vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-27 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: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX a hard inquiry made by Mr. Cooper without my authorization. 

# 1 Filed Bankruptcy on this mortgage in XXXX, XXXX ( case # XXXX ) Removing me from the Mortgage Note, but not the Deed, initially with XXXX, sold to Nationstar, AKA Mr. Cooper. ( No intentions to reinstate this loan/Debt ) # 2 My husband wanted to refinance the mortgage in his name only and has been contacted by : XXXX XXXX NMLS ID XXXX Nationstar Mortgage d/b/a Mr.  Cooper ( XXXX ) XXXX XXXX Address : NSTAR/COOPER XXXX XXXX XXXX, TX XXXX # 3 I never even spoke to XXXX XXXX to give Authorization to pull my credit, let alone where did he obtain my SS #? My husband never gave him it. 

I am absolutely furious that XXXX XXXX somehow found my SS # and used it to run a credit history to refinance a mortgage that I never authorized, this is fraud, illegal, and Identity theft.. 
I was able to get a hold of Mr. XXXX XXXX to ask him why he illegally ran a credit report on my behalf without my authorization, and how he was able to get my SS #. 

His reply is that because I am married my husband can authorize for me, NOT TRUE! 
( How often does Mr. XXXX use peoples SS # to obtain info without Authorization ) or ( by asking a spouse or significant other??? ) My husband never gave Mr. XXXX my SS #. XXXX also stated : and it doesn't matter if I filed Bankruptcy because my name is still on the note, Still does not answer how he obtained my SS #, ran a credit report and why he cant remove the hard hit on my credit report. 


I want this investigated and this hard inquiry removed from my credit report! 

Mrs. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have thousands of dollars in my Citi 's checking account. For some reason, I haven't receive new debit card due to moving. When I moved to XXXX TX last year, I noticed my online account was blocked and I can not use my check. What's worse, Citi closed all their local branches, so there's nowhere to solve the problem locally. Then I call their customer service, they said they can not help me as I don't have the new debit card number ( I never receive, or activate ), and they ask me to write a letter to an address in XXXX XXXX. I did as they asked in XX/XX/2017, and never heard back until now. I HAVE A TROUBLE TO USE MY OWN MONEY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 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: GA

Complaint narrative:
I review my credit report several times monthly. On XXXX, I reviewed my credit reports and saw that XXXX XXXX added a collections item to each of my credit reports. This dropped my credit score 30 points. The original creditor was XXXX. I do not have an account with XXXX. I never received any type of notification ( written or verbal ) from this company of an outstanding debt. I disputed these items to be removed from my credit reports but they were only updated to show the balance due as {$0.00}. I paid XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The information provided on my credit report by XXXX XXXX XXXX Is incorrect and invalid information. Currently the account displays a derogatory account with number XXXX an account number that is inaccurate that I have never been associated with along with an invalid address. Please remove it from my credit report. 
Thank you kindly, 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 2018-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The information provided on my credit report by XXXX XXXX XXXX Is incorrect and invalid information. Currently the account displays a derogatory account with number XXXX an account number that is inaccurate that I have never been associated with along with an invalid address. Please remove it from my credit report. 
Thank you kindly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The information provided on my credit report by XXXX XXXX XXXX Is incorrect and invalid information. Currently the account displays a derogatory account with number XXXX an account number that is inaccurate that I have never been associated with along with an invalid address. Please remove it from my credit report. 
Thank you kindly, 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 2018-11-27 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: GA

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citibank ( Student Loan Acct # XXXX ) in the amount of {$3100.00} Citibank ( Student Loan Acct # XXXX ) in the amount of {$2100.00} The above two accounts were originated between years XXXX. A detailed debt validation letter was sent on XX/XX/2018 ( USPS Certified Mail, reference # XXXX XXXX. 
There is a violation due to lending practices of Citibank as stated per CFPB vs Citibank. Until there is a finalization of the current findings of violation, Citibank should not report any accounts of fraudulent nature to all the 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 2018-11-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Prizm Financial Company, LLC
State: WI

Complaint narrative:
I have received numerous emails from the company always from a different person about my loan. I am not even a month behind and paid half a payment this month because of financial hardship. I told a person earlier today through email that I would pay the other half plus get caught up completely as soon as I got my pto payout from my former job and should not have any more issues after that if they would be patient for approximately another 30 days. Later this evening I received another email from a different person telling my my car is on the national hot list for missing cars and repossession has begun. The email stated that there is a XXXX out on me and the car. I have asked them to call me instead of emailing me also. They say they want to work with me yet they continue sending emails. This last email was totally unprofessional and threatening. I simply asked for some time and a change of due dates and an extension but this has not worked.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
date XX/XX/2014 {$2500.00} I CALLED USAA and I complained that I had missing money in my account. and I asked to investigate why I had no money in my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Signed up for XXXX XXXX XXXX with XXXX bonus points after XXXX spend. Spend was met and the points showed on the statement ending on XX/XX/XXXX. No points arrived by the beginning of XXXX. Contacted company over chat multiple times over multiple dates and kept being told by agents points would arrive in 1-2 days. Escalated to managers and kept being told the same thing. Manager as well as multiple chat agents in writing guaranteed me that I have earned the points and would receive them. Phoned company on XX/XX/14 and spoke with an agent that told me that the problem lied on XXXX 's end, and told me to call XXXX. XXXX then told me that the problem was on American Express 's end. 

Company wasted hours of my time contacting them as well as chasing down dead ends, and still has not posted the points to my XXXX  account as promised. Travel plans were nearly ruined on incomplete promises made by the company about when I would receive the promised bonus points. Looking at the transactions on the account, I have spent over {$12000.00} and have had multiple agents promise me in writing that the points were earned and would post, but those promises continue to be broken. American Express bills itself as a premier company, but it seems like I'm working with XXXX XXXX at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-27 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:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 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: GA

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: VA

Complaint narrative:
I was a customer at XXXX XXXX for two years and I recently cancelled my account on XX/XX/XXXX of this year. Later in XX/XX/XXXX that same year, I talked to a representative that I wanted to cancel my account and she told me that I have to cancel it before the XX/XX/XXXX and I did exactly that. After 4 months, I was there and number contacted me saying I owe this amount to XXXX XXXX. The collection agencys name is XXXX. I then called XXXX XXXX and ask how come they said I owe them? And they told me because I had a prorated amount of {$44.00}. In this case, they then told me that they sent several notification about the bill to my my address which I found out that its was a wrong address. Now they want me to pay {$230.00} to the collection agency. I explain to them its not my fault because they had the wrong address but to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 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: NJ

Complaint narrative:
XXXX ( Student Loan Acct # XXXX ) in the amount of {$3100.00} XXXX ( Student Loan Acct # XXXX ) in the amount of {$2100.00} The above two accounts were originated between years XXXX. A detailed debt validation letter was sent on XX/XX/2018 XXXX XXXX Certified Mail, reference # XXXX XXXX. 
There is a violation due to lending practices of XXXX as stated per CFPB vs XXXX. Until there is a finalization of the current findings of violation, XXXX should not report any accounts of fraudulent nature to all the 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 2018-11-27 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX ( Student Loan Acct # XXXX ) in the amount of {$3100.00} XXXX ( Student Loan Acct # XXXX ) in the amount of {$2100.00} The above two accounts were originated between years XXXX. A detailed debt validation letter was sent on XX/XX/2018 ( USPS Certified Mail, reference # XXXX ). 
There is a violation due to lending practices of XXXX as stated per CFPB vs XXXX. Until there is a finalization of the current findings of violation, XXXX should not report any accounts of fraudulent nature to all the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX ( Student Loan Acct # XXXX ) in the amount of {$3100.00} XXXX ( Student Loan Acct # XXXX ) in the amount of {$2100.00} The above two accounts were originated between years XXXX. A detailed debt validation letter was sent on XX/XX/2018 ( USPS Certified Mail, reference # XXXX ). 
There is a violation due to lending practices of XXXX as stated per CFPB vs XXXX. Until there is a finalization of the current findings of violation, XXXX should not report any accounts of fraudulent nature to all the 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 2018-11-27 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: Innovis
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. I need the following addresses removed from my credit report they are not mine : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX FL XXXX XXXX OH XXXX XXXX XXXX CT XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 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: ID Analytics, Inc.
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. I need the following addresses removed from my credit report they are not mine : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX FL XXXX XXXX OH XXXX XXXX XXXX CT XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: FL

Complaint narrative:
7 months ago i took out a title loan from XXXX  in XXXX XXXX florida. Then every thing was fine till i got sick they did not working with me or did any thing to help me in my situation. Now they keep on saying i owe XXXX dollars all the time i paid huge sums of money. they are ripping me off and i need them forgive this debt. i paid over 500 dollars and they keep on saying i still owe the XXXX dolalrs. they never gave me a slip on showing how much i own last time. they can care less i had 3 XXXX XXXX  and they will not help me what so ever. i even have a XXXX  XXXX  that they know and they keep on wanting medical records on that breaking hippa law. i don't make that much money i am on XXXX and they are taking advantage of me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX did not send verification of debt after it was requested on XX/XX/16. The company has continued to attempt to contact even after debt verification was requested and no verification of debt was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 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: Diversified Consultants, Inc.
State: NY

Complaint narrative:
Current : XXXX Original : XXXX  Account number : XXXX Agency reference number:XXXX Balance : {$500.00} Someone in my roommates stolen my info opened a XXXX  account for a new XXXX, after I found out it he returned the phone to XXXX and apologized to me. 
BUT XXXX push me to a collection company and make them call me every day that asking me to pay them a early termination fees!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: AL

Complaint narrative:
Ive sent out certified letters to XXXX XXXX XXXX for a collection account thats reporting {$840.00} of false debt!! I have never received any info on this debt! They will not respond to my letters! maybe because their physical address theyre reporting is a non deliverable address and so I have sent letters to their P.O. Box and someone has picked them up but Im afraid that the P.O. Box is someone elses and now they have my SS number and full name as well address!! The post office screen said INVALID address for their physical address!! I wasnt aware of this on my credit until This XX/XX/XXXX! all this time this false collection company is reporting inaccurate information!! Ive asked for documentation with my signature but have yet to receive anything!!

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