vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-17 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: CA

Complaint narrative:
I contacted Experian XXXX/XXXX/XXXX asking for the removal of inquiries that are on my report that I didn't authorize. 
I was told that by law unless their were a result of identity theft I couldn't have them remove. I was under the impression that credit reporting agencies or responsible for the data that they report and to its accuracy? 
The following inquiries I did not authorize : XXXX  XX/XX/XXXX received a solicitation letter from, probably the 5th one over the years but never used their service. 
XXXX XX/XX/XXXX and XX/XX/XXXX never heard of them but I was solicited about their products through an email but asked to be removed from their list and was then solicited through the mail with preapproved offers which I declined and never used their products. 
XXXX  XX/XX/XXXX I have no ideal who are wat they do but its on my report. I sent a registered letter which was returned and when I discussed forwarding it to Experian they told me not to bother. 
XXXX XXXX XXXX  XX/XX/XXXX solicited me for a credit card which they said I was preapproved for and I asked had they ran my credit and they said it was a soft pull and after I discovered it was a hard pull they closed the credit card. I never authorized a hard pull of my credit.

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 2018-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG HOLDINGS INC
State: FL

Complaint narrative:
XXXX XXXX fraudulently placed this account on my report. Sold it tonXXXX XXXX XXXX. Thus account is NOT mine a police report has been filed and is attached. If not removed from all 3 credit bureaus legal action will be taken. It should be noted that both companies have a history of fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Police report made regarding XXXX XXXX XXXX also in correspondance with XXXX XXXX. Fraudulent reporting. Needs to be removed from all 3 credit bureaus.

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 2018-07-17 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: AZ

Complaint narrative:
I am a victim of identity theft. The following accounts and credit inquiry listed on my XXXX XXXX, XXXX   and Equifax credit report is fraudulent, unauthorized and not my accounts or credit inquiry : XXXX XXXX XXXX XXXX # : XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX credit inquiry : XX/XX/XXXX. I have never lived at the following address : XXXX XXXX XXXX XXXX, XXXX XXXX, ND XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I called XXXX XXXX XXXX to get service, i was told it would be a soft inquiry to get the service. Not only that, but I was signed up for the entirely wrong product, i have been calling XXXX XXXX XXXX and no one can find my account number to offer me any help. After calling over 25 times, stepping in to a brick and mortar store they did let me know that i was NOT signed up for the service i requested, instead the CSR i dealt with that night signed me up for whatever he wanted to sign me up for. They have told me since to refuse the package that was sent to my property which i have already done. The XXXX router which apparently that CSR signed me up for apparently is still activated which the brick and mortar XXXX XXXX XXXX store told me and they have no idea why it's still activated but it should have been already canceled. No one has been able to help me regarding the 2 inquiries i now have on my Equifax report from XXXX and XXXX XXXX XXXX even after i was signed up for the wrong product, and returned whatever product they sent in the package. I don't have any luck getting anyone to help me with this on the phone or inside a store. They did not spell my name correctly on the paperwork, let alone my email. They have supplied me with a link to put in my information for wrong inquiries placed on reports but it has been weeks with no answer, i need help on getting this resolved from the corresponding forces.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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:
Police report made regarding XXXX XXXX XXXX also in correspondance with XXXX XXXX. Fraudulent reporting. Needs to be removed from all 3 credit bureaus.

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 2018-07-17 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:
Police report made regarding XXXX XXXX XXXX also in correspondance with XXXX XXXX. Fraudulent reporting. Needs to be removed from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: GreenSky, LLC
State: TX

Complaint narrative:
Greensky Made A XXXX Dollar Loan In Me And My Husbands Name With Out Ever Speaking To Us With Out Us Signing For A Loan With Out Us Knowing Any Thing About This Loan .Now They Have Slammed Our Good Credit Rating And They Are Calling Us All The Time For Us To Pay For A Loan We Never Asked For Or Never Agreed To! This Is Criminal To Loan Money In Our Name Which We Never Filled Out Any Loan Documents Never Asked For And Never Even Spoke To Us

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
SPS purchased our 2nd mortgage loan last XX/XX/XXXX. At first they led me to believe I was late so I filed a complaint w/ cfpb. Things got resolved but I felt I was getting played based on SPS 's reputation. ( maybe we have someone not paying attention? ) Last XX/XX/XXXX they forced placed a flood policy on me. I ignored it knowing their reputation and was not paying for dual coverage.I have not paid the premium. I finally got tired of them asking for the premium and sent them my XXXX page. Not good enough. Apparently since this was new construction the legal address does not match the physical address. No big deal they say " It is required by FEMA. After all these years no creditor has challenged this. So .... The insurance company says the agent has to change it and the agent told me to call the insurance company. Again no big deal as we been carrying flood insurance since we purchased the house. Again, I feel like is SPS looks for borrowers to extort money from ; somebody not paying attention. They have gotten better ; the call center employees sound more convincing and professional : but when asked ( several people ) to review my policy ( XX/XX/XXXX page ) ; almost all ( insurance experts ) had no access to it ; ( a couple did ) when they all should. Now I'm asking for a deferment and I'm feeling I will get the run around. I've been down this path before.! A group of investors buying a distressed book of business handled by young people in a call center in XXXX XXXX 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 2018-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: FIRST NATIONAL BANK OF OMAHA
State: MD

Complaint narrative:
I've had a credit card with First National Bank for 5+. They gradually increased my limit offer the years due to my history. My limit was increased to XXXX, a few months ago I used the card 's maximum limit as my family and I were going through home changes as we needed to move. The funds were used to help renovate our home. Approximately 2 months later I paid the balance off in two payments. First National Bank promptly decreased my credit card limit from {$10000.00} to {$1400.00}. I went to used the card and was declined which is how I discovered that the limit was drastically decreased. I called and the excuse they gave me was that there were a lot of inquires on my credit report. This leads me to believe that when you get a credit card with First National Bank, they expect you to not do any other form of business where your credit is concerned. I checked my credit report and it shows it was decreased on XX/XX/XXXX, I made a payment on XX/XX/XXXX to bring the credit balance back to {$10000.00}, that payment posted on XX/XX/XXXX. I feel I was discriminated against because my family and I needed to move and needed a new loan which of course required our credit to be viewed by other creditors. It is absolutely unfair for First National Bank to decrease their clients credit limit based on their family needs, especially when the balance is paid. It was not left on paid, or resulting in late fees. Though our credit was view for loan we needed, we still ensured to pay our balance. Card number ending in 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 2018-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Global Credit & Collection Corporation
State: NY

Complaint narrative:
This is a new number I just received from XXXX. the calls are not for me I have told them that but they keep calling

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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: MA

Complaint narrative:
In XX/XX/XXXX I consolidated a group of loans into one which was shown in Sallie Mae 's records as {$81000.00}. Sallie Mae ( " SM '' ) has based its interest and payment levels on a debt much higher -- {$130000.00}. I believe this is based on double counting capitalized interest and numerical errors. The result is that too little of my payments over these 16 years have gone to reduce the debt, which is still listed by Navient as {$83000.00} as of XX/XX/XXXX. 

In addition, when the consolidation occurred SM neglected to remove the original loans from my credit report as paid. Therefore my debt was shown as over {$200000.00}, with costs to me in mortgage and credit card interest rates. 

Their responses over the years have not answered my questions or concerns. The current website report of payments shows the original amount as {$81000.00} but the monthly bill shows the original principal as {$130000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Resolution Corporation
State: KY

Complaint narrative:
I was never contacted concerning this account and have no knowledge of this collection agency. In some cases disputes were added years after dates of service. I assumed it was paid by insurance after years of not hearing any information about these accounts. Had I known I would have paid this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I didn't know what this company and i didn't request from this company

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 2018-07-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
I had a loan amount approved with Credit Acceptance for a XXXX XXXX which I received from XXXX XXXX XXXX. On XX/XX/2017 I had to purchase a new engine and services for the car of {$4600.00}. Apparently the cars engine block was broken and desperately needed to be replaced. I had tried for months to resolve this issue but had no success. I had repeatedly called XXXX XXXX XXXX and Credit Acceptance to ask for help but received none. I also ended up paying out of pocket for a rental car for weeks and was never reimbursed for it. I was under the impression that the payment for the engine block would go towards my monthly payment for the car.

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 2018-07-17 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: AZ

Complaint narrative:
I am a victim of identity theft. The following accounts and credit inquiry listed on my Trans Union, XXXX   and XXXX  credit report is fraudulent, unauthorized and not my accounts or credit inquiry : XXXX XXXX XXXX XXXX # : XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX credit inquiry : XX/XX/XXXX. I have never lived at the following address : XXXX XXXX XXXX XXXX, XXXX XXXX, ND 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 2018-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am a victim of identity theft. The following accounts and credit inquiry listed on my XXXX XXXX, Experian and XXXX credit report is fraudulent, unauthorized and not my accounts or credit inquiry : XXXX XXXX XXXX XXXX # : XXXX,XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX credit inquiry : XX/XX/XXXX. I have never lived at the following address : XXXX XXXX XXXX XXXX, XXXX XXXX, ND 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 2018-07-17 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: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
Ok heres my problem with Nationstar Mortgage/ : Mr copper. I I purchased a house on XX/XX/XXXX. I got a divorce about 11 months after the fact and doing that gave my wife or ex-wife rights to the house. Now here it is XX/XX/XXXXwhich is 12 years later these companies Mr. Cooper/XXXX  mortgage are still posting a negative balance And falsely showing that Im been making a payment 120 days ago because thats what reason my card for 120 days late. This is the question I have is it legal for a company to sell the house twice and still charge the guy that bought the house or XX/XX/XXXX which is 12 years ago in the back penalties or whatever theres any need to do whatever no I dont think so when you sell the house I thought it was him free of all liens indeed and whatever else. So my question is this, if Mr Copper can do whatever he wants, we may as well just go ahead and just throw the Civilian right away that I served in the XXXX XXXX for XXXX XXXX  to defend, Im sorry but these big companys in our country get off to easy with no legal action taken against them for the Unconstitutional and illegal actions that they decide they want to do.My name is XXXX XXXX XXXX my phone number is XXXX please call me and get the rest of the story I have all documentation and representation I need to go to court if you want no I want just going to go down I want to sue them I want him to fix my credit for the past 10 years of mess it up and be punished for it, if nothing else make them give me the XXXX XXXX for the E legal documentation this representing on my credit report as of today 120 days late is 12 years old whats up. Bottom line is this I dont give a care about the money or whatever discount you need to go down just because of doing wrong and I was sick of it. And heres the kick in the XXXX  I cant use my VA loan because these punks have got me two points off of the qualifying close score to qualify for it so they are hindering me from doing what I want to do because theyre doing some illegal so hows that right

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
XXXX Inquiry from XX/XX/2016 + Finance i never inquired this company and it affected my credit score

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 2018-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Transcontinental Credit & Collection Corp
State: PA

Complaint narrative:
trans continental credit collection corp .threat to report me to the credit bureau.and calling my job and homeand threating letter in mail

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have reach out to Experian about an address that appears on my credit file that should have been DELETED because i nevered lived there. 

THE only Two address that should be on my credit report is XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX THE ONLY ADDRESS IN ERROR AND SHOULD BE DELETED SHOULD BE XXXX 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
Consumer complaint received 2018-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX Made A XXXX Dollar Loan In Me And My Husbands Name With Out Ever Speaking To Us With Out Us Signing For A Loan With Out Us Knowing Any Thing About This Loan .Now They Have Slammed Our Good Credit Rating And They Are Calling Us All The Time For Us To Pay For A Loan We Never Asked For Or Never Agreed To! This Is Criminal To Loan Money In Our Name Which We Never Filled Out Any Loan Documents Never Asked For And Never Even Spoke To Us

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 2018-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: OK

Complaint narrative:
We have not had services with XXXX since XX/XX/XXXX, they are saying we opened an account with XXXX on XX/XX/XXXX for the amount of {$790.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation