vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Chapter XXXX bankruptcy is invalidly reporting on credit bureaus have contact them to get it removed and all three major credit bureaus refuse to remove it. Along with bankruptcy the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these are not my accounts they are on my report as a result from ID Theft ; credit agencies also have copy of police report and ID Theft Report # : 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 2018-11-16 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 sent Experian, XXXX and XXXX 4 letters disputing the following items on my credit. I wanted them to provide me with documentation that these items belonged to me. Each credit reporting agency did not provide documentation of proof the items belong to me. They either stated they were updated, or had no change at all. The items are to be deleted is you can not verify the authenticity of them. 

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 I appreciate any assistance you can give me. 
Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
On Thursday, XX/XX/2018 I received an alert from my credit monitoring service that my XXXX XXXX XXXX credit card was closed. No explanation was provided. I contacted XXXX XXXX on Friday, XX/XX/2018 requesting an explanation and was told by customer service and a supervisor that my credit card was closed due to inactivity. 

XXXX XXXX did not provide me with a letter or email informing me that my account would be closed if I did not use the card. Due to this long standing account being closed my credit score has dropped. The supervisor told me that I would have to re-apply that they could not re-open my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-16 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: FL

Complaint narrative:
Identity Theft - All this stuff is fraudulent. I need all this stuff removed from my credit report. I already put a freeze on my credit account. Please help me out. 

Alert Date XX/XX/2018 Source XXXX  Phone ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Company XXXX Alert Date XX/XX/2018 Source XXXX XXXX ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Company XXXX XXXX XXXX XXXX Date XX/XX/2018 Company XXXX XXXX XXXX XXXX XXXX XXXX About this Alert XXXX XXXX XXXX  is a XXXX-based national bank with in-person financial centers, online, and telephone bank. Your identity may have been verified for a new account or access to an existing account Date XX/XX/2018 Company XXXX XXXX XXXX   Activity New Application About this Alert Bank of America is a XXXX-based national bank with in-person financial centers, online, and telephone bank. Your identity may have been identified during a financial transaction or discussion Alert Date XX/XX/2018 Source EXPERIAN Phone ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, TX XXXX Company 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 2018-11-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
A payment XX/XX/17 of {$480.00} is still not applied to my account which is causing late/interest fees to my account which would be paid in full by now. 
I have worked with XXXX which mailed the check on XX/XX/17 -it cleared on XX/XX/XXXX being cashed by Dept of Education . 
XX/XX/17 XXXX  received ck # XXXX for {$480.00} cashed it on XX/XX/17 and sent the money back to Department of Education on XX/XX/17 in which no fees have been applied to my loan. 
With the transfer of accounts from Department of Education to Navient some fees were lost in the transfer -- XXXX & XXXX are checks shown as an example of this happening -- I have been working on fixing and paying off this account since XX/XX/2017 and have not been able to get a resolution. This affects my credit report, parent plus loans and fafsa applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Chapter XXXX bankruptcy is invalidly reporting on credit bureaus have contact them to get it removed and all three major credit bureaus refuse to remove it. Along with bankruptcy the following accounts need to be removed : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX these are not my accounts they are on my report as a result from ID Theft ; credit agencies also have copy of police report and ID Theft Report # : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Chapter XXXX bankruptcy is invalidly reporting on credit bureaus have contact them to get it removed and all three major credit bureaus refuse to remove it. Along with bankruptcy the following accounts need to be removed : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX these are not my accounts they are on my report as a result from ID Theft ; credit agencies also have copy of police report and ID Theft Report # : 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 2018-11-16 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: UT

Complaint narrative:
I have tried submitting disputes org Equifax about errors on my report but it does not save. If I try to start a new one it wont let me and says my information doesnt match there records even though I had previously started one without a problem. 
Equifax makes it extremely difficult to dispute an error. The score they give is dramatically different than other credit agencies. 

XXXX does not process applications or report current information to credit bureaus. It keeps increasing my balance for no reason and the account is deferred while I consolidate and change servicing companies. XXXX has thousands of complaints but no one will do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
Contacted multiple times by XXXX XXXX XXXX, which is not a legitimate business stating that I " owed a debt '' on a Citibank Credit card that " someone may have illegally taken out '' during XX/XX/2015 however, I did not live in the US in XX/XX/2015, nor did I open an account or give anyone my personal information. They stated that they had sent me multiple correspondence and that the only way to resolve this was to pay {$2500.00} on the spot and the harassing calls and contact to my family members and myself would stop. 

After looking up their information, I realized quite quickly this is a scam. The company has yelled at my family members on the phone multiple times during the workday and I have now filed a police report for harassment. I look forward to pursuing this further as this is a scam.

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 2018-11-16 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: CO

Complaint narrative:
Incorrectly reporting to credit bureau on date of late payment. Showing on XXXX and XXXX as XX/XX/XXXX and Transunion as XX/XX/XXXX. Disputed consistently for 90 days. Last disputed XX/XX/2018 with Transunion and XXXX XXXX. Have records from Creditor showing their own information is incorrect, payment history and letter. Consistently refuses to fix disputes even though admittedly over the phone has said several times it is incorrect.

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 2018-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc
State: DC

Complaint narrative:
In XX/XX/XXXX to XX/XX/XXXX, I was contacted by Hunter Warfield Collection  agency regarding payment to XXXX XXXX XXXX for apartment that I did not live in. They keep calling and sending notifications to my personal home for a balance of {$9300.00}. 

I told them that this is not my debt and this debt belongs to XXXX XXXX who lived there. I did co-signed for her to get an apartment in XXXX ; however, due to safety and security so she told me that she provided the rental office a letter of her leaving the apartment three months before it was up. 

I asked them just on this past Tuesday, XX/XX/XXXX to not to call me and if this is amount that you say I owe, please provide the documents that XXXX XXXX XXXX has sent you for it does not amount to what you are saying. 

I have documentation from the person that was living there and she stated that this is not my debt and that she sent a check of in the amount of {$1400.00} on XX/XX/XXXX for which it was notarized to a debt amount of {$9000.00} with a settlement amount of {$4400.00}. 

What can I do to get this off my credit report for All 3 bureaus? Plus for the state of Maryland statue limitation is 3 years. It is more than 3 years since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I paid two bills with my Bank of America Mastercard. Bank of America Mastercard charged me a {$10.00} transaction fee for each payment saying that it was a cash equivalent. Never before have I been charged this fee. I called to find out how I could identify what companies would cause this fee to occur. XXXX at Bank of America said there was no way to identify these companies and that they could charge me the fee anytime they wanted based on a companies designation, but he said there was no way I would know the designation.

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 monetary relief
Consumer complaint received 2018-11-16 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: VA

Complaint narrative:
none of the 3 credit bureaus, are responding to my disputes

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 2018-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
This company has called me a total of six ( 6 ) times today alone XX/XX/18 after i told them to stop calling send correspondence by mail

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America underwriter declined my mortgage application on XX/XX/2018, half way into escrow which was started XX/XX/2018 and jeopardized my home purchase due to negligence on the part of the loan officer nmls XXXX who failed to submit my information correctly. I was then forced to find another lender and pay higher fees and get a much higher rate due to the time constraints of the escrow. 
I received a letter from bank of America today saying that the loan was declined because they were unable to verify ownership or occupancy and unable to verify qualifying income. I have supplied all requested documents such as XXXX, paystubs and tax returns as well as letters of explanations but my information was not submitted to the underwriter correctly by the bank of America loan officer. I have spoke to several lenders after my loan was declined and they all agreed that bank of America did not do their job and that the loan officer failed to correctly submit the 5 C 's.

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 monetary relief
Consumer complaint received 2018-11-16 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: AES/PHEAA
State: UT

Complaint narrative:
I have tried submitting disputes org XXXX about errors on my report but it does not save. If I try to start a new one it wont let me and says my information doesnt match there records even though I had previously started one without a problem. 
XXXX  makes it extremely difficult to dispute an error. The score they give is dramatically different than other credit agencies. 

XXXX does not process applications or report current information to credit bureaus. It keeps increasing my balance for no reason and the account is deferred while I consolidate and change servicing companies. XXXX has thousands of complaints but no one will do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
This company has called me a total of six ( 6 ) times today alone XX/XX/18 after i told them to stop calling send correspondence by mail

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 2018-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX I mailed a letter to Transunion advising them of several addresses and information about my employment that were on my credit report were fraudulent and they need to be removed these addresses are XXXX XXXX XXXX XXXX nc XXXX, XXXX XXXX XXXX XXXX Nc XXXX, XXXX XXXX XXXX XXXX nc XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX. I also have never worked as a self employed person or at a company called XXXX XXXX .... at the time I sent an affidavit letting them know that this information was incorrect and my drivers license with my correct address [ XXXX XXXX XXXX XXXX, NC XXXX ] I also called Transunion on several occasions to have all of the false addresses removed. I have discovered that since XXXX fraudulent accounts have been opened at the fraudulent addresses and I am doing all I can to stop all of this stuff I sent the original affidavit to transunion so I have had to fill out another one but I am submitting it to you today so that you can hopefully assist me in getting this corrected immediately this is just one of many issues I have had since discovering these issues. also I have tried to address inquiries that were fraudulent from XXXX XXXX XXXX & XXXX XXXX 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 2018-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2018 USAA Bank withdrew, without authorization, enough money to overdraw our checking account, causing a large number of Overdraft Fees. The amount of the withdrawal was {$300.00}, and the total amount of overdraft fees caused by that withdrawal was {$170.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: WY

Complaint narrative:
In XX/XX/2018 I applied for a credit card thru PayPal. On XX/XX/2018 I received a letter indicating I must call Synchrony Financial ( XXXX ) to confirm my application. In XX/XX/2018 I received a phone call from Synchrony saying that my application had been denied and that a followup letter would explain why. 

By late XX/XX/2018, I had not received a followup letter explaining why I had been denied. I phoned the number above and was told that the letter was sent and was probably lost in the mail and they would sent another. In mid XXXX I phoned the number again to report that I still had not received the followup letter. They replied they had been having problems with the US Postal Service and they would re-send the letter. 

To date I have not received the promised followup letter and still have no idea why I was denied. I would like this issue resolved.

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 2018-11-16 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: OH

Complaint narrative:
On XX/XX/XXXX I reviewed my credit report which had an enormous amounts of errors these errors as noted are in need of validation under FCRA 611 ( a ).

Accounts Validation Request XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  Balance {$5700.00}XX/XX/XXXX XXXX XXXX XXXX XXXX {$4000.00} DISPUTE SHOULD BE XXXX  BALANCE XX/XX/XXXX XXXX XXXX XXXX XXXX {$3500.00} DISPUTE SHOULD BE XXXX  BALANCE XX/XX/XXXX XXXX XXXX XXXX XXXX {$2900.00} DISPUTE SHOULD BE XX/XX/XXXX BALANCE XX/XX/XXXX XXXX XXXX XXXX XXXX {$2000.00} DISPUTE SHOULD BE XX/XX/XXXXBALANCEXX/XX/XXXXXXXX XXXX XXXX XXXX   {$1900.00} DISPUTE SHOULD BE XXXX BALANCEXX/XX/XXXX XXXX XXXX XXXX XXXX {$1200.00} DISPUTE SHOULD BE XXXX BALANCE XX/XX/XXXX XXXX XXXX XXXX {$1400.00} DISPUTE SHOULD BE XXXX BALANCE XXXX XXXX {$810.00} Validation XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-16 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 sent XXXX Transunion and XXXX 4 letters disputing the following items on my credit. I wanted them to provide me with documentation that these items belonged to me. Each credit reporting agency did not provide documentation of proof the items belong to me. They either stated they were updated, or had no change at all. The items are to be deleted is you can not verify the authenticity of them. 

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 I appreciate any assistance you can give me. 
Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 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 sent XXXX, XXXX and Equifax 4 letters disputing the following items on my credit. I wanted them to provide me with documentation that these items belonged to me. Each credit reporting agency did not provide documentation of proof the items belong to me. They either stated they were updated, or had no change at all. The items are to be deleted is you can not verify the authenticity of them.

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  I appreciate any assistance you can give me.

Thank you!

Company response to consumer: Closed with explanation