed some collections, unknown bank charges form their credit file.

The other 2 credit companies : Experian and XXXX had fail to notify me the unauthorized charges from those Banks report to their credit file.

They only mail me the letter informed those charges were accurate. But did not provide me any prove evidence or document like Statements, invoice, balance due ... from their Banks show I own them.

Please help me to investigate and send a complain to Experian and XXXX again. Thank you

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 2018-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
As of XX/XX/18, monthly statements which indicate interest charged are not available online. The interest rate and balance are shown, but in order to find out how much interest is being charged monthly, you have to call Navient. This seems like a deliberate attempt by Navient to withhold information from their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 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: Nelnet, Inc.
State: FL

Complaint narrative:
Dept of Ed/Nelnet desist has violated x 15 USC 1692 by continuing collection activity after a cease and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
I called XXXX XXXX to cancel my policy as I had XXXX. He never picked up and his voicemail was always full. I called the headquarters who advised only my agent could cancel. A week later i called and my case was expedited. I was assured they would reach out to agent to cancel. The agent cancelled my policy effective XX/XX/2015. Mind you, I'd had XXXX a whole month. I had to suspend payment with XXXX to make sure they could not withdraw funds from my account. 
I got a letter from Credit Collection Services trying to collect on a debt of {$110.00} from XXXX. I have requested a debt verification with dates and how a balance of {$110.00} was incurred. I have yet to hear back from them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 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: FL

Complaint narrative:
XXXX XXXX XXXX desist has violated x 15 USC 1692 by continuing collection activity after a cease and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On about XX/XX/2018,XX/XX/2018 and XX/XX/2018 I send the " Letter of Demand '' to 3 Major credit Bureau companies : XXXX, XXXX and TransUnion .

Only XXXX excepted my dispute and Completely deleted and removed some collections, unknown bank charges form their credit file.

The other 2 credit companies : XXXX and Transunion had fail to notify me the unauthorized charges from those Banks report to their credit file.

They only mail me the letter informed those charges were accurate. But did not provide me any prove evidence or document like Statements, invoice, balance due ... from their Banks show I own them.

Please help me to investigate and send a complain to XXXX and TransUnion again. Thank you

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 2018-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
loan # XXXX I have been researching how MERS Assigns its mortgages and MERS has told me that they do not keep the Promissory Note but only assigns the mortgage. 
SLS has told me that the, Trustee, XXXX XXXX XXXX XXXX XXXX is holding it but they are not the holders. 

I have asked SLS how did they come to have the promissory note when MERS assigned them the mortgage and did not assign them the Note. 

My question I keep asking is, how did SLS get possession of the original the promissory note?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Barclays bank XXXX XXXX credit card. 

online credit card payment to barclays was rejected by my bank ( XXXX XXXX ) because bank closed account due to fraudulent activity. 

I explained this to Barclays Bank supervisor XXXX, ID Number : XXXX and inspite of repeated requests to waive the fee for returned payment for extraordinary circumstances, she said bank policy is not to waive this fee under ANY CIRCUMSTANCES. 

Fraud on my checking account was out of my control and supervisor was absolutely unwilling to offer any help. 

Thanks 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 monetary relief
Consumer complaint received 2018-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I HAVE A XXXX XXXX XXXX REPORTING ON XXXX  ONLY FOR XXXX ACCOUNT NUMBER XXXX I HAD DISPUTED THIS ACCOUNT AND I GOT A LETTER FROM XXXX XXXX SAYING THERE WHERE GON NA REMOVE IT IN 30 DAYS. XXXX AND XXXX ALREADY DELETED THIS ACCOUNT. ONLY XXXX DID NOT. PLEASE UPDATE XXXX TO REMOVE THIS ACCOUNT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-31 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: U.S. BANCORP
State: CA

Complaint narrative:
Someone hacked my account and was able to clone my debit card. My pin number was also compromised. In doing so, the hacker was able to go to an ATM and pull out {$220.00} and {$80.00} on XX/XX/XXXX & XX/XX/XXXX. They also were able to withdrawal {$320.00} & {$80.00} on XX/XX/XXXX & XX/XX/XXXX. I reported it on XXXX I believe. The bank mailed me paperwork to turn in so that I would get my money back. However the banks fraud team denied me my money. I was under the impression that the victim has zero liability if the victim reports the claims immediately. 

P.s. 
I bank with US Bank.

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 2018-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I already filed a complaint about multiple credit card and debt collection companies. One of the companies was Capital One ( card ending in XXXX ). Capital One had a debt collection company send me a letter today, XX/XX/2018. It's a different debt collection company than before : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
Phoenix Recovery group has been attempting to collect an inaccurate erroneous debt since XX/XX/2018. I have contacted them multiple times since XX/XX/2018 to get an explanation of the debt or for them to atleast correct the balance but to no avail they refuse to update or delete the inaccurate account from my credit report for XXXX or XXXX. The original creditor was paid out {$2400.00} as per a settlement agreement reached in XXXX county civil court on XX/XX/2018. Phoenix recovery group insists that there are no records of this even though I have the court documents and receipts of payment they refuse to take into consideration. Also I have disputed this account with all 3 credit bureaus as an inaccurate account and Phoenix recovery continuously responds with " Account information disputed by consumer, meets FCRA requirements '' I believe no due diligence is being taken on their behalf and this is negatively impacting me by preventing me from obtaining credit and renting or buying a home

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I previously submitted CFPB complaint XXXX-XXXX  and XXXX-XXXX to which XXXX with the executive resolution dept was assigned. For the initial complaint, she failed to contact me to even discuss the dispute. I only later found out by one of her colleagues that she had attempted a single phone call but neglected to leave a voicemail for me alerting me to her call. XXXX then proceeded to close out the initial dispute without ever having spoken with me. As a result, her response had many false and misleading statements with many serious omissions. XXXX 's response also failed to address all the concerns raised. In order to answer the flawed and false response by XXXX for Capital One, I filed the second complaint XXXX-XXXX. I called her number and unable to reach her left her voicemails on XX/XX/XXXX, XX/XX/XXXX, 3 times on XX/XX/XXXX, XX/XX/XXXX and twice on XX/XX/XXXX. In my attempts to reach her on XX/XX/XXXX after leaving XXXX a voicemail, I called to speak with the executive resolution dept where I spoke with XXXX who stated XXXX was unavailable but would call me back before the EOB and at the latest by XX/XX/XXXX. XXXX and I finally spoke on XX/XX/XXXX where she stated she was unsure why the previous agent didn't do any research and closed the case prior to speaking with me. She would research all the provided documents and get back to me. She kept trying to make excuses as to the reason XXXX refused to accept my return. She didn't seem to understand it didn't matter why the merchant refused to accept the return. The fact was the merchant refused the return in violation of their return agreement provided at the point of sale. By doing so the merchant violated the terms of sale and was also guilty of misrepresentation. Either account is a valid chargeback. 
I find the need to once again bring up federal statues and reference the summary of XXXX v. XXXX XXXX, XXXX, XXXX. Stating that pursuant to 1666 ( c ), the cardholder " need not pay the amount in dispute until the card issuer has complied with 1666, '' and that pursuant to 1666 ( d ), the card issuer " may not restrict or close an account due to a [ cardholder 's ] failure to pay a disputed amount until the [ card issuer ] has sent the written explanation required by [ 1666 ( a ) ] '' I have reasserted my dispute multiple times, and even asserted my dispute under the claims and defenses argument which allows up to a year to assert my dispute. 
Despite this single charge being the only remaining balance on the card Capital One has continued attempts to collect and negatively report this disputed debt without informing the CRA 's the account is in dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
On XXXX i reported an auto accident in a private own location to XXXX insurance which days later XXXX declared my XXXX XXXX XXXX to be a total loss. XXXX agreed to pay off the car for a total of {$2900.00} but since the car was still under financing, the money would be redirected to the bank Credit Acceptance. The process took about 45 days in which I, without having a car, still continued to make monthly payments to the bank on time. Once the money from XXXX was sent to Credit Acceptance, the total amount was reduced. Credit Acceptance allowed me to pay the remaining balance in two installments. I made the payments on time and Credit Acceptance sent me a letter of XX/XX/XXXX stating that the contract has been canceled and that the account has been paid in full. 
There have been countless times between XXXX and XXXX that I tried to apply for a car loan and I have all been denied until the end of XX/XX/XXXX when I made a last attempt to request a personal loan at the bank of XXXX XXXX which I am notified of the credit denial because the credit report showed a delinquent of fund that was sent to collection. I further requested my own credit check from XXXX and found that during the time of settling the debt with Credit Acceptance and XXXX, Credit Acceptance reported me as Potentially having Negative in payments and that they had taken it to collection. The report says that the payments were made from XXXX to XX/XX/XXXX and from XXXX to XX/XX/XXXX they took it to collection. This report contradicted it sent since, from the same report, It also indicated that I made the payment from XXXX through XX/XX/XXXX. I have never received any letters nor phone calls indicated that this had occurred throughout the duration of time that i still continued to pay for my car after the accident. 
On XX/XX/XXXX, I called a representative from Credit Acceptance about what happened and their only response was that I have 30 days from today to dispute this claim but they are not able to change anything in my credit record. A bad report in my credit history at no fault of mine led me to the loss of time, employment, future projects and not only to me, but to my family as well. 

Thank you very much for your attention, I sincerely wait for answers

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 2018-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OR

Complaint narrative:
I requested to be considered for TEPSLF on XX/XX/2018. I was denied forgiveness under that program on XX/XX/2018 and the denial letter reads : " To be eligible for the TEPSLF opportunity, the amount you paid 12 months prior to applying for TEPSLF and the last payment you made before applying for TEPSLF must have been at least as much as you would have paid under an incomedriven repayment plan. We evaluated your eligibility for TEPSLF based on the income-driven repayment plan that would have provided you the lowest monthly payment amount. This gave you the best chance at being eligible for TEPSLF. The monthly income-driven payment amount calculated using your information on file was {$350.00}. A review of your payment history determined that your most recent payment made was less than the calculated monthly income-driven payment amount. This makes you ineligible for the TEPSLF opportunity. '' This reason for denial does not make sense since my last payment WAS {$350.00} and my payments the entire last year have been under income driven plans and paid automatically and on time. Please help advise on next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL

Complaint narrative:
I had to take a helicopter flight because I had a medical situation. At the time I had insurance so there is no way it can be for {$42000.00}. I am happy to resolve this at a much smaller amount but {$42000.00} is completely unreasonable especially since I had insurance and had a max deductible and max out of pocket cost of {$10000.00}. I tried to have them look into this to correct it and they say the debt is valid. I am not questioning the validity of the debt, but the cost of it since my insurance protects me for out of pocket cost above a certain amount. I want them to adjust it correctly based on my out of pocket costs, or remove it completely from my credit report.

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