vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-29 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: Nelnet, Inc.
State: MD

Complaint narrative:
NELNET, former loan servicer, who transferred my student loan to XXXX XXXX before my loan entered repayment, i.e. no payment was ever owed NELNET ; no payment was ever made to NELNET. In clear violation of federal law expressly prohibiting duplicate reporting of loans ( including student loans ) within the borrower 's credit reports, NELNET continues to duplicate report ( same student loan for {$20000.00}, reported by XXXX XXXX, the current and only servicer to whom payments were owed ). NELNET 's per se unlawful explanation for NELNET 's continued unlawful duplicate student loan reporting is " loan history '' which argument is fictitious/illegal-self-serving because National Student Loan Data System, NSLDS, is the sole student loan system recognized as " authoritative '' for student loans history reporting. In fact, NELNET is merely actually using their unlawful student loan tradeline report for illegal monetary gain by sale of said unlawful tradeline. PRIOR NOTICE : XXXX has received numerous requests from me to permanently remove NELNET 's per se unlawful duplicate student loan report from my XXXX credit report ( hereby I incorporate my prior Consumer Financial Protection Bureau, CFPB report number XXXX dated XXXX XX/XX/2018 in full with all attachments by reference ). If XXXX does not promptly ( within 10 business days ) permanently remove NELNET 's per se unlawful NELNET duplicate student loan report report, I will have no further option but to bring both NELNET and XXXX  to federal district court to answer charges of unlawful fraudulent student loan reporting extortion. NELNET and XXXX  have received written notice numerous times without corrective deletion of said unlawful duplicate student loan report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
My wife and I were shopping at XXXX XXXX XXXX XXXX, We visited the customer service desk to obtain a membership card for her thru my account. The representative took care of our matter and offered a preapproved credit card that I initially declined the offer, after a sales pitch we can save XXXX a gallon on fuel plus any other offer they have by using the card and assured it was preapproved my wife encouraged me to move forward with the offer. The representative at XXXX XXXX asked me a few questions and said the card will arrive in the mail about 10 days. All was well till I got a letter from XXXX XXXX XXXX  rejecting my XXXX XXXX credit card due to to many new credit in the last 12 months. My initial decision to decline the offer was to avoid an other hard inquiry to my credit bureau 's. XXXX XXXX XXXX blamed this on XXXX XXXX   customer service, XXXX XXXX customer service told me in no way did they have anything to do with this situation, It Was XXXX XXXX XXXX showing them on computer screen I was preapproved from XXXX XXXX XXXX web site. Representative at XXXX XXXX  told me this happens a lot.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
On XX/XX/2017, I was at XXXX XXXX and they offered me a good deal on a credit card and had told me I'd be approved, if I applied for their credit card, so I did because they had informed me to do it because its smart. But to my surprise, it was declined. Therefore, it's a complete mistake as I would not have applied for it if they hadn't pressured me into it. I knew for my first credit card that I needed a secured one so i continued to get one after there misguided information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 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: MI

Complaint narrative:
Dear Sir, As per the Experian Credit Report dated XXXX XXXX, XXXX did inquiry on XXXX XXXX in my credit file without my consent and without my authorization. XXXX also did inquiry on XXXX XXXX in my credit file without my consent and without my authorization, same has been disputed and removed from Experian Credit file. Experian entertaining the fraudulent inquiries in my credit file without my consent and without my authorization, I never ever contacted XXXX for any reason. XXXX  inquiry dated XXXX XXXX is a crime, fraud and misrepresentation. I have also locked experian Credit file on XXXX XXXX to avoid further fraudulent activities and damages, where experian unlawfully entertaining fraudulent inquires in my credit file without my consent and authorization. Also, on same inquiry dates XXXX XXXX and XXXX XXXX, someone kept fraud alert on my credit file without my consent and authorization. Could CFPB kindly direct Experian to remove the XXXX inquiry dated XXXX XXXX from credit file, which was inquired without my authorization and consent. Could CFPB kindly take appropriate action against Experian and XXXX for entertaining fraudulent XXXX XXXX inquiries in my credit file. Could CFPB store my CFPB complaints in the data base, FTC records, and identification theft and misrepresentation/fraudulent activity records. Could CFPB kindly direct my complaint to Federal Officer and take appropriate action against XXXX for committing fraud and misrepresentation using my social, name, address and various identification details..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDEN 1 CREDIT UNION, THE
State: NY

Complaint narrative:
My card is disabled and blocked. When I tried to inquire on the reason : 1. I was given the answer that my card was fine - its just a glitch. A " glitch '' that is now lasting for more than a month 2. I called again, was told that it was " fraud '' and I should get a letter at anytime - which I never received.

3. I was told I am not " qualified '' to get information on why my account is blocked. 


My account is always paid on time - I am a big spender. I spend a lot, and I pay it off. Somehow this bank does not like that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: IL

Complaint narrative:
A company going by name Debt Recovery Solutions , LLC has constantly harassed me about supposed medical debt in collections. These are fraudulent charges. I have disputed these charges as fraudulent on multiple occasions with all 3 credit borrows. Company keeps opening collection accounts in my name for different amounts ( 3 amounts/being charged- ( {$58.00}, {$910.00}, {$1100.00} All supposedly related to XXXX XXXX XXXX ). I have never heard of this company and never visited them. The exact same amount has also been attempted to be collected under a different company names- XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
This problem was originally reported under complaint number XXXX. The complaint was closed too soon. Please do not close this complaint upon receipt of company response, as they are not resolving my problem. 

I received the letter from LoanCare dated XX/XX/2018, with a letter attached dated XX/XX/2018. In this letter is a phone number ( XXXX ) and extension ( XXXX ). I called this number XX/XX/18, the first date I could take off work, and the extension is invalid. I left a voice message, and did not receive a return call. 

Curiously, and without notification, my PMI charges changed in XX/XX/2018, decreasing from {$77.00} to {$25.00}. The total current PMI overpayment stands at {$410.00}. 

XXXX XXXX has refused to provide requested information to help me cancel my PMI. They state my property has lost value per XXXX, but will not tell me what XXXX was used, what information was entered, or what the new value is. The website still indicates my property value is $ XXXX. Using XXXX, my property has increased in value from a purchase price of $ XXXX to $ XXXX. Additionally, LoanCare is demanding I pay for a Broker Price Opinion, but will not provide any information regarding the BPO - just that I write a check. I've paid my mortgage on time every month for ten years and I have great credit. My principal balance is, per the website, {$120000.00}. Original property value was, per LoanCare letter dated XX/XX/18, {$150000.00}. As the principal balance is now 80 % of the original value, my PMI should have cancelled automatically.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
On XX/XX/2017, XXXX XXXX XXXX XXXX offered a good deal on a credit card. Then, without my knowledge, someone in my family applied for the card for me. But to my surprise, I saw on my credit report that I was declined for something I didn't apply for! Therefore, it's a complete mistake as I wouldn't apply for a non-secured credit card with the short amount of credit history that I have!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 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: MD

Complaint narrative:
XXXX, former loan servicer, who transferred my student loan to XXXX XXXX before my loan entered repayment, i.e. no payment was ever owed XXXX ; no payment was ever made to XXXX. In clear violation of federal law expressly prohibiting duplicate reporting of loans ( including student loans ) within the borrower 's credit reports, XXXX continues to duplicate report ( same student loan for {$20000.00}, reported by XXXX XXXX, the current and only servicer to whom payments were owed ). XXXX 's per se unlawful explanation for XXXX 's continued unlawful duplicate student loan reporting is " loan history '' which argument is fictitious/illegal-self-serving because XXXX XXXX XXXX XXXX XXXX, XXXX, is the sole student loan system recognized as " authoritative '' for student loans history reporting. In fact, XXXX is merely actually using their unlawful student loan tradeline report for illegal monetary gain by sale of said unlawful tradeline. PRIOR NOTICE : TransUnion has received numerous requests from me to permanently remove XXXX 's per se unlawful duplicate student loan report from my TransUnion credit report ( hereby I incorporate my prior Consumer Financial Protection Bureau, CFPB report number XXXX dated XXXX XX/XX/2018 in full with all attachments by reference ). If TransUnion does not promptly ( within 10 business days ) permanently remove XXXX 's per se unlawful XXXX duplicate student loan report report, I will have no further option but to bring both XXXX and TransUnion to federal district court to answer charges of unlawful fraudulent student loan reporting extortion. XXXX and TransUnion have received written notice numerous times without corrective deletion of said unlawful duplicate student loan report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: IN

Complaint narrative:
Just bought a car and before I could plate it I was in an accident not my fault the other insurance company took for ever to settle with santannder they continued to charge interest on the vehicle loan which I was also still making payments on also I have ask them to wave the interest since they were the ones that settled with the insurance but still were charging me until they got the payment also they said it was for the warranty that obviously was not needed again didnt even have the vehicle 30 days I would like it removed from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I requested the student loan be removed and old addresses be removed from my report that is missing information and is reporting inaccurate information on XX/XX/2018. They didn't remove them even when 30 days passed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I requested the student loan be removed and old addresses be removed from my report that is missing information and is reporting inaccurate information on XX/XX/2018. They didn't remove them even when 30 days passed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
On XX/XX/2018, I was at XXXX Bank and one of the employees advised me to apply for a XXXX XXXX XXXX  credit card and had told me I'd be approved. So I listened to the bankers false claim, but to my surprise, I was declined. I am not happy with the fact that due to the banker giving me false hopes with a credit card. Furthermore, now that his false claims are affecting my Equifax Credit Report!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 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: FL

Complaint narrative:
XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX  XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX/XXXX XXXXNeeds Attention Last reported : XX/XX/XXXX {$9700.00} 30-59 Days Late XXXX/XXXX XXXX Last reported : XX/XX/XXXX {$5000.00} Good XXXX/XXXX XXXX XXXX  Last reported : XX/XX/XXXX {$4900.00} GoodThe items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have several credit cards through Capital one ; I always make my payments online through their website, there have been several times when I have paid my due payment on the payment due date and have still been charged late fees and other fees. Their customer service reported to me, that if I dont pay the due amount by XXXX XXXX  on the due date its considered late and they charge me a late fee, many times its only a few minutes past XXXX XXXX. I dont think thats fair, I have several other cards Through other banks and none of them do this .. capitol one is the only credit card that does this. Over the years Im quite sure this has costed me hundreds of dollars in fees. Is what they are doing legal. 
My card numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 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: FL

Complaint narrative:
TransUnion XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX. XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXXeeds Attention Last reported : XX/XX/XXXX {$9700.00} XXXX Days Late XXXX XXXX Last reported : XX/XX/XXXX {$5000.00} Good XXXX XXXX XXXX Last reported : XX/XX/XXXX {$4900.00} GoodThe items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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