vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I opened a secured credit card with Capital one in XXXX of 2016. At the time that I opened the card I was told that a security deposit was required as collateral for the secured line and that I would be reimbursed the initial deposit and be able to keep the same account once I graduated to the unsecured card. I deposited {$200.00} and received a line of {$400.00}. I called sometime last year to inquire about a {$200.00} line increase that I got taking my line to a balance of {$600.00} and was told that my card was upgraded to an unsecured credit card due to having qualifying credit. At that time I asked whether I would be able to recieve the deposit that I initially put down and was told that I would not be able to but would recieve a notification by email when I would be able to. Today, a year later from that time I called again regarding being able to get my money back. My call was escalated to a manager who told me that In order for me to recieve my security deposit back I would have to close the card and I would NOT be eligible for future credit lines with the company ( despite having qualifying credit ). So not only did I recieve erroneous information at athe time of application but rather than finding a favourable resolution, I was told that my account would have to be closed with no options for future business despite having a good credit score. The most concerning part of this situation for me is that if I close the account it would have a negative impact on my credit score. I would have never opened the credit line had I known that I would have to close the account and risk having it impact my score as well as recieve my money back, had I known that that was the case.

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: Navient Solutions, LLC.
State: SC

Complaint narrative:
I received student loans with the understanding that my loan would be forgiven after completing 5 consecutive years of XXXX  as a highly qualified XXXX, in a XXXX XXXX XXXX, and in a needed subject area. I have completed these requirements during the last five XXXX   years. Navient fails to recognize my last year of XXXX  stating that the XXXX  in which I XXXX was not a XXXX XXXX XXXX. I have explained to Navient that the XXXX  in which I taught in the XX/XX/XXXX-XX/XX/XXXX XXXX  year was recognized as a XXXX XXXX XXXX when I signed my contract in XX/XX/XXXX. It is my understanding that a 90 day attendance count is used to determine the eligibility of a XXXX  to be considered a XXXX XXXX XXXX for the current XXXX  year. At the 90 day period, the XXXX  where I XXXX  for my fifth consecutive year was not at the XXXX XXXX XXXX level. I attempted to file my request for loan forgiveness with Navient on three separate occasions. The first two times the paper work was rejected due to clerical errors. On my third attempt, Navient informed me that my last year of XXXX did not qualify because the XXXX  was not listed on the Federal list of XXXX XXXX XXXX. I attempted to explain this to Navient loan officials to no avail. The loan is now in forbearance until this matter is settled. I feel that I have complied with the terms of the provisions of loan forgiveness as stated to me when I graduated.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, 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, Equifax and XXXX  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 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions 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 Experian, XXXX and XXXX 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: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I was doing a trade for a copy of XXXX XXXX, my end was 6 different bots + {$150.00}. 
I had paid him and then he proceeded to block my account and I couldn't message him or do anything at all. I called PayPal, and set up a dispute, but they refused to let me have my money back. I paid him pretty much for nothing. It's a scam because he blocked me and hasn't talked to me for the past couple of hours even after I gave him my end of the deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
on XX/XX/18 a amount of {$450.00} was processed on XXXX and another one of {$100.00} on XX/XX/18. never received anything in return to the money. Bank said they couldnt do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am beyond exhausted with all my efforts to resolve this matter with ability to recovery for a number of months. I have gone back and forth trying to find a solution to remove this account off my consumer reports, but with no response. I have been advised to contact an attorney to file suit for damages, that I am entitled to under the FCRA. I have absolutely no knowledge of these derogatory marks on my report. This has been completely devastating to me and my family due to the fact that I am homeless because of how this is affecting my credit score.

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 card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My Wells Fargo Credit Card is being declined for the past two months for at least 8 times. I have called various department of Wells Fargo. Wells Fargo is not doing anything to fix the problem. 
I am embarrassed every time my card is declined. This decline waste my time and seller 's time. And also waste my time again when I call wells Fargo Bank. 

Their customer service department is not friendly and even rude as if I am calling to pay debt to them.

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My problem is that's Equifax refuses to remove XXXX XXXX  from my credit report I have made several attempts to get it removed. I have sent in court documents from when I was being sued for the remaining balance of a car that I never agreed to have in my name.. the judge dismissed the case against me without prejudice.. because it doesn't belong to me.. the other two credit agency 's have already removed it!!! 
but Equifax said that XXXX XXXX  said that the information is correct.. that can't be the case since the other two have removed it already.. this is stopping me from buying a house..

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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion has supplied ( via XXXX ) a proprietary XXXX XXXX ( SM ) report about my credit score and other information ( available credit, utilization, etc. ). I have attached a copy of this webpage report to this complaint. See Page 2 of the attached PDF.

One of these variables is " Depth of Credit. '' This portion of my report should state a number. For example " 10 years. '' However, it says " NaN years '' which is not a number. In fact, it is likely an arithmetic error in computer programming. 

I have called XXXX multiple times and they have forwarded my complaints to TransUnion. I called TransUnion multiple times at XXXX or XXXX without resolution. I even reached a person named " XXXX '' in XXXX and was told I would receive a swift resolution but I did not.

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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a dispute with Experian regarding a Collection acct ( XXXX XXXX XXXX ) on my report, that does not belong to me. Experian says the debt is mine, but has not sent me anything validating this debt.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My personal information was compromised from the XXXX XXXX XXXX XXXX XXXX XXXX data breach that occurred on XX/XX/2018. I reviewed my Experian credit report and there are fraudulent and unauthorized credit inquiries listed on my Experian credit report that are fraudulent, unauthorized, not mine, and from the XXXX XXXX XXXX XXXX XXXX XXXX  data breach. The Following credit inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX, XX/XX/2018, XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX XXXX XXXX, XX/XX/2018, and XXXX XXXX XXXX, XX/XX/2018.

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: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NATIONWIDE ACCEPTANCE LLC
State: AZ

Complaint narrative:
Company has called 23 times in 48 hours left 8 voicemails NOT identifying the company they are with. Most calls are back to back with in 1-4 minutes of each other. I am in able to answer calls during business hours of XXXX XXXX to XXXX XXXX MST due to my own working hours or due to my location. I have made payment arrangements with the company and will call to make payment over the phone when I am available to do so not at their convenience. This is my first late payment and this is how you are treated. Wow what a sad disappointing company. If I could refinance elsewhere I would IMMEDIATELY! DO NOT FINANCE WITH NATIONWIDE ACCEPTANCE CORP.

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 — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX has supplied ( via Chase.com ) a proprietary XXXX XXXX ( SM ) report about my credit score and other information ( available credit, utilization, etc. ). I have attached a copy of this webpage report to this complaint. See Page 2 of the attached PDF. 

One of these variables is " Depth of Credit. '' This portion of my report should state a number. For example " 10 years. '' However, it says " NaN years '' which is not a number. In fact, it is likely an arithmetic error in computer programming. 

I have called Chase multiple times and they have forwarded my complaints to XXXX. I called XXXX  multiple times at XXXX or XXXX without resolution. I even reached a person named " XXXX '' in XXXX and was told I would receive a swift resolution but I did not.

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 is not yours
Company: Credit Corp Solutions Inc.
State: OH

Complaint narrative:
I am filing a compliant against Credit Corp Solutions Inc with the CFPB, I am compelled to demand that you provide communication exclusively through printed letter on the status of ownership and how was the account assigned to your office. However, in my records I am STILL unable to locate documentation that Credit Corp Solutions Inc ARE IN COMPLIANCE WITH XXXX LAW 1319.12 Taking assignment of debts. I still do not have any records of OWNERSHIP from the unknown Third Party collections agency ( Credit Corp Solutions Inc ) Please contact me about this debt in writing, to me at home. If this reasonable request can not be met, this may indicate Credit Corp Solutions Inc. disregard for consumer protection statutes. The correspondence has no reference to the transfer of title of ownership ( Bill of receipt, lien, UCC-1, UCC-3 ) I request that you send me the proper proof that what you are reporting is true, or if you can not, to immediately remove it from my credit report. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for improper reporting of information to the credit bureaus regarding my credit history, actual defamation damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. You have severely limited my ability to close on my home purchase.In addition, court case opinion XXXX. XXXX XXXX by the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, the court ruled that the creditor has the responsibility to investigate and make sure that correct information is being reported to the bureaus, and that the consumer has a right to sue under the FCRA, should his or her rights be violated. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. I look forward to an uneventful resolution of this matter. I have attached a CREDITOR DISCLOSURE STATEMENT if you could file this out and return it

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: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: AL

Complaint narrative:
I spoke with debt collector-debt recovery solutions. I made a payment arrangement with this company and I agreed with this company to pay the amount of {$200.00} and that he promise me that when I pay this amount to this company. he said that he will close the account and update everything to the credit companies that never happened. then I spoke to this lady XXXX XXXX that is also employed with debt recovery solutions and I told her about the payment arrangement that I made with the guy that I spoke with. and she tried to tack on another {$35.00} and I told her that guy told me to pay that {$200.00} dollars and he would close the account has been paid in full and that he would up date everything with the credit companies showing that account has been paid .that never happened. on that cash cow account in which I paid the last payment of {$50.00} on the XXXX in which they did not send me a receipt that it was paid in full. and I am aware of the scare tactics they use to make the consumers afraid of them that they would take their car etc.. if they don't pay. and when it comes down to the elderly people and the older people they are afraid that if they don't do what these debt collectors say they would take what they have worked for all of their lives. because of the fear that they these debt collectors has put into their heart. it is not only me that they are doing this to. it is every one.

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 — Account information incorrect
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo, XXXX XXXX and XXXX reporting last payment date of XXXX. I never had any credit cards in default since XXXX. All cards paid in full and closed in the year XXXX. They deliberately moved the last payment date to the year XXXX so that I will be rejected for the low income cooperative. I was rejected for the low income cooperatives loan because of this falsified information. I am serving court documents to have you all appear in court. See  attached seven reportings of credit cards last payment in XXXX. Double reportings with different account numbers

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