vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-15 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: NY

Complaint narrative:
I am a victim of identity theft. My office was broken into and several identity documents were stolen. The following inquiry showed up on my credit report and was not authorized by me and was made without my knowledge or consent. I have attached a copy of the police report. 

XXXX XXXX Date : XX/XX/2016

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 2018-04-15 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: GA

Complaint narrative:
XXXX XX/XX/16 XX/XX/16 Never gave permission to run my credit. They did it twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 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: GA

Complaint narrative:
XXXX XXXX XX/XX/17 XXXX XXXX XX/XX/17 XXXX XXXX XX/XX/17 XXXX XXXX XXXX XX/XX/17 XXXX XXXX XXXX XX/XX/17 All inquiries, I never gave permission to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 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: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: WA

Complaint narrative:
Please see complaint XXXX for background. The credit company listed in previous complaint would not answer my attempts to resolve debt. New York HESC passed the claim my account to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. All communication between myself and NY HESC documented in previous complaint. They then sold my debt at of XX/XX/2018 to XXXX. They ignored multiple communications from myself attempting to resolve this debt and have now passed along my details to another debt collector who has added additional collection fees. The debt keeps raising and no one is willing to resolve this debt because they say it is no longer theirs, as XXXX XXXX did on the original complaint. Is this behavior legal because it appears to be a manipulation to extort additional fees and an active ignoring of my attempts to resolve this debt. This pattern began with XXXX XXXX and has continued.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 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 — Investigation took more than 30 days
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I have disputed the reporting from XXXX XXXX XXXX. They have posted the same debt 2 ( {$190.00} and {$210.00} ) times on each of the 3 credit agencies, and yet it appears to be for the same account. I placed a dispute on XX/XX/XXXX. I have yet to receive a response to their investigation. According to the FDCPA rules, they should removed all items I have disputed with XXXX XXXX XXXX.when the investigation takes longer than 30 days!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 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: NY

Complaint narrative:
I am a victim of identity theft. My office was broken into and several identity documents were stolen. The following inquiry showed up on my credit report and was not authorized by me and was made without my knowledge or consent. I have attached a copy of the police report. 

Capital One Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Presently I am current on my primary mortgage loan with Wells Fargo. On occasion, I have taken up to 30 days to make a payment. The Wells Fargo company artificially requires payments to be made within 15 days of due date. Since I have taken up to 30 days to make some payments, Wells Fargo imposes a {$160.00} late fee. I have requested that they forgive the late fees. There is a precedence that would allow up to 30 days without penalty for every other financial institution I have ever encountered.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-15 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX placed a collection on my account for the amount of {$8300.00} with all 3 credit reporting agencies. I placed a dispute indicating that the vehicle was turned in and sold to covver the balance. The dispute was filed on XX/XX/2018. I have yet to hear anything from any of the agencies regardsing these disputes. According to the FDCPA, and dispute/investingation listed longer than 30 days must be removed from my credit report. I am requesting that this be the case!

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 2018-04-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
Was contacted by phone in XX/XX/XXXX, threw conversation with a person from the company determined that my social security number and date of birth that I was not the person they were looking for. The debt owed was for college loans and I never went to college.They continued to mail me letters asking for payments, that are not mine, at least three or four letters, the last dated XX/XX/XXXX. I have called at least three times and asked them to stop harassing me. Each time we established I was not the person they were looking for and they said it was taken care of.

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 2018-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
This account is a joint account between me ( XXXX XXXX ) and my wife ( XXXX XXXX ), we have this account since XX/XX/XXXX, XX/XX/XXXX my wife lost her job, we went through hardship time, we were make payment on time for all credit cards, other creditors helped us to keep credit cards open and make payments, Chase Freedom credit card did cooperate with us. In XX/XX/XXXX the account was overdue around {$530.00}, we receive a phone call from Hardship Department at Chase Freedom service, they gave us an offer to pay {$380.00} and schedule the remaining overdue balance on XX/XX/XXXX, in the mean time they will wave three months of interests, this deal will make the account current and will be able to use the card as soon as we make payment of {$380.00}. However, when we made {$380.00} payment as agreed, they close the account and did not fulfill their promise to wave three months of interest, when I called, they claim the representative can not offer such thing, after they listen to phone call, they agreed to wave part of the interest, and refuse to reopen the account. On XX/XX/XXXX we agreed to liquidate the account, they calculated the monthly payment of {$96.00} based on the balance ( {$4200.00} ) that day, we made the first payment {$100.00}, and second payment {$96.00}, however the account was showing overdue {$92.00}, I called them ( XX/XX/XXXX ) they claimed that representative was mistaken, after they listen to phone call, they promised us after we make XX/XX/XXXX payment they will take care of issue, after we made XX/XX/XXXX payment I called them, they claim the representative was mistaken again and they can not fix the issue, I asked for a supervisor, after he listen to phone call he promised to fix the issue, and he emailed another department to correct it while I am on the phone with him. After a week we check the issue was not fix, after they listen to phone they claim supervisor mistaken can not be correct. I spoke to a branch manager, he created a case, two days late a representative contacted me, she stated that this issue will resolved by card services only. The balance on this account is {$4100.00}, more than {$1500.00} interest and late fees because of customer services commitment they did not fulfill, they time we were waiting for they to correct the issue. Today XX/XX/XXXX they called us and refuse to fix the issue and asked us to pay the overdue balance and late charges they added this month. We founded that they reported that the account was late in XX/XX/XXXX, even we made a payment of {$380.00}, and late in XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
On XX/XX/XXXX I went to my PayPal account to make my payment, but the credit link was not there. I thought it might be a glitch, so I tried again on XX/XX/XXXX, with no luck. On XX/XX/XXXX, or XX/XX/XXXX, I tried again. Still no credit link, so I called customer service. The woman I spoke with said that PayPal had done an internal audit, and found that I had filed bankruptcy. The account was closed, and I could no longer make payments to that account. I said that didnt make sense, and that I wanted to speak with her supervisor. When he got on the phone he said that because I had filed bankruptcy in the past, I should have never gotten credit to begin with. So in accordance with PayPal rules, and regulations the account was closed, and written off, and I was no longer responsible for that account. I asked for written confirmation to that fact. He said he would send me an email, but all I got was an email saying that I had a message in my secure PayPal message. I went to my messages, and there was no message. 
When I checked my email the night of XX/XX/XXXX, I received an email that my PayPal account was available again. After being told that it was closed, and written off 6 weeks before. So I called back on XX/XX/XXXX, or XX/XX/XXXX, and was told that oops, we made another mistake ; I was responsible for the account again. 
This is wrong. PayPal shouldnt be able to do that. 
I am XXXX, and live on a fixed income. I have been trying to pay off my credit accounts, so when that supervisor said it was closed, and written off I expected it to stay that way. 
I have been trying to find someone that could help me with this problem since I found out about it, but no one has been able to help me. Then I called the XXXX, and they told me to contact the CFPB. I hope you can help me with this problem. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-15 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: MO

Complaint narrative:
I have been calling Transunion & XXXX  regarding the multiple unauthorized inquiries on my credit reports due to identity theft but they refuse to investigate. I was told I need to contact each company and dispute with them & have them to forward a letter to them for removal. I have provided my theft report also have fraud alerts on all of my credit bureaus. Also I have advised them they are still allowing unauthorized inquiries on my credit reports. I am demanding this information removed asap this is damaging to my credit. This is fraud, I have included a list of the fraudulent accounts to be removed

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 2018-04-15 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA Banking Auto Loan Department keeps sending Collection and Late notices for XXXX XXXX XXXX which USAA totaled on XX/XX/XXXX. 

USAA sent Repro Agent by our Home on XX/XX/XXXX to collect the XXXX XXXX XXXX which was still at the Repair Shop XXXX XXXX XXXX XXXX. 

USAA totaled the XXXX XXXX XXXX on XX/XX/XXXX per their letter and has been sending Customer threatening letter regarding collection and repossession even after USAA totaled the Vehicle. 

Customer responded back to USAA on XX/XX/XXXX and informed them of the entire situation and the fact that XXXX XXXX totaled the Vehicle. The Customer notified the Bank first thing after the accident happened to ensure the USAA Bank was communicating with XXXX XXXX Adjuster to payoff loan as stated by XXXX XXXX ( Bank Officer ) and XXXX ( Adjuster ). 

USAA continued to let XXXX XXXX XXXX  XXXX complete repairs on a Vehicle they totaled. The total of repairs {$22000.00} on a Vehicle worth $ XXXX 95 % damaged and USAA wants the Customer to still pay the loan on a Vehicle which has lost over 90 % of it's value and now has a Totaled Title. 

The title and keys were sent back to USAA per their request so the responsibility of the Vehicle is with USAA since they took ownership and kept on paying the Shop even after the Customer told the Shop to stop all repairs on XX/XX/XXXX. 

Why does USAA Bank Auto Loan Department feel that the Customer is still responsible for the Loan payment on a declared Totaled Vehicle? Why did USAA not perform its obligation and responsibility to the Customer as stated in their Total Loss Letters?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
XXXX XXXX which manages the card I used through XXXX XXXX charged 28 % interest on a 12 month same as cash purchase from XXXX. My total purchase price was {$13000.00} of which I made on time and regular payments each month leading up to the end of the promotion. Unfortunately I missed the cutoff date to pay off the account and was charged {$3800.00} in interest. I have tried on several attempts with XXXX XXXX to get the interest removed and paid the full amount due while I was discussing this situation with XXXX. I was lead to believe that they would remove they full amount if I paid the account balance off but that did not occur. I would never ( and never will again ) use this service given the predatory rates and practices at XXXX. 

Research done through XXXX also shows a history of poor service and unfairly high interest rates which has earned XXXX a rating of D+. I'm sure they would have an F if allowed to give them 0 stars instead of min of 1.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 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: IL

Complaint narrative:
Only Experian credit bureau has been reporting a Public Record file on my credit report as a result of identity theft which they were previous made aware of. This company shouldn't be entitled to enforce inaccurate credit information on my credit profile. They were made aware before, someone with a similar name credit file was merging with my credit report as a result of identity theft. The accounts have since been removed but this 1 Public Record still exist. I pulled a PACER- Public Access to Count Electronic Record ( attached in file ) which clearly shows an address that doesn't belong to me ( or on my credit report ), and nor does it show a full SSN to fully identify a true match. 

I tried resolving it through Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( same letter again but with a birth certificate as they requested ), and XX/XX/XXXX. I even went as far as contacting the Illinois XXXX Bankruptcy Courthouse on XX/XX/XXXX via phone and letter directly, and received a written response that stated, " ... In order to obtain a debtors full social security number, a third party must file a motion with the court to unseal documents related to a case. This would be very unusual and does not happen on a regular basis, and our database does not have any records for an exact match of you ... '' I sent the documentation over to Experian, and they still have not responded back with a removal.

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 2018-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: AL

Complaint narrative:
LexisNexis has not taken the necessary steps to correct information given to XXXX XXXX about an accident I was involved in on XX/XX/XXXX. The report has it listed as an At Fault Accident although it was not. The accident report taken by the police states that the other driver admitted he swerved in front of me causing me to hit his vehicle. Also, the claims representative that handled the claim agreed that it was NOT an At Fault accident yet, LexisNexis, XXXX, etc. has it listed as such. Again with another accident on XX/XX/XXXX, which was weather related, is also listed as an At Fault accident. My insurance quotes and rates have been ridiculously expensive averaging around $ 400/mo. because this issue has not been corrected or resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I requested Validation for a Bankruptcy that isn't mine, XXXX was verifying it was verified I contacted the court was told they don't have or provide any information to the credit bureaus, I was notified this was removed by my credit monitoring the inaccurate bankruptcy was removed between XX/XX/18-XX/XX/18 & without notice from XXXX was placed right back on the same day with no notification or reason why? this is a violation of the FDCPA & FCRA I am requesting this removed immediately or my next recourse will be legal assistance, This information isn't accurate.

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 2018-04-15 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: MO

Complaint narrative:
I have been calling XXXX  & Equifax regarding the multiple unauthorized inquiries on my credit reports due to identity theft but they refuse to investigate. I was told I need to contact each company and dispute with them & have them to forward a letter to them for removal. I have provided my theft report also have fraud alerts on all of my credit bureaus. Also I have advised them they are still allowing unauthorized inquiries on my credit reports. I am demanding this information removed asap this is damaging to my credit. This is fraud, I have included a list of the fraudulent accounts to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I bought a car from XXXX  XXXX a XXXX XXXX XXXX Im being charged payoff {$15000.00} My payments are {$420.00} per month Principal XXXX month interest {$280.00} Im XXXX years old, XXXX   issues and I take XXXX XXXX I was scammed and I need help from this horrible loan. 
I have a XXXX grade education ... widowed.live on social security Can you help me or guide me to fairness..and honesty Is it still out there? XXXX XXXX The company is Santander U.SA Out of XXXX Texas

Company response to consumer: Closed with explanation