vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-08 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: TX

Complaint narrative:
I have checked my credit through XXXX XXXX to see why I been denied on purchasing a tv through credit and saw that I have two credit report through synchrony bank which o do n't recognize or know about and I been to trying to dispute it from my record.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I had recently sent a request for my all 3 of my credit reports by free annual credit report and TransUnion responded and requested for information. In response to TransUnions request I sent my ID and Social Security card. Today I received another reply from TransUnion and I did not not need to go through this same process with the other credit bureaus which were cooperative. I have lived at my current address for more than 2 years and had sent TransUnion my ID and Social security card as requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 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: LEXISNEXIS
State: WA

Complaint narrative:
On XXXX XXXX, 2017 I sent a letter to LexisNexis informing them they were incorrectly reporting a bankruptcy on my file with them and asking them to validate the information or remove the entry from their file. The letter was sent certified, return receipt, which they signed for on XXXX XXXX, 2017. I never received a reply to my letter. I followed up with another letter on XXXX XXXX, 2017, informing LexisNexis that since they had not responded to my letter within 30 days the entry needed to be removed. I then received a response from LexisNexis on XXXX XXXX, 2017 stating the data in question was reporting accurately, but they never explained how they validated the accuracy.
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I believe this is a violation because 1 ) the investigation took longer than 30 days ; and 2 ) they did not provide the method used to validate the accuracy of this entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I used Paypal to send money to an international seller of an item I won via auction. The seller asked me to use the family and friends option to avoid them having to pay any fees. I did n't see an issue with this as this seller has celebrity clients. I would think with that kind of backing I would n't have to worry about being scammed. The auction I won was pricey so they did allow me to split the payment into 2 different transaction. I even paid a week earlier than I expected to be able to pay. Everything seems ok. They provided a tracking number but for a week it did n't work. They said first it would take 48 to post. Then they said they would check into it. Then they said it was siting in customs and would be resent. I even gave them my phone number to contact me if they had any issues. All of a sudden the messages stopped and I realized I was blocked. I have screenshots of our conversations. I tried to dispute the claim on Paypal but since I sent via family or friends its not disputable. I now know why they requested me to send payment that way. So then I tried to submit a dispute for the currency exchange and they declined it. I 'm very upset as I 've been a verified Paypal user for years with no claims ever filed against me. I just want a refund for the money I paid. Any help would be greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I applied for a loan today and was advised that my Equifax report was locked. I have not locked my report or requested for my report to be locked. Equifax has done this in retaliation for pending litigation I have against them. My

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 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: TX

Complaint narrative:
Transunio n Credit Inquiry Issue  These inquires where deleted from my report last year and now they are visible Transunion refuses to take them off   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 2017-07-08 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
The company allowed someone to add my husband onto their credit card account as an authorized user without his knowledge or consent. We have no idea who the account holder is or how this happened. It is preventing us from moving forward on our mortgage loan. I spoke with the office of the president at Barclays Bank and they provided me with a letter stating that I have been removed from the account. However the credit reporting is still on my credit report and they are unwilling to electronically correct this error and remove the account entirely from my credit report until the normal reporting date of the  XXXX . THIS IS PREVENTIN G US  FROM APPLYING FOR A MORTGAGE AND IT 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 2017-07-08 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Wells Farg o Car dealer services is very annoying with the frequent phone calls throughout the day. I am only 13 days late and they are frequently calling my phone 4-6 times a day like I am 3 months past due. I have a another vehicle in my name and that company do not even call me when I almost 30 days late. They would send a friendly reminder txt or email. Wells Fargo Car dea ler services is out of control with telemarketing/debt collector calling. Today  XXXX  they call me four times and my loan not even 30 days late. Then they do n't leave a message when they call. I 'm working throughout the day to be accepting their phone calls. It 's very annoying!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
On XXXX, XXXX, 2017 I found out that a " Bank Levy '' was placed on my XXXX XXXX account by Rubin & Rothman LLC. Placed a hold on all my account funds & Deduction of {$450.00}. I was never summoned to court or sent a letter to dispute or for debt to be validated before placing a " Bank Levy '' on my account, causing me severe financial difficulties and more fees to other bills that I had paid and were returned due to Rubin & Rothman LLC placing a Bank Levy without any prior notification or writing notices. I feel my consumer rights were violated by Roth & Rothman.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 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: GA

Complaint narrative:
On XX/XX/XXXX, Equifax put a late payment on my credit report for an account that I closed in XXXX 2017. XXXX XXXX had went out of business and I called there customer service line and they did n't have a clue how I was suppose to submit my payment for a credit builder account. The account showed closed in XX/XX/XXXX on my credit report and now in XX/XX/XXXX It 's back open with a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
I had a mortgage loan with Litton loan servicing I fell behind on my payments and was given a loan modification. What I did not realize is XXXX added XXXX to my loan balance in fees for the modification. Ocwen brought my loan and I did fine until I had some life threatening health issues, which caused me to fall behind on my payments. After being threatened with foreclosure I decided to sell my home. I 've been asking for a payoff amount for a few months. I was told to refer to the princable amount listed on the website. After entering into a contract with a buyer I was told the payoff amout is an additional XXXX dollars. The amount on the web site states XXXX. What recourse do I have to stop from paying these bogus fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Sear Gold Cred it Card Report shows account was closed in   XX/XX/XXXX  and date of 1st delinquency was  XX/XX/XXXX  I did tried to resolved this for lower monthly payments and or settle it for lower balance but was denied! Customer Serv ice representatives were very rude and threatened me with a charged off to ruined my 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 2017-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, put a late payment on my credit report for an account that I closed in XXXX 2017. XXXX XXXX  had went out of business and I called there customer service line and they did n't have a clue how I was suppose to submit my payment for a credit builder account. The account showed closed in XX/XX/XXXX on my credit report and now in XX/XX/XXXX It 's back open with a late payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, put a late payment on my credit report for an account that I closed in XXXX 2017. XXXX XXXX had went out of business and I called there customer service line and they did n't have a clue how I was suppose to submit my payment for a credit builder account. The account showed closed in XX/XX/XXXX on my credit report and now in XX/XX/XXXX It 's back open with a late payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 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: CA

Complaint narrative:
The company allowed someone to add my husband onto their credit card account as an authorized user without his knowledge or consent. We have no idea who the account holder is or how this happened. It is preventing us from moving forward on our mortgage loan. I spoke with the office of the president at  XXXX    XXXX   and they provided me with a letter stating that I have been removed from the account. However the credit reporting is still on my credit report and they are unwilling to electronically correct this error and remove the account entirely from my credit report until the normal reporting date of the  XXXX . THIS IS PREVENTING  US FR OM APPLYING FOR A MORTGAGE AND IT NEEDS TO BE REMOVED IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 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: Coastal Finance Company, Inc.
State: NC

Complaint narrative:
Coastal XXXX I turn the car in so it was not a repo .the sold the car and I got. Check for for what they got over the loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 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: Midwest Recovery Systems
State: NC

Complaint narrative:
I took out a payday loan with the XXXX XXXX in XX/XX/XXXX. The total loan amount was for {$1200.00}. Over the course of the next 7 months I paid back {$1800.00} ... which is way over the original loan amount plus interest. In the state of NC payday loans are illegal and I was advised in XXXX XXXX by the states attorney generals office that I only had to pay back the principal and nothing else. Because I had paid back the principal and interest I paid nothing else. I sent cease and desist letters and never heard anything else from them. Fast forward to XX/XX/XXXX ... 5 years later, a collection shows up on my credit report with Midwest Recovery for {$1700.00} from the cash line! Midwest recovery has never sent me a letter, phone call or anything for this ridiculous debt! This should be removed immediately from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: MD

Complaint narrative:
Lexington Law pr omised me they will help me to repair my  credit score and I  paid them more than {$1000.00} and I am still a point zero. They did do anything for the last 12 months.   XXXX  They also took money out of my checking account without my consent.   XXXX  How can I have my money back please? I did not and will not sign anything with them. They do not stop to call me and trying to make me sign an online agreement which I do not want to do.   I just want my money back!   XXXX  Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I took out a payday loan with the XXXX XXXX in XX/XX/XXXX. The total loan amount was for {$1200.00}. Over the course of the next 7 months I paid back {$1800.00} ... which is way over the original loan amount plus interest. In the state of NC payday loans are illegal and I was advised in XX/XX/XXXX by the states attorney generals office that I only had to pay back the principal and nothing else. Because I had paid back the principal and interest I paid nothing else. I sent cease and desist letters and never heard anything else from them. Fast forward to XX/XX/XXXX ... 5 years later, a collection shows up on my credit report with XXXX XXXX for {$1700.00} from the XXXX XXXX! XXXX XXXX has never sent me a letter, phone call or anything for this ridiculous debt! This should be removed immediately from my credit report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 days and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA, they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Quality Loan Service Corporation
State: NV

Complaint narrative:
Quality Loan Service posted a Notice of Trustee Sale at my door today, they are attempting to do a non judicial foreclosure as a Trustee based on a note I executed with the Lender ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX XXXX XXXX went out of business. I have been asking my loan servicer ( XXXX XXXX ) and Quality Loan to please let me know who is the Beneficiary of my loan. They have refused to provide me that information. I believe that only the the current beneficiary is authorized to instruct the trustee to initiate the nonjudicial foreclosure process. Since the last known beneficiary was XXXX XXXX XXXX XXXX and they went out of business, I would like to know who is the current beneficiary and the proof of their purchase. This is the only reason I was afraid to negotiate a modification with XXXX. I became suspicious after they took money from Nevada 's Hardest Hit Fund on my behalf but refused to bring my loan current after that. I would like to see proof of who owns my loan now and if they are authorized to order Quality Loan Services to foreclose on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES
State: FL

Complaint narrative:
Excess payments are applied toward future payments and there is not a simple way to apply the payments toward principal reduction. I have contacted the lender as well as attempted to have the excess payments applied to no avail. The funds are currently held in " escrow '' and the loan is paid through XX/XX/XXXX which negates the purpose of what I am trying to accomplish. The lender told me that the excess funds would be applied toward the principal after a phone call but I found that was not the case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Tax Liens that were satisfied in a Chapter XXXX several years ago keep appearing as derogatory information on my Credit Bureau Reports. The IRS ruled that I was not responsible for tax debt incurred by my ex- wife, XXXX XXXX ( XX/XX/1970, ) and awarded me INNOCENT SPOUSE Status as a result of their investigation. Please remove these last remnants of my ex- wife 's malfeasance from my Credit Bureau reports. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Ad Astra Recovery Services Inc
State: TN

Complaint narrative:
XXXX 2017 {$500.00} I have filed a dispute with Ad Astra Recovery to verify because no contract was signed they sent back it was verified with no proof

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 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: NY

Complaint narrative:
I have filed multiple disputes with TransUnion in regards to my XXXX home loan. It reports that I was late twice once for 30 and once for 120. It was a balloon loan where only the one payment could be reported as late It should be updated to one payment late of 120. They do not seem to review the dispute or the backup provided. I am requesting that this be rectified.

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