vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-08 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: WA

Complaint narrative:
Inquiry put on credit XX/XX/XXXX From XXXX XXXX  XXXX Also one from XX/XX/XXXX from XXXX  I did not authorize either of these hard pulls nor did i apply for credit or loans through this company.i have sent a letter XX/XX/XXXX to XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX sd XXXX.i have yet to recieve a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 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: WA

Complaint narrative:
Cbna inquiry date XX/XX/XXXX Cbna inquiry date. XX/XX/XXXX Cbna inquiry date. XX/XX/XXXX Received these unauthorized inquiries on my account.sent a letter to the company to reslove the issue and have these taken off my credit report.i have not recieved a response and now km moving forward to have them removed from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BB&T CORPORATION
State: AL

Complaint narrative:
I purchased a new home in XX/XX/XXXX and at that time purchased Homeowners insurance with XXXX that was paid in full and escrowed with my mortgage with BB & T. 

On XX/XX/XXXX, the homeowners policy was cancelled due to " non payment '' because a {$40.00} multi discount policy credit was removed when I replaced my auto policy with another company. There was no notice mailed to me, and the insurance company confirmed they emailed a notice to the wrong address. 

I was not made aware of this cancellation until XX/XX/XXXX, when I received a notice from BB & T that my policy had been cancelled. I do not know why BB & T waited this long to tell me the coverage had lapsed. I promptly replaced the coverage with another carrier that day. Coverage is currently in force, and the policy is paid in full for XX/XX/XXXX-XX/XX/XXXX for {$730.00}. 

Today I received a notice from BB & T that they plan to purchase insurance for the lapsed period between XX/XX/XXXX and XX/XX/XXXX for {$3400.00}. 

Since Homeowners policies are " occurrence '' based policies, and there were no " occurrences '' to give rise to any claims on the home, this insurance actually insures nothing. Insurance is the transfer of risk, and in this case there is no risk to transfer. The chance or likelihood of a tornado or other insurable event damaging my property during these prior months is zero since time travel does not exist. 

Please help!!!!

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 2018-12-08 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: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
in XXXX i got a XXXX XXXX XXXX finance through credit acceptance loan was for {$12000.00} payment was {$410.00}. 
Well i paid every payment until XX/XX/XXXX made my last payment thinking great finally paid of. my car had a gps recovery chip in case i didnt make my payments so they could shut the car off well the next month around the time my payment would be due i got in my car tried to start it and it wouldnt start thought hmm my batteries dead thats weird so i tried to get a jump still didnt do anything got a packet in the mail stating i still owed XXXX from late payments but every time anyone of my payments was late i got charged a {$50.00} late fee and for that amount of money to be accumilated from 6 late payments i wasnt gon na pay it because i dont see how i can how that much money for 6 late payments i told them to pick up the car im not gon na spend another year of payments on a car thats not even worth 21000 on my credit report it states my finance amount was XXXX an i owe XXXX but that really isnt the case because i paid XXXX XXXX $ for every late fee i had

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 2018-12-08 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: WI

Complaint narrative:
Certified Mail Number : XXXX XX/XX/XXXX, RE : CONDITIONAL ACCEPTANCE FOR VALUE FOR PROOF OF CLAIM UPON CORPORATIONS CONTRACT, FOR DETERMINATION OF MEETING OF THE MINDS, FRAUD ON THE CONTRACT, AND/OR AN UNCONSCIONABLE CONTRACT AND/OR AGREEMENT FOR COMMERCIAL DISCHARGE, FILES # XXXX AND # XXXX. 
Dear Mr. / Ms. CEO : I am in receipt of and conditionally accept for value ( honor ) your statement of report for XX/XX/XXXX, dated XX/XX/XXXX and XX/XX/XXXX. Copies of the statement of reports are enclosed. 

In response to statement of the report you provided, I am conditionally accepting your offer for the unverified items contained in the Files # XXXX and # XXXX, upon proof of claim that : 1. PROOF OF CLAIM that Respondent show under the FCRA ANY copy of the original creditors documentation on file ( a consumer contract with my signature on it ) that you verified, and that this information is mine and is correct as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

2. PROOF OF CLAIM from your department 's documentation showing method of verification as required under Section 611 ( a ) ( 7 ).

You have ten ( 10 ) days from receipt of this Conditional Acceptance to respond on a point-by-point basis, via sworn affidavit, under your full commercial liability, signing under penalty of perjury that the facts contained therein are true, correct, complete and not misleading. Mere declarations are an insufficient response. If an extension of time is needed to properly answer, please request it in writing. Failure to respond will be deemed agreement with the facts stated in the attached Affidavit and inability to prove your claim, thereby indicating your agreement to the facts stipulated herein enclosed commercial affidavit.

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 2018-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Beginning in 2017 I've disputed the student loans reported on my credit profiles by XXXX, I wrote them numerous letters asking them to show the original promissory note I supposedly signed. They sent me a computer printout with no signature, only saying these loans were e-filed. I wrote again disputing the validity of the loans and they wrote my back stating I could dispute but this is my loan. I continued to dispute with the same dispute as before and that is to prove these are my loans in which are duplicated on my credit reports to appear as more than one they are different on the three reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-08 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
My information was compromised due to a theft that took place a few years back. Im not really big on credit but some of these accounts showing on my credit I do not recognize. I believe that this account is fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 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: WI

Complaint narrative:
CHIEF EXECUTIVE OFFICER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX   Respondent XX/XX/2018, RE : CONDITIONAL ACCEPTANCE FOR VALUE FOR PROOF OF CLAIM UPON CORPORATIONS CONTRACT, FOR DETERMINATION OF MEETING OF THE MINDS, FRAUD ON THE CONTRACT, AND/OR AN UNCONSCIONABLE CONTRACT AND/OR AGREEMENT FOR COMMERCIAL DISCHARGE, CONFIRMATIONS # XXXX ; # XXXX ; AND # XXXX.

Dear Mr. / Ms. CEO : I am in receipt of and conditionally accept for value ( honor ) your statement of report for XX/XX/XXXX datedXX/XX/2018. A copy of your statement of report is enclosed.

In response to statement of the report you provided, I am conditionally accepting your offer for the unverified items contained in the Confirmations # XXXX ; XXXX ; and # XXXX, upon proof of claim that : 1. PROOF OF CLAIM that Respondent show under the FCRA ANY copy of the original creditors documentation on file ( a consumer contract with my signature on it ) that you verified, and that this information is mine and is correct as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

2. PROOF OF CLAIM from your department 's documentation showing method of verification as required under Section 611 ( a ) ( 7 ).

You have ten ( 10 ) days from receipt of this Conditional Acceptance to respond on a point-by-point basis, via sworn affidavit, under your full commercial liability, signing under penalty of perjury that the facts contained therein are true, correct, complete and not misleading. Mere declarations are an insufficient response. If an extension of time is needed to properly answer, please request it in writing. Failure to respond will be deemed agreement with the facts stated in the attached Affidavit and inability to prove your claim, thereby indicating your agreement to the facts stipulated herein enclosed commercial affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax is still reporting the wrong address on my credit report, I do not know where this information is stemming from. 

In correct address below : XXXX XXXX XXXX XXXX New Jersey XXXX I have never have lived at this address!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I filed a dispute with Chase on XX/XX/XXXX due to issues with a merchant. {$1700.00} was returned. The funds were used the same day to purchase alternate air tickets so I would not overstay a visa or be stranded overseas. Chase did not contact me in any way then in mid XXXX took the funds back and said I did not contact them. My call, text, email, and voicemail had no messages from Chase. They reopened the claim and refunded the money. On XX/XX/XXXX I got a call from someone in the executive office saying they had a final resolution. I called back as soon as I could and had to leave a message as they were not there. I never heard back from them and the funds were removed again in XX/XX/XXXX. On XX/XX/XXXX I got a call from the Chase claim department as apparently the case was back with them. I returned the call and was asked what the funds were used for and was told they had been unable to contact me. I reported the funds were used for the alternate travel tickets and told them which transactions were for the tickets. I got a call on XX/XX/XXXX from Chase. I returned the call and was notified they were unable to contact me and asked what the dates for the initial travel was and the days I filed the dispute and tried to deal with the company. I provided the dates and notified the person that I had been called and returned the call and gave them the questions asked. They looked at the notes and apologized and said they would add a note that I had actually been contacted. On XX/XX/XXXX I received a call from Chase. I called back on XX/XX/XXXX due to a busy schedule at that time. I was informed Chase had been unable to contact me and thus they were taking the money and was asked for further information. I provided the information and told them again that they had called me and I had called back, and again the person said they were sorry, they had been able to contact me and there was a mistake. I told them the dates and questions and my request to both prior people that they mark that they had been able to call me. I hear nothing back from Chase until XX/XX/XXXX, at which point collections calls. I called back on XX/XX/XXXX and they said they were seeking the overdraft. i told them the overdraft was their fault and was transferred to claims. I told the claims person I was getting the runaround from Chase and that their people were being either dishonest or not doing their job and that it was negatively impacting me. They told me that nobody had called me back previously about any resolution and that they only send emails ( they have never sent me an email related to the case ) and that it was out of their hands and they would do nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Select Management Resources, LLC
State: WI

Complaint narrative:
Notice of Fault and Opportunity to Cure and to Contest Acceptance To : XXXX RE : DEMAND IMMEDIATE RELEASE OF MY PROPERTY on Loan Number : XXXX Payoff Amount : {$1700.00} Collateral : XXXX XXXX XXXX XXXX Mileage : XXXX miles Value ( XXXX XXXX XXXX ) : {$1700.00} Respondent Dear Mr. / Ms. XXXX : 1. On XX/XX/XXXX, the undersigned Secured Party caused to be sent to you a SETTLEMENT PAYMENT which arrived to you on Date XX/XX/XXXX. This notice was sent by Certified Mail # XXXX and was delivered on XX/XX/XXXX. Per USPS XXXX Return Receipt in the possession of the Libellant, you did not respond with proof of claim. 
2. On XX/XX/XXXX, you were sent a Notice of Fault and Notice to Validate Debt Claim for the alleged creditors in dispute. This notice was sent by Certified Mail # XXXX. You did not respond accordingly. 

You illegally stolen my property and failed to perform after receiving these presentments, and you failed to perform by providing the requested and necessary PROOFS OF CLAIM after receiving the said FULL SETTLEMENT PAYMENT and Notice to Validate Debt claim from the undersigned.

As the Respondent, you are now in fault, and you are in agreement and have stipulated to the terms of the undersigneds dated presentment through your dishonor. You have the right to cure this fault and perform according to said terms within the ten ( 10 ) days from the receipt of this Notice of Fault.

Should you fail to cure your fault, I will establish an Affidavit of Default solidifying your agreement and failure to contest acceptance, and I will obtain a CERTIFICATE OF NON-RESPONSE pursuant to and relative to the UCC, state statute, and otherwise.

Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/18 American Express called my roommate 's parents house looking for me. 
Ironically, I had stopped by for a brief 30 minute visit. When I was handed the phone the rep told me they were calling in regards to a missed payment that I was about 2-3 weeks late on of XXXX dollars. 

Shocked, I told the rep I would call back from my phone. After over 45 minutes on the phone American Express could not give me answers on how they obtained my roommate 's parents number. They stated I possibly had called from that number before, which I have never used.

I believe there is a possibility they could be getting 3rd party tracking data from my XXXX XXXX XXXX cellular device. I wasn't answers on how they even obtained the number and how they knew I was there at that random moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 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: PA

Complaint narrative:
Upon looking at my Equifax report on XXXX XXXX I noticed that my current address is not my own. I have seen this address before. I currently have an account in charge off status with XXXX XXXX XXXX. I have called and written to this company many times to have them close the account and bill me to my current address of XXXX XXXX XXXX XXXX, XXXX, PA. I have gotten no response and the account went into charge off. Now I am getting ready to apply for a car loan and looked at this Equifax report only to see that it has my current address as the person whom I believe took my XXXX XXXX account under identity theft. I would like my address corrected on the Equifax report. If you have any suggestions as to how I can get XXXX XXXX to respond to me I am open to that as well. I am beyond frustrated with this. I have documentation proving that XXXX XXXX changed my address back and forth between mine and this other persons Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
1. TransUnion is still reporting an incorrect address on my credit report, I have no idea why this address came from.

2. I no longer word at XXXX - this should be deleted.

3. I never worked for XXXX - Please Delete

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 2018-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ID Analytics, Inc.
State: FL

Complaint narrative:
I am absolutely in disbelief that there are so many credit rating agencies, these agencies have different scores and different information constantly. Now I have come across an agency called XXXX XXXX. They report that my credit score is XXXX, what a joke. While all three major agencies are within XXXX to XXXX points of each other and my score is XXXX with XXXX yet XXXX with XXXX, these morons have the nerve to rate my score XXXX. Why hasnt the government mandated and control these 3rd party and even the major credit bureaus with a set of guidelines that can not be taken into their own hands and each bureau allowed to use a different rating system, these agencies control our lives as Americans and need to fall under one set of rules and use only one accepted way to rate our credit. TOO MUCH depends upon their rating such as employment, interest rates, getting credit for a small business. Now I have to dispute a bunch of inaccurate information with this agency XXXX XXXX that NO ONE have ever heard of. Why would XXXX use such a no name credit bureau, but your agency needs to overhaul this industry and make this agencies homogeneous within the way they choose to rate our credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I requested a copy of my credit report on XX/XX/XXXXand discovered unknown credit and decided to file a dispute with the credit bureau but it gave me the following message ; " we are unable to process your dispute ''. I have several credit accounts on my credit report that I did not authorize and need to dispute them as I have been receiving collection calls regarding these debts that I personally did not authorize and voluntarily incur this debt. I strongly believe I have been a victim of credit fraud. Consequently I have been denied housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09 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: LEXISNEXIS
State: WI

Complaint narrative:
XXXX, XXXX, XXXX  and LexisNexis are all reporting an unverified bankruptcy. When I disputed the item and asked them to verify it, they said they verified it through the courts. 

That is impossible and incorrect. The courts DO NOT speak to or verify items with third party agencies or credit bureaus. I even sent them the letter to prove this and they still are improperly showing this unverified bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09 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: WI

Complaint narrative:
Transunion, XXXX, XXXX and XXXX are all reporting an unverified bankruptcy. When I disputed the item and asked them to verify it, they said they verified it through the courts.

That is impossible and incorrect. The courts DO NOT speak to or verify items with third party agencies or credit bureaus. I even sent them the letter to prove this and they still are improperly showing this unverified bankruptcy.

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