vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I paid off the balance of my student loans on XXXX/XXXX/XXXX. Interest continued to accrue according to my navient account after my final payment. Saturday morning at XXXX MST they also debited my account for what was my typical monthly payment prior to paying off the remaining balance, overdrafting my account and leading to a rejected payment on my car loan. This resulted in overdraft fees and rejected payment fees. This charge was made two days earlier than my regularly scheduled monthly payment, in the early morning on Saturday. 

When I noticed that interest was accruing after my payment, I contacted Navient 's customer service department via their email contact service through my account describing the situation. I received an automated response that did not address the issue. After the Saturday morning wrongful charge to my bank account I attempted to contact them via phone immediately, to no avail, and submitted another email request. 

I have not yet been contacted in any way by navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02 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: OHara Holdings, LLP
State: PA

Complaint narrative:
On or about XXXX I noticed an unauthorized hard inquiry on my credit report from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NJ. ( XXXX ) XXXX. After repeated phone calls to this place I finally got a hold of someone there and was told they have no idea why this was done. At this time I had no reason to apply fro any type of credit be it by a new card or a purchase/ Calls have still gone unanswered from this place. I spoke with XXXX and they said I can not get this removed even though they furnished the info to these people unauthorized

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02 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: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
Auto Finance Companies used the shotgun approach on my credit report without telling me they did it and many still check my credit score without my permission .... My I have XXXX inquires on my XXXX credit score and XXXX on my XXXX XXXX On My XXXX mostly hard inquires That has drop my score and now im not able to get finance or a loan Im denied everything I want every finance company contacted

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 2017-12-02 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: PA

Complaint narrative:
On XXXX 2017 a unauthorized hard inquiry was performed on my credit report by XXXX XXXX XXXX in XXXX NJ. When I noticed this report I spoke with with Transunion about this and they said I would have to speak with the people involved to remove it. After numerous attempts I finally spoke with XXXX XXXX XXXX and was told they would " get back to me '' they never did/ Transunion provided this info to what I believe to be a scam or fraudulent company. I have made repeated attempts to get this removed and have since froze my transunion account because of this. Transunion is not will to do  anything to help me in this matter. I had no reason to apply for any type of credit at this time and it worrries me that my info is so readily doled out

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 2017-12-02 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: General Motors Financial Company, Inc.
State: AR

Complaint narrative:
Auto Finance Companies used the shotgun approach on my credit report without telling me they did it and many still check my credit score without my permission .... My I have XXXX inquires on my XXXX credit score and XXXX on my XXXX XXXX On My XXXX mostly hard inquires That has drop my score and now im not able to get finance or a loan Im denied everything I want every finance company contacted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-02 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: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
Auto Finance Companies used the shotgun approach on my credit report without telling me they did it and many still check my credit score without my permission .... My I have 70 inquires on my XXXX credit score and 40 on my XXXX 50 On My XXXX mostly hard inquires That has drop my score and now im not able to get finance or a loan Im denied everything I want every finance company contacted

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 2017-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is refusing to investigate claiming that they already have and will not do it again unless I have new information. I have rewritten all of my dispute letters with updated information and they are still refusing to investigate and remove the inaccuracies on my report and credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pathfinder Credit Services
State: TX

Complaint narrative:
PATHFINDER CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : ( Acct # XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB : On XXXX XXXX, XXXX I mailed Pathfinder PCS Credit Services a letter requesting validation of the above referenced account. In fact, I mailed this letter certified mail to provide proof of delivery. On XXXX XXXX, XXXX, this parcel was, indeed, delivered to Pathfinders address as indicated by USPS tracking number ( XXXX ). In that letter I did not refuse to pay, I simply wanted to invoke my rights under XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which grants all Texas residents the right to a proper validation within a thirty ( 30 ) day time frame. If a collection agency cant provide a proper validation, then said account ( s ) must be deleted from all three credit reporting agencies. Moreover, Pathfinders attempt at a proper validation, has  fallen short of the XXXX full legal guidelines thus violating my consumer rights as a resident of the state of Texas. 

Secondly, because Pathfinder werent able to do such a thingto be exact, this very rouge third party collection agency failed to provide a proper debt validation within 30 days, the trade line was supposed to be deleted from all three major credit reporting agenciesXXXX XXXX and XXXX. As of today, they are still reporting this negative trade line on my credit reportsthis being the case even after they received a second correspondence from me on XXXX XXXX, XXXX, informing them that their attempt at a proper validation had fallen short of the legal 30 day time frame. Again, this letter was sent certified mail ( XXXX ) and was delivered in XXXX XXXX, FL XXXX their companys domicile. The reason for the second letteras posit by the XXXX XXXX XXXX XXXX to give them ample enough time to cure notice, which again they failed to do. 

As it stands today, this very rouge debt collection organization is in multiple violations of the XXXX XXXX XXXX XXXX ; mainly for failure to provide a proper validate within a 30 day time period. '' In final, Im in the process of taking legal action against this organization in XXXX XXXX, Texas for multiple violations of XXXX XXXX and Deceptive Trade Practices-Consumer Protection Act XXXX of the Business and XXXX XXXX. Please be aware, I will be filing a civil lawsuit against this company for multiple violations of the XXXX XXXX XXXX, ( including but in no way limited to this organizations failure to obtain a XXXX bond in the amount of {$10000.00} ) and its failure to procure a business license in the state of Texas, both for which are mandated under Texas State law. In addition, Im in the process of filing formal complaints with the BBB of XXXX XXXX, FL, the Federal Trade Commission, and the Texas State Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: LA

Complaint narrative:
This company is claiming that I owe them {$2600.00} for an apartment that 's in XXXX when I 've been a Louisiana resident since the day that I was born. This company claim to have a copy of my signature with someone else 's signature as well. I have never even heard of this company. Somehow they 've gotten my fathers address and are sending things to him when I have n't lived at that address in years. How can two people both owe {$2600.00}, if anything that debt should be split amongst two people. When asked to validate this debt, they sent me a copy of a lease with a signature that 's not even mines. The dates that they are claiming I " moved '' in is impossible because I started my lease where I live now in XXXX. I ask that this company take the time to investigate this issue or Remove this debt from my credit reports, because I do not owe anyone {$2600.00}. I also, DEMAND that this company send me an agreement proving that they have the right to collect on this debt that I supposedly owe. If this matter is n't handled properly, I will be forced to report to the Federal Trade Commission.

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 2017-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I submitted a complaint previously. Please refer to XXXX # XXXX. Please note all documents have previously been submitted to CFPB. 
Neither financial Institution XXXX XXXX or Citizens Bank have resolved this issue to date. Two insurance checks were stolen and the funds have not yet been returned to me. The individual that stole the checks have basically gotten away with fraud and thievery.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On Thursday, XXXX XXXX, XXXX I deposited a check on my JP Morgan Chase Personal Checking Account drawn on XXXX XXXX from a Government Agency, XXXX XXXX XXXX for {$2300.00}. I was told that the entire check would be held for 7 business days by the system from the branch teller but they could not say why. They suggested I call Corporate to find out about getting it released. 

I contacted Chase by their secure message system and they told me it showed to be released on XXXX. On XXXX, the funds were still not available and my account went into a negative balance. 

The money was already swept electronically by Chase by XXXX and this is a deliverate fraud to use my money for 11 days and collect interest on it. 

I ask for an investigation to JP Morgan Chase Bank practices of holding collected funds from the account holders as I am sure this is a Nationwide practice. 

Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: McCarthy, Burgess & Wolff, Inc.
State: IL

Complaint narrative:
Checked my credit and saw this collection agency. I have not received anything about a debt. Please provide certified confirmation of delivery. And please provide license to do business in Illinois XXXX XXXX XXXX. it 's against the law to report unfairly on one 's credit report. Please delete this account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: INTEGRAL RECOVERIES, INC.
State: TX

Complaint narrative:
I received a letter from this collection agency saying it was on behalf of the XXXX dept of revenue. it looked like a scam, but I called XXXX immediately to verify if it could be real ... it is. I then made immediate action to communicate with XXXX and XXXX for XXXX  XXXX XXXX XXXX and also called this collection agency to inform them i am taking immediate action to resolve this issue with XXXX. The collection agency wont give me any 'grace period ' so I can get this resolved with XXXX and they continue to threaten me. I just found out about this!!! XXXX revenue needs forms from the IRS sent to them to fix this issue and the IRS has my request and states they need up to 2 weeks to get me the response, and then XXXX says they have 30 days to review. the collection agency says they are moving to garnish my wages, issue liens, etc!!! I have excellent credit score and NO history of evasion of any of my responsibilities. In a couple of months this can all be resolved .... and in a couple of months this collection agency can do me great harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02 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: Americas Car-Mart, Inc.
State: AR

Complaint narrative:
Auto finance companies use the shot XXXX approach on my credit report Now I have several hard damaging inquires on my report cause me to be denied for anything I apply for

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02 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: Exeter Finance, LLC.
State: AR

Complaint narrative:
Auto finance companies use the shot XXXX approach on my credit report Now I have several hard damaging inquires on my report cause me to be denied for anything I apply for

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02 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: Garcadia Financial LLC
State: AR

Complaint narrative:
Auto finance companies use the shot XXXX approach on my credit report Now I have several hard damaging inquires on my report cause me to be denied for anything I apply for

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am a XXXX yr old successful independent businessman who has a major issue with Chase bank who refuses to grant me a simple revolving credit card even though i have been a customer for a decade with no issues. It is impossible to express my frustration even though i have disputed a item which was not mine, and have clearly maintained active and accounts in good standing i can not get a simple card to begin to build credit. i do not intent to abuse it. nor over use it. just to be like most people and get a chance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02 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: General Motors Financial Company, Inc.
State: AR

Complaint narrative:
These companies used the shot gun approach on my credit report with consenting me its damaging to my score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: ACS Education Services
State: VA

Complaint narrative:
my issue is with conduent. my original student loan was opened in XXXX. I have been going to school and all loans were deferred. i got ill with XXXX in XXXX XXXX and stopped going. 99 % of my loans were with XXXX and they contacted me about repayment. when i called them they told me how i needed to handle it. ACS apparently sold my loan to conduent. In XXXX XXXX i called the XXXX, XXXX and New york after discovering a late reporting on my credit bureau. Nobody could help me. The customer service associate said they only handle investment accounts. 

About two days after the phone calls I get a bill from Conduent. The bill was for a minimum payment of over {$300.00} and said i was already delinquent. I called conduent on XXXX XXXX, XXXX and was told to write in to emailsupport about Account XXXX. I told them this debt is being disputed because 1 ) i do n't know if its mine 2 ) i never got a bill. 3 ) according to one credit bureau this is still being deferred. 

They wrote back saying they are required to report accurate information. i re wrote sending a screen shot of my credit bureau and advising i never got a bill before now. they responded by calling me someone else name and still said they would not assist. 

My name is XXXX XXXX. the account # is XXXX with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OH

Complaint narrative:
my personal loan with one main financial was paid off early XXXX by mariner finance as I needed a slightly larger loan to do home improvements. I sat down with XXXX and called the XXXX XXXX one main financial office, and they faxed the current payoff to marnier. I then signed the loan paperwork with XXXX and XXXX hand delivered the payoff check that day to One main. I just received a bill from one main stating that although I made a large payment i 'm still expected to make my monthly payment and that I still owe {$1700.00} which is clearly impossibly, when I do the math though this would be the total interest I would have been charged if I took the loan with one full term. That is illegal you can not precharge a customer interest. IF the payoff they faxed mariner was not correct then that is on them, they have a responsibility to send a correct payoff at the customers request. This loan needs to marked paid as full, and I better not receive a late fee or incur anymore interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Firstsource Business Process Services, LLC
State: MD

Complaint narrative:
I called a month and a half ago and asked to plesse stop my automatic payments. I paid half the bill but I ran our of money. I said I would call to set payments back up in the future. I looked at my account and they took money anyway.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02 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: AR

Complaint narrative:
These companies used the shot XXXX approach on my credit report with consenting me its damaging to my score

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I am a member of PNC Bank and on XXXX XXXX, XXXX I noticed that there was a {$7.00} fee classified as a calculated service charge on XXXX/XXXX/XXXX. I called customer service and was surprised to find out that my account terms that I had opened XXXX/XXXX/XXXX had changed XXXX/XXXX/XXXX. The bank only notified me of the change by inserting the change on XXXX XXXX, XXXX online statement that I had overlooked. There was no notification that the terms that I had agreed to had changed by mail, branch, email, or phone. No separate notification or message through the online banking system. I feel that they should have tried more or sent out notifications or text message. I was charged the {$7.00} fee 4 separate times out of 6 months. The bank agreed to waive the fee twice. So I am out a total of {$14.00} plus the time to call them to straighten it out and file this complaint online.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MA

Complaint narrative:
Their website does not include the loan interest rate and whether it is variable or fixed. Also, student loans should be required to show you the interest that is accruing each month, just like credit card company statements. When I inquired with the company they would n't tell me whether it was variable or fixed. This is a deceptive business practice designed to trick students and must be stopped.

Company response to consumer: Closed with explanation