vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-24 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: TN

Complaint narrative:
I was advised to contact you all regarding items on my credit that are not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 
XXXX XXXX XXXX XXXX ( XXXX : XXXX Transunion : XXXX ) XXXX XXXX ( XXXX : XXXX  Transunion : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ) XXXX XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ) XXXX XXXX ( XXXX : XXXX XXXX   : XXXX Transunion : XXXX ) XXXX  XXXX XXXX  ( XXXX : XXXX ) XXXX XXXX   ( XXXX : XXXX ) XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ). 

Thank you for all your help with this.

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 2018-08-24 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: TN

Complaint narrative:
I was advised to contact you all regarding items on my credit that are not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 
XXXX XXXX XXXX XXXX ( Equifax : XXXX XXXX : XXXX ) XXXX XXXX ( Equifax : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX  ) XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ) XXXX XXXX ( Equifax : XXXX XXXX   : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX ) XXXX XXXX ( XXXX : XXXX ) XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX  : XXXX ). 

Thank you for all your help with this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-24 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: IL

Complaint narrative:
I notified XXXX  ( XX/XX/2018 ), Equifax ( XX/XX/2018 ), and XXXX ( XX/XX/2018 ) of inquiries that I did not authorize. I requested verification of these inquiries. Each Reporting Agency responded by giving me the definition of inquires as if I was asking for information pertaining to it. I am seeking for proof of my authorization for these companies to report these inquiries. This is effecting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc.
State: PA

Complaint narrative:
AR Resources is trying to collect on four {$25.00} accounts that have been previously paid. I provided them proof of payment within the 30 day requirement and advised I was disputing the validity of each debt. They never responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 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:
The credit bureaus failed to provide me with a proper investigation as well as provide me physical proof that the accounts I disputed was my account, I wrote to the three bureaus XXXX, XXXX, & equifax on 3 different occasions XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX requesting they Please send me copies of the documents that you have in their files as of this date that they used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all of the documents that they have recorded and retained in my file at the time of this request concerning the accounts that they are reporting in my credit report. As i understand, federal reporting laws, particularly the metro 2 data formatted reporting regulations enacted as a result of the CRSA, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine, and proven of my responsibility. it is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibilities or the mandates nor the liabilities should that entity become deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have only current true accurate and physically metro 2 compliant information reporting, i do not authorize you to retain any other accusations of a adverse or derogatory nature, true or not. retain or return to requisite metro 2 compliance by your immediate and willful annulment of any and all of the above unproven to be compliant info. already or not already rectified by the other major credit bureaus as mandated by law.thanks. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-24 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: TX

Complaint narrative:
The credit bureaus failed to provide me with a proper investigation as well as provide me physical proof that the accounts I disputed was my account, I wrote to the three bureaus XXXX, experian, & XXXX on 3 different occasions XX/XX/18, XX/XX/18, & XX/XX/18 requesting they Please send me copies of the documents that you have in their files as of this date that they used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all of the documents that they have recorded and retained in my file at the time of this request concerning the accounts that they are reporting in my credit report. As i understand, federal reporting laws, particularly the metro 2 data formatted reporting regulations enacted as a result of the CRSA, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine, and proven of my responsibility. it is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibilities or the mandates nor the liabilities should that entity become deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have only current true accurate and physically metro 2 compliant information reporting, i do not authorize you to retain any other accusations of a adverse or derogatory nature, true or not. retain or return to requisite metro 2 compliance by your immediate and willful annulment of any and all of the above unproven to be compliant info. already or not already rectified by the other major credit bureaus as mandated by law.thanks. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2018-08-24 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: GA

Complaint narrative:
I need help regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

XXXX XXXX & XXXX   ( Experian : XXXX ) XXXX ( Experian:XXXX ) XXXX XXXX XXXX ( Experian:XXXX ) XXXX XXXX ( Experian : XXXX ) XXXX XXXX XXXX ( Experian:XXXX ) XXXX XXXX ( Experian : XXXX ) XXXX &  XXXX ( Experian ) 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 XXXX ( XXXX : XXXX XXXX  : XXXX  ) XXXX XXXX XXXX ( XXXX XXXX : XXXX ) XXXX XXXX & ( XXXX : XXXX ) XXXX XXXX ( XXXX : XXXX- : xX ) 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 non-monetary relief
Consumer complaint received 2018-08-24 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:
I HAVE CONTACTED EQUIFAX AND ASK THAT YOU REMOVE NEGATIVE ACCOUNTS THAT ARE A RESULT OF IDENTITY THEFT. YOU CLAIM TO HAVE VERIFIED THE ACCOUNTS HOWEVER HOW HAVE YOU VERIFIED THEM AND THE COMPANY CANT EVEN VERIFY THESE ACCOUNTS WITH ME. THESE ACCOUNTS ARE MEDICAL AND I HAVE NOT SIGNED ANY DOCUMENTATION AUTHORIZING MY MEDICAL RECORDS TO BE RELEASED THEREFORE THE COMPANIES WOULD BE IN COMPLETE VIOLATION OF HIPPA AND SO WOULD YOU. I HAVE NEVER HAD ANY OBLIGATIONS TO PAY ANY COMPANY THAT YOU ARE CONTINUING TO REPORT ON MY CREDIT FILE. I will be forced to pursue legal action if these accounts are not removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: FL

Complaint narrative:
After 13 years of card membership and no significant issues, and without warning, Discover Card chose to close my account on XX/XX/2018, exactly 1 month after increasing my credit line by 40 % ( from {$1500.00} to {$2100.00} ) on XX/XX/2018 -- following a review where they stated : 1. " Congratulations! Due to your overall excellent credit management, we've increased your credit line to {$2100.00}, of which {$1200.00} is available as cash. Your new credit line is now active to give you more purchasing power and flexibility when you need it. '' 2. Why did I receive a credit line increase? " To recognize the responsible credit management you have demonstrated over the years, we have increased your credit line. '' 3. Did Discover pull my credit report to make this decision? " Discover receives a copy of your credit report each month for maintenance using soft inquiries, meaning there is no impact to your credit. This information was used in making the decision to increase your credit line. '' Nothing changed on my credit profile or report, the account was in good standing, paid on time with had no recent late payments, and had a balance of {$0.00}. My credit score remains " good. '' Either their processes and procedures are inconsistent, undefined, or they are completely incompetent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have overdraft protection set up via a link from my checking account to my credit card. Bank of America charged me {$35.00} on XX/XX/2018 and {$35.00} on XX/XX/XXXX. I was told that my card wouldn't work if there wasn't money on my credit card to cover any transactions when I agreed to set the link up. I am disputing the {$70.00} worth of overdraft 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 2018-08-24 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: ORG GC GP BUYER, LLC
State: FL

Complaint narrative:
My Name is XXXX XXXX. I am the holder of 5 Student Loan accts. the total payoff is approx. 41K, however the amounts that the loans total seems to be XXXX. This is due to late fees and penalties. ( Which is understood ) GC Services is the debt collector I am dealing with and am told they are in contract with the US Government to provide collection services and/or solutions for the borrower.

I initiated a phone call to determine what needed to be completed to consolidate all loans into 1, further asked if there was a program that I could enter to establish a path fwd, Discussion initiated ( XX/XX/2018 ) with GC services. I was informed " pending confirmation '' of my verbally stated Salary my payment would be $ XXXX/month for 9 months at which time I would have completed my REHAB requirements and have the ability to consolidate or XXX. 
In a follow up phone call ~2 weeks later I was informed that the offer presented on the last phone cal was not available anymore and I should start again. 
This XXXX XXXX XXXX practice of bait and switch has continually existed for the duration of my payments ( which I have made since XXXX or XXXX. 

Additionally I made a complaint with the department of education in XXXX concerning these practices and GC Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 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:
On XXXX I only have one of the two XXXX entry because from some miracle I disputed them both 6 weeks ago and they took one off and not the other. I talked to XXXX and they said they sent an electronic message to XXXX  stating the XXXX delinquency as XX/XX/XXXX. They said they sent this on XX/XX/XXXX. I sent a dispute attaching proof that the date of delinquency is XX/XX/XXXX therefore it should be off my credit report. Since then XXXX  reported back to me they did there investigation even after I sent proof to them with what I attached from XXXX, they still have not fixed it and state that the date of delinquency is XX/XX/XXXX. I asked XXXX  even having proof of the date of delinquency from XXXX you have not removed it from my credit report and they said XXXX says it is right XX/XX/XXXX date. I asked what is the point of sending proof they said to me even if your correct and you have proof from the creditor and the creditor still reports wrong we will always do what the creditor says. I said so proof doesn't matter right and he said in your case it does not matter. 

On Equifax I have two XXXX entry I talked to XXXX and they said they sent an electronic message to Equifax stating the XXXX delinquency as XX/XX/XXXX on both accounts. They said they sent this on XX/XX/XXXX. I sent a dispute attaching proof that the date of delinquency is XX/XX/XXXX therefore it should be off my credit report. Since then Equifax reported back to me they did there investigation even after I sent proof to them with what I attached from XXXX, they still have not fixed it and state that the date of delinquency is XX/XX/XXXX. I asked Equifax even having proof of the date of delinquency from XXXX you have not removed it from my credit report and they said XXXX says it is right XX/XX/XXXX date. I asked what is the point of sending proof they said to me even if your correct and you have proof from the creditor and the creditor still reports wrong we will always do what the creditor says. I said so proof doesn't matter right and he said in your case it does not matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 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: QuickClick Loans of Illinois, LLC
State: GA

Complaint narrative:
I contracted XXXX, XXXX, and XXXX on XX/XX/2018 and XX/XX/2018 requesting personal information be updated and provide documents in support of my request. 
I.M FILING A COMPLAINT BETWEEN XXXX XXXX XXXX XXXX, AND XXXX XXXX  AND XXXX. I HAVE REACHED OUT TO XXXX, XXXX  AND XXXX  TO TRY AND HAVE MY PERSONAL INFORMATION UPDATED SUCH AS MISSPELLING OF MY NAME, OLD ADDRESSES, INACCURATE PHONE NUMBERS, ACCOUNTS THAT SHOULD NOT BE SHOWING AS OPENED ON MY ACCOUNT AND I HAVE ALSO ADVISED THEM OF HARD INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT REPORT THAT I DID NOT AUTHORIZED. ALTHOUGH XXXX  DID WORK A LITTLE WITH ME, THESE ITEMS ARE STILL APPEARING ON MY CREDIT REPORT. THIS IS GETTING RIDICULOUS. MY DISIRE IS TO HAVE THE OUTDATED AND FALSE INFORMATION DELETED FROM MY REPORT. 

I file a dispute with XXXX and XXXX if reference to XXXX XXXX XXXX about a {$3300.00} on my account. I also sent XXXX XXXX XXXX a register letter disputing this posting and asking for verification of debt. Enclose is the information that they forward to me from another company. They provided no documents showing I have any debt with then, also XXXX XXXX XXXX failed to notify the XXXX or XXXX of the dispute. XXXX is reporting inaccurate information in reference to XXXX XXXX, they are reporting the date of the last activity instead of the date of first delinquency. Im requesting these items be deleted from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-24 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
I contracted XXXX, XXXX, and XXXX on XX/XX/2018 and XX/XX/2018 requesting personal information be updated and provide documents in support of my request. 
I.M FILING A COMPLAINT BETWEEN XXXX XXXX XXXX XXXX, AND XXXX  XXXX AND XXXX. I HAVE REACHED OUT TO XXXX, XXXX AND XXXX TO TRY AND HAVE MY PERSONAL INFORMATION UPDATED SUCH AS MISSPELLING OF MY NAME, OLD ADDRESSES, INACCURATE PHONE NUMBERS, ACCOUNTS THAT SHOULD NOT BE SHOWING AS OPENED ON MY ACCOUNT AND I HAVE ALSO ADVISED THEM OF HARD INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT REPORT THAT I DID NOT AUTHORIZED. ALTHOUGH XXXX DID WORK A LITTLE WITH ME, THESE ITEMS ARE STILL APPEARING ON MY CREDIT REPORT. THIS IS GETTING RIDICULOUS. MY DISIRE IS TO HAVE THE OUTDATED AND FALSE INFORMATION DELETED FROM MY REPORT. 

I file a dispute with XXXX and XXXX  if reference to XXXX XXXX XXXX about a {$3300.00} on my account. I also sent XXXX XXXX XXXX a register letter disputing this posting and asking for verification of debt. Enclose is the information that they forward to me from another company. They provided no documents showing I have any debt with then, also XXXX XXXX XXXX failed to notify the XXXX  or XXXX of the dispute. XXXX is reporting inaccurate information in reference to XXXX XXXX, they are reporting the date of the last activity instead of the date of first delinquency. Im requesting these items be deleted from my 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 2018-08-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: CA

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT. I filed a previous complaint requesting the history of interest rates on my adjustable rate mortgage and a copy of the Note. The Company " Selene Finance '' then provided interest rate history information to you, but had never provided it to me after several attempts to obtain that information via phone request and faxed and mailed letters. Nor have they provided a copy of my Note. Well luckily, I now have the Note and HUD rider for my mortgage, I found my original copy in my records. 

So here 's the problem. According to XXXX at the CFPB the Company " Selene Finance " provided the following information about interest rate history. 
XXXX XXXX interest rate is 3.5 % XXXX XXXX interst rate is 2.5 % XXXX XXXX interest rate 3.625 % My NOTE ( see attached documentation ) says that the interest rate can NEVER increase or decrease more than 1 ( ONE ) percentage point per change period. Which was actually in XX/XX/XXXX, not XX/XX/XXXX. 

So for example XX/XX/XXXX is 2.5 % and XX/XX/XXXX is 3.625 % 3.625 % - 2.5 % =1.125 % So the current interest rate is 1.125 % higher than allowed per my NOTE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 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: GA

Complaint narrative:
I need help regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

XXXX XXXX XXXX XXXX ( XXXX : XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX  : XXXX ) XXXX XXXX BANK ( XXXX ) XXXX XXXX ( XXXX  : XXXX ) XXXX XXXX XXXX ( XXXX  ) XXXX XXXX ( XXXX  : XXXX TransUnion : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX ) XXXX XXXX ( XXXX : XXXX TransUnion : XXXX ) XXXX XXXX  XXXX ( XXXX : XXXX TransUnion:XXXX  ) XXXX XXXX XXXX ( XXXX : XXXX TransUnion XXXX XXXX ) XXXX XXXX  XXXX ( XXXX : XXXX TransUnion : XXXX ) XXXX XXXX XXXX ( XXXX TransUnion : XXXX ) XXXX XXXX XXXX ( XXXX  : XXXX ) XXXX XXXX ( XXXX  : XXXX : XXXX ) XXXX XXXX ( XXXX  : XXXX ) XXXX ( TransUnion : < ) XXXX XXXX ( TransUnion : 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 non-monetary relief