vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-28 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: CA

Complaint narrative:
I have disputed  XXXX   XXXX  a number of times with   XXXX   Transunion  XXXX . None of them have done a full investigation. I have requested a FULL F ULL FULL investigation. I demand that a FULL investigation be done as to every aspect of this account. All original signed documents a FULL investigation I demand that the results be made available to me within Five days. This needs to be expedited, all   XXXX   CRA are in violation of the law. Please forward this to FTR and all governing agencies. I have made this compliant to the CFPB previously. I plan on taking legal action my civil rights are being violated in addition to at this pointe being a willful act to c ause me harm.

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 2017-05-28 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: CA

Complaint narrative:
I have disputed XXXX XXXX a number of times with XXXX XXXX Experian. None of them have done a full investigation. I have requested a FULL FULL FULL investigation. I demand that a FULL investigation be done as to every aspect of this account. All original signed documents a FULL investigation I demand that the results be made available to me within Five days. This needs to be expedited, all XXXX CRA are in violation of the law. Please forward this to FTR and all governing agencies. I have made this compliant to the CFPB previously. I plan on taking legal action my civil rights are being violated in addition to at this pointe being a willful act to cause me harm.

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 2017-05-28 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: CA

Complaint narrative:
I have filed numerous complaints against Transunion. They keep lying and saying they are verifying account information on my report without telling me who they verified with. I sent them proof that my student loan was not late in  XXXX     2017  as it was in forbearance. They updated my payment status, and I sent them another letter to verify the other  XXXX  payments that they have listed late. Instead of them actually verifying, they just updated my payments again to show late in  XXXX . AGAIN I am attaching documents directly from  XXXX  that shows my account was in forbearance! Transunion needs to be held accountable for lying and telling consumers they have verified information, when in fact they have NOT!

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 2017-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Today,  XXXX / XXXX / 17 , I tried to get credit card from  Home Depot, w hi  ch would let me get 10 % on my today 's shopping. My request has been rejected due to low credit score.
My question is : why my credit score is low? I expected it to be a  round  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 2017-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY

Complaint narrative:
I saw negative credit on my credit report by Overton, Russel and Donovan debt collection for 6 year old bill. Never received any letter or call from them just directly reported on my credit report. I was not made aware that I could dispute. Being ignorant I paid my 2 weeks paycheck to them. Within 5 weeks they send me another bill from same company regarding my son, same 6 years old. This hospital they send me bills have been taken over by another hospital 2/3 years back. Also my son always had child health plus insurance. I think they saw that I paid one bill so they are purposely sending me more unnecessary bills to collect money. Someone should really investigate in all their collections and revenues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Emerald AR Systems, LLC
State: PA

Complaint narrative:
I contacted emerald Ar Systems inc around  XXXX  regarding the balance of  XXXX . I asked them to negotiate this amount based on a affordable settlement offer. This collection agency failed to renotify me of this debt and also failed to come up with a settlement offer based on the fact i do have a pre existing condition that needs further treatment for the rest of my life based on a accident i had back in the year of  XXXX . No one contacted me by mail or by phone regarding this account. I did my part by contacting them and trying to negotiate this matter so it was affordable and paid in full.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 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:
While reviewing my credit report I saw a credit inquiry from  XXXX  wireless on  XXXX / XXXX /  XXXX   that was NOT authorized by myself. I made contact in writing and by phone to  XXXX  explaining to them to investigate and delete from my credit report. They sent a letter back stating that they have no way of deleting and for me to make contact to the bureau and they will go about disputing. I made contact to TransUnion attaching the letter that was sent to me by  XXXX  stating to investigate the inquiry and delete because this was not authorized by me. I received a letter back from TransUnion basically explaining what a inquiry was with no explaination of what I sent to them. They did n't even acknowledge the inquiry at hand. And also telling me to contact  XXXX . I 'm being told by both parties to contact  one  or the another and no one is willing to take resposibility. This is unlawful and is against my fair credit reporting act. Letters attach.

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 2017-05-28 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: NV

Complaint narrative:
There was a computer glitch that caused my inquiries to be removed this was Transunion 's problem not mine transunion later re-added these inquiries without properly notifying me in writing within 5 days of them re-adding the inquiries I then contacted transunion in good faith and asked them to remove these inquiries that they illega lly re ad ded on several occasions to no prevail the last time I called on Friday  XXXX   XXXX   2017  the number I dialed was  XXXX  I spoke with a representative that then transferred me to a supervisor named  XXXX  he had a very thick accent I tried my best to understand him but I could n't I asked to be transferred to a United States representative because I could n't really understand him he told me no he would not transfer me I 'm just really frustrated with the treatment and time they are taking away from my day because of this. It has caused a very untimely hardship for my family I was going through the home buying process and my agent told me that this drop in my score because of the injuries can result in a denial from my home loan I 'm so frustrated that transunion feels it 's okay to violate my rights in this manner!!! Please help me cfpb please make transunion stop victimizing me.

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 2017-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: SC

Complaint narrative:
I was trying to send money online through moneygram and for some reason they blocked my account so i called their customer service number and somebody answered me in a foreign country he told me i ca n't use the service online anymore i have to go to a moneygram location i asked him to explain to me why he was rude and then he got me upset we got in argument he start calling me names and he wants to XXXX my wife and my mother and sister and that i ca n't speak English and he wants to get me deported because i dont have an American accent so he assumed that i am not a citizen of this country i am very tired and angry of these company using unprofessional people to Handel their business i will never use moneygram anymore and i feel nobody else should have to experience what I went through with this person what a Mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On or aroun d   XXXX   XXXX   ,201  7,  I contacted the Customer Service Department for Citi Simplicity Card at   XXXX   to resolve an issue pertaining to a balance that was exceedingly high and a minimum amount due that was unusual and different from the minimum amount I had been paying for the past 3 years I have been a customer. According to the website, the minimum amount due was {$8700.00} and it stated that it was past due when I already made a payment prior to the  XX/XX/XXXX   wh ich is the usual due date for such account.I was given the runaround and was hung up on several times. I informed them that I would file a consumer report on them and only after I told them so did they inform me that I had to make the payment of {$170.00} to satisfy the minimum amount due for   XX/XX/XXXX  and  XX/XX/XXXX  ;  they also informed me that they would notate my account as current and not past due. However, since  XX/XX/XXXX  , the y have been calling me from  XXXX  to inform me about my past due account for the month of  XX/XX/XXXX   wh en I was told that the {$170.00} payment I made on  XX/XX/XXXX  would cover  XX/XX/XXXX  and  XX/XX/XXXX . Every day since  XX/XX/XXXX , they would keep harassing me at all hours of the day about my account that they kept saying was past due when it was agreed upon that it was current. I called them on  XX/XX/XXXX  and the Customer Service Department gave me the runaround and told me again that it was past due for  XX/XX/XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 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: NV

Complaint narrative:
repayment plan options were not presented properly. I switched and was told that I could not get credit towards the years I was paying for the 25 or 20 year repayment plan with caps. I 'm  XXXX . I have paying a very long time. In the last 10 years I was directed to switch Income repayment plans and also not get credit for the payoff caps on the previous plan. Lately I received another notice that I have to file an update. after login to do so Im told I have to reapply for the repayment plan, not on the good one any more. To reapply Navient sent me to the us loan website where my mailing address was two houses ago. Says I am a week late filing the repayment option for income. So I have lost all of the time my payment plan was ticking away at the 20 or 25 year cap. Still confused about what I was on before and why this is not easier. I am still confused as to how to fill out paperwork because it asks me to pick another plan, without telling me what I was on last time, even though all the other fields are pre-filled. I have already been verbally told that if I switch I will lose credit towards the 20 year program I figured out I needed to be on last time. Last time it took me many many many many tries to get on the plan was on and had to get special permission to process last time. I have never been late. I still need to call them back and sort this out after the holiday weekend. Spent hours on this task and it is not solved. I have a   XXXX   XXXX   in   XXXX   XXXX  in  XXXX   and all of my   XXXX   XXXX   XXXX  . I have the unfortunate position of being the mother of a  XXXX  child and     XXXX  b y a red light runner so I have all the time in the world to call with my blue tooth headset and my phone plugged min, wait for hours. Others work and I 'm sure would not be able to find the time to finish the annual re certification or go to this website to research it online and find the time to type in all the answers above without going crazy after being on hold, customer service loops with other companies all day trying to take care of simple details. Go to a website ... nope go to a website on a computer..nope not a tablet ... not that browser ... this browser. dropped call sorry wrong department. let me give you that number. go to this website ... we are closed. call back during a different time zone that what is humanly possible. maam I 'm going to send you to our escalations department. please retell me the story dropped call

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 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: TX

Complaint narrative:
I contacted equifax on  XXXX   XXXX  ,2017 in  regards to credit inquiries that I did not authorize and did not recognize. I spoke with a representative and explained to her that I contacted equifax a week before because I was having a difficult time accessing my reports, I was informed that someone by the name of  XXXX   XXXX  was attached under my report and social security number. The representative at that time requested for me to send in documents to verify my identity my social security and a copy of my drivers license which I did as requested and they confirmed that they received them. I asked the representative if she could look in to the credit inquiries because at this point I was worried about identity theft, and equifax refused to investigate in to this problem and informed me that they could n't because this was an actual fact of statement, and me as the consumer would have to do the leg work and contact these creditors that pulled my reports. I even spoke with a shift supervisor and asked him if under federal law under the FCRA do n't they have to investigate if the consumer request and he said even still that I would have to get in contact the creditors my self and the only thing he could do is add a fraud alert to my credit report. Which I did. I fell like they should abide by the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover has taken over servicing my student loan from Discover. They have redesigned the website, replacing key loan in formation such as interest rates and functionality to allocate additional payment amounts to principal, with all links leading to a graphs that showing payment history.  <P/> Now, the only option for allocating extra payment amounts to principal is by sending a written check via physical mail. Additionally, interest rate information is only shown on pdf or mailed statements, which must be downloaded and compared separately. Previously, these functions were built-in and easily accessible to borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XXXX XXXX 2017, I contacted PayPal Credit to dispute an unauthorized inquiry on my credit report. On XXXX XXXX 2017 they replied and asked that I provide my birthdate, last four digits of my social security and the date of the inquiry so that they can find the account and request a deletion. On XXXX XXXX  2017, I replied and requested that they delete the inquiry if they did not have enough info to verify the account which proves that I did not apply for their credit services. On XXXX XXXX 2017, they sent me the same letter asking that I provide my social security number and date of birth. I would like this inquiry removed from my account because it was unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 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: Colony Brands, Inc.
State: GA

Complaint narrative:
I disputed through all three credit bureau stating i never had aacount with this company 's, they kept saying the account was verified. I sent a certified letter requesting validation of the debt with a copy of the application with my signature, I have not received anything. On  XXXX / XXXX / 17 , my credit monitoring sent an alert. from  XXXX .   XXXX   XXXX   had updated the account from Charge off account in high credit is original charge-off amount to charge off account, unsecured,  Amount  in high credit is original charge-off amount. They refuse to remove this account from my credit report knowingly I never had an account with them and they have no proof to valid the account either that has my signature.

Company response to consumer: Untimely response
Consumer complaint received 2017-05-28 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: GA

Complaint narrative:
I disputed through all  XXXX  credit bureau stating i never had aacount with this company 's, they kept saying the account was verified. I sent a certified letter requesting validation of the debt with a copy of the application with my signature, I have not received anything. On   X/XX/17 , m y credit monitoring sent an alert. from equifax.   XXXX   XXXX   had updated the account from Charge off account in high credit is original charge-off amount to charge off account, unsecured,  Amount  in high credit is original charge-off amount. They refuse to remove this account from my credit report knowingly I never had an account with them and they have no proof to valid the account either that has my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-28 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 disputed through all  XXXX  credit bureau stating i never had aacount with this company 's, they kept saying the account was verified. I sent a certified letter requesting validation of the debt with a copy of the application with my signature, I have not received anything. On  XXXX / XXXX / 17 , my credit monitoring sent an alert. from  XXXX .   XXXX   XXXX  t had updated the account from Charge off account in high credit is original charge-off amount to charge off account, unsecured, Amount in high credit is original charge-off amount. They refuse to remove this account from my credit report knowingly I never had an account with them and they have no proof to valid the account either that has my signature.

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