vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-25 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2019-11-25 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: ID Analytics, Inc.
State: MO

Complaint narrative:
Sagestream and XXXX  has incorrect Credit Score for me My correct Credit Score should be XXXX. I feel I am being Discriminated against because I am XXXX American. I want a full investigation into both credit Reporting agencies. Because of this misinformation I am being Denied Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 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: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX To Whom it May Concern : XXXX  XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX, GA XXXX TransUnion, XXXX XXXX. XXXX   XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL 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 2019-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX To Whom it May Concern : XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX   XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
I checked my credit and saw an account from SOUTHWEST CREDIT SYSTEM for {$510.00} for XXXX. I have no knowledge of this collection account and never received any written notice of how to dispute or settle the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX Ss # XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiries that I find to be problematic. 
The inquiry in question was apparently made by XXXX XXXX BXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, Virginia XXXX I contacted XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, Virginia XXXX asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
Please investigate this inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCE CORPORATION
State: GA

Complaint narrative:
OneMain is reporting a loan I received negatively on my credit reports. I fell behind in payments after an injury caused me to lose my job. I was out of work for some time and could not pay my bills. I became homeless as well. Just recently, I got a new job and gross $ XXXX annually.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-25 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX and Experian has incorrect Credit Score for me My correct Credit Score should be XXXX. I feel I am being Discriminated against because I am XXXX American. I want a full investigation into both credit Reporting agencies. Because of this misinformation I am being Denied 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 2019-11-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: GATEWAY FIRST BANK
State: TX

Complaint narrative:
On the XX/XX/2019, I paid my mortgage payment of {$1600.00}. This was to XXXX XXXX XXXX. I also signed paperwork stating that I wanted my taxes reimbursed once my tax exemption was finalized. I sent all documents to them. Today I received notification that my load was sold to Gateway XXXX XXXX, a division of Gateway First Bank. The person that I spoke to on the phone a XXXX XXXX let me know that my monthly payment would be {$1100.00}, which was correct. Now that I am setting up my account, I notice my payments have increased to {$1600.00}. When I called again to see what is going on about my tax reimbursement of {$440.00}. The service person tried to say that it was for the taxes before I bought the home. I told him that I personally paid XXXX County and have proof. This mortage company is doing everything in their power to get me to overpay although they have all the paperwork that clearly states that my monthly mortage payment is {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 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: AL

Complaint narrative:
There are several inaccurate items that is reporting on my credit file : XXXX XXXXXXXX is inaccurately reporting on my Equifax. This is not mine. 

XXXX XXXX is not my account and it is inaccurately reporting on my XXXX. 

XXXX XXXX XXXX is not my account and it is inaccurately reporting on my XXXX. 

Incorrect Addresses : XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I opened an Amazon Rewards credit card through Chase bank in XXXX of 2019. 

I opened this card because I make a lot of purchases through Amazon and I would get cash back, and I was under the impression I would have an interest free period for 12 months. 

Apparently I haven't been checking my statement very well, because I just noticed that I was being charged interest dating back since XXXX of 2019. 

The most recent interest charges were on XX/XX/XXXX for {$64.00} and XX/XX/XXXX for {$53.00} ( there were 4 more months I was also charged interest ). 

I called Chase and inquired about this issue ( I spoke with an associated who identified herself as XXXX ). I was informed that I did not have to pay interest on Amazon purchases, but I would have to pay interest on other purchases made through this card. I informed them I found this misleading, for a few reasons : 1. I have paperwork that seems to say I have 0 % APR on my Amazon Card purchases. 
2. I was not charged interest for the first few months of having this credit card, so I assumed the benefits were working as I thought they should. 

I asked if it was possible to have a few of my most recent interest charges refunded. I was told no that was not possible, despite giving me misleading information. 

I told XXXX that I would be filing a complaint with the CFPB and closing my account in the following weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/ 2019 I called into Capital One to make my credit card payment that was due on XXXX XXXX, 2019 at approximately XXXX. I have been charged a late payment charge of {$25.00}. I have contacted Capital One credit card services to resolve this issue and they will not credit me back the {$25.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mortgage Research Center, LLC
State: WA

Complaint narrative:
We were denied a VA loan through Veterans United after making several payments well into the process. The reason given for the denial was the distance between my job and the house. I contend that it was known where I worked and also where I was looking for a home early enough by VU to advise me on a proper course. This is my first attempt at buying a house, and I think in the history of home loans I am not the first to move from one job to one closer to home. I was asked when I received the first pre approval letter, where the house was and stated XXXX WA. The loan Officer had all of my information, such as mailing address and the address of my job, but the question didn't come up until very late in the process. Payments for earnest money ( XXXX  ), home inspection ( XXXX  ), water quality inspection ( XXXX  ) not to mention the cost of trips to the area that were in excess of XXXX. All through the process I shared what houses we were looking at and where they were located. Pictures and addresses were sent to the officers for their opinion. When I was finally asked about the distance, I informed them that it wouldn't be a problem for me, VU had me write a letter explaining how I planned to handle traveling to and from work, I did that and was told it wasn't good enough and that in the letter i stated i would be getting another job. It was confusing, on one hand I'm not supposed to change jobs and then I have to have a job closer. We got to within a VA appraisal of getting the house, almost like a child being born, only to have our Hopes and dreams dashed. Not only do we not have a house, but the owners of the house we wanted refuse to release the earnest money and the only way to get it back is to arbitrate or sue for contact breach. We would have moved closer and found employment if we knew this would be the outcome. I also contacted VU with my concerns and was informed the company is not responsible for the money we put out, but it would not have happened if we were told this from the beginning.

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 2019-11-25 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: NC

Complaint narrative:
XXXX XXXX Ss # XXXX XXXX : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiries that I find to be problematic. 
The inquiry in question was apparently made by Capital One Bank ( USA ) XXXX XXXX XXXX XXXX XXXX, Virginia XXXX I contacted Capital One Bank ( USA ) XXXX XXXX XXXX XXXX XXXX, Virginia XXXX asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
Please investigate this inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness.

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX Ss # XXXX XXXX : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiries that I find to be problematic. 
The inquiry in question was apparently made by XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX I contacted XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXasked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
Please investigate this inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible.

Thanks for your prompt attention to this matter,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX is reporting a loan I received negatively on my credit reports. I fell behind in payments after an injury caused me to lose my job. I was out of work for some time and could not pay my bills. I became homeless as well. Just recently, I got a new job and gross $ XXXX annually.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX Ss # XXXX XXXX : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiries that I find to be problematic. 
The inquiry in question was apparently made by XXXX XXXX XXXX XXXX  XXXX, CO XXXX I contacted XXXX XXXX XXXX XXXX  XXXX, CO XXXX asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
Please investigate this inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp
State: NC

Complaint narrative:
On XXXX XXXX, 2019 a call was initiated to LENDING CLUB due you to possible fraud activity. I spoke with several representatives XXXX XXXX, XXXX XXXX @ Ext : XXXX, Who were combative and failed to properly assist my concerns in reference to my account with LENDING CLUB. I was transferred then to another employee with LENDING CLUB by the name of XXXX XXXX who stated he is a supervisor in the payment solutions department. XXXX This complaint is to make notice of deceptive practices and unethical collecting this company has performed today. XXXX XXXX the supervisor admitted they documented wrong details pertaining to my account & admit to a breach of agreement took place on XX/XX/2019 and XXXX XXXX, 2019 ... Where multiple payments in the total of XXXX not even including over draft fees was withdrawn from my bank account without notice and without my consent by an employee by the name XXXX. The abuse of practice is a direct violation of the F.D.C.P.A Regulations Due to the errors made by LENDING CLUB it has adversely affected my credit report and impeding on my ability to obtain necessary credit. Time is of the essence so I expect your compliance of my request by the rules according to the FCRA Thank you for indicating your intention with resolving this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: WA

Complaint narrative:
I currently qualify for XXXX  student loan forgiveness, but have not yet met the 5 year mark. With this in mind, I applied for XXXX  student loan forbearance through FedLoan Servicing. The first application had a small error, but took the company 6 weeks to review the application when their own website states that application usually take several days, but will be handled in 10 days. The second, revised, applications currently being reviewed is still processing at 5 weeks. 

I have already qualified for forbearance in past years. FedLoan seems to be waiting as long as possible to review applications, knowing that they will collect payments that would actually be forgiven ( essentially making money on top of money ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-25 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XXXX XXXX Ss # XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiries that I find to be problematic. 
The inquiry in question was apparently made by Wells Fargo AutoXXXX XXXX  XXXX, CO XXXX I contacted Wells Fargo AutoXXXX XXXX  XXXX, CO XXXX asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
Please investigate this inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter,

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