vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-19 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 — Was not notified of investigation status or results
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
Case number XXXX was incorrectly closed without any action or resolution provided. The company illegally making the credit inquiry, XXXX, provided a blanket disclaimer that they were a third party and would audit Loan Depot 's permissable purpose. They did not provide any result or position on the matter. The case was closed without their audit resolution or intentions. I am requesting the issue be reopened until XXXX completes their audit and removes the false credit information or provides evidence that I applied for a loan -- evidence which does not exist. Loan Depot 's  telephone calls attempting to get me to refinance 3 months after my home purchase were 100 % rejected repeatedly. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is regarding the case XXXX with Experian and the case XXXX with XXXX XXXX. We have done some extra research and checked carefully and indeed there was an issue with XXXX XXXX, I never requested that but they put a dispute in my account. It seems that they do this kind of things to protect the customers from identity theft ( they could be other reasons too ), in doing so they put a credit freeze on the data of the affected clients, in other words they block the access to their credit files. 
I do not know why they decided to do that but it was negligent from them. The credit reporting was frozen and we did not know about that, when we realized that we called XXXX XXXX and requested the removal of that but they said that it would take weeks. In order to speed up the process we had to pay a fee of {$240.00} to the XXXX ( XXXX XXXX XXXX ) as you can see in the attached document. Anyway because of all the time wasted because of the negligence of XXXX XXXX, we could not get the credit reports on time and we lost the house and the time and money invested in the process. We paid a fee of {$370.00} for the required house inspection, money that we also lost. 
In the case of Experian, we were also calling them many times and talking with different people about our problem with the credit reporting, we were following their instructions, we gave them all the information requested and even we submitted all the requested documents in Black and White PDF files ( as requested ) through their official webpage but still we could not have the credit reporting. We are not sure but this problem with Experian could have been the effect of the dispute that XXXX XXXX put on my account. 
I am attaching here the copy of the email that my wife sent to me requesting the conversion of some documents to Black and White format and my reply with the documents. We already had the other documents in B & W format. I am also attaching a copy of the screenshot from the official Experian website after successfully submitting all the required documents.

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 2018-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi, There was a fraudulent transaction on my Bank of America travel rewards credit  card for {$180.00} by a merchant with name of " XXXX XXXX XXXX '' on XX/XX/XXXX. I was in XXXX  at that time, but i went nowhere near the XXXX XXXXXXXX XXXX or stayed there. So this was obviously a fraudulent transaction. 
Upon noticing the charge, I contacted XXXX  XXXX XXXX and asked about this charge. I got written confirmation from the hotel that they never made this charge and don't recognize it. They also confirmed that they never have a reservation under my name. 
Since this was obviously a fraud case, i filed chargeback with Bank Of America. After investigating for a month Bank of America ruled against me quoting that " either signature or pin was used in the charge, so it is not fraud ''. There is no pin on the credit card and I am sure I never signed anything. Bank of America did not even contact me as part of the investigation. 
Upon receiving this decision, i contacted Bank of America and reopened the dispute. Again they started investigation, but after a week of not even a single contact with me, they again ruled against me saying that they stay with their original decision. 

I felt very cheated. If Bank of America is investigating a fraud, why is that they are not even contacting the customer to see what evidence I have. Plus saying that either a pin or signature was used, which could easily be investigated and found to be false, is clearly a measure taken by the bank to descredit the customer and save themselves the hazzle of recovering this money or writing it off. 

Big banks like this should not be allowed treat customers like dogs. They should be held accountable to their policies of protecting their customer from fraud.

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 2018-08-19 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: Insikt, Inc.
State: CA

Complaint narrative:
These random companies keep pulling my credit report and I have not authorized any of these credit pulls. Every time I check my credit, a new hard inquiry is on my report and I have not agreed for anyone to pull my credit.

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 2018-08-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
I sent a certified letter to HUNTER WARFIELD on XX/XX/2018 and they failed to respond back within the ( 30 ) day time frame for the 2nd time. HUNTER WARFIELD also continues to violate my consumer rights by deliberately refusing to comply with federal and state law according to FCRA and FDCPA. Therefore, I believe their actions are discriminatory ; due to the fact, this item has been DELETED, RE-INSERTED BACK ONTO MY CREDIT REPORT, REDACTED and RE-AGED in the attempt to collect on an alleged account that they failed to VALIDATE on approximately ( 5 ) occasions according to FDCPA-Validation of Debts 15 U.S.C. 1692g. More so, it is against the law for HUNTER WARFIELD INC to continue reporting a disputed account to the credit bureau ( s ) ; nevertheless, trying to collect on an alleged debt without VALIDATING it first. Also HUNTER WARFIELD INC violated federal law by not notifying me within ( 5 ) days before they REQUESTED a DELETED account to be REINSERTED back onto my credit file pursuant to 15 U.S. Code 1681i ( B ) ( i ) ( ii ) and ( iii ) Requirements relating to reinsertion of previously deleted material. Since HUNTER WARFIELD refusal to respond to my request for validation and their noncompliance within the ( 30 ) day time frame is a violation of both the federal and state law according to the disclosure requirements of the Fair Debt Collection Practices Act, the Uniform Commercial Code and the FDCPA. ; due to fact, HUNTER WARFIELD INC fail to meet the legal requirements by law. Also, HUNTER WARFIELD is still adding interest on a close account which also violates the FCRA and the FDCPA. Furthermore, I do not believe that HUNTER WARFIELD is licensed to conduct business in my state etc.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: NC

Complaint narrative:
My Husband is XXXX and receives ssa he has to pay medication and doctors appointments out of pocket we appled for hardship XXXX discharge they were garnishing his XXXX they ask for documents I sent them in and now they are saying they need more doctors papers after telling me they didnt Nelnet said its not them XXXX XXXX said call Nelnet and we our suffering right now

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I disputed an inaccurate item on my credit report. However, I NEVER received any response back from Transunion concerning this matter ; therefore, I sent them a letter on XX/XX/XXXX requesting XXXX for them violating FCRA rules. Due to the fact, IT TOOK MORE THAN ( 160 ) DAYS AND TRANSUNION NEVER RESPONDED TO MY DISPUTE ; EVEN THOUGH THEY ONLY HAD ( 30 ) DAYS TO COMPLETE THEIR INVESTIGATION. Consequently, Transunion responded to my letter on XX/XX/XXXX by stating that the item was VERIFIED, which INDICATES that they NEVER read my letter because if they would have they would have none that I DID NOT file a dispute ; yet, I was requesting XXXX dollars because Transunion DID NOT complete their original investigation within the allotted time frame of ( 30 ) days. Therefore, I mailed a 2nd request for damages in the amount of XXXX on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 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: TX

Complaint narrative:
IN REGARDS TO EXPERIAN : XXXX. XXXX XXXX XXXX TX XXXX I HAVE BEEN A VICTIM OF IDENTITY THEFT AND FRAUD HAS BEEN COMMITTED IN OPENENING AN ACCOUNT IN MY A FRIVIOULOUS NAME UNDER MY SOCIAL SECURITY NUMBER. I HAVE DISPUTED WITH ALL AND YOU CONTINUE TO COME BACK WITH THE INFORMATION AS VERIFIED ACCURATE WHEN I KNOW IT IS NOT TRUE. I was wondering why the furnisher is reporting this account as accurate when they dont have legal status to do so.Im not a lawyer or anything but if a furnisher doesnt own the account anymore, then how can they validate it? This account is clearly inaccurate. Please delete this inaccurate information NOW. 
I asked for proof of the debt you claim I owe, and you sent me a basic print out that came from your computer. What happened to the document with my signature on it? I'M a victim of identity theft? This print out does not prove that I owe the debt listed below. 
Because you did not give me the documents requested, you did not prove I owe this debt. If you cant prove it, you cant report to the bureaus. As a result, you must delete this inaccurate item ASAP. If you continue reporting this item, I will continue to file complaints with the various agencies that regulate your organization such as your bond company and your professional insurance. In addition, I will explore all legal options on this matter. 
Im placing your company on notice. If this item is re-reported to the bureaus within the next 60 days or in the future, I will exercise my rights under the FDCPA and the Fair Credit Reporting ACT.Dont take me for granted.

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 2018-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
IN REGARDS TO XXXX : XXXX. XXXX XXXX XXXX TX XXXX I HAVE BEEN A VICTIM OF IDENTITY THEFT AND FRAUD HAS BEEN COMMITTED IN OPENENING AN ACCOUNT IN MY A FRIVIOULOUS NAME UNDER MY SOCIAL SECURITY NUMBER. I HAVE DISPUTED WITH ALL AND YOU CONTINUE TO COME BACK WITH THE INFORMATION AS VERIFIED ACCURATE WHEN I KNOW IT IS NOT TRUE. I was wondering why the furnisher is reporting this account as accurate when they dont have legal status to do so.Im not a lawyer or anything but if a furnisher doesnt own the account anymore, then how can they validate it? This account is clearly inaccurate. Please delete this inaccurate information NOW. 
I asked for proof of the debt you claim I owe, and you sent me a basic print out that came from your computer. What happened to the document with my signature on it? I'M a victim of identity theft? This print out does not prove that I owe the debt listed below. 
Because you did not give me the documents requested, you did not prove I owe this debt. If you cant prove it, you cant report to the bureaus. As a result, you must delete this inaccurate item ASAP. If you continue reporting this item, I will continue to file complaints with the various agencies that regulate your organization such as your bond company and your professional insurance. In addition, I will explore all legal options on this matter. 
Im placing your company on notice. If this item is re-reported to the bureaus within the next 60 days or in the future, I will exercise my rights under the FDCPA and the Fair Credit Reporting ACT.Dont take me for granted.

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 2018-08-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
IN REGARDS TO XXXX : XXXX. XXXX  XXXX XXXX TX XXXX I HAVE BEEN A VICTIM OF IDENTITY THEFT AND FRAUD HAS BEEN COMMITTED IN OPENENING AN ACCOUNT IN MY A FRIVIOULOUS NAME UNDER MY SOCIAL SECURITY NUMBER. I HAVE DISPUTED WITH ALL AND YOU CONTINUE TO COME BACK WITH THE INFORMATION AS VERIFIED ACCURATE WHEN I KNOW IT IS NOT TRUE. I was wondering why the furnisher is reporting this account as accurate when they dont have legal status to do so.Im not a lawyer or anything but if a furnisher doesnt own the account anymore, then how can they validate it? This account is clearly inaccurate. Please delete this inaccurate information NOW. 
I asked for proof of the debt you claim I owe, and you sent me a basic print out that came from your computer. What happened to the document with my signature on it? I'M a victim of identity theft? This print out does not prove that I owe the debt listed below. 
Because you did not give me the documents requested, you did not prove I owe this debt. If you cant prove it, you cant report to the bureaus. As a result, you must delete this inaccurate item ASAP. If you continue reporting this item, I will continue to file complaints with the various agencies that regulate your organization such as your bond company and your professional insurance. In addition, I will explore all legal options on this matter. 
Im placing your company on notice. If this item is re-reported to the bureaus within the next 60 days or in the future, I will exercise my rights under the FDCPA and the Fair Credit Reporting ACT.Dont take me for granted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 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: FL

Complaint narrative:
Capitol One charged me an annual fee for a card that doesn't have a fee. I switched cards and the new card doesn't have a fee. If I cancel my account I don't have to pay the fee. If I keep my account I have to pay a fee on an account that has no fee. I am in the middle of getting a loan and I don't want the credit ding with cancelling - otherwise I would of cancelled already. And they know this and are holding me hostage. If I have a card with no fee wave it. This is ridiculous.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-19 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: MN

Complaint narrative:
I have requested to have all old addresses removed and corrected to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. I sent several letters and nothing has been done. The address on file in inaccurate and needs to be removed immediately

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 2018-08-19 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I have requested to have all old addresses removed and corrected to XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX, MN XXXX. I sent several letters and nothing has been done. The address on file in inaccurate and needs to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have requested to have all old addresses removed and corrected to XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX, MN XXXX. I sent several letters and nothing has been done. The address on file in inaccurate and needs to be removed immediately

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 2018-08-19 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: MN

Complaint narrative:
I contacted Transunion and XXXX to dispute all hard credit inquiries on my credit report due to fraud and the XXXX  data breach and was told that it did not affect me when in fact it did as i have several inquiries that i did not initiate. they were unwilling to 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 2018-08-19 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: MN

Complaint narrative:
I contacted XXXX and Equifax to dispute all hard credit inquiries on my credit report due to fraud and the Equifax data breach and was told that it did not affect me when in fact it did as i have several inquiries that i did not initiate. they were unwilling to help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against CREDENCE RESOURCE MGMT. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Protection Association, L.P.
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against CREDIT PROTECTION ASSOCIATES. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.

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 2018-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against SEQUIUM ASSET MGNT. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation