vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-24 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: KY

Complaint narrative:
I am writing to dispute the following information in my file. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to improve my credit.     I have sent in formal letters to all credit reporting agencies, as well as faxes, and made several phone calls.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  Order The following credit inquiries are related to none of the aforementioned permissible  XXXX   XXXX / XXXX / XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XXXX / XXXX / XXXX    XXXX   XXXX     XXXX / XXXX / XXXX    XXXX   XXXX    XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX  Bank  XXXX / XXXX / XXXX  Please remove these inquiries from my credit report immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In  XXXX , after Hurricane  XXXX  I applied for and granted a forbearance ( Disaster Relief ) by  XXXX . As stated in prior complaints this company is very deceptive, I have been notified by  XXXX  credit reporting agencies that my payments for the three months for forbearance are now being reported as 90 days late. This has tremendously brought down m y credit score. I sp oke with the Ombudsman from  XXXX  who assured me, as well as apologized  XXXX  times. That my credit would in no way be effected, these payments would go on the end of my loan. However, this is not the case. It has also been reported that they were late payments made in  XXXX  and  XXXX  that are not true,  XXXX  said these should have been removed in  XXXX . Looks like that was another lie. I am suffering from  XXXX   XXXX  and the undue  XXXX  of their practices is wearing on me. I think  XXXX  needs to understand everyone is not going to stand for their bad practices.     I would like this resolved ASAP, as I look for another mortgage company to service my needs.

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 2017-04-24 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: FL

Complaint narrative:
In  XXXX , after Hurricane  XXXX  I applied for and granted a forbearance ( Disaster Relief ) by  XXXX . As stated in prior complaints this company is very deceptive, I have been notified by  three  credit reporting agencies that my payments for the three months for forbearance are now being reported as 90 days late. This has tremendously brought down my credit score. I spoke with the Ombudsman from  XXXX  who assured me, as well as apologized 100 times. That my credit would in no way be effected, these payments would go on the end of my loan. However, this is not the case. It has also been reported that they were late payments made in  XXXX  and  XXXX  that are not true,  XXXX  said these should have been removed in  XXXX . Looks like that was another lie. I am suffering from  XXXX   XXXX  and the undue   XXXX   of their practices is wearing on me. I think  XXXX  needs to understand everyone is not going to stand for their bad practices.     I would like this resolved ASAP, as I look for another mortgage company to service my needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 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: FL

Complaint narrative:
In   XXXX  , after Hurricane  XXXX  I applied for and granted a forbearance ( Disaster Relief ) by  XXXX . As stated in prior complaints this company is very deceptive, I have been notified by  XXXX  credit reporting agencies that my payments for the  XXXX  months for forbearance are now being reported as 90 days late. This has tremendously brought down my  credit score.  I spoke with the Ombudsman from  XXXX  who assured me, as well as apologized  XXXX  times. That my credit would in no way be effected, these payments would go on the end of my loan. However, this is not the case. It has also been reported that they were late payments made in  XXXX  and  XXXX  that are not true,  XXXX  said these should have been removed in  XXXX . Looks like that was another lie. I am suffering from  XXXX   XXXX  and the undue stress of their practices is wearing on me. I think  XXXX  needs to understand everyone is not going to stand for their bad practices.     I would like this resolved ASAP, as I look for another mortgage company to service my needs.

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 2017-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.

Complaint narrative:
A debt collection company named  XXXX   XXXX   XXXX  continuously sending me letters during the past  2-3 years  asking me to make a payment of {$660.00} they claimed that I owe Bloomingdales. I have never applied a credit card, or never did I purchase anything that did n't pay at first place in Bloomingdales, so I do n't know where does this {$660.00} come from. What 's even more suspicious is that they asked me for my SSN, and because I was n't aware of how unsafe it can be, I exposed my SSN to them. I have absolutely no idea on how to handle this at the moment, so I am looking for your help. 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 non-monetary relief
Consumer complaint received 2017-04-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX   XXXX   XXXX  Has been reporting since  XXXX  an account for the  XXXX   XXXX   XXXX  over a payment that was between my insurance and the billing department of the clinic. The Clinic was in dispute with the billing company due to over payment and improper billing. When this issue was resolved I received documentation from my insurance company, forwarding a copy to   XXXX   XXXX   to have this removed from my credit report since it was not directly my fault. Instead it was not properly removed by all reporting agencies and updated with   XXXX    on  XX/XX/XXXX .     I was advised this morning that this is still active and not deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I am writing to dispute the following information in my file. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to improve my credit.     I have sent in formal letters to all credit reporting agencies, as well as faxes, and made several phone calls.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance  XXXX   XXXX   XXXX   XXXX  Order The following credit inquiries are related to none of the aforementioned permissible  XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX  Century Mortgage  XXXX / XXXX / XXXX    XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX  Bank   XXXX   Please remove these inquiries from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I am writing to dispute the following information in my file. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to improve my credit.     I have sent in formal letters to all credit reporting agencies, as well as faxes, and made several phone calls.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance  C.   Employment D. Court Order The following credit inquiries are related to none of the afo rementioned permissible  XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX    XXXX     XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX     XXXX   Please remove these inquiries from my credit report immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: KY

Complaint narrative:
I sent money though money gram on  XX/XX/2017    and they wo n't release it and I have been trying to get a refund back and they transfer me to another department and they put me on hold and that has been happening every day and night and no one picks up and I am very tired of the way they are doing me just to get my money back from Money gram and the reference number is  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
We are current customers of  Santander Bank with a HARP mortgage. We have an adjustable credit rate so we wanted to refinance to get a lower, locked in rate. We began the process with Santander because they are already our mortgage holders so we do n't need to go through as many steps. We began the process. We are having an issue current  ly with our credit score. We check our own credit scores and they are in the   XXXX   XXXX   and   XXXX   XXXX  , ( wife and husband, respectively ). However, when Santander pulls out credit they are showing a median credit score  of  XXXX . When asked what bureau they are pulling from, they answered that they have a third party who gives them a different number. This is completely and totally unfair. With their number, we have to pay a higher interest rate, so they make more money over the course of the loan.  With the   XXXX   XXXX   XXXX   numbers,  we would be in the highest tier, thus lowering their overall payout on the loan. This should be illegal. Consumers who are careful with their credit, who monitor their credit scores, and still end up getting the shaft because of a made up system by a bank. Please 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 2017-04-24 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: FL

Complaint narrative:
XXXX   XXXX   XXXX  Has been reporting since  XXXX  an account for the  XXXX   XXXX   XXXX  over a payment that was between my insurance and the billing department of the clinic. The Clinic was in dispute with the billing company due to over payment and improper billing. When this issue was resolved I received documentation from my insurance company, forwarding a copy to   XXXX   XXXX   to have this removed from my credit report since it was not directly my fault. Instead it was not properly removed by all reporting agencies and updated with TransUnion on  XXXX / XXXX / XXXX .     I was advised this morning that this is still active and not deleted.

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 2017-04-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX   XXXX   XXXX  Has been reporting since   XXXX   an account for the   XXXX   XXXX   XXXX   XXXX  ver a payment that was between my insurance and the billing department of the clinic. The  Clinic was in dispute with the billing company due to over payment and improper  billing. When this issue was resolved I received documentation from my insurance company, forwarding a copy to   XXXX   XXXX   to have this removed from my credit report since it was not directly my fault. Instead it was not properly removed by all reporting agencies and updated with    XXXX    on  XX/XX/XXXX .     I was advised this morning that this is still active and not deleted.

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 2017-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received an offe r for a Marriott Rewards Premier  Credit Card from Chase in  XXXX   XXXX . The offer was for a {$200.00} gift card and  XXXX  bonus points after spending {$3000.00} in the first 3 months after opening. I requested the card and met the spending amount within the specified time frame. I received the  XXXX  points as promised, but in looking back at the records, I realized I had never received the {$200.00} gift card.     I called  Chase  on  XXXX / XXXX / XXXX . A person named  XXXX  said that yes, I should have received the gift card. He said that the  Marketing Dept.  would review the offer and to watch for a letter withi n 2 weeks. I   receive a letter dated  XXXX / XXXX / XXXX  ( see attached ) that stated " Upon review we 'd like to inform you there is no offer on the account to receive the {$200.00} gift card. '' I called back to reiterate that I had the original offer in hand, and to ask for the address or fax number to send my written request. On    XXXX   XXXX  ,   I faxed a letter and a copy of the original offer that clearly states the promotional offer in at lea st 5  places on the mailing piece. I then received a letter dated    XXXX   XXXX   XXXX    that says " Update : We are n't matching the promotional bonus offer '' and " we 're sorry, but we wo n't match the promotional bonus offer you asked about. '' There is no reason provided.     This is a clear case of false advertising which benefits Chase. I 've used the card almost exclusively for my purchases, and now I am paying an {$85.00} annual fee. This complaint is to hold Chase accountable and to hold up its end of the agreement. Thank you for your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-24 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: TX

Complaint narrative:
I have a debt on my credit report that has been paid. But it has not been removed from my credit report. The debt collector  Credit Management Control  has sent the proper information in to remove the debt but it has not been removed from my credit report. I would like for this debt to come off my credit report. I am going to provide the proper information for this debt to be removed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
My mother purchased a car back in  XXXX  for a   XXXX   XXXX  . Her interest rate is 9.94 % for 75 months with payments at  XXXX . She made her payments and in  XXXX  she made a lump sum payment of {$18000.00} dollars and you would think that would have lowered her monthly payments, but no,  XXXX  says that they have to be told to apply the payment so that they could lower the payment. We tried to get them to lower the payment and they say she has to pay {$2000.00} in order for them to do that. The term of her loan is ending and she still owes {$8000.00}. Talking with their customer service department, they have been charging her a daily charge of  XXXX  that is not stated in her contract. I have copies of the contract and her payment history that is attached. Customer Service Reps/Managers have not returned my calls/messages.

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 2017-04-24 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: VA

Complaint narrative:
XXXX  I am NOT   XXXX   customer.     I am not   XXXX   customer and I do n't remember I ever registered with   XXXX   IF I did I do n't think I will share with   XXXX   with my personal information like " STUDENT LOAN THINGS with  XXXX .       XXXX   provided my personal financial information a widely with third parties without my permission.     I contacted   XXXX   this mornin g (  XXXXX 2017 ) to dis pute all my credit history from his page. " When I Contacted  XXXX  and requested a dispute my credit report,   XXXX   asked me security question " like how much student loan do you have, and who is the loan provider?     The  XXXX  NOT my student loan lender, this not   XXXX    business, an d again I do n't remember I did share my student loan information with   XXXX  , again I dont want to share my student loan information with  XXXX  so I refused to answer  XXXX  's security QUESTION which related to with my personal financial informations. And   XXXX    sa id " if you do not provide how much student loan do you have and than we will NOT dispute your credit report. ''  XXXX   I  am NOT   XXXX   customer.     The company did provide my credit information to the third parties without my authorized signature/ without asking me. I request   XXXX   to dispute my credit history from the   XXXX   website.     EXPERIAN  I a m EXPERIAN customer.     I am request EXPERIAN to dismiss my OLD credit history from his webpage. Especially olds  XXXX  NO good for my future business.     EXPERIAN provided my credit history to third party without notifying me which have been impacted my business pretty deeply.     SO I request EXPERIAN to contact me first before provide my credit history to THIRD parties

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 2017-04-24 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: VA

Complaint narrative:
XXXX   I am NOT   XXXX   customer.     I am not   XXXX   customer and I do n't remember I ever registered with  XXXX , IF I did I do n't think I will share with   XXXX   with my personal information like " STUDENT LOAN THINGS with  XXXX        XXXX   provided my personal financial information a widely with third parties without my permission.     I contacted   XXXX   this morning  XXXX   XXXX   XXXX  to dispute all my credit history from his page. " When I Contacted  XXXX  and requested a dispute my credit report,  XXXX  asked me security question " like how much student loan do you have, and who is the loan provider?     The   XXXX   NOT my student loan lender, this not   XXXX    business, and aga in I do n't remember I did share my student loan information with   XXXX  , again I dont want to share my student loan information with   XXXX   so I refused to answer   XXXX   XXXX   security QUESTION which related to with my personal financial informations. And  XXXX  said " if you do not provide how much student loan do you have and than we will NOT dispute your credit report. '' TRANSUNION  I a m NOT TransUnion customer.     The company did provide my credit information to the third parties without my authorized signature/ without asking me. I request TRANSUNIION to dispute my credit history from the TRANSUNION website.      XXXX    I am  XXXX  customer.
I am request  XXXX  to dismiss my OLD credit history from his webpage. Especially olds one NO good for my future   business.      XXXX  provided my credit history to third party without notifying me which have been impacted my business pretty deeply.     SO I request   XXXX   to contact me first before provide my credit history to THIRD parties

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