vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I recently received a letter from XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX. 

I sent information to you showing the loan was transferred to you from XXXX XXXX XXXX. My loan was with XXXX XX/XX/XXXX until XX/XX/XXXX when it was transferred to XXXX XXXX XXXX XXXX XXXX. 
The loan wasn't transferred from XXXX XXXX XXXX  as you've stated. 

I will send this information to you once again, payments made also. 

You can pull my wage earner records from the courts because they are public records. XXXX XXXX XXXX did not notify the courts either. I pulled all of my court records from the courts in XX/XX/XXXX. 

I've been told that case have to be reopened. I'm in the process of doing just that, since you can't seem to get information from XXXX XXXX XXXX. I will send this information to XXXX XXXX XXXX XXXX XXXX   and the attorney I get to reopen the case. 

Someone created a EIN number using my personal information without my knowledge. XXXX XXXX XXXX XXXX XXXX also used TN XXXX XXXX XXXX Federal Identification number to report a XXXX to IRS in XX/XX/XXXX. I'm in the process of notifying IRS of this fraud. 

I pulled my credit report to learn that someone added an address for Michigan to my credit report. I have never lived there, nor have I visited there. I've lived in XXXX Tennessee all my life. I was my home XXXX years, until you -XXXX XXXX XXXX  XXXX XXXX XXXX it from me. 

May XXXX have mercy on your souls.Because of you I'm homeless. All of my former employers have been deleted from my credit report. And I've worked since the age of XXXX. I notified the Attorney General Office also. You should be ashamed of yourselves.

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 2018-03-06 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: VA

Complaint narrative:
There are two fraudulent hard inquiries on my credit report that I DID NOT authorize. They are as follows : XXXX XX/XX/XXXX XXXX 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 2018-03-06 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: MD

Complaint narrative:
Equifax released my personal information due to a hack and my identity was stolten, with 1000s of dollars of fraud committed in my name. I filed a fraud alert, and froze every credit bureau account. 

Then, someone filed a change of address to my account ( which should not be able to occur at all due to freeze and fraud alert ) for an address that does not even exist. 

This company literally supports fraud by not actually investigating changes to your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried fixing this on my own directly with the credit bureau and it has yet to be fixed. XXXX & Equifax is reporting 2 accounts with late payments and this is incorrect. 

1. XXXX is showing 2 late payments for XX/XX/XXXX & XX/XX/XXXX. This is absoultely incorrect and needs to be removed immediately as it is affecting me negatively and should never have been reported. 

2. XXXX XXXX is showing 1 late payment for XX/XX/XXXX. This is also absolutely incorrect and needs to be removed immediately as it is affecting me negatively. This should have never been reported late and XXXX is saying it's not on their end. 

Lastly, the address being reported on both XXXX and Equifax that has never been my address and I have disputed and it keeps getting added is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX PLEASE REMOVE THIS IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-06 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: OH

Complaint narrative:
I disputed the information from my report because it dose n't belong to me over 3 times and still haven't gotten a response from the company. I want this account removed ASAP.

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 2018-03-06 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: MI

Complaint narrative:
Over the last few months I have been trying to get my credit work done between the three credit bureaus XXXX Trans Union and XXXX they have failed to honor and repair my credit I have a notice that shows and if you read it it will tell you according to the fair credit report section XXXX you are required by law federal law to verify through physical verification of the original signature and they do not do that they Get online and wait for the creditor to respond no written signature from me and then they say that the credit is mine they to nothing

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 2018-03-06 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Over the last few months I have been trying to get my credit work done between the three credit bureaus XXXX XXXX XXXX and experience they have failed to honor and repair my credit I have a notice that shows and if you read it it will tell you according to the fair credit report section XXXX you are required by law federal law to verify through physical verification of the original signature and they do not do that they Get online and wait for the creditor to respond no written signature from me and then they say that the credit is mine they to nothing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Glasser and Glasser, PLC
State: VA

Complaint narrative:
I received a letter from GLASSER AND GLASSER, a debt collection law firm in XXXX, Virginia. They claim I still owe XXXX  XXXX XXXX {$4400.00} for a debt that was charged-off 9 years ago. The statute of limitations for debt, in Virginia, is 6 years. this is the second letter I have received from this law firm, the last one was in XX/XX/XXXX. I am sure this is probably a scam being perpetrated by either XXXX XXXX XXXX or Glasser and Glasser. I want this matter resolved, because I do not owe this money. 
Also, if the debt were still active, it would show as a negative entry on my credit record. What is my legal recourse on this matter? Your help will be greatly appreciated. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX phone ( XXXX ) XXXX Monday-Friday after XXXX XXXX anytime Saturday and Sunday

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 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: VA

Complaint narrative:
There are two fraudulent hard inquiries on my credit report that I DID NOT authorize. They are as follows : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Moneytree Inc
State: CO

Complaint narrative:
they send me an email states the money is coming out on fri and then they don't take the paymnt for at least five days esp. if weekends involved and once when It didn't clear they charged me a XXXX fee for late pymnt when it s their fault and I was assured then when I paid the late pymnt that wouldn't happen again and continues to happen

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 2018-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I had no idea who this company is ... never had credit through them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: PA

Complaint narrative:
I don't have any information because i don't know who XXXX is. Never recieved anything from them. This charge is completely false.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 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: Midstate Collection Solutions, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX  PO BOX XXXX XXXX, IL XXXX ( XXXX ) XXXX, filed a small claims lawsuit against me approximately XX/XX/XXXX-XX/XX/XXXX. The information reported was incorrect and a counterclaim was filled. On XX/XX/XXXX the collection agency ( Midstate ) admitted to the error and requested I only pay the amount of the initial bill and they are recusing themselves of responsibility and declining to collect any collection fees. The initial bill was for {$5600.00}. This was done before my insurance had even settled with the hospital, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX the error was addressed Midstate requested I drop my counterclaim and pay the amount of the bill {$2500.00} ( this was the total amount due after the insurance and XXXX XXXX XXXX finally XXXX the bill ). I paid the full amount of {$2500.00} and the case was dismissed. After thirty ( 30 ) days the amounts were still showing an outstanding balance on my credit report. My job became aware of this and demanded I get it taken care of or I would be terminated. I have a no debt section of my employee contract. I called XXXX from Midstate and was told after the debt was paid is was not their responsibility to report it to the credit unions. I filed a dispute with XXXX and XXXX  ( I provided all documents and court documents ). On XX/XX/XXXX I received a letter from XXXX stating the contacted Midstate and were advised the accounts are verified as accurate. I called Midstate and inquired why they would do this. I was told by XXXX all my accounts are closed and I have a XXXX   balance with Midstate. She advised me to go ahead and try and dispute it again. Maybe it will get fixed this time. I have tried to fix this following all of the levels of dispute protocols. I now believe the money Midstate lost from this case has been causing them to do this intentionally out of malice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was charged a {$35.00} overdraft fee on XX/XX/XXXX for a check charge in the amount of {$23.00} when my account never went negative and the balance ended at {$58.00} on this day. I contacted the bank and spoke with XXXX and the XXXX and was told it was because of a pending {$8.00} XXXX XXXX charge. Even if that were true it still does not bring the account to a negative balance. The refused to give me the phone number to corporate or speak with anyone else regarding this matter. I was charged a fee incorrectly and they have done nothing to resolve this matter. I have been a customer of BofA since XX/XX/XXXX and this makes no difference to them.

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 2018-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I have been trying to get the dispute remarks removed from my credit report for 1 month now. I have called in 4 times to get the remarks removed and each time I have been told that it is complete and that it would take 48 to 72 hours and this has not been completed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-06 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: CA

Complaint narrative:
I received a credit alert several days ago that a hard credit inquiry had been added to my account. The inquiry is from XXXX and is date XX/XX/2018. I did not authorize this credit inquiry, and I don't not currently, nor have I ever had, a XXXX account. 

I have had several other fraudulent credit checks on my account over the last month, and I have issued a fraud alert on my credit, which was put in place prior to the date of the XXXX credit inquiry. 

I have attempted to contact XXXX customer support several times to notify them of the fraudulent credit check. My concern is that someone has used my personal information to open an account with them. All of my interactions with XXXX customer support have been unproductive. I have been told each time that they are unable to remove the unauthorized credit check, and have not given me any information or different point of contact to for how to remove the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received a credit alert several days ago that a hard credit inquiry had been added to my account. The inquiry is from XXXX and is date XX/XX/2018. I did not authorize this credit inquiry, and I don't not currently, nor have I ever had, a XXXX account. 

I have had several other fraudulent credit checks on my account over the last month, and I have issued a fraud alert on my credit, which was put in place prior to the date of the XXXX credit inquiry. 

I have attempted to contact XXXX customer support several times to notify them of the fraudulent credit check. My concern is that someone has used my personal information to open an account with them. All of my interactions with XXXX customer support have been unproductive. I have been told each time that they are unable to remove the unauthorized credit check, and have not given me any information or different point of contact to for how to remove the inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
To whom it may concern, To explain my situation I have to start back in XX/XX/XXXX just before the onset of the mortgage crisis. At the time I had refinanced and combined a {$150000.00} mortgage with a {$50000.00} mortgage making a combined mortgage of {$200000.00} with XXXX XXXX.. On the loan agreement it is stated that current market value of the home at the time was {$270000.00}. 
Fast forward to XX/XX/XXXX. I finished off my basement and for that I took out another mortgage worth {$35000.00} with XXXX. Almost simultaneously that year I was receiving calls from XXXX XXXX. As we all know now this was a time when corporate greed was rampant which led to the historic mortgage crisis.Loans were being handed out like candy. The loan representative that I spoke with at XXXX XXXX stated we qualify for another mortgage. I took out a third mortgage for {$86000.00}. He stated that we would easily by able to turn around and refinance all of these loans into one mortgage. It was a very naive and not well thought out decision on my part. Remember back in XX/XX/XXXX the current market value of our home was {$270000.00} $ When I took out the third loan with XXXX XXXX in XX/XX/XXXX, they inflated the current market value to {$300000.00}. That is an inflation of {$36000.00} in less than 2 years. It is a known fact that the greedy mortgage companies would inflate the value of homes in order to sell mortgages leaving people to owe more than their homes were worth. 
Currently I owe more than my home is worth to this day. I struggle to make payments. Please cut me a fair deal ridding me of my mortgage with XXXX XXXX ( which has since sold the mortgage to Citimortgage ). Citimortgage recently denied me a loan modification. I just want to owe what my home is worth. I struggle to make payments, I am often lagging behind. My credit is now poor. The ripple effect of taking out that mortgage will last me the rest of my days. It has robbed me of time I could have spent with my XXXX children and my wife as I have always had to work multiple jobs to stay afloat. I didn't deserve such a lasting negative effect on my life for one attempt to enrich our lives by taking out loans meant to improve our quality of life. We want to stay in our home and deserve that chance to continue to bring up our family here. This is no mansion it is a one level ranch but it is still our home. 
We are victims of predatory lending! Make no mistake we are victims! We did not inflate the value of our home the mortgage company did. I call for an annulment or eradication of my loan with Citimortgage ( previously 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 explanation
Consumer complaint received 2018-03-06 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have been trying to get the dispute remarks removed from my credit report for 1 month now. I have called in 4 times to get the remarks removed and each time I have been told that it is complete and that it would take 48 to 72 hours and this has not been completed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-06 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: CORELOGIC INC
State: NC

Complaint narrative:
XX/XX/XXXX I attempted to call XXXX ( XXXX ) XXXX-XXXX and recording said this number was no longer in service or disconnected. The address is XXXX, XXXX XXXX, CA XXXX XX/XX/XXXX is the date the inquiry was made. 


XXXX 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 explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: GA

Complaint narrative:
IN XX/XX/XXXX, I CONTACTED NELNET TO INQUIRE ABOUT ACCRUED INTEREST ON MY LOANS BETWEEN XX/XX/XXXX-XX/XX/XXXX. OVER {$7000.00} IN INTEREST HAD ACCRUED DURING THIS 3 MONTH TIME-SPAN, ALTHOUGH ALL OF MY LOANS SHOULD BE IN A GRACE PERIOD. I GRADUATED FROM XXXX ON XX/XX/XXXX ... MY REPAYMENT SHOULD NOT START UNTIL XX/XX/XXXX. I HAVE MADE 3 FORMAL COMPLAINTS ABOUT THIS.

Company response to consumer: Closed with explanation