vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-11 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: MI

Complaint narrative:
We started using XXXX XXXX XXXX in XX/XX/XXXX. This Account was on both my husbands and my credit reports. It has been taken off my husbands credit report but is still on my credit report. As of today XX/XX/XXXX it's still on my credit report. When XXXX XXXX sent them letters they responded Dispute Resolved / Consumer Disagrees. The company we are disputing is XXXX XXXX XXXX XXXX  XXXX, the Account is up to date. We have been making the required payment of {$25.00} a month per their request and have not missed a payment. So why is this still on my credit report and has been taken off my husbands credit report? My name is XXXX XXXX XXXX XXXX and my husbands name is 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 2018-07-11 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: SC

Complaint narrative:
I have filed a dispute to have XXXX showing as paid in full. It was paid in full XX/XX/18 with the last payment. What they have done is added a comment stating account settled for less than full balance and it also show current status collections/charge off which is not correct. It never went into collections. It was charged off. I called the company and was advised that is something the credit bureau is doing and I need to go through them which I have done already. Instead of using an electronic system, they actually need to manually verify and if they did then could have verified the full balance was paid. It was paid in full with the last payment

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I have already contacted Navy Federal Bank several times via secured message as well as phone calls on throughout the month of XX/XX/XXXX,  XX/XX/XXXX, and XX/XX/XXXX. Sometimes numerous of times trying to get this resolve. 

I have several inquiries on my accounts within days apart or within one week apart. Some stem from one auto loan request that the representative claiming my credit would not be ran or impacted because it is all within one month. And these were simply appeals and they other ones were not authorized by me at all. 

I have inquiries that were not authorized for XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I DID NOT applied to any of the cards noted below : 1 ) On XX/XX/2018,  received a letter from XXXX 's informing me that credit card application is denied. The reason given is " too many credit bureau inquiries ''. The cards are for XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Credit Card. The credit bureau is Experian. ( Please see # 1 ) 2 ) Also, on XX/XX/2018, received a letter from Bloomingdales 's informing me that credit card application is denied. The reason given is " because you were recently declined ''. The cards are for Bloomindales 's American Express Credit Card and Bloomingdale 's Credit Card. The credit bureau is XXXX. ( Please see # 2 ) Please note that the address is wrong. 

3 ) On XX/XX/2018 I received a letter from Bloomingdales again informing me that credit card application is denied. The reason this time is " Unable to verify identity information ''. The credit bureau is XXXX. ( Please see # 3 ) Please note that my last name and the address is wrong.

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 2018-07-11 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: SC

Complaint narrative:
I sent a dispute to Transunion via certified mail on XX/XX/2018 in reference to incorrect, incomplete and inaccurate accounts being reported on my credit report. Per USPS, Transunion received this dispute on XX/XX/2018. In response to my dispute Transunion sent me nothing but a computer automated copy of my credit report. This response did not properly verify these disputes per the the Fair Credit Reporting Act, 15 U.S.C. 1681, but was also postmarked on XX/XX/2018 which exceeded the 30 days required. On XX/XX/2018 I sent a follow up dispute letter to Transunion explaining they did not properly verify any of the disputed accounts and also missed the 30 day response time. I requested they remove all of the disputed accounts which was required by law. Transunion received my follow-up dispute on XX/XX/2018. I included a copy of the original dispute letter along with copies of the USPS receipts showing the dates they received the disputes and a copy of their response which was postmarked past the 30 day cutoff period. In response to my follow-up dispute, postmarked on XX/XX/2018, Transunion again sent back nothing but another computer automated copy of a credit report with no changes and AGAIN missed the 30 day cut-off period required by law.

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 2018-07-11 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: OK

Complaint narrative:
This is a reoccurring problem with XXXX and Transunion allowing a Company named XXXX XXXX to every year update this collections account as current and partially paid on my credit reporting. They are reporting it wrong and against the fair credit reporting act. 
This account started in XX/XX/XXXX when I vacated an apartment and they agreed to take partial payment. They put it on my credit for paid less than full balance. I listed them on my bankruptcy as a debtor in XX/XX/XXXX. On XX/XX/XXXX, the United States Bankruptcy Court, XXXX   District of Oklahoma discharged my debts. XXXX XXXX XXXX is listed as a discharged debtor. I filed a dispute with XXXX. Yet, they allowed XXXX XXXX to continue to report this as an unpaid partial collection. In fact XXXX XXXX is showing they added it again XX/XX/XXXX as a partially paid collection with a note, Consumer disputes this account. This company needs investigated for continually going against the Federal Law and Federal Bankruptcy laws and needs fined so they won't continue to do it. 
Also XXXX and Transunion need fined for allowing it to be falsely reported on my credit report. I recently was issued a credit card for 24 % from XXXX XXXX because of this lowering my score and showing as current debt instead of included in Bankruptcy.

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 2018-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
Simple bank Desposited a check {$910.00} XX/XX/2018 Next day funds didnt appear in account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 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 — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I am trying to link my Capital One checking account to my XXXX XXXX monitoring service and Capital one is blocking external applications I'm being told by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 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: NC

Complaint narrative:
I have already contacted XXXX XXXX XXXX several times via secured message as well as phone calls on throughout the month of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Sometimes numerous of times trying to get this resolve. 

I have several inquiries on my accounts within days apart or within one week apart. Some stem from one auto loan request that the representative claiming my credit would not be ran or impacted because it is all within one month. And these were simply appeals and they other ones were not authorized by me at all. 

I have inquiries that were not authorized for XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 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: Westlake Services, LLC
State: NC

Complaint narrative:
I have sent and call both Westlake Financial, XXXX, and XXXX   regarding TWO unauthorized charges on my reports for XX/XX/2018 and XX/XX/2018. Both of which was not authorized by me. I sent faxes to XXXX and XXXX  requesting an investigation XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 as well as XX/XX/2018. I sent faxes to both of these bureaus continuously as these charges were not authorized. And they are still appearing on my credit report and findings have been provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 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: Great Western Financial Services, Inc.
State: TX

Complaint narrative:
Requested basic information from Great Western Home Loans, NLMS XXXX, on XX/XX/2018 through XXXX XXXX. Great Western ran my credit without my authorization. Spoke with other lenders on from XXXX XXXX and they did not run my credit. Spoke with XXXX XXXX on same day and they also agreed that no authorization was given for them to run my credit. Great Western parent company XXXX XXXX, out of XXXX, MD, is the company on my report that ran my credit without my written consent or verbal consent. Police report has been filed as well per the request of XXXX. Agent in question is XXXX XXXX. NLMS XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX. XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
I just found out in the month of XX/XX/XXXX that their is a lien on my property from an account from Discover Bank since XX/XX/XXXX which is 9 years old. 

I have a homestead on my property which does not allow a lien unless it is a mechanics lien, which means part of a home improvement. 

A credit card is not a home improvement loan that can put a lien on my property. 

A normal credit card would generally be off my credit report within 7 years. 

I don't know how Discover Bank was allowed to receive a Judgment and lien on my personal home ( resident ) as I don't remember ever having a Discover Card. 

This was done illegally through deception of a Judgment. I understand a credit card can get a judgment. But not a lien on personal property. 

I don't remember ever having a Discover Card. This account is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MEGASTAR FINANCIAL CORP
State: MO

Complaint narrative:
The mortgage company is claiming I didn't make the payment. My bank shows payment was made and provided a confirmation number. 

This is what the lender said : Good afternoon Ms. XXXX, As we discussed on the phone, we have not seen your first loan payment. 



I can see on my system that the first payment of {$1300.00} was due on XX/XX/XXXX. I can also see that the first payment actually belongs to Megastar. Subsequent payments beginning XX/XX/2018 belong to XXXX XXXX. 



At this hour I do not see that we have received your first payment. I have copied Ms. XXXX XXXX on this email. She is very familiar with depositing receipts. She will be able to confirm when we receive your check and how your check will be applied to your loan. 



In the event your payment is for more than the required payment of {$1300.00} we will forward the excess funds to XXXX XXXX, referencing their loan number XXXX. 



As I said on the phone, we are real good at receiving, depositing and allocating our deposits. XXXX will reach out to you tomorrow to confirm the above and provide us with more information. 



Your attention to your loan is appreciated. 



XXXX XXXX XXXX Assistant Controller MegaStar Holdings XXXX XXXX XXXX XXXX, CO XXXX Direct : XXXX Main : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 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: NC

Complaint narrative:
I have sent and call both XXXX XXXX, Transunion, and XXXX   regarding TWO unauthorized charges on my reports for XX/XX/2018 and XX/XX/2018. Both of which was not authorized by me. I sent faxes to XXXX and Transunion requesting an investigation XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 as well as XX/XX/2018. I sent faxes to both of these bureaus continuously as these charges were not authorized. And they are still appearing on my credit report and findings have been provided to 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 2018-07-11 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: NC

Complaint narrative:
I have sent and call both XXXX XXXX, XXXX, and Equifax regarding TWO unauthorized charges on my reports for XX/XX/XXXX and XX/XX/XXXX. Both of which was not authorized by me. I sent faxes to Equifax and XXXX requesting an investigation XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as well as XX/XX/XXXX. I sent faxes to both of these bureaus continuously as these charges were not authorized. And they are still appearing on my credit report and findings have been provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
I have requested that my HSBC Credit Card Acct. be closed over and over again however this bank is horrible and they refuse to comply. Its a simple request and shouldn't take an act of XXXX but obviously it does.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 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: TX

Complaint narrative:
Requested basic information from XXXX XXXX XXXX Loans, NLMS XXXX, on XX/XX/2018 through XXXX XXXX. XXXX XXXX ran my credit without my authorization. Spoke with other lenders on from XXXX XXXX and they did not run my credit. Spoke with XXXX XXXX on same day and they also agreed that no authorization was given for them to run my credit. XXXX  XXXX parent company XXXX XXXX, out of XXXX, MD, is the company on my report that ran my credit without my written consent or verbal consent. Police report has been filed as well per the request of Transunion. Agent in question is XXXX XXXX. NLMS XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX. XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 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: MI

Complaint narrative:
We started using XXXX XXXX XXXX in XX/XX/XXXX. This Account was on both my husbands and my credit reports. It has been taken off my husbands credit report but is still on my credit report. As of today XX/XX/XXXX it's still on my credit report. When XXXX XXXX sent them letters they responded Dispute Resolved / Consumer Disagrees. The company we are disputing is XXXX XXXX XXXX XXXX  XXXX, the Account is up to date. We have been making the required payment of {$25.00} a month per their request and have not missed a payment. So why is this still on my credit report and has been taken off my husbands credit report? My name is XXXX XXXX XXXX XXXX and my husbands name is XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 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: MI

Complaint narrative:
We started using XXXX XXXX XXXX in XX/XX/XXXX. This Account was on both my husbands and my credit reports. It has been taken off my husbands credit report but is still on my credit report. As of today XX/XX/XXXX it's still on my credit report. When XXXX XXXX sent them letters they responded Dispute Resolved / Consumer Disagrees. The company we are disputing is XXXX XXXX XXXX XXXX  XXXX, the Account is up to date. We have been making the required payment of {$25.00} a month per their request and have not missed a payment. So why is this still on my credit report and has been taken off my husbands credit report? My name is XXXX XXXX XXXX XXXX and my husbands name is 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 2018-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am filling this complaint agains XXXX XXXX XXXX. Address XXXX XXXX XXXX XXXX TX and Attorney XXXX XXXX. They are suing me for a debt for {$2900.00} for a debt that is not mine. I being serve 2 time in my house & 3 time by mail for the same debt ( cause no. XXXX XXXX ). The harassment does not ending. I mail them at the address above the following I provided them with copies of my 3 credit reports from the mayor credit companies which clearly show that there is & never being collections, late payments or nothing negative in my credit reports. I provident with copies of my XXXX going back 20 year of my military carrier showing the that my SSN is not the one they are looking for. Copies of my last 3 security clearance going back 15 year ( in my line of work I can not have credit problems or I be dismissed ). The name of 12 persons in my area that have my same name or a variation of my name. They dont stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 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: Navient Solutions, LLC.
State: OH

Complaint narrative:
I asked Sallie Mae to send me all payment information on all previously made payments on a loan Im co-signed on. For a month they have been telling me they would send me the information and they havent. They said I would receive it by email and I havent. They said they mailed it two weeks ago and I havent received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am filling this complaint agains XXXX XXXX XXXX. Address XXXX XXXX XXXX XXXX TX and Attorney XXXX XXXX. They are suing me for a debt for {$2900.00} for a debt that is not mine. I being serve 2 time in my house & 3 time by mail for the same debt ( cause no. XXXX XXXX ). The  harassment does not ending. I mail them at the address above the following I provided them with copies of my 3 credit reports from the mayor credit companies which clearly show that there is & never being collections, late payments or nothing negative in my credit reports. I provident with copies of my XXXX going back 20 year of my XXXX   XXXX showing the that my SSN is not the one they are looking for. Copies of my last 3 security clearance going back 15 year ( in my line of work I can not have credit problems or I be dismissed ). The name of 12 persons in my area that have my same name or a variation of my name. They dont stop.

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