vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-19 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
ive noticed several unauthorized inquiries on my credit profile this is an illegal per usc section 1681 which states that there must be written consent in order to authorize inquiries also section 609 of the fcra states the same there must be written this is grounds for a suit and if they are not removed by these unauthorized companies i will persue every matter in court

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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: CITIBANK, N.A.
State: GA

Complaint narrative:
ive noticed several unauthorized inquiries on my credit profile this is an illegal per usc section 1681 which states that there must be written consent in order to authorize inquiries also section 609 of the fcra states the same there must be written this is grounds for a suit and if they are not removed by these unauthorized companies i will persue every matter in court

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 2019-07-19 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
usc section 1681 states that there must be written authorization from the designee for any inquiries and also section 609 of the fcra states there must be signatures in order for this to be legal these are illegal practices by these companies and if not seased now i will take legal action immeadiately these inquiries are unknown and unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
Transworld Systems calls before XXXX multiple times and they are aware that I live on the west coast yet they continue to call before XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
Yesterday XXXX-XXXX-19 a process server brought a summons to my house to get a response. The summons is for Arvest, however the debt is for Security Bank Card. I have never received any prior communication of this debt from this company. In fact it is still showing in good standing on my credit report. Per Collection laws they must give me prior notice of intent to take me to court. This is par for this company and I am filing another complaint on their practices as well. Also filing claim under Arvest when it is Security Bankcard center is another violation of the Collection laws. Misrepresentation.

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 2019-07-19 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: CITIBANK, N.A.
State: GA

Complaint narrative:
usc section 1681 states that there must be written authorization from the designee for any inquiries and also section 609 of the fcra states there must be signatures in order for this to be legal these are illegal practices by these companies and if not seased now i will take legal action immeadiately these inquiries are unknown and 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 2019-07-19 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: GA

Complaint narrative:
usc section 1681 states that there must be written authorization from the designee for any inquiries and also section 609 of the fcra states there must be signatures in order for this to be legal these are illegal practices by these companies and if not seased now i will take legal action immeadiately these inquiries are unknown and 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 2019-07-19 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: Carvana Group, LLC
State: GA

Complaint narrative:
usc section 1681 along with section 609 of the fcra state that there must be signed authorization for any inquiries made from creditors there are several on my profile that ive never authorized and am not even aware of this is illegal practice and my next step is to persue legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: NH

Complaint narrative:
I Paid off my lease in full on XX/XX/2019, satisfying all lease terms. 

Hyundai Motor finance then took an extra payment on XX/XX/2019. I have been trying to get the company to send the money back for about a month now. The company owes me {$330.00}, and I have no idea if or when I will receive the money back. Several representatives claim a check will be sent " Soon ''. 

I can never contact the company. The phone system is specifically designed to prevent reaching an agent. It is cyclical, and often it just says " Goodbye '' for no reason. Often when transferring to an agent, it states " Call back later ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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:
usc section 1681 along with section 609 of the fcra state that there must be signed authorization for any inquiries made from creditors there are several on my profile that ive never authorized and am not even aware of this is illegal practice and my next step is to persue legal action

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-19 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:
usc section 1681 along with section 609 of the fcra state that there must be signed authorization for any inquiries made from creditors there are several on my profile that ive never authorized and am not even aware of this is illegal practice and my next step is to persue legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am in the process of buying a new home upon the underwriting team pulling my credit a fraud alert popped with no telephone number. I called every bureau to identify if I had a fraud alert with them. In calling Experian there was no way to talk to a human being. The automated system asked if I needed help with a fraud alert I said yes. It continued to confirm my information which by the way was minimal compared to the other bureaus. Once I spoke my information into the automated system it then said you have placed a fraud alert with all the bureaus. I did not want to do that I thought I was providing prescreening details to speak to an agent. The automated system did not ask to confirm if I was my intention to place a fraud alert it just moved forward. Now I have submit in writing to remove it the others bureaus allow telephones to be updated, fraud alerts removed with an agent. This is completely unfair especially since adding an alert can be done with basic personal information. In addition I pay for a membership with Experian there is no way to talk to a human or cancel services it transferred me to dead silences. This is a nightmare as I trying to buy my dream home.

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 2019-07-19 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: U.S. BANCORP
State: AR

Complaint narrative:
I have had two HELOC loans with US Bank for a course of 5 years. I do not actively bank with US Bank. I have a one account that I deposit funds into that are automatically drawn out to pay my month house payment. 

XXXX of XXXX - the auto payment went through and I was short on the my account. I was notified by a phone call later in the month about the error. I quickly went to the Bank and made a payment for XXXX and one for the next month XXXX of XXXX. 

As noted in the letter received by US bank. The Branch ran my XXXX payment twice, which " artificially satisfied '' the payment due in XXXX. I called the bank multiple times to make sure the XXXX payment was back on track and it was. I left for vacation for a few weeks for the holidays and came back after the XXXX of XXXX. Around XX/XX/XXXX I received a phone call from US Bank corporate stating my XXXX payment did not go through. I was extremely frustrated about this since I already handled this, I thought back in XXXX. Account was made whole on XX/XX/XXXX. The next month I get a huge credit knock that took me from a XXXX to a XXXX for a late payment. In XXXX I admit it is my fault for not having funds fully ready. I handle it as soon as I found out. Which was within 30 days. Fair credit laws do not allow you to report this within that timeline. What US bank is reporting is my XXXX payment which they admit in the letter was their error. 

I run a small XXXX XXXX company. I have support my family from borrowing money to us to build homes and then get paid. All of my lines of credits are up for their yearly review and every bank is raising fees and rates due to this one mistake. I really need help. This detrimental to my business, my career and most importantly my family. 

Please help me out in anyway you can! 

Best, 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 monetary relief
Consumer complaint received 2019-07-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I contacted Chase again about either stopping all contact with me or about a mortgage. I spoke to XXXX who transferred my call to their XXXX dept. The XXXX dept refused to accommodate my XXXX and transferred my call to their abuse line because I had asked to be accommodated as a XXXX person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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: NY

Complaint narrative:
Accounts need to be remove immediately from my credit report I didnt authorize this and it does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
Capital One Bank ending account number ****XXXX  statement attached, reports a balance exceeding {$10000.00}. My credit limit on this card is {$3500.00}. The statement reflects a payment of {$6600.00} and during that same time period there were transactions on this account of {$16000.00}. I did not make this {$6600.00} payment nor did I charge over {$16000.00}. This card is being used fraudulently. I have contacted Capital One and notified them of the fraudulent activity, however I have not been successful in getting this issue resolved. Consequently, I am being taken to collections for the outstanding balance due on this credit card. I did not use this credit card nor did I charge over {$10000.00} on this credit card. I respectfully request that Capital One Bank reverse these fraudulent charges and stop the collection proceeding.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
1. Date I paid {$1500.00} was XXXX and my credit limit was XXXX 2. Date they lowered my credit limit was XX/XX/XXXX 3. XX/XX/XXXX is the day I was told they would refund me XXXX 4. XX/XX/XXXX letter that notifies me they refunded XXXX not XXXX In XXXX of XXXX an interesting set of facts occurred. 
I had an active Citi Card Double Points credit card account with a XXXX available balance. I have been a good and reliable customer with CITI and made my payments regularly. I have not always paid on the due date but I have not gone over 30 days late within the past several years. 

I mistakenly paid XXXX on XX/XX/XXXX, I meant to pay {$150.00} and somehow missed that I added an extra zero. 
ON the XXXX, CITI lowered my credit line. 
On the XXXX I realized I had made a mistake and asked for a refund of XXXX. I was told by a representative of Citi that they would refund the XXXX. Sometime after the XXXX I received a written letter from CITI dated the XXXX, explaining they had refunded only XXXX, and that since they lowered my credit line to XXXX, they could not refund the remaining {$740.00} because it would exceed my credit line. I find this to be very onerous since the original payment occurred on the XXXX and at that time I had a credit line of XXXX. First, why would they lower my credit line after receiving the XXXX payment. That seems to be an odd reaction. Why can't they refund the portion I overpaid in error. Well, they can they just will not. Can you help me?

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 2019-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX and I am the only person on the mortgage, But my husband XXXX XXXX and I are both on the Deed. 
The property is currently in foreclosure and it is against both XXXX XXXX and XXXX XXXX since we both on the deed. 
Yesterday XX/XX/XXXX, we called Mr Cooper Home Loans. 
The current servicer is XXXX XXXX XXXX. 
Although Mr Cooper was the previous loan servicer, they still claim that my loan is with an attorney ( XXXX XXXX XXXX and Mr Cooper refuses to deal with us in any major way and Mr Cooper refuses to accept my husband XXXX XXXX as an authorized party to get information on the loan. 
Yesterday we spoke to XXXX ( id # XXXX ) and her supv. XXXX. 
We notified Mr Cooper for the first time back around XX/XX/XXXX that XXXX XXXX was NOT our atty anymore and that XXXX XXXX was UNcooperative with us and was not calling or notifying Mr Cooper even though we had requested this of him several times. 
Mr Cooper to this date, says that only the atty is allowed to remove himself. Mr Cooper has been informed MANY times of our displeasure with that atty and our FIRING that atty. We even had another atty assist XXXX XXXX with Bankruptcy after XXXX XXXX but Mr Cooper retains XXXX XXXX as the atty in charge and stated that the case goes back to XXXX XXXX automatically even though the bank atty doesnt have him registered as our representative anymore. 
XXXX XXXX says he tried several times to communicate with Mr Cooper but it seems that the bank tells him that the request has to come from us. ( See attached ). Mr Cooper is not accepting our request either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
On XX/XX/2019 10 fraudulent charges totaling {$2000.00} were processed by Regions Bank. I called the bank to report the charges and was told I couldnt dispute them until they were posted. On XX/XX/2019 I filed the dispute and was told it could take up to 10 days to funds back into my account. This is unacceptable as it took less than 1 day for the funds to be taken from me. The charges were to XXXX in Indiana and I live in MS . I was told there was no way to expedite this matter and that basically there was nothing that could be done to return my funds.

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 2019-07-19 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: NY

Complaint narrative:
Accounts need to be remove immediately does not belong to me

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 2019-07-19 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: AES/PHEAA
State: NC

Complaint narrative:
I have been on forbearance since XX/XX/XXXX which lasts until this XX/XX/XXXX My account should have not continued to be reported late

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Consumer Portfolio Services, Inc.
State: CT

Complaint narrative:
In XXXX of 2018, I was 1 month post bk, and needed a larger car for my family. I purchased a XXXX XXXX minivan used. I was approved through CPS. At the time of my signing at the dealership, I was not told the specifics of my loan, just given the general terms, months, interest rate, due date etc. It was noted a few months in that CPS operates under a daily interest rate on top of my APR I was told. My payments are XXXX a month. To this date I have paid over XXXX in interest and XXXX in principal. I still can not figure out how payments are posted because I was given an amortized scheduled in terms of what should be applied to interest and principal. That is not happening most months the payment are applied to all interest or may be $ XXXX to principal. I have made payments of XXXX since XX/XX/2018. My starting balance was XXXX, payoff is XXXX. You do the math. Its about 10 months of payments. If you do the math only XXXX has went to principal. How is that legal what they are doing. I would like to have their practices looked into because that is my hard earn money and they are taking it and not applying to what I signed up for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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: NY

Complaint narrative:
Please remove immediately from my credit report accounts dont belong to me

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 2019-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
In 2019 Banco Popular, Creditor XXXX, inquired my credit in two times this year. Those inquiries were identified as Hard Inquiries rather than Soft Inquiries. The reason to understand that must be a soft inquiry is because my mortgage loan is under a Loss Mitigation review to achieve a loan modification because my unemployed. 

The inquires were performed in XX/XX/2019 and XX/XX/2019 

I request to change the inquiries to a soft since the process working with Banco Popular is for a Loss Mitigation and not to request new credit. 

Below are the definitions as CFPB link. 

Hard inquiries. These are typically inquiries by lenders after you apply for credit. These inquiries will impact your credit score because most credit scoring models look at how recently and how frequently you apply for credit. 
Soft inquiries. These are reviews of your credit file, including reviews of existing accounts by lenders, prescreening inquiries by prospective lenders, and your requests for your annual credit report. These will not change your credit score. 

Additionally, Banco Popular must change the internal guidelines to any borrower who is working under the loss mitigation program all credit inquiries be identified as soft inquiry. 

Thank you!

Company response to consumer: Closed with explanation