vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-02 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: ID Analytics, Inc.
State: HI

Complaint narrative:
On XXXX XXXX, 2017 I began the purchase of a used car from XXXX XXXX XXXX in XXXX Hawaii. The purchase price was {$42000.00}. I planned to make a {$25000.00} payment leaving {$17000.00} to be financed. 
XXXX XXXX contacted XXXX XXXX among others to arrange the financing. We ultimately financed through XXXX XXXX. 
Subsequent to the purchase I received a letter ( copy attached ) from XXXX stating that they declined to finance the balance owed. They stated as a reason that a company called SageStream only gave me a FICO score of XXXX. That number is not valid. My current FICO score at XXXX is XXXX ( see attached copy of my score ). 
I do n't know who SageStream is or for that matter why anyone would try to use their service. You can only contact them by mail and they want hard copy documentation of Social Security Number, date of birth, driver 's license, address, etc. Given the way personal information is handled today, there is no way I intend to send that kind of sensitive information to some unknown entity. 
I do not believe that SageStream is providing accurate information to potential lenders and that they need to be put on notice that damaging someone 's credit or misrepresenting their credit score can have serious consequences. 
Since I was able to complete my transaction without any adverse consequences I will not be contacting my attorney. However, if this company ever again misrepresents my credit profile, I will seek legal redress. 
I think CFPB to be aware of this company. They need to be looked into.

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 2017-11-02 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: Nelnet, Inc.
State: FL

Complaint narrative:
XXXX XXXX, XXXX, Nelnet and XXXX reporting loan payments 60-120 days late when I provide to the credit bureau proof I was in school XXXX and completed the documents to correct with each servicer. I have even filed a complaint with the omb office and no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 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: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I obtained a 1st mortgage ( via XXXX XXXX and a 2nd mortgage ( via Harris ) to purchase my property in XXXX. The second mortgage was a HELOC with a balloon payment at the XXXX year ( XXXX ). In XXXX, the loan matured and the remaining balance of roughly XXXX became due. Having never missed a payment and having always paid more than the payment amount, I applied to refinance the remaining balance. Since XXXX was reporting inaccurately to the credit agencies from XXXX until XXXX, my refinance of the remaining balance with Harris was denied. I still made monthly payments on the Harris account however, in XXXX the remaining balance was charged off as a bad debt. My credit accounts should reflect, " charged off, paying as agreed, '' but does frequently does not. Harris has been contacted regarding this issue at least twice, once in XXXX of XXXX and once in XXXX of XXXX. 
In a letter dated XXXX in response to my letter to Harris regarding inaccurate reporting, Harris stated that they found that they were reporting inaccurately and would send corrected reports to the Consumer Reporting Agencies to reflect account reporting as charged off, paying under a partial payment agreement. 
In a letter dated XXXX in response to my letter to Harris regarding inaccurate reporting, Harris stated that they found that they were reporting inaccurately and would send corrected reports to the Consumer Reporting Agencies to reflect Account reporting as charged off, paying under a partial payment agreement with all credit marks removed after the charge off date in XXXX of XXXX. 
I applied for a mortgage loan in XXXX of this year. I am in receipt of a loan denial because Harris is still reporting an inaccurate charge off date and is not reporting that the loan was charged off and paying as agreed.
Please see attached letters from Harris, loan approval and loan denial

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 2017-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I called Transunion and XXXX to dispute fraudulent inquiries on my credit file made by a car dealership running my credit multiple times! They told me the company had 30 days to respond and they would be back with me. Its been longer than 30 days and I would like to get to the bottom of this issue.

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 2017-11-02 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: MD

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX has received an letter from myself stating the facts about the fraudulent acts committed by the bank on my account and on this day my signature has been rescinded from the original application, permitted by law, due to fraud. XXXX XXXX has refused to address the fraud with a denial or admission. Silence is acquiescence and the account is null and void. An un-rebutted affidavit was submitted on XXXX XXXX, XXXX revoking my signature from the account making it null and void. Again the bank has remain silent about addressing the fraud. By continuing to report this account with proof of the fraud by my un-rebutted affidavit ( my sworn testimony ), the reporting agency is in violation of the Fair Credit Reporting Act. Attached is my affidavit from 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 2017-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NJ

Complaint narrative:
The sales associates are not demonstrating knowledge towards Walmart practices, and are verbally expressing incorrect information. A representative on the phone stated that in order to receive electronic finances, Ex. Moneygram, alternative forms of identification includes passports, credit cards, etc. I had kindly expressed what is addressed via complaint at this time with the associates. However, they did not listen. In addition, another representative previously claimed that a particular practice was per their policy. However, the manager and another associate stated that she was incorrect. It is now to a point where the associates at their location are not knowledgeable towards subjects such as these. Consequently, a complaint is now filed. Their failure to comply had resulted to interference with my own schedule.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 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: MS

Complaint narrative:
I have several inquiries on my credit report that I did not authorize. on my XXXX and 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

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 2017-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I called XXXX and Equifax to dispute fraudulent inquiries on my credit file made by a car dealership running my credit multiple times! They told me the company had 30 days to respond and they would be back with me. Its been longer than 30 days and I would like to get to the bottom of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 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: NC

Complaint narrative:
My Identity information had previously been compromised and used to open several accounts and inquires without my permission. This one of them and is a fraudulent account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX auto loan XXXX opened- XXXX I 've currently submitted an identity theft report to The Federal Trade Commission as well as disputed this account with three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 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: FL

Complaint narrative:
XXXX XXXX, XXXX, XXXX and XXXX reporting loan payments XXXX days late when I provide to the credit bureau proof I was in school XXXX and completed the documents to correct with each servicer. I have even filed a complaint with the omb office and no 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 2017-11-02 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
XXXX XXXX, Navient, XXXX and XXXX reporting loan payments XXXX days late when I provide to the credit bureau proof I was in school XXXX and completed the documents to correct with each servicer. I have even filed a complaint with the omb office and no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 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: GREAT LAKES
State: FL

Complaint narrative:
XXXX XXXX, XXXX, XXXX and Greatlakes reporting loan payments 60-120 days late when I provide to the credit bureau proof I was in school XXXX and completed the documents to correct with each servicer. I have even filed a complaint with the omb office and no results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 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: MD

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX has received an letter from myself stating the facts about the fraudulent acts committed by the bank on my account and on this day my signature has been rescinded from the original application, permitted by law, due to fraud. XXXX XXXX has refused to address the fraud with a denial or admission. Silence is acquiescence and the account is null and void. An un-rebutted affidavit was submitted on XXXX XXXX, XXXX revoking my signature from the account making it null and void. Again the bank has remain silent about addressing the fraud. By continuing to report this account with proof of the fraud by my un-rebutted affidavit XXXX my sworn testimony ), the reporting agency is in violation of the Fair Credit Reporting Act. Attached is my affidavit from XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The complaint below was filed with the CFPB on or about XXXX XXXX, XXXX after I tried to get my Equifax report on line. My wife just attempted to get her Equifax report this evening and was met with the usual Online Delivery Unavailable. We are now into our fourth year of each one of us being denied our Equifax report online. 
-- -- -- -- -- -- -- -- -- -- -- -- - My wife and I religiously follow the recommendation to check your free credit report regularly. We both get our reports from each agency on a staggered basis so we get a report for one of us every two months. For the fourth year in a row now, neither one of us has been able to get our report on line from Equifax. Every time we go through the on line request procedure, at the end, we get a message that says, Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. You are then told that you need to fill out a form and send it, and two supporting ID documents to them by mail. It has become obvious that they do not want to give out the reports on line. We never have a problem with the other two agencies, so I have come to the above conclusion. When you try to phone in to complain, you are put through phone tree XXXX, to no avail. This is an abuse of consumer rights. In addition to the wasted time, more paper is consumed in printing and mailing the report. Additionally, our identity is put at risk by having the report, and our documents sent by regular, unsecured mail. Please take action to put a stop to this abuse. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 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: MI

Complaint narrative:
I have sent in letters to XXXX XXXX, and also XXXX XXXX I have also called I have also upload my photo Id and social security card to have proper things taking off my credit report. I am not sure why they even keep letting people run my credit with out verifying that it is me. This is why I have a fraud alert on my report. I just so happen to pull my report and this is crazy how they have let just about everyone pull my credit. I recently order my credit report and noticed that there are more then a few inquires that I do n't recognize nor did I authorize. Such as : ( 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 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 These are the inquiries that are unauthorized and unrecognizable. I have called over and over again and for some reason they keep telling me that there is nothing that they can do. If this is true then why would I even have a fraud alert on my report. The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm offer of XXXX XXXX XXXX XXXX XXXX XXXX XXXX order The following credit inquiries are related to none of the aforementioned permissible. Please remove these credit inquiries immediately.I would also like and updated report when this problem is corrected. Thank you so very much in advance XXXX XXXX I would also like my correct name and address and right social security number updated along with my phone number. I am attaching copies of all the correct items.

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 2017-11-02 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: MI

Complaint narrative:
I have sent in letters to XXXX Equifax, and also XXXX XXXX I have also called I have also upload my photo Id and social security card to have proper things taking off my credit report. I am not sure why they even keep letting people run my credit with out verifying that it is me. This is why I have a fraud alert on my report. I just so happen to pull my report and this is crazy how they have let just about everyone pull my credit. I recently order my credit report and noticed that there are more then a few inquires that I do n't recognize nor did I authorize. Such as : ( 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 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 These are the inquiries that are unauthorized and unrecognizable. I have called over and over again and for some reason they keep telling me that there is nothing that they can do. If this is true then why would I even have a fraud alert on my report. The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm offer of XXXX XXXX XXXX XXXX XXXX XXXX XXXX order The following credit inquiries are related to none of the aforementioned permissible. Please remove these credit inquiries immediately.I would also like and updated report when this problem is corrected. Thank you so very much in advance XXXX XXXX I would also like my correct name and address and right social security number updated along with my phone number. I am attaching copies of all the correct items.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I currently have a Chase checking account that has been overdrawn/non-sufficient funds since XXXX XXXX of this year. I have been going through a financial hardship since XXXX XXXX. I have been trying to come up with way to bring my account current but I continue to get late fees and overdraft fees added to my balance has been very hard to pay. My currently balance due is {$580.00} but {$480.00} is combined with monthly service fees and insufficient funds fees as well. I only recall my account being overdrawn by {$160.00}. I received a notice in the mail on XXXX XXXX. Stating I have an overdrawn {$500.00} which I was not even aware because prior to I did not receive any notices from Chase. Since then I have been charged two more fees of {$34.00} which brigs my total as stated earlier to {$580.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-02 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: TX

Complaint narrative:
I became aware of the Public Service Loan Forgiveness ( PSLF ) program around XXXX. At that time, I contacted my loan servicer, XXXX XXXX ( then to become Navient ) and asked the service representative if I could be placed on the right type of payment plan to qualify for PSLF. I was assured that yes, I was on the right type of payment plan. 

Through the following years, I had various phone interactions with XXXXXXXX XXXX/Navient customer service representatives. Each time I asked if I was on the right type of payment plan, and each time, these different representatives assured me that, yes, I was. Around XX/XX/XXXX, I submitted my first Employment Certification form. I have been working for a XXXX XXXX XXXX since XX/XX/XXXX. Upon review, it was determined that my work qualified for the PSLF program, and my loans were transferred from Navient to XXXX XXXX. Upon additional review, XXXX informed me that of all the payments I had made over the years, only 13 payments were considered qualified for PSLF. 

Apparently, I had been under the false assumption, due to false information, that my payments should have been qualified starting around XXXX. This means that while I thought I was on the right plan, I ultimately was not, and about 3 or 4 years worth of potential payments toward PSLF were essentially lost to me. 

In an effort to research the problem and hopefully correct any potential mistakes, I then contacted Navient. Navient confirmed I had only 13 qualifying payments. I asked them how on earth was that possible, as I expected accurate information from their customer representatives. After much discussion, Navient ultimately accepted no responsibility nor offered any avenue for recourse. I asked Navient for a hardcopy of all of my payment history to be mailed to me so that I could review it myself. They agreed. It 's now a good 8-9 months later, and I never received this information. I wish I had documented these interactions in a more meticulous manner, but I 've had dozens and dozens over the years of normal business with this servicer. This is further complicated by the shift from XXXX XXXX to Navient. Quite frankly, it is impossible to even investigate what information might have been lost in that transition. 

I feel like it 's unacceptable to expect regular every-day customers to have the file-keeping, documentation, and advocacy skills of a trial lawyer. I also feel it 's a reasonable expectation that Navient customer service representatives be properly trained, provide accurate information to their customers, and spend sufficient time with customers to understand all the options. The consequences of that failure are somehow placed solely on the shoulders of the customer. Now that my direct loans are being handled by XXXX XXXX, I 'm genuinely curious what options for recourse even exist from XXXXXXXX XXXX/Navient.

Company response to consumer: Closed with explanation