vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I came into a XXXX XXXX car dealership on XX/XX/2019 with the intention to buy a XXXX XXXX that day, and had a pre-approval from XXXX  XXXX. I was introduced to the sales rep XXXX XXXX and I immediately explained to him what I wanted, that I had also been pre-approved by XXXX for a 3.99 % rate, and that I did not want to put one penny down. He said sure, they could roll everything in, and showed me a car that met my needs and had me fill out a credit application on their computer. I again, let XXXX know I had a pre-approval from XXXX. He assured me this was the process. Needless to say I met with the finance guy next and he tried to get me to sign documents that said i was paying an 8 % interest rate and it was from another bank. I let him know of this error and he acted surprised then finally came back with 3.9 % rate from XXXX XXXX. After coming home with the car I have found my credit was pulled by over 5 banks ( XXXX XXXX , XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , M & T Bank ) without my permission. These hard inquiries cost me a credit line already and have lowered my credit score. I am also very upset they have shared my credit history and personal information with other banks without my permission. I have tried in good faith to work with the dealership to have them removed but they are combative and show zero empathy for my situation. I have attached one of the emails I have sent, the credit application explanation I saw when authorizing the credit pull, and my pre-approval letter which I had showed the sales rep. 

My personal information including credit history, social security number, and income was shared without my permission. This needs to be fixed asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
In XX/XX/XXXX I obtained an auto loan through Santander Consumer USA. The total amount of the loan was just over {$11000.00}. I paid on time 82 % of the time I maintained the loan until XX/XX/XXXX. As a result in XXXX of XXXX Santander closed my account with them. Now in XX/XX/XXXX the car has been repossessed. I contacted Santander the day the vehicle was repossessed to discuss with then the vehicle sale options. They informed me that I owe then over {$10000.00} to buy the vehicle back. My complaint is that after 3 years of monthly payment of {$300.00} my loan was only paid down {$1000.00}. The gentlemen rep for Santander informed me that I was consistently paying late or making partial payments and those late or partial payments went all to Santander in interest and penalties. My problem with this is that they have themselves reported to my credit report that payments where made on time 82 % of the time and that if payments were made late they always charged a late fee of {$15.00} that was to be paid at the time of the late payment. At a payment rate if {$300.00} a month for 3 years I have paid Santander roughly {$10000.00} that that only paid off 19 % of my loan. Santander has mastered moving the goal post and I knew that I would pay off my car even in the 6 year life of the loan. At the end of the day I would have paid for the vehicle twice. I don't want this to happen to other people and I would hope something is done to stop this sort of predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: CT

Complaint narrative:
I was denied an employment opportunity due to an item listed as in collections in the amount of {$3900.00} as reported to the credit bureaus for XXXX XXXX XXXX. They have refused to enter of offer me the opportunity to arrange into a payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I am co-signer on my son 's loan but I make sure the payment is made each month and all his mail comes to my house. Recently I noticed that his name on the statement has changed which tells me that Wells Fargo has also changed his name on his loans without request or permission. I tried looking back as far as I could and it appears that this happened over a year ago. Now my son 's accounts have his first name and my middle initial and my last name. My son has never had my current last name. I work for a financial institution and I know this is not in compliance. I am furious. If I ever went in and just changed someone's name on their account I would be fired. I really don't understand how something like this could even happen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX has reported & verified with Trans Union that a mortgage account that went into foreclosure and should have been removed from my credit report XX/XX/XXXX due to age was brought current during a few months at the end of XXXX & beginning of XXXX when it was not. Court papers XXXX XXXX filed for the foreclosure on XX/XX/XXXX accurately reflect that the account was in default and never brought current. This account has been disputed numerous times with Trans Union, most recently in XX/XX/XXXX,  copies of the court papers XXXX filed were included in the dispute but XXXX keeps verifying incorrect information. The date of last payment is correctly shown as XX/XX/XXXX and no payments were ever made after that date. XXXX XXXX reports the account as " OK '' from XX/XX/XXXX thru XX/XX/XXXX and as of XX/XX/XXXX shows 120 days late. Their own reporting is a contradiction showing current in the 3 months preceding a report of 120 days late. Although I sent Trans Union the proof that XXXX XXXX is reporting and verifying incorrect information this account is still on my report when is should have been deleted XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I received a letter from XXXX XXXX XXXX attempting to collect a debt on a XXXX XXXX bank account that is over 12 years old. This is a fraudulent attempt to collect money for a debt that is no longer valid. 
XXXX XXXX doesn't care about this debt anymore and yet all this collection groups attempt to make some money off these invalid debts. 

Resurgent Capital Services is a collections agency which attempts to collect fake /old debt under many identities. Some of these identities are : LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: KEYCORP
State: NY

Complaint narrative:
I came into a XXXX XXXX car dealership on XX/XX/2019 with the intention to buy a XXXX XXXX that day, and had a pre-approval from XXXX XXXX. I was introduced to the sales rep XXXX XXXX and I immediately explained to him what I wanted, that I had also been pre-approved by XXXX for a 3.99 % rate, and that I did not want to put one penny down. He said sure, they could roll everything in, and showed me a car that met my needs and had me fill out a credit application on their computer. I again, let XXXX know I had a pre-approval from XXXX He assured me this was the process. Needless to say I met with the finance guy next and he tried to get me to sign documents that said i was paying an 8 % interest rate and it was from another bank. I let him know of this error and he acted surprised then finally came back with 3.9 % rate from XXXX XXXX. After coming home with the car I have found my credit was pulled by over 5 banks ( XXXX XXXX , XXXX XXXX XXXX, Keybank, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX ) without my permission. These hard inquiries cost me a credit line already and have lowered my credit score. I am also very upset they have shared my credit history and personal information with other banks without my permission. I have tried in good faith to work with the dealership to have them removed but they are combative and show zero empathy for my situation. I have attached one of the emails I have sent, the credit application explanation I saw when authorizing the credit pull, and my pre-approval letter which I had showed the sales rep. 

My personal information including credit history, social security number, and income was shared without my permission. This needs to be fixed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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: NC

Complaint narrative:
Hello, My name is XXXX XXXX XXXX and again, I am reporting incorrect account information on All three of my credit reports with XXXX, XXXX and EX. 
There are three trade accounts, which have been opened without my acknowledgement and are fraudulent. I have taken the liberty of contacting the Federal Trade Commission and am ready to take action against the agencies that continue to list these three account under my name without valid proof. 
This is not the first time I have been in contact with these agencies about this. 
I am requesting that effective, immediately all three of the below mentioned accounts be removed and deleted from my credit record - without delay! 

XXXX XXXX Opened XX/XX/XXXX. Bal of : {$12000.00} XXXX XXXX  Opened XX/XX/XXXX. Bal of : {$7000.00} XXXX XXXX Opened XX/XX/XXXX. Bal of : {$2900.00} I have been in continuous contact with all three bureaus and have received no assistance with these complaints. They have advised me that they will not removed the entries and have stated that they will NOT instigate or provide assistance, Even hung up the phone on me. I believe this fraud is actively knows with the bureaus and they too receive some sort of financial aid in playing a part of reporting items that they known to be fraudulent!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XX/XX/XXXX, I sent {$30.00} to a XXXX via PayPal. It was supposed to be in exchange for a festival ticket. The individual linked to that account, XXXX XXXX accepted the payment, but never had a ticket to offer. I sent a report to PayPal and they closed my dispute without any retribution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Hello, My name is XXXX XXXX XXXX and again, I am reporting incorrect account information on All three of my credit reports with TU, XXXX and XXXX. 
There are three trade accounts, which have been opened without my acknowledgement and are fraudulent. I have taken the liberty of contacting the Federal Trade Commission and am ready to take action against the agencies that continue to list these three account under my name without valid proof. 
This is not the first time I have been in contact with these agencies about this. 
I am requesting that effective, immediately all three of the below mentioned accounts be removed and deleted from my credit record - without delay! 

XXXX XXXX Opened XX/XX/XXXX. Bal of : {$12000.00} XXXX XXXX Opened XX/XX/XXXX. Bal of : {$7000.00} XXXX XXXX Opened XX/XX/XXXX. Bal of : {$2900.00} I have been in continuous contact with all three bureaus and have received no assistance with these complaints. They have advised me that they will not removed the entries and have stated that they will NOT instigate or provide assistance, Even hung up the phone on me. I believe this fraud is actively knows with the bureaus and they too receive some sort of financial aid in playing a part of reporting items that they known to be fraudulent!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Hello, My name is XXXX XXXX XXXX and again, I am reporting incorrect account information on All three of my credit reports with XXXX, EQ and XXXX. 
There are three trade accounts, which have been opened without my acknowledgement and are fraudulent. I have taken the liberty of contacting the Federal Trade Commission and am ready to take action against the agencies that continue to list these three account under my name without valid proof. 
This is not the first time I have been in contact with these agencies about this. 
I am requesting that effective, immediately all three of the below mentioned accounts be removed and deleted from my credit record - without delay! 

XXXX XXXX Opened XX/XX/XXXX. Bal of : {$12000.00} XXXX XXXX  Opened XX/XX/XXXX. Bal of : {$7000.00} XXXX XXXX Opened XX/XX/XXXX. Bal of : {$2900.00} I have been in continuous contact with all three bureaus and have received no assistance with these complaints. They have advised me that they will not removed the entries and have stated that they will NOT instigate or provide assistance, Even hung up the phone on me. I believe this fraud is actively knows with the bureaus and they too receive some sort of financial aid in playing a part of reporting items that they known to be fraudulent!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have disputed items that are incorrect on my Equifax credit reports. I sent a dispute in on XXXX which I never got a response from. I sent a no response to Equifax on XXXX to which I still got no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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: GA

Complaint narrative:
I was recently went to check out a new car at XXXX. After carefully consideration I was decided to apply for a loan for this car. I was decline for a good rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX XXXX Bankruptcy, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX. Inquiries : XXXX, XXXX XXXX. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
So i had my credit closed out of nowhere. Then when i went to check at the bank the person that helped me said to make sure if every information of mine was right and i saw they had my social security number wrong. Now i was using this card under a different social so i dont know how this happened and i am trying to build my credit as i just turned XXXX. I still have my other account with bank of america ive been with XXXX since over a year now

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Saturday, XX/XX/2019, I went to XXXX XXXX, XXXX, NY ; XXXX XXXX   for a dress. I was charged {$41.00} ; I was credited and charged a second time, then was unable to be charged. I called Chase and the customer service representative said that there was only one charge made at XXXX XXXX. I left the store and checked my Chase Bank account ( checking/Visa ) Sunday and Monday XXXX XXXX/XX/XX/XXXX, my account ( checking/Visa ) was still correct. 
On Tuesday I went to get a coffee and the XXXX XXXX cashier said my card was declined! I looked online and saw that my account was ( minus ) {$18.00}! I l called Chase Customer Service @ XXXX ; she said I had to file a claim because the store had charged my 465 times {$41.00} and CHASE LET IT HAPPEN! Chase called me back at XXXX XXXX and the claim rep said I had to call XXXX, that they can not do anything.. I let her know that I expected my money back and let me know what was going to happen. I spoke to XXXX at XXXX, the District Manager, XXXX answered, I told her what happened she said she would speak to her Manager and get it figured out. I waited and neither company called me back. At XXXX I called Chase and XXXX and left messages. I called Chase back and was given to a Claims Supervisor, XXXX, she stayed on the line with me for about 1:30 minutes working on resolving the issue but was unable to do all of the reversals because her computer would not let her access that many. I asked for her to call me back when it was figured out, she said probably not till Friday. I have NO MONEY, NO CHECKING ACCOUNTNOTHING! 
I spoke to XXXX corporate office in California and XXXX XXXX was trying to figure out a way to have my money refunded to my account that same day, Tuesday XX/XX/2019. He stayed to contact with me and had a meeting with Chase. Later that night around XXXX money had been credited to my account. I checked that next day Wednesday XX/XX/2019 and it was a little bit off but seemed as though everything was getting settled. Then I woke up today Thursday XX/XX/2019 and my account is now minus XXXX. XXXX is still charging me over and over again for the same dress, the same transaction number and it is not stopping and CHASE IS STILL LETTING THEM AND NOT EVEN CALLING ME! You will see some of the thousands of transactions being made. I included several pages but not all because the first time it was 465 times at XXXX and now today 1,000 times at XXXX!! 
This is why I am contacting your department. Please help me. I have NO MONEY, NO GAS IN MY CAR AND THEY ARE STEALING FROM ME! 
Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was recently went to check out a new car at XXXX. After carefully consideration I was decided to apply for a loan for this car. I was decline for a good rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. Chapter XXXX Bankruptcy, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX. Inquiries : XXXX, XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I've been pretty consistent with paying my bills on time. I'm saying this because I went XXXX XXXX XXXX the other day and applied for an account. I got approved but with a {$500.00} deposit. I didn't understand until I checked my credit report. I see a couple of items that are not mine. I've contacted the FTC and the police. I'm doing this on my own behalf. These items need to be deleted from my credit report. Chapter XXXX Bankruptcy, XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX. Inquiries : XXXX/XXXX, XXXX XXXX. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: LA

Complaint narrative:
I contacted all 3 credit bureaus about the inaccuracy on my credit report months ago. As of today, the following information remains on my report. I have a statement on my credit report about several family members with the same or similar name in spelling. The accounts and amounts are listed below. : Afni XXXX XXXX XXXX XXXX XXXX, Il XXXX Opened XX/XX/19 XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, IL XXXX Please help me these accounts do not belong to me.

Company response to consumer: Closed with explanation