vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-17 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: NM

Complaint narrative:
I feel I have been given inaccurate information on my account. I do n't agree with the fees that they charge. I struggle to pay on occasions. I feel like this loan should have been forgiven, because of the circumstances of my leave from college. My daughter was diagnosed with XXXX and I had to take a permanent leave from school to take care of her situation at XXXX XXXX in Tennessee. I have tried to work with the company a numerous amount of times, every telephone representative tells me different things. Some say they could readjust my payment and other say there is nothing they can do. All in all, I feel very frustrated and stressed about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SUNTRUST BANKS, INC.
State: TX

Complaint narrative:
On  XXXX  I called  Suntrust Bank to try to get an extension on the remaining balance I have with them of {$850.00}. My v ehicle was totaled and between both insurance companies the bank has received over {$24000.00}. I have never been late on a payment. I even asked to speak with the supervisor ; his name is  XXXX  he did n't want to assist me either. I advise him that I am unable to make the payment due to me being unemployed and needed the extra time. I also advise him that they just received a payment from my insurance  XXXX . I never have experience anything like this

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 2017-05-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I sent this compan y 2  letters asking them to provide me with a contract or any documentation bearing my signature. Neither of the times did they provide me with a contract. I am unaware as stated to them regarding this account. I have never had an account with  XXXX  and I do n't know of any terms and conditions regarding this account. My credit report was updated stating this account meets FCRA requirements. I contacted the credit burea via phone and was told it was valid and I needed to contact the creditor.

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 2017-05-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I sent this company 2 letters asking them to provide me with a contract or any documentation bearing my signature. Neither of the times did they provide me with a contract. I am unaware as stated to them regarding this account. I have never had an account with XXXX and I do n't know of any terms and conditions regarding this account. My credit report was updated stating this account meets FCRA requirements. I contacted the credit burea via phone and was told it was valid and I needed to contact the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I sent this company  2 lett ers asking them to provide me with a contract or any documentation bearing my signature. Neither of the times did they provide me with a contract. I am unaware as stated to them regarding this account. I have never had an account with  XXXX  and I do n't know of any terms and conditions regarding this account. My credit report was updated stating this account meets FCRA requirements. I contacted the credit burea via phone and was told it was valid and I needed to contact the creditor.

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 2017-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On  XXXX   XXXX ,2017 I applied for a credit card in   XXXX   branch the lady pull my credit report and even showed me my score.   Later I got alerts about inquiries on my Transunion report.   Upon logging in there was  XXXX  inquiries from  XXXX  on  XXXX   XXXX ,2017 within minutes.   I called Transunion and explained them that I saw the  XXXX  employee pull my credit once and that why would they need  XXXX  duplicate reports on the same day.   Transunion representative said there was nothing he could do to call  XXXX  so they could request to delete the inquiries.   I then call  XXXX  that explained to me they only have record of  XXXX  credit inquire under my name so there is no way they could ask Transunion to remove the other  XXXX  that do n't exist on their system.   They also explained to me that sometimes Transunion has glitches were duplicate inquiries.

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 2017-05-17 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: FL

Complaint narrative:
I am a victim of identity theft. Someone opened an account with  XXXX   XXXX  using my information in  XXXX   XXXX  and left an unpaid debt of {$11000.00} on the account. This debt was eventually charged off and placed back on my report as a bad account. The account number is "  XXXX  ''.     In  XXXX , I contacted and filed an FTC Identity Theft Affidavit to open an investigation and get this matter resolved and removed from my credit report. I have recently re-filed a police report to get Equifax to understand the situation I 'm in and finally remove this bad account from my credit. I have contacted Equifax on multiple occasions with the attached police report but they are refusing to remove this account from my credit. I want to add that this account is not even reporting on  XX/XX/XXXX  and   XXXX    anymore. They deleted it from my report so I do n't understand why Equifax is refusing to address my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc.
State: MD

Complaint narrative:
I sent a request to this company to find out what this debt was for. I received a response stating it was for a gym membership that I never signed up for. There  are 2 seperate contracts with 2 different dates and two different  amounts. The license number listed is not mines. I asked this company to provide me with a copy of the identification that was used. I am more than 99 % sure whenever you sign up for any kind of membership a copy of your photo identification is kept on file as well. Also it states that a credit card payment was used I just recently got my  XXXX  credit card not to long ago. I contacted them and ask if they could mail me a copy of the ach authorization form they claimed they had on file but was told I had to contact the collection agecny.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: WA

Complaint narrative:
I sent and email t o US Ba nk requesting to have  XXXX  of the  XXXX  NSF charges that I have received removed since it shows proof on the transactions that I had enough funds to cover the transactions that I am now being charged {$100.00} ( {$36.00} *  XXXX  = {$100.00} ). Here is my email that I sent to  US  Bank : I am disputing  XXXX  NSF fees of {$36.00} these because at the time I withdrew the month on the  XXXX  there as money in the account to over these transactions. I am not disputing the other  XXXX  the other  XXXX  that were added on today  XXXX / XXXX /  XXXX   because that is my error. I can see by my transaction history on my account that I have included that there was a positive balance after that transaction was done. I am requesting  XXXX  of the  XXXX  NSF fees refunded back. Thank you for your time and consideration.      XXXX / XXXX /  XXXX   Atm Fee  XXXX   XXXX   XXXX   XXXX   XXXX  {$2.00} Balance {$120.00}  XXXX / XXXX /  XXXX   Atm Withdrawal  XXXX   XXXX   XXXX   XXXX   XXXX  {$42.00} Balance {$120.00}  XXXX / XXXX /  XXXX    Debit Purchase   XXXX   XXXX   XXXX   XXXX   XXXX  {$16.00} Balance {$160.00}  XXXX / XXXX /  XXXX   Debit Purchase -visa   XXXX   XXXX   XXXX   XXXX  Wa {$7.00} Balance {$180.00} This is US Ba nk response   XXXX  Hello  XXXX ,  Im s  or ry to hear of the difficulty youve experienced with your account. I can certainly explain why the fees were assessed, to help prevent this in the future. Items on your account are paid based on the available balance. This balance includes check card authorizations, as well as any unavailable funds from a deposit. The fees assessed on  XXXX  were the result of transactions that posted on  XXXX . Your available balance ending this date was - {$240.00}, due to unavailable card authorizations at the ATM totaling {$360.00}. I 'm sorry for this reason we are unable to waive the fees on the account.     You can view your available balance by selecting the blue circle next to the running balance when you 're logged into  your Online Bankin g on the full site.       Now I use my mobile app to view my account and balance and what my pending charges are and what my current balance is available. Its obvious on the statement that I will provide that I received off the website online that the amounts were taken out of the positive balance and the only items that should have been charged a NSF fee is the ones in the read which I take responsibility for.     As you can see by the statement I was charged  XXXX  for {$7.00},  XXXX ,  XXXX   XXXX  not usbank atm charge. Those transactions clearly show a positive balance after it was withdrawn dated  XXXX / XXXX /  XXXX   per the statement I have supplied.

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 2017-05-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
the  XXXX  national credit buraeaus will not investigate and remove the items I listed in my police report as results of identity theft Here are the accounts :   1.  XXXX    XXXX   XXXX  2.  XXXX    XXXX   XXXX  3. XXXX   XXXX   XXXX  4. XXXX   XXXX   XXXX   5   XXXX   XXXX   XXXX   XXXX   XXXX .
6.  XXXX    XXXX   XXXX   XXXX  7. XXXX   XXXX   XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: 360 MORTGAGE GROUP LLC
State: NV

Complaint narrative:
360 Mort gage is acting in bad faith in connection with a real estate transaction and acting as a foreclosure mill in refusing to adhere to standard real estate practices. At issue is borrower is looking to avoid foreclosure and has had an offer to sell their proper ty. 360  Mortgage has advised that the offer is too low based on their appraisal which is almost 6 months old. We have contacted the investor who has advised they are opening and working on a value dispute and that dispute should be completed by the end of the month to determine the value of the property.  360 Mortga ge was made aware that investor has opened a value dispute but has determined on their own to take the property to foreclosure sale prior to the value dispute being completed. This is completely unethical and acting in bad faith while parties are in the process  of negotiating a real estate transaction. Additionally 360 Mortgage 's appraisal is set to expire in approximately 2 to 3 weeks at which time they will be required to order a new value. 360 Mor tgage would rather foreclose on the borrower than to comply with standard real estate rules and regs when negotiating offers. This is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
the  XXXX  national credit buraeaus will not investigate and remove the items I listed in my police report as results of identity theft Here are the accounts :  XXXX  of  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 2017-05-17 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: TX

Complaint narrative:
the  XXXX  national credit buraeaus will not investigate and remove the items I listed in my police report as results of identity theft Here are the accounts :  XXXX  of  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX   XXXX   XXXX  #  XXXX .    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  #  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I filed a dispute and requested a removal from TransUnion for a tax lien on my credit report various times (  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX , and  XXXX / XXXX / XXXX  with no luck. TransUnion has not provided me with the information that states how they investigated this information to be accurate to continue to report on my credit report.     On my last letter I stated : The other main bureaus   XXXX    and  XXXX  DOES NOT show it. Is there something your agency knows that the other bureaus do not?     The following information, therefore, needs to be deleted from my credit report as soon as possible :  XXXX   XXXX  RECORDER #  XXXX  I require a response, on point, in writing, hand signed, and in a timely manner, agreeing to remove this listing from my credit report, and to cease all other types of communication with me. If I get another pointless letter from you saying that it has already been validated, then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I get against your company for violation of the Fair Credit Reporting Act, the Fair Debt Collections Practices Act and Defamation.     I am not sure how the amount was calculated and the property mentioned I DO N'T even own it.     This inaccurate reporting has caused denials for credit cards, auto loans or mortgages.

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 2017-05-17 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
An unauthorized hard-inquiry was placed on my XXXX credit report today by CBNA ( Citibank ) with the address XXXX XXXX XXXX, XXXX XXXX, SD XXXX which corresponds with Citibank 's address. I contacted XXXX ( the sole credit reporting agency which provided the hard inquiry to Citibank ) and they said I would need to get a letter of deletion from Citibank to forward to XXXX which is the only possible way I would be able to get the hard inquiry removed. I then contacted Citibank multiple times to ask for the letter of deletion as I did not authorize that hard inquiry and Citibank said multiple times that since they can not find any applications for credit in their systems which are connected to my social security number, they can not provide a letter of deletion for the hard inquiry. I then contacted XXXX again to let them know what Citibank said and XXXX once again said they can not remove the inquiry without a letter of deletion from Citibank. I am currently stuck with an erroneous hard inquiry negatively effecting my credit report for the next 2 years that I did not authorize due to Citibank 's unwillingness to provide a letter of deletion although they can not find an application tied to my social security number. Citibank 's inability to locate any applications tied to my social security number should be even more of a reason for them to provide me with a letter of deletion as it appears Citibank pulled a hard inquiry on my credit report without any authorization ( legitimate or illegitimate ) whatsoever from anyone.

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 2017-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: TX

Complaint narrative:
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against  HUNTER WARFIELD  for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was only able to make a partial payment told them they said okay. They still call m e 5 p lus times a day. I have told them when I can make a payment. Less than a month away. They refuse to stop calling they ask me to borrow the money pawn something.

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 2017-05-17 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: IL

Complaint narrative:
Contacted trans union concerned about a inquiry on  XXXX / XXXX /  XXXX  , I was told to contact creditor. I contacted creditor who after a  1hr  call stated to dispute it because they have no information that pertains to me or the inquiry. I contacted the cb and they told me to file a complaint because they ca n't remove an inquiry unless the creditor sends documents to remove. Which they can not because the creditor has no info for the inquiry

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 2017-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Resource Systems, Inc
State: AZ

Complaint narrative:
No support was provided. If I have a doctor bill then I want to see it, since I have not lived there since  2008. T his in reference to my original complaint  XXXX .

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Revenue Corporation
State: TX

Complaint narrative:
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against  UNITED REVENUE CORP  for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation