vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hi, On all three of credit report, my student loan holder, XXXX XXXX XXXX has put my account as either late or delinquent ( the loan is for the amount of in excess of {$75000.00} now, and keeps growing ) for many years now and it has depressed my credit score that I ca n't qualify for an acceptable rate on an auto loan or anything else for that matter of importance, where I desperately need an access to borrowable capital to purchase big-ticket necessities. 

I 've received a letter from XXXX XXXX XXXX that they are recently conducting an audit of their loan portfolio and i know that they 've recently settled with your agencies. 

They 've been harassing me over this loan for more than ten years now and they have made it so that my credit score is so low that I 've had trouble raising my score above 600 for almost ten years, which has kept me not even eligible for ridiculous subprime rates..
Please help me and get this removed from my credit reporting please so that I may get on with my life and be able to finance a car or a home. Thank you.

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 2017-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: IQOR US INC
State: NY

Complaint narrative:
XX/XX/2017 I spoke with a representative and told them that I have a debt consolidation company handling the matter but they still call 6 times a day regularly before 9 am and after 9 pm. The company is allied interstate.

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 2017-11-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SECURITY FINANCE CORP
State: MO

Complaint narrative:
The issue im having and so are a few other people with the loan company " Security Finance '' is that they are not reporting anyones credit. They claim its corporate wide with some kind of system issue, which its been like this since XXXX or XXXX. Ive taken out 2 loans one from them and another from " XXXX XXXX '' which XXXX XXXX has reported monthly and also that ive closed the one from them. Security Finance however has not reported even once since ive been with them but yet they can make a hard inquiry on my credit for a 2nd loan, and still not report any of my on time payments. 

There are also many complaints online everywhere about them not reporting anyone 's credit this year..

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 2017-11-18 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: GA

Complaint narrative:
Reinserted previously deleted information. This information has been previously deleted from my credit reports. It is very old inaccurate information from 2011. I have numerous loans with XXXX XXXX ( and currently 2 loans with XXXX XXXX XXXX since this time and they agreed previously to remove it from my credit report. 


XXXX XXXX Other Loan Late 30 Days {$0.00} XXXX XXXX 2011

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 2017-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My wife, XXXX XXXX XXXX, was unable to obtain a copy of her free credit report online through annualcreditreport.com She was then instructed to call in to obtain a copy of her free credit report. As of today she has not received her Transunion credit 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 2017-11-18 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: WA

Complaint narrative:
XXXX is reporting A tax lien that doesnt belong to me as XXXXX2017 and wont remove it, Equifax is reporting XXXX XXXX XXXX as deliquent and XXXX XXXX as collection which are Hippa Law violations as well as child support that are 180 days late and deliquent XXXX And XXXX is reporting Child support Enforcement as of XXXXX2017 as delinquent and 180 days late as well as XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX all as charge offs these accounts are damaging and malicious and effects my ability to get loans and employment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-18 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX is reporting A tax lien that doesnt belong to me as XXXXXXXXX and wont remove it, XXXX is reporting XXXX XXXX XXXX as deliquent and XXXX XXXX as collection which arXXXX Hippa Law violations as well as child support that are 180 days late and deliquent Experian And XXXX is reporting Child support Enforcement as of XXXXXXXXX as delinquent and 180 days late as well as XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX all as charge offs these accounts are damaging and malicious and effects my ability to get loans and employment

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 2017-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been disputing several issues with Equifax for quite sometime now. Several of the issues have been investigated, completed and resolved. Each and every time when I filed my dispute, I specifically requested that Equifax must send me an updated report. I have been asking this, via telephone and mail, many times to Equifax to send me all pages of my updated credit file for my information, verification and records. They have not yet send me a full file copy of Equifax credit report since the completion of my last Equifax dispute and investigation request. I NEED HARD COPY OF MY CURRENT Equifax CREDIT FILE. Equifax must send me copy of my full credit report. Equifax should immediately send me all pages of my full Equifax Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 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: FL

Complaint narrative:
Hi, On all three of credit report, my student loan holder, XXXX XXXX XXXX has put my account as either late or delinquent ( the loan is for the amount of in excess of {$75000.00} now, and keeps growing ) for many years now and it has depressed my credit score that I ca n't qualify for an acceptable rate on an auto loan or anything else for that matter of importance, where I desperately need an access to borrowable capital to purchase big-ticket necessities. 

I 've received a letter from XXXX XXXX XXXX that they are recently conducting an audit of their loan portfolio and i know that they 've recently settled with your agencies.
They 've been harassing me over this loan for more than ten years now and they have made it so that my credit score is so low that I 've had trouble raising my score above 600 for almost ten years, which has kept me not even eligible for ridiculous subprime rates..
Please help me and get this removed from my credit reporting please so that I may get on with my life and be able to finance a car or a home. Thank you.

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 2017-11-18 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: FL

Complaint narrative:
Hi, On all three of credit report, my student loan holder, XXXX XXXX XXXX has put my account as either late or delinquent ( the loan is for the amount of in excess of {$75000.00} now, and keeps growing ) for many years now and it has depressed my credit score that I ca n't qualify for an acceptable rate on an auto loan or anything else for that matter of importance, where I desperately need an access to borrowable capital to purchase big-ticket necessities. 

I 've received a letter from XXXX XXXX XXXX that they are recently conducting an audit of their loan portfolio and i know that they 've recently settled with your agencies. 

They 've been harassing me over this loan for more than ten years now and they have made it so that my credit score is so low that I 've had trouble raising my score above 600 for almost ten years, which has kept me not even eligible for ridiculous subprime rates..
Please help me and get this removed from my credit reporting please so that I may get on with my life and be able to finance a car or a home. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XX/XX/2017 I spoke with a representative and told them that I have a debt consolidation company handling the matter but they still call 6 times a day regularly before XXXX XXXX and after XXXX XXXX. The company is 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 2017-11-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I have not paid on my mortage ( for a property I do not reside in ) since XXXX 2012. I have filled out the same packets of paper 2 or 3 times and have called several times, requesting to complete the foreclosure the process. Their military department changes the representative everytime I speak with them and no one can ever seem to locate any of the previous paperwork I have filled out, attempting to expedite the process. The property has been vacant for at least 3 or 4 years. They continually send correspondence for inspection costs, insurance costs, property maintenance, but will not send any correspondence saying qe can finally get to the end of this process. I feel they are just trying to drag it out as long as they can in order to get more money. I have filled out everything they have sent to me stating they can take custody of the property and even received something stating that they have done so and any further payments will be considered voluntary. Meanwhile we get monthly statements saying we are $ XXXX behind. I just want to get rid of this property and move on with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 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: U.S. BANCORP
State: TX

Complaint narrative:
I purchased a vehicle on XX/XX/XXXX and requested to be financed through XXXX XXXX. Because they financed my previous vehicle that was totaled on XX/XX/XXXX. I have received multiple notices from financial institutions that were not authorized to access my credit information.

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 2017-11-18 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: OK

Complaint narrative:
I attempted to call CBNA ... none of the number on various web pages worked.

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 2017-11-18 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: NY

Complaint narrative:
I have written numerous letters since XX/XX/XXXX to the 3 credit reporting agencies ... Transunion, XXXX, & XXXX to this date XXXXX-17 they have not provided me with the original signed documents that I have requested to provide me proof all alleged accounts being reported are really mine. I have requested proof in writing that over 18 hard inquiries that allegedly belong to me, still dont have proof in written original documentation that I signed from any of the 3 CRAs to verify these hard inquiries. I have requested that any unverified/unknown and/outdated accounts be removed from my credit reports ... there are many inaccuracies and unverified accounts on my credit reports that continue to show up on my report ... its been way over 30 days time period to verify unknown accounts or accounts over 7 years old and mail me written original signed documents to proof all accounts to truly belong to me and are being reported correctly in amounts alleged due. All closed accounts have been requested to be removed nothing as of XXXXX-17. 
I have informed CRAs that I havent been late with any of my payments ... if so prove to me in written documents the dates late to any accounts ... still nothing & still bringing down my credit score. 
I find it very stressful that my life has to be on hold because of my low credit scores reporting from these three agencies. Due to this inaccurate, unverified reporting on my credit reports I have been denied rentals, credit, loans, & mortgages etc. 
I have spoken with a lawyer in regards to this matter its bought much undue stress into my life. The law states if not provided with written original signed documents in 30 days they have to delete items from report, section 609 states this the CRAs are not following these guidelines.. I have never received verification with my original signature from any of accounts that are on my credit reports its been well over 60 days as of today date.

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 2017-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: TX

Complaint narrative:
Rec 'd an invitation to apply for the XXXX XXXX in XXXX. Applied online. At the time of the invitation, I requested a balance transfer in accordance with their offer of 0 % financing, 0 % transaction fee. The card was approved and then sent out. I then rec 'd notice that they needed more information on the balance transfer so on or about XX/XX/XXXX, I called and answered some more questions and was told the balance transfer would be processed. On XX/XX/XXXX I rec 'd notice that I would be charged a XXXX transaction fee. I promptly called and have called in numerous times including to their executive offices support team ( XXXX ) onXX/XX/XXXX and was told they would review the case and get back to me. I called them again on XX/XX/XXXX to be told that they had sent out a letter advising me that the charge would remain on my account. I asked how this could be since I had sent in pictures of all of the documentation they sent showing XXXX transaction fees on all balance transfers. They said they needed me to send in the documentation again - which I have - I explained that the same terms noted on the invitation were provided with the credit card itself when it arrived. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: First Data Corporation
State: NY

Complaint narrative:
I was hacked or my P.C. was compromised in XX/XX/XXXX. My bank closed all my accounts, and then gave me new checks, new account number and new bank cards. The police told me to cancel all my accounts and asked for new account numbers. I did this and in doing so found out one of my accounts had been scamed for XXXX. I have since received that money back from that account. I also called XXXX and gave them this same information. I have been with XXXX since 2001 and as soon as I got new cards from the bank called and told them of the new accounts. I then listed 4 cards which are on that account and I have been ordering with no problem. Then I get this letter and many phone calls 2 and 3 daily at all hours about an account that was being handled by them to collect from me for XXXX. On the letter to me it says this account was closed. I believe that they ( XXXX ) turned over my old account which was closed due to the Hacking. I do n't know why and I just yesterday talked to Customer service at the XXXX home office and since it was the weekend she suggested that I call and she gave me a number for XXXX Account Specialists on Monday..I had intended on doing that but I would like for these calls to stop. I have no intention of NOT paying I just want to know why XXXX did this with my account and is still letting me buy and I had informed them of the scam. It has been something I never had happen before and I sure have been careful not to put any of my numbers on the internet simply because I do n't trust anyone. I just will not pay this collection agency and if they want to take me to court like they say I have plenty of written proof of what I am telling you today. I am on the verge of closing my account with XXXX after all these years but I wo n't be a party to this TRS agency collection calls. Thanks and if you can help I would appreciate it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one bank refuses to reverse nsf fees caused by a company whom I instructed to close my account. The company failed to do so and repeatedly tried to debt my bank. Capital one charged me for every failed attempt over nine times at XXXX $ each. Outrageous! There policy is because I authorized recurring payments. It was ok to bill me. Catch 22 for them to ROB me. 
Even though I opted out of overdraft protection!!! 

Now I ca n't even access my records on line. To challenge them because I get online statements that I ca n't see!!! 

Need help please. I am a disable veteran on fixed income. Ca n't pay bank robbers half my check. Smh XXXX XXXX XXXX retired

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 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: NY

Complaint narrative:
I have written numerous letters since XX/XX/XXXX to the 3 credit reporting agencies ... XXXX, Equifax, & XXXX to this date XXXX-17 they have not provided me with the original signed documents that I have requested to provide me proof all alleged accounts being reported are really mine. I have requested proof in writing that over XXXX hard inquiries that allegedly belong to me, still dont have proof in written original documentation that I signed from any of the 3 CRAs to verify these hard inquiries. I have requested that any unverified/unknown and/outdated accounts be removed from my credit reports ... there are many inaccuracies and unverified accounts on my credit reports that continue to show up on my report ... its been way over 30 days time period to verify unknown accounts or accounts over 7 years old and mail me written original signed documents to proof all accounts to truly belong to me and are being reported correctly in amounts alleged due. All closed accounts have been requested to be removed nothing as of XXXX-17. I have informed CRAs that I havent been late with any of my payments ... if so prove to me in written documents the dates late to any accounts ... still nothing & still bringing down my credit score.
I find it very stressful that my life has to be on hold because of my low credit scores reporting from these three agencies. Due to this inaccurate, unverified reporting on my credit reports I have been denied rentals, credit, loans, & mortgages etc.
I have spoken with a lawyer in regards to this matter its bought much undue stress into my life. The law states if not provided with written original signed documents in 30 days they have to delete items from report, section 609 states this the CRAs are not following these guidelines.. I have never received verification with my original signature from any of accounts that are on my credit reports its been well over 60 days as of today date.

Company response to consumer: Closed with explanation