vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-06 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: MAJR Financial Corp
State: NV

Complaint narrative:
I have noticed that MAJR FINANCIAL CORP have placed an inquiry on my XXXX credit file dated XX/XX/2018. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both XXXX XXXX XXXX and XXXX  to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report  under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: WI

Complaint narrative:
I posted a couch for sale on XXXX and XXXX XXXX sent me a cashier 's check for {$1900.00}, which was much more than I was selling the couch for. He asked me to pay movers {$1700.00} to deliver the couch to him. I sent {$900.00} through XXXX to him before I realized it was a scam. PNC and XXXX were unable/unwilling to help in any way. The cashier 's check was mailed from a large office building in XXXX XXXX, and used the routing number of a XXXX XXXX XXXX XXXX in XXXX XXXX, CA. The check bounced about a week later.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
Navient may be avoiding submitting my XXXX  Loan Forgiveness application to the guarantor, or the guarantor could be delaying a response. According to my records, I originally submitted the application in XXXX of XXXX. On XX/XX/XXXX, months after I submitted the application, in response to my email query, they informed me that the application had been resubmitted to the guarantor, but that I may have a wait of up to 120 days before a response should be expected. Since XX/XX/XXXX was well into that 120 day period, I submitted further requests for information. On XX/XX/XXXX, they responded with the exact same information, and continued to do so on XX/XX/XXXX and XX/XX/XXXX - all in response to my further requests via email for information. It is now XX/XX/XXXX, and I still have no word from them about the status of my application, and I don't believe they intend to inform me further. In the meantime, they put my loan in forbearance. They said this was a courtesy, but I have never been late, and have made it a priority to pay on time, and I asked them, via a phone call, to take the loan out of forbearance because I want to keep my high credit rating ( of course! ). It also looks like they have not taken my loan out of forbearance, and I suspect that every time they put it in, it increases some fee which is added back into the loan. This loan forgiveness is dearly needed. I attended my college on a special half-price scholarship for older students, but my student loan documents stated that the cost of my education was still twice what it should have been for the salary I was making. Can you help me with this issue?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-06 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: MN

Complaint narrative:
on XX/XX/2019 I was browsing on XXXX website to shop for a cell phone. They had a simulator which looked for financing options and potential payments. They wrote explicitly in writing, without any disclaimers to hard or soft inquiry, they wrote, doing this would not affect my credit score on XXXX-affecting both my trans union and XXXX scores equally However upon checking my credit score, it dropped a significant 40 points with no detail to how or why. On the same day I call XXXX  and they said they would email me as they are escalating the issue. i have not received any such communication.

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 2019-10-06 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: FL

Complaint narrative:
I am a victim of Identity Theft, I have requested that this be removed from my account over the last 6 months, I called equifax spoke to a supervisor and was advised that the only way to have these items removed are to make a complaint because that is the onky way that they will remove these items. I feel as if that is horrible to treat someone who is alreasy going thru something like this in that way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I live in XXXX Florida that was affected by hurricane Dorian. My area was declared a state of emergency by our governor at that time. Because of that storm, our central air conditioning unit in our house stopped working due to high winds. The unit could not be repaired. So, we had to purchase an entire new system for {$3900.00}. This took all of our money. I am on permanent social security XXXX. My wife is too as she has XXXX. Therefore, we had no other choice for health reasons to have the new system installed. This predicament caused me to miss a payment on my Capital One card. In anticipation of this, I called Capital One right after the hurricane and explained my circumstances and that I would be able to continue paying again in XXXX. I was assured by their customer service agent over and over again that I had nothing to worry about and that my credit score would not be affected by any late payment reporting. Lo and behold, when I recently went to check my credit score, it went down 30 points. Capital One lied to me and reported me as being late anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One was reporting a card # XXXX-XXXX ( the last 4 numbers are XXXX ) owed and past due on my credit report and capital one was able to verify the numbers with me originally and last year they removed the item. 

Two weeks ago XXXX had yet another file error and Capital One is now re-reporting this item on my credit file. I called Capital One and after 1 hour and 40 minutes with 5 different representatives, I was advised by that they would contact me to fix this. I have not received any phones call, emails or mail from them and the item is still on my report. 

This account is in a different social a security or tin number, different name and using an address that I don't use. The social or tin they use is XXXX, where is my social ends with xxx-xx-XXXX, for security I will not reveal my entire real social here. 

This is the information on the original person who handled this and it was removed from my XXXX credit report : Case : XXXX 5 Fax XXXX XXXX, spoke to in 2018 to remove bad entry on XXXX Ext : XXXX Call back XXXX, pin XXXX A copy of the police reports, credit listing and other information are enclosed for the record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-06 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I have noticed that SYNCB have placed an inquiry on my XXXX  credit file dated XX/XX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both SYNCB and XXXX to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false  pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''

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 2019-10-06 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: TX

Complaint narrative:
In XXXX of 2019, I received a notification through my credit monitoring service that XXXX XXXX XXXX reported 30 and 60-day late payments to the 3 major credit bureaus. I have since disputed this erroneous information and sent a debt verification letter to Equifax requesting that they verify this debt, since I never opened an account with XXXX XXXX XXXX. I asked for very detailed and specific information, under the rights afforded to me through the Fair Credit Reporting Act. I was then sent a letter back saying that the information was verified, but did not state how. After sending a method of verification letter to Equifax, I received a notification back saying that the information has been modified and that there was a request made to the reporting company to verify the accuracy of the information disputed ; however, code 609 of the FCRA outlines the responsibilities of the credit bureaus as follows : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer ( Page 36 ).

609 ( c ) ( 2 ) Summary of rights required to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section ( Page 39 ) 609 ( c ) ( 2 ) ( E ), a statement that a consumer reporting agency is not required to remove accurate derogatory information from the file of a consumer, unless the information is outdated under section 605 or can not be verified. 

These codes clearly state that the information used to verify information in my credit report should be in the files of the credit bureau, not the creditor, and any information that can not be verified should be REMOVED. Since Equifax has been negligent and dismissive in their handling of my dispute, I am requesting a full deletion of XXXX XXXX XXXX collection from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
equifax lower my score by 61 pts, nothing shows in report negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Ive been dealing with XXXX XXXX for months. Ive had numerous unauthorized charges on my card that I cant remove and its messing up my credit. These are fraudulent charges

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 2019-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: CO

Complaint narrative:
In XXXX I had a Discover credit card which went into collections and was ultimately closed in that same year. Discover confirmed with me that the account was in fact closed in early XXXX. In any event years after any kind of statute of limitations has run, in XXXX they filed a 1099 C Cancellation of Debt with the IRS. I never received a copy nor was I aware of this tax form when I filed my taxes in XXXX. In XXXX I was insolvent due to economical hardships and filed as such with the IRS on other debt that had been canceled that year. 10 years later -- XX/XX/XXXX the IRS has notified me of an issue with my XXXX tax return because Discover filed a 1099C without my knowledge. I have contacted Discover who says they are allowed to file a Cancellation of Debt this far out. That can not be correct, isn't a debt canceled when the company ceased collecting and the payor stopped paying? I requested that they issue a corrected 1099C form but was told the issue would go into their consumer fraud division.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Ive been dealing with XXXX XXXX for months. Ive had numerous unauthorized charges on my card that I cant remove and its messing up my credit. These are fraudulent charges

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 2019-10-06 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: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Again I am forced to file a compliant against Mr. Cooper. ( I have attached documentation of the previous complaint # XXXX and for the record ; this compliant is based on the same loan as the one reported in XXXX ). In XXXX of XXXX, we submitted for a loan from XXXX for our retirement home. We were denied because we have XXXX late mortgage payments reported by Nationstar Mortgage LLC ; dba Mr Cooper. Another mortified moment cause by Mr.Cooper. We immediately contacted XXXX XXXX an Escalation Agent at Mr. Cooper. Mr. XXXX assured us everything would be cleared within 30 days. We had no reason to doubt Mr. XXXX. In XXXX we received a XXXX Mortgage Interest statement from Mr. Cooper. Did they take unaccounted funds from the XXXX mortgage payoff? May I have an accounting distribution statement? I then checked our credit and discovered we still had the 2 delinquent payments. This time instead of trying to get Mr. Cooper to act with integrity and professionalism, I obtained a mortgage attorney. The letter from my attorney is attached. Mr. Cooper sent a reply on XX/XX/XXXX. As you can see ; Mr. Cooper said they would respond by XX/XX/XXXX. As of today ; XX/XX/XXXX we do not have any communication from Mr. Cooper addressing this extremely stressful situation AND we still have 2 mortgage delinquents reported on our credit report. I've looked into Nationstar L.L.C. ; dba : Mr. Cooper. I have discovered they have a real " nightmare '' customer service image. Mortgage and credit reports are a SERIOUS MATTER! The negligence and disregard displayed by many of Mr. Cooper 's " staff '' is not acceptable, maybe they need mandatory customer service training. I have a briefcase filled with documents pertaining to this loan ; which was closed ( theoretically ), in XXXX. We are less than 60 days from having to deal with this nightmare for 3 YEARS. We are only asking for this to end with Mr. Cooper doing what is legal and right! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 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: FL

Complaint narrative:
I live in XXXX Florida that was affected by hurricane Dorian. My area was declared a state of emergency by our governor at that time. Because of that storm, our central air conditioning unit in our house stopped working due to high winds. The unit could not be repaired. So, we had to purchase an entire new system for {$3900.00}. This took all of our money. I am on XXXX XXXX XXXX XXXX. My wife is too as she has XXXX. Therefore, we had no other choice for health reasons to have the new system installed. This predicament caused me to miss a payment on my XXXX XXXX card. In anticipation of this, I called XXXX XXXX right after the hurricane and explained my circumstances and that I would be able to continue paying again in XXXX. I was assured by their customer service agent over and over again that I had nothing to worry about and that my credit score would not be affected by any late payment reporting. Lo and behold, when I recently went to check my credit score, it  went down 30 points. XXXX XXXX lied to me and reported me as being late anyway.

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 2019-10-06 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: FL

Complaint narrative:
I live in XXXX Florida that was affected by hurricane Dorian. My area was declared a state of emergency by our governor at that time. Because of that storm, our central air conditioning unit in our house stopped working due to high winds. The unit could not be repaired. So, we had to purchase an entire new system for {$3900.00}. This took all of our money. I am on permanent social security XXXX. My wife is too as she has XXXX. Therefore, we had no other choice for health reasons to have the new system installed. This predicament caused me to miss a payment on my XXXX XXXX card. In anticipation of this, I called XXXX XXXX right after the hurricane and explained my circumstances and that I would be able to continue paying again in XXXX. I was assured by their customer service agent over and over again that I had nothing to worry about and that my credit score would not be affected by any late payment reporting. Lo and behold, when I recently went to check my credit score, it went down 30 points. XXXX XXXX lied to me and reported me as being late anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 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: FL

Complaint narrative:
I live in XXXX Florida that was affected by hurricane Dorian. My area was declared a state of emergency by our governor at that time. Because of that storm, our central air conditioning unit in our house stopped working due to high winds. The unit could not be repaired. So, we had to purchase an entire new system for {$3900.00}. This took all of our money. I am on permanent social security XXXX. My wife is too as she has XXXX. Therefore, we had no other choice for health reasons to have the new system installed. This predicament caused me to miss a payment on my XXXX XXXX card. In anticipation of this, I called XXXX XXXX right after the hurricane and explained my circumstances and that I would be able to continue paying again in XXXX. I was assured by their customer service agent over and over again that I had nothing to worry about and that my credit score would not be affected by any late payment reporting. Lo and behold, when I recently went to check my credit score, it went down 30 points. XXXX XXXX lied to me and reported me as being late anyway.

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