vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-17 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: NY

Complaint narrative:
I had spoke to XXXX about the following hard inquiry pulls that they had said they would remove from my file. They were pulled without my authorization. They had agreed to remove the following dates from any credit report such as transunion, XXXX and XXXX. Here are the dates that need to be removed. I had to spoke to them last In early XXXX and they said by XXXX everything should be taken care of but they still show up. 

Here are the inquiry 's I am asking to be removed as agreed upon. 
Inquiry from XX/XX/XXXX Inquiry from 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 explanation
Consumer complaint received 2019-05-17 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: IL

Complaint narrative:
My fiance and I are soon to be in the market to purchase a home. I prepared be checking my credit report to know my score. While doing so I noticed a few items that are not mine. These items need to be deleted from my credit report. I've contacted FTC and my local police. I'm doing this on my own behalf. There are still items on my credit report that are not mine. Chapter XXXX Bankruptcy, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX. inquiries : XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was hit was a hard inquiry from XXXX from XX/XX/2018. I did not sign or authorize them to do this. Under the fair credit act I have up to 30 days which I disputed this already twice and no results. I am hoping here you guys can look into the situation and remove this false inquiry from my XXXX, Experian and any other credit reports this might be on. As the information is false. Thank you

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 2019-05-17 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: AES/PHEAA
State: MS

Complaint narrative:
In XXXX, in response to an ad for an Obama Administration program, I paid {$390.00} to private co. to refinance my student loans under public service loan forgiveness program, Income driven payments, to be recertified annually, paid in ten years. It was serviced by FEDLOAN Servicing. First year I paid {$29.00} mo. In XXXX I was to recertify. That recertification was a nightmare that was not completed until XX/XX/XXXX. I was somewhat late in XXXX due to emergency XXXX XXXX, but called to notify FedLoan and told okay, noted they would send docs and forebearance issued. I sent documentation over and over, it was refused, stalled until information became stale and refused again. I made repeated phone calls and emails to my Servicer. My employer called XXXX to verify accurate information already submitted and re-submitted. No two agents gave same information and my interest grew! In the interim, my credit was being destroyed. I contacted a DOE ombudsman and was advised to file a complaint with the FTC, which I did, but never heard more ; but did get IDR payment worked out and recertified in XX/XX/XXXX. I applied for a home loan in XX/XX/XXXX, only to learn that FEDLOAN Servicing had erroneously reported late payments for years for loans that were clearly in deferment or forebearance, and my original loan has now grown to more than {$140.00}. I produced letters to the lender showing forbearance, thus payments could not have been late, but until the information is removed from the Credit Bureaus, my home loan is denied with USDA. FEDLOAN SERVICING refused to remove it. Credit Bureaus refuse to remove it. I have disputed it with Bureaus to no avail. I have records and notes of this four-year recertification battle should you need anything further. TIME IS OF THE ESSENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was hit was a hard inquiry from XXXX from XX/XX/2018. I did not sign or authorize them to do this. Under the fair credit act I have up to 30 days which I disputed this already twice and no results. I am hoping here you guys can look into the situation and remove this false inquiry from my transunion, XXXX and any other credit reports this might be on. As the information is false. Thank you

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 2019-05-17 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: NY

Complaint narrative:
Due to the hacking of personal information At XXXX I had to place a security freeze on all three credit reporting companies. On XX/XX/2019 I had the security tfreeze emporally removed from Experian. Their website confirmed that the freeze was temporally removed. 
I requested from XXXX XXXX a credit increase on my Visa card. 
For four days we went back and forth attempting to gain access to my credit report to no avail. I even requested a one time pin number for XXXX to use. No matter what I tried Experian continued to deny access. Calling them is a colossal waste of time, since its all automated service. This is not fair, they make billions of dollars using our information and do not offer any help to the consumer when you have a problem with their services.

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 2019-05-17 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: FL

Complaint narrative:
I am a new resident to XXXX. I went to XXXX XXXX XXXX XXXX  to purchase a brand new vehicle. It was a HORRIFIC experience. The sales team kept me there for 7 hours. From XXXX to XXXX. I told the sales man the type of vechicle I wanted- a XXXX  XXXX XXXX   with a sunroof. He told me they had my car- then, at the end of the night, they told me the new XXXX dont have a sunroof- which was a lie. My 'brand new ' vehicle had several scratches and 2 small dents. There were no mats and no spare key and no service manuals in the car- I was exhausted and it was so late at night, I didnt notice all these things were missing until after I had signed for the vechicle. The sales manager- XXXX -XXXX-XXXX-XXXX said he would make it up to me and get me a sunroof- Then I found out the next day that the finance manager ran my credit 13 times!!!!!!! He told me he was only going to pull my credit one time- he did not tell me there would be 13 inquiries on my score- My credit score was XXXX, It went down to XXXX. I am trying to buy a house, but this company has destroyed my credit. I have been contacting the dealership monthly - XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 at XXXX - I spoke to XXXX in Finance- He tells me he has never heard of this before- I explained that XXXX XXXX XXXX Ran all these inquiries without my authorization and consent. I went into the service department to speak to someone about this problem in XXXX. There was a customer in there yelling and screaming that he has brought his car here and he has paid thousands of dollars and they still have not fixed his car. I could not speak to anyone because they had to call security for this frantic customer. I see now there are several negative commentaries online- I wish I had read all of this before purchasing my vehicle here. It has been the worst experience ever. The sales manager XXXX tells me to my face that he will fix everything- he has done nothing. I did not authorize 13 credit pulls - and XXXX XXXX XXXX needs to drop these credit inquiries. I hope CFPB will investigate this and I am happy to go public or have this information published because it is predatory and unconscionable - bad business practice.

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 2019-05-17 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: IL

Complaint narrative:
My fiance and I are soon to be in the market to purchase a home. I prepared be checking my credit report to know my score. While doing so I noticed a few items that are not mine. These items need to be deleted from my credit report. I've contacted FTC and my local police. I'm doing this on my own behalf. There are still items on my credit report that are not mine. Chapter XXXX Bankruptcy, XXXX, XXXX, XXXX XXXX, XXXX, XXXX/XXXX, XXXX, XXXX/XXXX, XXXX, XXXX XXXX, XXXX, XXXX. inquiries : 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 2019-05-17 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: ERC
State: TX

Complaint narrative:
A company Enhanced Recovery added a credit collection to my report stating this was opened XXXX of this year and I know which account this is ... it was opened 5 yrs ago or more for air time on a cell phone, and I tried to get them remove some of the erroneous charges on my bill for a long time back then. I had XXXX dispute it and they left on my report ... XXXX removed it from theirs ENHANCED RECOVERY  CO XXXX Original Creditor XXXX Open Date XX/XX/2019 Balance {$1500.00} Contact Information XXXX XXXX XXXX, XXXX, FL XXXX 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 2019-05-17 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Mymonthlyleaseis{$280.00}.Ihavealwayspaiditontimeandhaveneverbeenlate.InXXXX,2019Iaccidentallypaid{$280.00}-soIshortedmypaymentbyXXXXcents.IdidnoticethatIshortedonwhenIwenttopayXXXXandmadeupthedifference.JusttwoweeksagoIgotacallfromtheleasecompanyindicatingIhadbeenreportedtothecreditbureaufortheXXXXerror.Ifollowedupwithacallbacktotheleasecompanyandwhiletheywereapologeticandcouldseetheissue,theysaidthattheirsystemautomaticallynotifiesthecreditbureauifthepaymentreceivedwasnotthepaymentdueandthatandthattheycan'tpullitback.Theyinstructedmetofilethiscomplaintwithyou.IamaskingthatthisXXXXerrorberemovedfrommycreditreports.IhaveattachedacopyofthepaymentstothemandhighlightedinyellowtheissuesoyoucanseewhatoccurredinXXXXandthenXXXXonewhereImadeupthedifference.IcanbereachedatXXXXorXXXXtodiscuss.TheleasecompanyisXXXXXXXX.ThepersonIspoketoatXXXXattheirXXXXoffice.

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 2019-05-17 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 — Investigation took more than 30 days
Company: Flagstar Bank, N.A.
State: PA

Complaint narrative:
MymortgagewastransferredXXXXXXXXtoFlagstarBank.DuringthetransitionperiodXXXXXXXXreportedtothecreditagenciesthatmymortgagewasclosed.OfcourseitwasnotcloseditwastransferredtoFlagstarBankbyXXXXXXXX.MycreditreportsufferedbecauseofthisandbecauseFlagstarBankdidnotreportmymortgagepayments.IreachedouttoFlagstarBankandtheysaidtheydidreportitandIbuttheycouldnotshowmeverificationofthis.Iwouldlikethissituationrectifiedassoonaspossible.Thankyouforyourhelp.

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 2019-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
Hello, I have few accounts with the company designed receivable solution located @ XXXX XXXX XXXX  XXXX, CA XXXX and I wanted to clarify few things and I believe the manager would help me to answer my questions and I spoke to XXXX. She was cutting me off all the time, she was not attentive and sarcastic while we were on call. Her tone was unacceptable and when I asked her to provide me with her manager that she reports to she refused to provide me with the contact, she transferred me to the supervisor who is bellow her position and I had to beg them to give me the contact number for their director. I wanted to address the issue to him but he was out of office. The call was recorded with this manager. I asked a supervisor their social media address and they refused to provide me with this as well, I located their website and emailed up executive management about this incident. Nothing is transparent in this company and the manager who runs this place is rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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: NC

Complaint narrative:
XX/XX/XXXX to XX/XX/XXXX I have disputed items on my credit report with XXXX   and equifax. Equifax and XXXX are great companies this is the first time I have had issues with my credit report involving removing items. Equifax and XXXX are displaying incorrect information. There are also duplicate accounts on credit report when I only have one account. All accounts are closed because I filed Chapter XXXX. Some accounts were removed and then they reappear and then they remove them and then they reappear. Accounts that are closed are still open and showing that I missed a payment. I have asked that these accounts all be removed. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Arete Financial Group
State: FL

Complaint narrative:
I was told by this credit repair consolidation company, Arete Financial Freedom that they would handle all of the debt we named. They were going to contact them as soon as possible. I was also told to contract my debtors and give them an email stating that the company would handle these issues, email, threatening letters and calls. This has not been done since I have had this debt consolidation company.I was also told that I would have to pay them around {$680.00} as of XX/XX/2019 and for 17 more months to start the conversation with the debtors as well as lowing my payments. 
My credit score has been dramatic declining and because of the error that this Arete Financial Freedom company hasn't been reporting properly. That the company has and threatens calls/emails has also been increasing. This wasn't told to me, I was told when I sent all of my debtor consolidation company name, address, email and phone number this awful situation I am in would not happened. My resolution is that every account that was part of this agreement with this Arete Financial Freedom company those accounts must be back into correct standing, and that the late payment be remove. Due to this error of this credit repair consolidation company, Arete Financial Freedom my credit is been damaged and needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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:
A company XXXX XXXX added a credit collection to my report stating this was opened XXXX of this year and I know which account this is ... it was opened 5 yrs ago or more for air time on a cell phone, and I tried to get them remove some of the erroneous charges on my bill for a long time back then. I had Experian dispute it and they left on my report ... XXXX removed it from theirs XXXX XXXX XXXX   XXXX Original Creditor XXXX Open Date XX/XX/2019 Balance {$1500.00} Contact Information XXXX XXXX XXXX, XXXX, FL 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 2019-05-17 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: IL

Complaint narrative:
I have spoken to both Equifax and XXXX XXXX regarding some accounts that are reporting in error on my credit report. They have refused to provide the requested information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: NC

Complaint narrative:
On XX/XX/2019 i received notification via email that there was a collection debt added to my credit report. XXXX XXXX  is stating that I woe a bill for a address I never lived at. they are stating that i opened this account on XX/XX/2019. This is impossible because I have had XXXX XXXX XXXX XXXX XXXX  account for 2 years and the address they are stating I have never lived there. I have spoken to the original credit multiple times and they keep selling the account to different collection agency under false pretensing. i want this removed from my account because as of today they refuse to send me proof that its my account under my social security number. As of today no one from the company has provided proof of this contract that I signed for a bill that doesn't belong to me. they have messed up my credit because of this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: STERLING JEWELERS, INC.
State: LA

Complaint narrative:
I had called years ago to close my Kay jewelers account that I was lured into opening in a store when the guy said it was a membership card and it actually was a credit card. So I called right away when received to close it. And now in XX/XX/2019 is see on my XXXX credit score that this account is still opened under the name XXXX XXXX/Kay jewelers. Which is an odd buy out from the Kat jewelers account that does appear as closed. Could you help me close any account with this company for good?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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 — Investigation took more than 30 days
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
My mortgage was transferred Freedom Mortgage to XXXX XXXX. During the transition period Freedom Mortgage reported to the credit agencies that my mortgage was closed. Of course it was not closed it was transferred to XXXX XXXX by Freedom Mortgage. My credit report suffered because of this and because XXXX XXXX did not report my mortgage payments. I reached out to XXXX XXXX and they said they did report it and I but they could not show me verification of this. I would like this situation rectified as soon as possible. Thank you for your help.

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 2019-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX I mailed a payment to the credit card company, envelope was postmarked XX/XX/XXXX. The payment due date was XX/XX/XXXX. In accordance with the provisions of the Postmark Prompt Payment Act of 1995, the payment should have been consided as ontime. The company ( Comenity Bank-HealthiPlan ) went by receipt date ( XX/XX/XXXX ) and charged a late fee. I called and asked them to remove the late fee but they refused saying it was their policy to go by receipt date

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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: IA

Complaint narrative:
Experian removed a freeze on my credit bureau permanently when I requested a temporary lift as I was applying for credit. Experian does not provide a toll free telephone number that allows a person to speak with a human being unlike the other credit reporting agencies. I want a toll free number that allows me to speak with a human being.

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