vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
XXXX XXXX used my info to apply for the credit card offeres based on my scores and it lowered my score I did not submit a credit for the capital one cred Cards

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I had a charge card with XXXX XXXX XXXX XXXX card number XXXX XXXX XXXX with a {$4600.00} balance that was charged off. I attempted to settle this debt with XXXX XXXX but was told the debt was " cancelled ''. They sent me a XXXX ( which I have attached ). A cancelled debt that I am unable to pay can not remain on my credit files. I can not be held in jeopardy for something that I am unable to correct. 

I disputed this with Equifax, XXXX XXXX and directly with XXXX XXXX and they left the item on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 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: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
I had a charge card with XXXX XXXX XXXX XXXX card number XXXX XXXX XXXX with a {$4600.00} balance that was charged off. I attempted to settle this debt with Wells Fargo but was told the debt was " cancelled ''. They sent me a XXXX ( which I have attached ). A cancelled debt that I am unable to pay can not remain on my credit files. I can not be held in jeopardy for something that I am unable to correct. 

I disputed this with XXXX, XXXX XXXX and directly with Wells Fargo and they left the item on my file.

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 2017-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
The balance due is XXXX, the GLA Collections continues to show that i have an open item in collections. The date reported on this XXXX balance collections item is XXXX 2012. 

I do not have anything in collections, however this item continues to show but reflects a XXXX balance. I want this dropped off my credit score history. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In XXXX XXXX, I applied for forbearance on my student loans, which are serviced by XXXX XXXX. This deferment was for only THREE WEEKS ... from mid-XXXX to early-XXXX. This was done to postpone payment while my monthly payment amount was being recalculated. No payment was made in XXXX, but the account is still in good standing due to the forbearance. I then made a payment for XXXX ( after the recalculation ) on XXXX XXXX ( before the forbearance even ended ). 

Prior to this forbearance, in XXXX XXXX, my credit score was XXXX with Trans Union as reported by XXXX XXXX. The score was XXXX with Trans Union as reported by XXXX XXXX. On XXXX XXXX, XXXX I received emails from both XXXX XXXX and XXXX XXXX about my latest credit score. I get these emails frequently. However, I checked both XXXX XXXX and XXXX XXXX, and both had my Trans Union credit score as XXXXOVER 40 point drop in less than a month. This is a MAJOR drop. Nothing has changed in terms of credit card debt usage, debt, late payments, collections, public record, etc. Nothing has occurred that would warrant a drop of over 40 points. To put this into perspective, some bankruptcies will cause a score to drop by as little as 100 points. See attached, labeled documents. XXXX XXXX indicated that a change had occurred because TransUnion reported a more than 10 point drop in score. 

Since both XXXX XXXX and XXXX XXXX are free, I immediately questioned the accuracy. I therefore purchased my TransUnion credit report directly from TransUnion, order # XXXX ( screen shot attached ). The actual TransUnion report verified the information provided by XXXX XXXX and XXXX XXXX : my credit score had dropped to XXXX. Again there is no logical reason for such a dramatic score decrease other than the student loan forbearance. 
I phoned TransUnion and spoke to a customer service member. I asked her why my score dropped over 40 points, and she would not even verify that the score did drop. She would also not tell me any reasons, other than generic reasons like credit card usage, late payments, etc. TRANSUNION CUSTOMER SERVICE PROVIDED ABSOLUTELY NO REASON FOR THE DRAMATIC SCORE DROP. 

Most would come to the same conclusion : TransUnion dropped my credit score due to my 3 week student loan forbearance. The timing coincides with the forbearance and other factors have not changed. 

As a result of this TransUnion decision my credit has gone from an " excellent '' rating to a " good '' rating. This lower score impacts my ability to get a loan and causes me to pay more interest.

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 2017-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: CA

Complaint narrative:
Instance 1 Account name CHASE RECEIVABLES Account number XXXX Recent balance {$210.00} as of XX/XX/XXXX Date opened XX/XX/XXXXStatus Collection account. {$210.00} past due as of XX/XX/XXXX. 


In dispute XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Address identification number XXXX Original creditor CHASE RECEIVABLES Type Collection Terms 1 Months On record until XX/XX/XXXX Credit limit or original amount {$210.00} High balance $ XXXX Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XXXX First reported XXXX Responsibility Individual

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Company has my name wrong and Ive never lived at address shown, also account shows closed but still showing on 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
Consumer complaint received 2017-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am in XXXX XXXX for an account at Bank Of America. I closed that account with a XXXX balance. I am unable to open a bank account with other banking institutions because of this.

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 2017-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FORD MOTOR CREDIT CO.
State: SC

Complaint narrative:
For the last couple of weeks, I have been in contact with Ford Credit. I explained my husband was XXXX for a year and he was geographically challenged in the communication area. He had tried to make the payments and was getting a DNS server error. Meanwhile I was talking to Ford Credit and making them aware that he was XXXX with communication problems. I also explained that Im not on his bank account and they needed verbal confirmation from him in order to take a payment from me. I was having trouble connecting with him to make this happen. Today, XXXX XXXX they repossessed my car and left me with a husband whos XXXX, XXXX children, and no transportation. Im in the Country, so their is no public transportation. I called Ford Credit while they were repossessing my car and said to the gentleman that he was covered under SCRA being a XXXX XXXX with a unit for more than 180 days. This was also expressed in my communication with them prior to this day. I also told him to look at my communication over the last few weeks in regards to us trying to make the payment and he confirmed he was seeing that communication. We were only one payment behind coming up on our second payment when the communication about my husband being XXXX started with Ford credit. I left a message with my husband to call Ford while the guy was here for the repossession and that it was an emergency. He called Ford credit also and they told him that they needed a certified payment and thats why he was getting DNS server errors when he was trying to pay. They never once communicated this to me over the last few weeks, nor did they tell him? So weve been trying to pay all the while we couldnt have anyway because it had to be certified! My husband is in a remote desert area! How do they expect him to know this and why didnt anyone communicate any of this to us before the car was taken? Im thoroughly disgusted with Ford Credit and the way they handled this situation and their lack of concern for a United States Servicemember And his family.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-16 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Ally financial is reporting on all 3 of my credit reports. XXXX, XXXX, and XXXX all incorrectly. Balances of {$9500.00}. I have contacted this place on several different occasions and I have no progress in over a year. Just more bad comments to my credit reports. I have tried emailing the CEO of the company on more than one occasion, No responses on the date of X/X/17 and X/X/17. have sent disputes through all three credit bureaus and the better business bureau as well. Dates including X/X/17. X/XX/17 and XX/XX/17. I have one report showing my balance is paid in full, I have another report showing i only paid only a % of it. All reports show this account was closed over a year ago. No balances are correct. I have had no contact with this place, they have not contacted me, no letters, no calls, no correspondence. How is a closed account reporting negative payments? Is this even legal?? I got no notification of this action. I would like to demand proof of this debt, specifically the " alleged '' contract or other instruments bearing my signature and identification as well as proof as well as your proof of authority to collect and report this matter. Please evidence your authorization under 15 USC 1692 and 15 USC ( f ) in this alleged matter. Please provide a complete account history, including any and all charges added for collection activity.

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 2017-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Richard B. Maner, P. C.
State: TN

Complaint narrative:
My home was foreclosed XXXX/XXXX/2017 by the second mortgage holder. The first mortgage is currently with XXXX mortgage balance {$270000.00}. 
I 've spoken with XXXX and they were not notified other the property foreclosure sale and they are the 1st Mortgage Holder. I also did n't receive the appropriate 30 day notice that is required by Tennessee Code Annotated for the state of Tennessee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 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 — Problem with personal statement of dispute
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
2015. I didnt physically sign any documents with this company to grant me credit

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 2017-11-16 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
2015. I didnt physically sign any documents with this company to grant me credit

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 2017-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
This complaint regards the American Express Blue Cash Everyday credit card. In XXXX AmEx offered a sign-up bonus in which if you spend {$1000.00} within 3 months, you are promised a {$250.00} cash credit, as long as your account is in good standing. I opened up my Blue Cash Everyday card account in the first week of XXXX XXXX and met the threshold by XXXX/XXXX/XXXX, spending {$1300.00} on qualified purchases. I paid it back in full well within the 3 month period, thereby meeting all required conditions. However, after numerous calls, they keep repeating that it is being researched by specialists and my request is still pending. Every time I speak with an AmEx employee, they tell me I will definitely get my bonus, but after 6 months of calling them over and over, they tell me it is still pending and refuse to send me any official notification of such. These illegal practices are ongoing, since at least XXXX, and this is criminal behavior. 

I know from research on CFPB itself that thousands of consumers have made this exact complaint, and that AmEx knows it, and furthermore that the company has already been fined XXXX XXXX dollars to pay to 250,000 customers who have been defrauded by American Express ' illegal business practices. They have been doing this willfully and criminally, since at least XXXX and get away with it the vast majority of the time. Unfortunately CFPB 's statement that " 97 % of consumers get timely replies when we send their complaints to companies. ", does not take into account that In the case of American Express, a timely reply means nothing, and gets you nothing. I urge all who have been preyed upon to keep fighting, and pursue a class action suit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-16 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: OK

Complaint narrative:
On XXXX XXXX,2017 I sent a dispute to XXXX for an erroneous account on my credit report and they never responded to me, period. 

I also sent two disputes to Experian for the same thing. The first response I got from them saying that it had been updated/remains and that 's not what I asked for. Then, I sent a second dispute and they said they would re-investigate my dispute. Now something seems fishy about this because they never provided me with the info I asked for to begin with. 

I sent both letters certified plus I have copies of what I sent both bureaus.

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 2017-11-16 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: Stearns Ventures, LLC
State: VA

Complaint narrative:
XXXX is my case number with institution. 

I simply accessed my online account in XXXX of XXXX to switch auto-draft accounts from one bank to another. When doing so, the website explained that it would take 30 days to reflect the changes. What actually happened, is they removed the current banking information immediately and waited 30 days to update the new account. In turn, I was balancing my checkbook for the month of XXXX, and realized my mortgage payment had not been deducted. I called Stearns immediately. They stated that I was 32 days delinquent on my account. I asked why they did not attempt to contact me ( after verifying all of my account information was correct, something they ask every time you log in ). They had no answers. Why would they have not called or emailed if I was late? I resolved the payment issue immediately and asked them if they had reported it to the credit bureaus. They stated that they report 30 days delinquency ( essentially I was 2 days late ). I asked for a reversal they said I would have to dispute via an online application, which I did, 3 separate times. It is now 4 months later and I have not received correspondence to correct this issue. My credit score has dropped over 120 points for the one discrepancy. My score went from a XXXX to a XXXX overnight. I am now getting declined for premier credit cards ( which I had no problems previously ) and my student loans payment has increased by 1 full point as there is an adjustable rate which is dependent on your credit score as a factor. This is costing me a substantial amount of financial distress. I feel that Stearns should remove the delinquent report immediately. Their website verbiage was misleading, and they made ZERO attempt to contact me and allow me the chance to make the payment before reporting my delinquency to the credit bureaus. This is not fair practice as to the magnitude of troubles it has caused me financially.

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 2017-11-16 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: GA

Complaint narrative:
The 3 major credit reporting agencies are listing numerous Credit Inquities which are not linked to any accounts that I am a holder of. I am Im the process of trying to purchase a home and these Inquiries are an issue. I understand that an inquiry should not be on my file unless I have authorized it so I am kindly requesting that these be removed from my credit because it is making it difficult for me to proceed with home ownership.
The FCRA states that the only permissible purpose for pulling someones credit is for : 1. Firm offer of credit.
2. Insurance.
3. Court Order.
4. Employments.
The following Inquiries are not related to any of the aforementioned permissible and I would like them to be removed. Some of these Inquiries are so closely dated that I am certain they are unauthorized.
1. XXXX XXXX DatedXX/XX/XXXX ( 3 Bureaus ) 2. XXXX XXXX Dated XX/XX/XXXX ( 3 Bureaus ) 3. XXXX XXXX XXXX DatedXX/XX/XXXX( XXXX ) 4. XXXX XXXX DatedXX/XX/XXXX ( XXXX and XXXX ) 5. XXXX XXXX DatedXX/XX/XXXX ( TransUnion ) 6. XXXX XXXX Dated XX/XX/XXXX ( 3 Bureaus ) 7. XXXX XXXX  DatedXX/XX/XXXX( 3 Bureaus ) 8. XXXX Dated XX/XX/XXXX ( XXXX ) 9. XXXX Dated XX/XX/XXXX( XXXX ) 10. XXXX Dated XX/XX/XXXX ( TransUnion ) 11. XXXX Dated XX/XX/XXXX ( TransUnion ) Please do not hesitate to correspond with me if you need further information and I am grateful for your kind assistance.

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 2017-11-16 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: GA

Complaint narrative:
The 3 major credit reporting agencies are listing numerous Credit Inquities which are not linked to any accounts that I am a holder of. I am Im the process of trying to purchase a home and these Inquiries are an issue. I understand that an inquiry should not be on my file unless I have authorized it so I am kindly requesting that these be removed from my credit because it is making it difficult for me to proceed with home ownership.
The FCRA states that the only permissible purpose for pulling someones credit is for : 1. Firm offer of credit.
2. Insurance. 3. Court Order. 4. Employm
ents.
The following Inquiries are not related to any of the aforementioned permissible and I would like them to be removed. Some of these Inquiries are so closely dated that I am certain they are unauthorized.
1. XXXX XXXX DatedXX/XX/XXXX ( 3 Bureaus ) 2. XXXX XXXX Dated XX/XX/XXXX ( 3 Bureaus ) 3. XXXX XXXX XXXX Dated XX/XX/XXXX( XXXX ) 4. XXXX XXXX Dated XX/XX/XXXX ( Experian and XXXX ) 5. XXXX XXXX DatedXX/XX/XXXX ( XXXX ) 6. XXXX XXXX Dated XX/XX/XXXX ( 3 Bureaus ) 7. XXXX XXXX Dated XX/XX/XXXX( 3 Bureaus ) 8. XXXX Dated XX/XX/XXXX ( Experian ) 9. XXXX DatedXX/XX/XXXX ( XXXX ) 10. XXXX DatedXX/XX/XXXX ( XXXX ) 11. XXXX Dated XX/XX/XXXX ( XXXX ) Please do not hesitate to correspond with me if you need further information and I am grateful for your kind assistance.

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