vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-19 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: CA

Complaint narrative:
I consistently called these companies during the month of XX/XX/XXXX : XXXX XXXX XXXX Inquiry Date- XX/XX/XXXX XXXX XXXX XXXX Inquiry Date- XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date- XX/XX/XXXX Creditor Name : XXXX/XXXX XXXX   Inquiry Date- XX/XX/XXXX After being ignored by these companies I reached out to Transunion XX/XX/XXXX to have the incorrect information removed from my credit report. 
Transunion has failed to respond to my dispute letter sent on XX/XX/XXXX within 30 days. I have enclosed a copy of the return receipt which Transunion received on XX/XX/XXXX at XXXX. ( Tracking Number :  XXXX ) It appears that my rights have been violated according to the FCRA.

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 2018-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX evidently turned over an unknown account to a collection company called XXXX. I have not received any correspondence from this company or phone calls. I work for a small company as XXXX XXXX XXXX XXXX XXXX XXXX XXXX., I have a business account. My BOSS, my BOSS, came into me this morning and handed me a collection bill that was sent to HIS HOME. Again, the boss of my company received a collection notice with my name mailed to his HOME ADDRESS. I have never used his home address but have been told as an add on to his business card, it is possible his address is listed on my credit report. This company said that had my current home address but changed it to my Bosses home address. I am mortified. The representative for XXXX could not give me any answer as to why and his supervisor only told him to be a " cease contact '' in my profile to no longer contact me. I need to they could have attained my bosses HOME address, not work and how it is legal for them to send any personal correspondence about me without verifying addresses. I am worried I am going to lose my job. I need explanation from this company and what resources I can take towards releasing personal information to my employers home address.

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 2018-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Bridgecrest Acceptance Corporation
State: MD

Complaint narrative:
On XX/XX/XXXX I had purchased a XXXX XXXX XXXX XXXX XXXX from XXXX XXXX located in XXXX XXXX, MD. Financed with Bridgecrest Account # XXXX. Up until XX/XX/XXXX I had issues with my XXXX XXXX XXXX and finally after jumping through hopes with XXXX and Bridgecrest it was offered to me that my vehicle would be bought back from me with out taking a negative hit to my credit. I eventually got a XXXX XXXX XXXX Bridgecrest financed again Account # XXXX. My interest Rate went up because what I finally found out after calling with Bridgecrest and XXXX is that when they bought my vehicle back even though I had made every payment on time they would have the credit Beauru to delete my on time payments that I had worked hard on and know when I bought my new vehicle my interest rate went up because of my credit score. SO I am out the 6 months of onetime payments I had paid towards my other car and my credit score is unchanged or worst. I was never told that my credit score would change like that after switching out into a new vehicle.

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 2018-06-19 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: NV

Complaint narrative:
Today XX/XX/18 I attempted to dispute ownership of credit card online only to be instructed AGAIN to call Experian fraud security. Last week several times representatives were either unable or unwilling to connect me to proper dept. to correct bureau error. 
Under the FCRA I'm afforded the right to dispute by any contact means, including online, which is encouraged as a convenient alternative to phone, which bureau can not process.

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 2018-06-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: SUNTRUST BANKS, INC.
State: TX

Complaint narrative:
Unfortunately the account went to charge off status. When we agreed on a repayment that fit into my budget that is when this company started to report on my credit as if the account is still open but with a charge off status. The delinquent amount picked up where we fell behind and grows every month by the difference of my current payment and the payment when the account was open. I contacted the company asking about it and was told it wasn't them that it was my credit monitoring company doing that. I have my credit summary showing that every month they report.

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 2018-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Williams, Alexander & Associates, Inc
State: KY

Complaint narrative:
Williams and Associates has contacted my siblings, my XXXX yr old grandmother and said they have a warrant for my arrest to 2 of them and said to one of my siblings and myself they are sending a summons for court for an unpaid debt. They say this debt is from XX/XX/XXXX -XX/XX/XXXX I've owned 2 homes and built a home 3 years ago and have nothing on my credit report nor have I had an account with said debtor. They have threatened and harassed my family members. It's out of hand!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
I fell behind on the mortgage payments because there was no more overtime at my time between the years of XX/XX/XXXX and XX/XX/XXXX. Since this I have lost my job as my job was relocated. I am seeking employment. I have tried for numerous modifications from the mortgage company ( Chase JP Morgan ) and they have denied me with no options. I have lived in my home since XX/XX/XXXX. I do not want to loose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 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: TX

Complaint narrative:
XXXX, XXXX and Transunion all have supposedly investigated my claim that : 1 ) XXXX collections of XXXX XXXX, Tex. has placed multiple charges as individual accounts, thus overly diminishing my credit & scores. My investigation is, they are all charges to one account. Furthermore, I never had any prior knowledge of them before I found them on my credit. I have no obligation to pay same. I have never been sent a bill for them, therefor, they, by law can not be placed for collections on my credit record. 
2 ) None of the three, XXXX, XXXX or Transunion have the same amount of collection accounts posted to my credit report. Each has deleted or removed one or more of them. Thus, none of them are getting truthful posting info from XXXX, so, how can they take XXXX 's certification that they are posting true and accurate charges against me? 
I have questioned this Certification each time they come back from investigating my disputes with their replies that " they have checked with XXXX and they have certified to them they are correct '' so no changes would be made. 
If XXXX was being truthful, they would have never eliminated any, or, they would have left the totals the same and combined them into one account number.

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 2018-06-19 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: TX

Complaint narrative:
XXXX, Equifax and XXXX all have supposedly investigated my claim that : 1 ) XXXX collections of XXXX XXXX, Tex. has placed multiple charges as individual accounts, thus overly diminishing my credit & scores. My investigation is, they are all charges to one account. Furthermore, I never had any prior knowledge of them before I found them on my credit. I have no obligation to pay same. I have never been sent a bill for them, therefor, they, by law can not be placed for collections on my credit record. 
2 ) None of the three, XXXX, Equifax or XXXX have the same amount of collection accounts posted to my credit report. Each has deleted or removed one or more of them. Thus, none of them are getting truthful posting info from XXXX, so, how can they take XXXX 's certification that they are posting true and accurate charges against me? 
I have questioned this Certification each time they come back from investigating my disputes with their replies that " they have checked with XXXX and they have certified to them they are correct '' so no changes would be made. 
If XXXX was being truthful, they would have never eliminated any, or, they would have left the totals the same and combined them into one account number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-19 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: NY

Complaint narrative:
Please remove the following fraudulent inquiries from my TransUnion Credit report : XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX  XXXX XX/XX/2017 XXXX/XXXX XXXXXX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XX/XX/2017

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 2018-06-19 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WAKEFIELD & ASSOCIATES, INC.
State: KY

Complaint narrative:
I received a notice that Wakefield and Associated was collecting a debt for XXXX XXXX in late XX/XX/XXXX. The medical debt was invoiced and paid in XX/XX/XXXX so I sent proof of payment along with a debt dispute letter and a request for debt validation within 30 days of receipt of my first notice from Wakefield & Associated. Tracking shows it was picked up from the post office in XXXX XXXX, CO on XX/XX/XXXX. As of today, XX/XX/XXXX, I still have not received debt validation. I have, however, been contacted via my cell phone on XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I wrote a letter requesting communication only in the form of letters and provided my address. This letter was received by Wakefield & Associated on XX/XX/XXXX. Therefore, the XX/XX/XXXX call was a violation of my rights under the Fair Debt Collection Practices Act. I am attaching documents showing the call from a Wakefield associate today, XX/XX/XXXX, and tracking information showing they received my letter that asked I not be contacted again via telephone.

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 2018-06-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
I recently contacted Walmart service representatives about a high spike in interest rates on my card. I pay my bill on time and I have never been late making payment, for some reason in the past months my card balances continued to go up and my interest rates continue to increase!! My payments each has spiked up as well.The representative couldn't give me a reason why my interest rates, balances and my payments continue to increase.

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 2018-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have tried numerous times to have Transunion and XXXX correct my record as it deals with XXXX XXXX. XXXX has reported various differing amounts in collections on my report. I contested these amounts and the existence of any such account. 
I have caused Transunion to show a XXXX Balance now, but, they still show the account as open, it's closed. Furthermore, I sent them a copy of the only invoice I ever got, which I got after it was posted to collection on my account. If they would have looked closer they would have seen not only the XXXX balance due, but the date that the item shows, it should have never reached collection status on my record. 
XXXX has the same XXXX Balance statement and should have corrected my record they hold as a closed XXXX balance or removed it based on the date shown paid on the invoice and removed the entire item as well.

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 2018-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MA

Complaint narrative:
Back in XX/XX/XXXX I received a phone call from a XXXX XXXX, originally called from the Carrington phone number XXXX and then called from XXXX saying that we have been pre - approved for a loan modification and our interest rate could be lowered to 2 %. We were sent paperwork stating that if we made our 3 trial payments on time we would be approved. The 3 trial payments were made via money gram. Once the payments were made we received another phone call saying that the taxes and insurance would also need to be paid and our payment for the next 6 months would be less and come XX/XX/XXXX, the payments would go to the normal payment after the modification. We went ahead and made the payment of the taxes and insurance and thought we were all set until we received another call saying that we need to pay a processing fee. Upon trying to made the processing fee payment the payment was rejected. 
the person or persons who have scammed us have the Carrington Logo and have our loan number and phone number. They had my cell phone as the contact number and called me. I am not sure how they got this information, but I have no other accounts compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Student Loan Direct
State: NC

Complaint narrative:
I saw a shared post on XXXX saying StudentLoanDirect1.com could help with my loan forgiveness and debt consolidation. I was told to contact XXXX XXXX at XXXX. She explained how her businsss works and that they work with the Department of Education ( DOE ). It sounded legitimate. A few days later a friend told me they were scammed from a company just like that. After contacting my loan servicer and the DOE, I quickly learned that the company is a scam. They have my SSN, FSA ID, and credit card number. Even though they gave me a refund and claimed all of my info was purged from their database, I am still worried about my sensitive info. I also changed my FSA ID and notified my bank of the scam.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
On XX/XX/18 I received a misunderstanding a report of {$92000.00} by a debt collectors of " Transworld Systems Inc for XXXX merchant company which I called denied it.I find out if I contact you, you can help understand that situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XX/XX/XXXX : Received monthly statement and learned the credit card company reduced my limit to be very close to amount owed. Two weeks after the limit reduction I received a letter dated XX/XX/XXXX Advising the action taken with a general reason. This impacted my credit score with a 40+ point reduction. 
XX/XX/XXXX : Once again this credit card company reduced my limit down to the amount I owed with no prior notification of pending adverse action. The letter was dated XX/XX/XXXX and advised the action was taken due to number of inquiries on my credit. 
I have 2 cards issued by this bank. This is the only one they deem to be a risk. The company continues to impact my credit score in a negative way for no reason. I have a 100 % payment history with all of my cards including the ones issued by Barclay Card. After the limit decrease on XX/XX/XXXX I sent payment in full for the account. My cycle date had been the XXXX of the month since opening the card a few years ago. I check all my accounts regularly and I expected this account to cycle on the XXXX of the month to report to the agencies and to give me my final interest. I check the account on XX/XX/XXXX and it had not cycled. I called the company to determine what the issue was and they advised that my cycle date had been changed by a web user to the XXXX. I did not change it. In fact it would have caused ( and did XXXX more issues to change the statement date. When I called to have them correct this they told me they couldn't. 
I am a small business owner and have many cards with substantial limits. My credit will have more than the usual inquiries due to this fact. If this company would have followed standard guidelines and informed me of the upcoming limit decrease I would have had the opportunity to pay the account before it adversely affected my credit. When I called to express my concerns they advised that it was the risk program they had in place and the decision would stand. Not only have they hurt my credit score multiple times for undue cause they are unwilling to correct the issue. This 96 % usage of a single card will remain on my report until XX/XX/XXXX at the earliest causing an undue score drop for an extended period for the second time.

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 2018-06-19 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: TX

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I was in forbearance status with XXXX and it has been reported that I had late payments on these dates. This info is incorrect as I have contacted XXXX directly and was told that this info wouldn't be reported as late payments initially. Once I saw that this was reported despite the conversations that had been held I began to reach out to them direct with no changes to my report. I have since cut ties with XXXX due to this issue and consolidated my loans w/ another Student Loan company. My XXXX balance has been paid but the late reporting is still showing on all my credit reports.

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 2018-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I tried to transfer money that I have had on XXXX for months because I'm in need of it. and when I tried to transfer it said that capital one has blocked me from receiving it.

Company response to consumer: Closed with explanation