vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-22 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: LD Holdings Group, LLC
State: IL

Complaint narrative:
I have been shopping around for mortgage rates with about 6 companies. All of them did " soft '' inquires on my account ( i.e. does not affect my credit score ), except LOAN DEPOT via XXXX  which did a " HARD '' inquiry on my credit ( which DOES affect my credit score ). I have not applied for a mortgage with LOAN DEPOT and they did not have permission to start a mortgage ergo hit my account with a " HARD '' inquiry. I have attached the email that LOAN DEPOT sent me after inquiring about a mortgage. Note that at the top of the email it says " Thank you for considering loanDepot for your mortgage financing!, yet at the top there is a loan number ( " Subject : Welcome to loanDepot, XXXX! ( XXXX ) ''. Not only did they hit my credit report with " HARD '' hits, they also hit my wife 's 3 credit reports, lowering her score too. 

I have called XXXX and they initiated an inquiry with LOAN DEPOT, but that will take up to 60 days to complete. I am now ready to apply for a mortgage, and my credit score has been affected by LOAN DEPOT 's " HARD '' hit on my account. 

I called LOAN DEPOT and XXXX told me that is the way it is, and he would not address the issue at hand. Told me to go ahead and " call the FBI or whoever to handle my complaint ''. 

I called XXXX ( XXXX ), and they also refused to do anything about my complaint about reversing the " HARD '' hit. I have attached their credit report showing the " HARD '' hit on my account. 

I have not talked to XXXX  nor XXXX yet, but can not dispute online for what ever reason. It shouldn't take me 3 hours to get simple answers and get this hit removed. I have got nothing but the run-around whether it was online or on the phone ( except XXXX, they took my complaint quickly and were professional ) I have also attached XXXX and XXXX 's sections of my credit reports showing the " HARD '' hit on my credit report. 

I find hitting my credit reports with a " HARD '' hit when I was only inquiring about rates and fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 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: TX

Complaint narrative:
A collection company, XXXX XXXX is showing opened account date of XX/XX/2018. This is not correct as that is the date the debt was purchased from XXXX XXXX XXXX XXXX XXXX. Additionally the amount is incorrect. I have requested this be corrected but it has not.

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 2018-10-22 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: TX

Complaint narrative:
A collection company, XXXX XXXX is showing opened account date of XX/XX/2018. This is not correct as that is the date the debt was purchased from XXXX XXXX XXXX  XXXX XXXX. Additionally the amount is incorrect. I have requested this be corrected but it has not.

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 2018-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Endpoint Resolution Services (ERS)
State: NH

Complaint narrative:
On XXXX complaint XXXX I filed a complaint with the cfpb about endpoint how they called and spoke to my brother and daughter. In their response dated XXXX the same response they gave the bbb they would stop trying to contact with me. NOT only have they not stopped they are now contacting my ex wife on her house phone and her husband on his work phone. I have been divorced for 26 years. I will be filing a lawsuit if this does not stopped. They put in writing they would stop and they have not! They are in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 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: FL

Complaint narrative:
TransUnion File Number : XXXX. Account Name : XXXX/XXXX. Account Number : XXXX. On XX/XX/2018 I mailed a dispute to TransUnion regarding the credit item mentioned above. The dispute reason was " credit limit inaccurate. '' ( See attached copy of original dispute submitted. ) TransUnion received the dispute letter on XX/XX/2018. ( See attached certified mail return receipt. ) TransUnion provided me with the investigation results on XX/XX/2018 stating the information was " verified as accurate and updated. '' ( See attached copy of TransUnion investigation results. ) Thus, the inaccuracy remains on my credit file. I contacted the data furnisher, XXXX and received a response on XX/XX/2018. In the response letter, the data furnisher acknowledged the credit limit for this account is ( XXXX. ) ( See attached copy of letter from data furnisher. I have highlighted their acknowledgement. ) TransUnion 's investigation results contradicts the response from the data furnisher. Therefore, the credit item must be deleted because it is not 100 % accurate. TransUnion has violated the Fair Credit Reporting Act ( FCRA ). The FCRA does not allow the inaccurate reporting of information on my credit report. A reasonable investigation was not conducted and failing to comply with the FCRA is willful noncompliance. FCRA violations include section 607, 609, 611 and 623. Therefore, if TransUnion does not immediately remove this  account from my credit report, TransUnion will be subject to large monetary fines, plus punitive damages, court costs, and attorney 's fees, as well as complaints to the FTC, Florida Attorney General, and other state or federal agencies.

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 2018-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Hello, I would like to dispute the below transactions : 1 ) Bank of America charge of {$11000.00} XXXX XXXX XXXX For the Cure Visa Signature - XXXX Transaction Date : XX/XX/2018 Claim amount : {$11000.00} Claim ID : XXXX Merchant name : XXXX XXXX XXXX NC. 

2 ) Bank Of America charge of {$5000.00} Major League Baseball World Mastercard -  XXXX Transaction Date : XX/XX/2018 Claim Amount : {$5000.00} Claim ID : XXXX Merchant Name : XXXX XXXX XXXX NC. 

3 ) Bank Of America charge of {$1000.00} Bank Of America Bank Card - XXXX Transaction Date : XX/XX/2018 Claim Amount : {$1000.00} Merchant Name : XXXX XXXX XXXX NC. 

4 ) Bank Of America charge of {$2500.00} Bank Of America Bank Card - XXXX Transaction Date : XX/XX/2018 Claim Amount : {$2500.00} Claim ID : XXXX Merchant Name : XXXX XXXX XXXX NC. 

Total Amount In Dispute : {$19.00}, XXXX Plus Interests Accrued while disputing with Bank of America. 

XXXX was shut down by the Federal Trade Commission ( FTC ) for being a scam and fraudulent company. XXXX was permanently shut down by the receiver on XX/XX/2018. I would like to dispute XXXX  because the merchant ( XXXX  ) had failed to perform based on the agreement and contract we signed. The lifetime access to website training is no longer there. 

The XXXX XXXX that was scheduled in XX/XX/2018 ( a 10 day all expense paid trip ) was also canceled. I tried to contact XXXX, but unable to reach anyone because it was shut down by the FTC. 

Later on, the receiver acted on behalf for the merchant to respond to the bank. The disputed amount was a valid charge but the merchant was unable to perform due to the shutdown. In the same time, I contact Bank of America numerous times to dispute the amount. 

I have provided the official document from FTC, my agreement/contract with XXXX, the receipt from XXXX, and many other supportive documents to Bank of America to  support my dispute. 

The dispute team was very difficult to contact, and the dispute was first denied several times with a warning to stop sending them my claim. I am in distress!

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 2018-10-22 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:
There are three loans from the XXXX XXXX XXXX XXXX on my credit report ( s )  {$7000.00}, {$3700.00}, and {$1000.00}. The loans show incollections/charge-off. But the classes with the XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) were dropped within the first four weeks of the semester for the school year of the loans in question. The money from the loans was all paid to XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). As the classed were dropped the school should have returned the money to the government. These loans were paid to a diploma mill and in fact the school closed prior to the school year of the loans in question endning.

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 2018-10-22 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:
I filed a dispute that was mailed certified and received XX/XX/18 and signed for. I requested to have account XXXX with XXXX XXXXXXXX XXXX validated. Which means a copy of a contract in my name with them. I was never provided this info from Experian, and within 9 days they emailed me to tell me this account was updated. What was updated? The same exact information is there, and how and when was it validated with me? No validation was done, and this is what continues to be done. This is my credit, my life!

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 2018-10-22 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
My identity was stolen after the XXXX Data Breach in XX/XX/XXXX. I discovered this in XX/XX/XXXX when 8 separate accounts were opened with XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX and XXXX XXXX. XXXX XXXX, XXXX and XXXX XXXX XXXX investigated and found that the accounts were fraudulent and they were all removed from my credit report. XXXX removed the account after I told them I would file federal suit against them if they did not but still assigned the debt to a collections agency. XXXX, reinserted the fraudulent account under a separate account number and will not remove the identity theft item from my report. XXXX removed the account from my credit reports. XXXX removed the account from my credit reports but still assigned the debt for collections to an outside third party. A separate collections account from Portfolio Recovery Associates is listed on my credit reports as having a balance of over {$11000.00} for an alleged account I had with XXXX XXXX. I never had an account with XXXX XXXX that was opened in XXXX which they allege using an address of XXXX XXXX XXXX XXXX  XXXX, XXXX, NY XXXX. The Portfolio Recovery Associates account is a result of identity theft and they refuse to remove the account from my credit reports EVEN though I filed six separate supporting police reports along with a formal ID Theft Affidavit with the credit bureaus and Portfolio Recovery Associates. A discover account was opened in my name in XX/XX/XXXX that is a result of identity theft. XXXX  is refusing to remove the ID Theft account from XXXX, XXXX XXXX and Portfolio Recovery XXXX EVEN THOUGH they have been furnished with 3 separate FTC ID Theft affidavits with six supporting police reports and verification of my identity. XXXX  is refusing to remove the Portfolio Recovery Associates identity theft account as well. Somebody also applied for credit in my name from XXXX XXXX XXXX XXXX on my XXXX  report where I could not qualify to even be a member because I have never worked for the federal government.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 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: OH

Complaint narrative:
There is a new hard inquiry on my credit report from CitiBank for an automotive loan that I did not initiate. 
I called CitiBank to dispute and was told they do not have an auto loan dept and would not have pulled my credit. They also stated they could not tell me who did because I do not have an account with them.

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 2018-10-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My identity was stolen after the XXXX Data Breach in XX/XX/XXXX. I discovered this in XX/XX/XXXX when 8 separate accounts were opened with XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX and XXXX XXXX. XXXX XXXX, XXXX and XXXX XXXX XXXX investigated and found that the accounts were fraudulent and they were all removed from my credit report. XXXX removed the account after I told them I would file federal suit against them if they did not but still assigned the debt to a collections agency. XXXX, reinserted the fraudulent account under a separate account number and will not remove the identity theft item from my report. XXXX removed the account from my credit reports. XXXX removed the account from my credit reports but still assigned the debt for collections to an outside third party. A separate collections account from XXXX XXXX XXXX is listed on my credit reports as having a balance of over {$11000.00} for an alleged account I had with Capital One. I never had an account with Capital One that was opened in XX/XX/XXXX which they allege using an address of XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. The XXXX XXXX XXXX account is a result of identity theft and they refuse to remove the account from my credit reports EVEN though I filed six separate supporting police reports along with a formal ID Theft Affidavit with the credit bureaus and XXXX XXXX XXXX. A discover account was opened in my name in XX/XX/XXXX that is a result of identity theft. XXXX  is refusing to remove the ID Theft account from XXXX, XXXX XXXX and XXXX XXXX XXXX EVEN THOUGH they have been furnished with 3 separate FTC ID Theft affidavits with six supporting police reports and verification of my identity. XXXX  is refusing to remove the XXXX XXXX XXXX identity theft account as well. Somebody also applied for credit in my name from XXXX XXXX XXXX XXXX on my XXXX  report where I could not qualify to even be a member because I have never worked for the federal government

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Opened account in 2013. Name on card is using my middle and last name. Attempted x3 to get name corrected, but they never corrected it. However, have been using card since 2013 regularly. 
Suddenly card did not work, so when I called, and was told there may be fraud on account, but can not tell me the charges, nor could I go online anymore to verify my account and charges. I told them I have a credit score of XXXX and want to make sure they do not charge late fees or report my account late if I can not go online, have no statements nor can they verbally verify purchases. Nor did they contact me in any form that there were possible fraud charges. I called them when the card didn't work. They said they had to authenticate me, so I went to a website under their direction, did a video and took a picture of my drivers license, they asked me my date of birth, address and SS # and after all that and 1 hour later, said, oh, we can't verify you, but I could make a payment over the phone. I said make a payment to what?! What are the charges? Still they couldn't tell me the charges. Then they said I could send my drivers license and social security care to a PO box . Geez! Really? I asked for a physical address and was going to send it registered mail receipt requested. I have sent in before my drivers licences but they have not taken care of. Now they have my drivers license and a video but still that was not good enough. Just make a payment to some random charges that may or may not be mine! What difference will it be that I sent my drivers license electronically and then the mail 3 previous times and now a copy of my social security card! They worry about fraud and security but send a copy of my drivers license and social security card through the mail to a PO Box . Now does that make senses? Also, it is illegal to ask for monies for something the consumer is unaware of what the charges are for, this is extortion. They are holding my good credit reputation hostage and pay up or else ...

I want my account unblocked to review the charges, or get a statement of the charges, or verbally be told what the charges are for, then once I verify I will pay for what I am responsible for, pretty simple. But have been on the phone 2 days, recorded calls

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 2018-10-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: TX

Complaint narrative:
I learned over 10 years ago that the Bush Administration passed a law that would allow those with outstanding loan debt forgiveness if they worked int he XXXX XXXX. For ten years I diligently paid my monthly bill so that I would have a blemish on my record. When I hit 10 years I applied to have my loan forgiven. I completed all of the necessary paperwork, provided work history, had my loan transferred from the third party vendor back to the DOE. To my surprise, after my loan was transferred I learned that I was not eligible because i had been on the wrong payment plan for 10 years. Why would a payment plan make a difference? I paid regularly, I worked in the XXXX XXXX, declined job offers from the private sector just waiting for the day that my dedication to XXXX XXXX would assist in the hefty weight of these loans.

Once I discovered that I was ineligible I emailed my representatives in Washington. Not one responded to my particular issue. I got a curt, pre-populated response from one and no response from my senator.

In my opinion the way that this was rolled out and so poorly represented to the public is fraudulent. Not once did my lender inform me of repayment options. When I graduated with my XXXX  's I consolidated my loans because that is what seemed to make the most sense at that time. There was no education about repayment plans and repercussions of not choosing the right ones. There was no re-education once this bill was passed outlining the need to amend my payment plan to ensure eligibility.

Again, fraudulent, frustrating and a let down.

Company response to consumer: Closed with explanation