vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-13 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: LA

Complaint narrative:
Dear CFPB, I'm writing for you for URGENT assistance to correct some information on my credit file which is hindering me from gaining employment, getting financed for housing, and life necessities. 

PLEASE VERIFY THEY HAVE MY CORRECT CONTACT/ADDRESS INFORMATION. 

Experian is reporting unknown inquiry information from dates XX/XX/2018 - XX/XX/2018 that I didn't legally authorize. They're illegally allowing companies to run my credit without approval. 

This information is negatively affecting my credit score, and I would like it removed ASAP.

Please assist me in getting these items removed from my report so I can no longer be prohibited by the negative information which is impacting my livelihood.

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 2018-09-13 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:
I have disputed an inaccurate account that is not mine from XXXX XXXX over six ( 6 ) different times for {$410.00}. Each times comes back as verified but its impossible because I hav enever used any service that XXXX XXXX is collecting for.

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 2018-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: LA

Complaint narrative:
I finally got InTouch with them and paid them in full. Now they refused to give me a letter or remove the debt off my credit report. Even send me a letter stating that I have paid the balance. They are unwilling to remove the item from my report. They are not in agreeance to delete it from my report. It's been over 40 days that it has been paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
I have contacted Southwest Credit Systems L.P. in regards to an account listed on my credit reports that I do not recognize. They are reporting to the major credit bureaus on behalf of XXXX. I have asked Southwest Credit Systems L.P. TWICE to verify the validity and accuracy of this alleged account and they have not sent me any proof of a contract or anything with my signature taking claim of this debt that amounts to {$640.00}. 
I have never had an account with XXXX. I have sent them Certified dispute letters stating that if they can not verify this account, they need to remove the account from my credit reports.They have responded with a letter and an account statement saying that they have done an investigation on the account but they still have nothing binding me to a contract. No proof has been made available to me. So therefore the debt needs to be removed from my credit report ASAP and collection efforts need to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synter Resource Group, LLC.
State: CA

Complaint narrative:
Received collection notice from Synter Resource Group , LLC . claiming I owe debt to XXXX for {$28.00}. I do not owe this debt. 

Synter 's file number : XXXX Date of letter : XX/XX/18

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have accounts showing charged off on my credit report. I have contacted these companies directly and disputed with all three credit bureaus. The companies send me a copy of an itemized bill, and state the the account was opened online. The credit bureaus send what appear to be a generic form letter stating that they have investigated the account and will not re investigate it. I have requested that they provide me with copies of any documentation associated with this account, bearing my signature. I have also advised them that as per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 
I feel that I have done all I can do and have not been able to get any results.

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 2018-09-13 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: LA

Complaint narrative:
Dear CFPB, I'm writing for you for URGENT assistance to correct some information on my credit file which is hindering me from gaining employment, getting financed for housing, and life necessities. 

PLEASE VERIFY THEY HAVE MY CORRECT CONTACT/ADDRESS INFORMATION. 

Equifax is reporting unknown inquiry information from dates XX/XX/2018 - XX/XX/2018 that I didn't legally authorize. They're illegally allowing companies to run my credit without approval. 

This information is negatively affecting my credit score, and I would like it removed ASAP. 

Please assist me in getting these items removed from my report so I can no longer be prohibited by the negative information which is impacting my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 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:
I have disputed an inaccurate account that is not mine from XXXX XXXX over six ( 6 ) different times for {$410.00}. Each times comes back as verified but its impossible because I hav enever used any service that XXXX XXXX is collecting for.

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 2018-09-13 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: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I have disputed an inaccurate account that is not mine from XXXX XXXX over six ( 6 ) different times for {$410.00}. Each times comes back as verified but its impossible because I hav enever used any service that XXXX XXXX is collecting for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 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: MI

Complaint narrative:
I have disputed an inaccurate debt that is not mine on 4 different occassions with XXXX for $ XXXX.I have neverdonr any business with the company that XXXX is representing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP
State: CA

Complaint narrative:
At XXXX CA time on XX/XX/2018 I got a call from a US Bank rep asking me if I had submitted a credit card application with address=XXXX XXXX XXXX , XXXX XXXX , CA XXXX. I told her no and that I had not lived at that address for over 35 years! She also said the phone number listed on the application was a different phone number than the one she was calling me at. She then said the credit card application was denied and a fraud investigation would begin. It didn't! At XXXX on XX/XX/2018 I called US Bank fraud dept at XXXX and the rep took my correct mailing address, phone number and email address and said an investigator would call me. No one did! 
To my surprise and horror, I received an alert on XX/XX/2018 from XXXX XXXX XXXX credit monitoring stating that a credit card application was approved by US bank and that {$250.00} had been charged on that account which was being " investigated. '' HOW COULD THAT HAVE HAPPENED? 
Doesn't the bank have to verify the credit card applicant 's correct mailing address and phone number before approving the card application? Both address and phone on the application were wrong, yet it was approved! 
Doesn't the bank issuing the card need some other form of ID like a CA Driver 's license number and expiration date? A bank or credit card held by the applicant? 
-- >NONE OF THE ABOVE WERE PROVIDED. 
Also, three Fraud US Bank reps I spoke to promised to relay the information I provided to XXXX the investigator, but she told me today on the phone that no one had provided her any information on this case. Finally, when you call the number to report fraud on US Bank website [ https : //www.usbank.com/XXXX  ] which is XXXX, and after a long hold, a rep has to transfer you to another number/department and you are then put on hold for over 1 hour! They not only don't list the correct number but they are so short of legitimate Fraud reps that the victim can't get through on the phone! US Bank should be penalized for the above negligence and irresponsible conduct!

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 2018-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
Us bank My police insurance at home cover it is for XXXX and usbank force me increase my cover insurance for amount due at home loans XXXX Because my home market value increase They added to my monthly payment they own insurance from my regular payment XXXX they increase toXXXX

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 2018-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC.
State: WI

Complaint narrative:
Today I received 6 phone calls throughout the day from various phone numbers all with a XXXX area code. I looked them up on XXXX and theyre all XXXX or XXXX voice numbers. I called 2 of the numbers back and they were both debt collectors from Halstead. They were very aggressive about trying to identifying me and denied calling me 6 times. The man on the first call hung up on me when I told him calling me more than 3 times per day is an fdcpa violation. On the second phone call I asked them to stop calling me and I did not identify myself on either call. The woman on the second call told me they keep calling me because I never answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I never attended one class at this school. They withdrew me from the school navient is stating that I owe them a balance. I have never attended this school and have stated this to navient. The school explained that if any funds were sent to them they were returned to sallie mae of which is not navient. This is harming my credit and very crooked. I have not attended the school therefore no services in regards to education was received. Please remove this from my credit reporting navient is acting in an illegal manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Glacier Bancorp Inc.
State: MT

Complaint narrative:
XXXX I went to the bank in question ( XXXX XXXX XXXX ) and noticed that my bank account funds which were in my account {$13.00} which I had in my account went to ( XXXX ) which I consider to be theft. I want criminal charges filed against the above bank because I did not take any money out of my account. I want the criminal bank charged with the criminal acts that they committed. I had social security funds in my account and some money I had earned {$29.00}. I consider this to be criminal!!

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 2018-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I tried to pay off my BANKAMERICARD secured credit card with my prepaid XXXX XXXX account but for some reason my payment got returned. As a result Bank of America blocked or put a hold on my account so that they could charge me a late fee for not paying off my balance before its due date. Every time I try to make a payment using their mobile app I get a message saying : Your request cant be processed due to account status. Please contact us for assistance at XXXX. And every time I call them their Bank of America representatives try to make me pay more than whats due.

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 2018-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I applied for a Capital One credit card, I recieved a phone call a few days later to verify my identity. After passing the identity test or whatever I was told that I would be mailed out a card. 

Now I am being told that I need to verify my identity again before the card will be sent out. I tried using the website to upload the documents, but the website is not working. It keeps giving me an error message ( picture attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Kohls {$25.00} balance In all the years I've been a customer and never had a late payment, i had a {$25.00} balance that slipped my mind. I wasnt notified with a statement balance that I normally always got in the mail. Instead they reported me to the credit bureau and refused to remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: TX

Complaint narrative:
I have been disputing the alleged debt with Dynamic Recovery Solutions since XX/XX/XXXX. I have asked on three separate occasions ( XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX ) for them to validate the debt and they respond by sending me a bill. Not once have they provided me with validation, yet they continue to send me settlement offers and call demanding payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-13 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:
You are reporting an inaccurate fraudulent account on my credit file that needs to be removed. I have warned you over and over again that the account does not belong to me and it is a result of identity theft yet you still continue to report this account onto the file you hold under my social. Attached is a letter stating that it should be removed from the company and them stating that they have requested you to do so. 

Please remove XXXX in the amount of {$260.00} from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: WA

Complaint narrative:
I requested verification of the debt, and was not given it within 30 days. This debt is not mine, and I do not owe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint narrative:
This man called Mr XXXX XXXX ( check said XXXX XXXX - XXXX ) from a California number XXXX XXXX XXXX One main financial That is who he claims to be and claims to help people with no and low credit get loans he promised me a {$6.00}, XXXX loan but because my account is in the negative he had to bring it to the positive in order to give me the {$6.00}, XXXX so he deposited ( yes he required my login and password to my account to do this or threatened that I wouldn't get a loan ) and then he deposited a {$980.00} check literally logged into my account and deposited this check from a closed account causing me financial hardship literally I owe the bank so much money now because of this. I have so much evidence I have every text message phone call I even recorded a few conversations as well as the pictures of the checks I would just like for you guys to catch this guy who is a horrible man scamming people who are already broke already in turmoil who can not get help and can not afford mistakes and scams like this. Please can me an email or something a caseworker I will send you everything. XXXX refuses to give me an account now they literally closed my account because this man tried to cash a closed account check.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 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: TOYOTA MOTOR CREDIT CORPORATION
State: SD

Complaint narrative:
We started our lease with Toyota Financial Services in XX/XX/XXXX on a XX/XX/XXXX XXXX XXXX. Initially, their promotion was that Toyota will make our first payment, so when the payment invoice for XX/XX/XXXX showed up, we contacted Toyota to make sure they would make the first payment. Toyota claimed that they already made the first payment when we took delivery of the vehicle in late XX/XX/XXXX, but no record exists of them making any payment. Our recent credit report shows our payments over 30 days old, which is not true. We printed off the entire payment history and none of our payments have been over 30 days late. We discussed that with Toyota Financial Services XXXX they have documented comments XXXX and they reversed a {$34.00} Late Fee and agreed to update our payment history to show NO delinquent ( over 30 days XXXX payments. That has not happened yet. Our normal payment date is the XX/XX/XXXX and payments started XX/XX/XXXX ( assuming Toyota made the first payment in XX/XX/XXXX ). We want our payment history to be clear with no late payments over 30 days with Toyota as they promised during our phone conversation XX/XX/XXXX. Can you help us correct this with Toyota? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX {$25.00} balance In all the years I've been a customer and never had a late payment, i had a {$25.00} balance that slipped my mind. I wasnt notified with a statement balance that I normally always got in the mail. Instead they reported me to the credit bureau and refused to remove it.

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 2018-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
Please be advised that due to several financial off-set situations, I am facing to possibility of filing a Chapter XXXX bankruptcy petition. I purchased a home that I still own in the state of XXXX, but due to a serious family matter I had no choice but to move to the XXXX of XXXX. I have full intentions of moving back into my XXXX   home, but I can not do that until I resolve several financial obligations. Accordingly, I am requesting a forbearance on my mortgage for a period of six months. I am also requesting my interest rate to be reduced to a standard 2.5 % after modification. The forbearance will cease all payments while I prove my current hardship, and my game plan to work my way out of it. You will be faxed a full power of attorney from my law firm within the next few weeks, and this firm will handle all aspects on my financial restructuring. Therefore, I request a fair process under the modified Fair Debt Collection Practices Act of XX/XX/2014 to be applied to my rights. Under the provisions of this federal law, all threats of foreclosure must cease immediately, all threatening phone calls must cease, and an open dialogue must be opened while I fulfill this financial workout arrangement.

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