vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-17 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: NY

Complaint narrative:
an credit card account is being reported on my credit report i am requesting cease and desist all communication and debt collection

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
hello, i recently received a response { on a different complaint that i filed } and was not given the opportunity to reply - therefore i am starting a new complaint. 

XXXX from nelnet replied to two different complaints - one for nelnet and one for XXXX. are they now the same entity? they were not in 2017. 

i requested the information be sent via SNAIL MAIL. attaching them to a complaint online is not SNAIL MAIL. 

also, you asserted that i have not been making payments and that information is absolutely 100 % incorrect. i make payments every month - perhaps it isn't what you want, but it is what i can afford based on the ridiculously high balance you say i owe. which, by the way, is more than i borrowed. how is that possible? 

if you are claiming that i do not make monthly payments, then i will contact my bank, as they are sent via automatic bill pay on a monthly basis. please clarify - are you receiving monthly payments from me or not?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I had a lease account with XXXX XXXX XXXX. They had erroneously reported it as past due/charge off, due to the company being slow to come pick up the furniture when I cancelled the lease. It has been corrected and changed to satisfactory on my XXXX  report, and is not even on my XXXX reports. It still is not showing correct on my Equifax report, after about a year, and finally I decided to file a complaint since I can get no where with either of the companies. The account was closed, after the company came and picked up the furniture finally, after repeated calls of telling them to come get the furniture.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17 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: MA

Complaint narrative:
I applied for a Macy 's credit card in store at the register, and I was approve. However, days later, I received a letter stating that I was evaluated ( without my consent ) for a " Macy 's American  Express '' and was not approved. Macy 's without my consent used my information to evaluate my credit for a credit card for which I did not apply for ; creating negative inquiries to 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 2019-06-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CARTER-JONES COLLECTION SERVICE, INC
State: OR

Complaint narrative:
XXXX XXXX XXXX XXXX wrongfully charged me for propane that I returned in the tank they removed from my property. This was their tank and I cancelled service due to their price gouging for propane. They left the tank on my property for almost 2 months once service was cancelled. They charged me {$150.00} for removing their tank from our property. The tank was more than 1/2 full when they removed and they refused to provide the proper credit to my account. I have requested they show me in the contract we signed that states that they can charge to remove their tank from our property and they have refused to provide that proof. We told them since they had refused to remove our tank in a timely manner that we were charging a storage fee of {$20.00} per day and there was over {$400.00} in storage fees that they owe us. In addition, they never picked up all of their property from our home. XXXX XXXX is the collection company and they have refuse to ever provide us with any of the documents we have requested. It has been years since XXXX XXXX has sent us any thing. They continue to charge us interest on a bill we feel that we do not owe. Time frame when tank was removed was approximately 5 years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX, XXXX, XXXX XXXX. My DOB XXXX and my SS XXXX. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX

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 2019-06-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Siwell Inc
State: FL

Complaint narrative:
My home loan mortgage name is Capital Mortgage Services of Texas. I am paying mortgage regularly. My escrow is for paying for home insurance. My mortgage failed to pay on time. Today, called my home insurance ( security first ) and was told my policy was cancelled due to payment failure. 
I am very disappointed about my mortgage company failing to pay. 

I may be forced to look for another home insurance. HASSLE>..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/2019, an unknown individual gain access to me and my sons joint account. This said individual then write a check for {$250.00} in his name and sent check to himself. On XX/XX/XXXX when my son went to use his bank card all his funds were gone. We immediately call TD bank and they help us change accounts and everything. We filled a dispute and had to wait 15 days. On XX/XX/XXXX I realized that they denied the claim, said I needed a police report. So I went to my local police station and filed a police report. Not to much they can do being this individual lived in South Carolina and we live in New Jersey. So I tool that to bank and refilled a police report. 15 days later was denied again. Fraud department later said I needed to try to file a police report in South Carolina, so I did. South Carolina police said this individual was a known criminal and they arrested him. I took TD bank that police report as well. Then fraud department said I needed an affidavit of fraudulent charges on my account that had to be notarized. Did that, now we into XXXX fighting with td about this money. In XX/XX/XXXX I filed my last dispute and was denied by them saying, hey we see that you didn't do this and this person did but there is nothing we can do for you because we don't know how he got into your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I am closing my XXXX XXXX Account and I have tried multiple times to add my XXXX XXXX Checking Account to PayPal Credit however it refuses to add the bank account thus forcing me to keep open my XXXX XXXX   account as it will not allow me to make a payment with any other means.

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 2019-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc.
State: GA

Complaint narrative:
I have a debt collection appearing on my credit for an account that I did not authorize. The account appears to have originated from a lease agreement through an apartment. I have never resided at this residence. The information does not match anywhere I have ever lived nor conducted business.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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: CA

Complaint narrative:
On XX/XX/XXXX I received a response from Equifax to a verification I submitted on XX/XX/XXXX. The response ( # XXXX confirmation number ) stated : In this situation * We request that the reporting company verify the accuracy of the information you disputed * We provide them with the relevant information and supporting documentation you provided us with the dispute to consider as part of the investigation ; and * We request that they send Equifax a response to your dispute and update their records and systems, as necessary Here they outline their procedure for investigating my dispute and within their results of their reinvestigation ; The information you disputed has been received. The results are : inquiries area a factual record of file access. If you believe this was unauthorized, please contact the creditor. 

This does not indicate that their was an investigation into the accuracy of the inquires on my credit file. They did nothing but state they believe the inquires to be accurate. 

This will be the 6th attempt to have inquires removed from my file that I did not authorize. I have been successful having other removed once they actually did a investigation. Some creditors have no record of these inquiries and unwilling to give a letter to state so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ray Klein, Inc.
State: CA

Complaint narrative:
I gave XXXX XXXX County Fire my medical insurance information for an ambulance transport to the hospital in 2018. Everything was settled thru my insurance company XXXX XXXX. I am now receiving harassing letters from Professional Credit Service demanding that I pay them {$200.00}. I do not owe this money.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SIMM Associates, Inc.
State: CA

Complaint narrative:
XX/XX/2019 and various other dates on XX/XX/19 called daughter asked for me and said if She didn't give info he has other relatives he can call..He has my number I just don't answer. 
Has called my work numberous times after I told Him not to Calls other relatives eventhough He has my correct address and phone # and I have asked Him not to. 
XXXX XXXX is the caller Sim Associates is the agency XXXX-XXXX-XXXX ext XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion has a block on my account. I want it removed

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 2019-06-17 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: TX

Complaint narrative:
I am writing to dispute the following information in my file. I recently received a copy of my Experian credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX Please remove these inquiries from my credit report immediately.

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 2019-06-17 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
XX/XX/XXXX and various other dates on XX/XX/XXXX called daughter asked for me and said if She didn't give info he has other relatives he can call..He has my number I just don't answer. 
Has called my work numberous times after I told Him not to Calls other relatives eventhough He has my correct address and phone # and I have asked Him not to. 
XXXX XXXX is the caller XXXX XXXX is the agency XXXX ext XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I called today to Experian trying to have all personal statements and fraud alerts " removed '' in addition to the notices that state that my address is a commercial address ... when In fact it is a apartment building that is my residence. I was instructed to upload documents online but even with using the appropriate extensions it will not upload .... so this is another request to please remove all fraud alerts and REMOVE the notice and all comments or personal statements from my credit report .... this is a hinderance as I am currently seeking a mortgage.

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 2019-06-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute the following information in my file. I recently received a copy of my Equiax credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX  XX/XX/XXXX Please remove these inquiries from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX has a block on my account. I want it removed

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 2019-06-17 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: GA

Complaint narrative:
These company is reporting fraudulent, unauthorized, unverified accounts on my credit report. 

TransUnion XXXX. XXXX XXXX XXXX, PA XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX XXXX   XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2019-06-17 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have XXXX XXXX XXXX the beneficiary have tendered a payment thereto XXXX for a debt that has not been verified nor validated. I have requested information and FOIA freedom of information act request for private information and personal information from XXXX concerning the alleged account. I have received multiple letters saying they the Credit agencies such as TransUnion, XXXX, XXXX  etc, .. If there is no account please delete all alleged account information concerning the fraudulent account.

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 2019-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute the following information in my file. I recently received a copy of my Transunion credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX Please remove these inquiries from my credit report immediately.

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 2019-06-17 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: GA

Complaint narrative:
Unauthorized inquiries showing on my report that I have requested to be removed. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 2019-06-17 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: CA

Complaint narrative:
FOR THE PAST SEVERAL MONTHS I HAVE BEEN TRYING TO HAVE EQUIFAX REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. I HAVE SENT THEM MY IDENTITY THEFT REPORT, BUT THEY WILL NOT REMOVE/BLOCK THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. PER FEDERAL TRADE COMMISSION OFFICE ONCE THEY RECEIVE MY FTC REPORT THEY WILL NEED TO BLOCK THE FRAUDULENT ACCOUNTS BUT THEY REFUSE TO PROCEED ACCORDINGLY.

Company response to consumer: Closed with explanation