vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-01 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 have contacted Transunion to get unauthorized inquiries removed from my report, I was told to contact the company who initiated it .... The company then told me that since there was no file / account with them that they had no record and could n't assist in the removal process. 

I received a copy of my credit report and the credit report show credit inquiries that I do n't 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 these inquiries removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order These are the unauthorized inquiries I discovered on my report, please remove them immediately as my consent was not given for them to access my information. 

XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I received a phone call from XXXX XXXX stating that I owe {$820.00} to a loan company called XXXX XXXX XXXX. The representative I spoke with did not provide me with a disclaimer stating this is an attempt to collect on a debt and she also recorded the call without providing any notification that the call was being recorded. She stated that this account was still on my credit report and that it had not been paid. I advised her that this account was no long on my credit report and the information she provided to me was inaccurate. The representative proceeded to tell me that I filed bankruptcy in XX/XX/XXXX which is also incorrect. I filed bankruptcy in XX/XX/XXXX. Then the representative proceeded to tell me that I opened the account in XX/XX/XXXX however the account was actually opened in XX/XX/XXXX. I repeatedly advised her that the information she was provided to me was inaccurate and she continued to repeat that I still owe the debt. Said representative proceeded to tell me about other companies that are sister companies to her company that I had filed bankruptcy on previously. She received my updated information through a current loan application with a company that is also her sister company that I was unaware of. I did not give permission for my personal information to be shared with this collection agency or any other outside source. I have disputed this information before and they have continued to keep it on my credit report. The information that I was provided by the collection agency was as follows : an account number, which does not match my credit report, XXXX. The account number that is on my Trans Union credit report is ending in XXXX with an open date of XX/XX/XXXX. There are five additional accounts from the same collection agency that have been removed from my credit report that were included in bankruptcy back in XX/XX/XXXX. There is one account that was also included in bankruptcy that has still not been removed that I have repeatedly disputed. XXXX XXXX agency is in violation of the FCRA and FDCPA. I was also told that if I wanted to dispute this account that I must come in person to address XXXX XXXX. XXXX XXXX in XXXX XXXX Oklahoma which is also incorrect. I have since received another phone call from the same collection agency on XX/XX/XXXX from a representative by the name of XXXX XXXX XXXX XXXX  cst in which I have a voicemail recording of. Previous complaint from XX/XX/XXXX went unanswered by XXXX. XXXX has also continued to run a credit check several times without my consent.

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 2017-12-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NY

Complaint narrative:
My last initial payment owed to AES was XXXX. I payed them sometime in early XX/XX/XXXX like on the XX/XX/XXXX or the XX/XX/XXXX in the amount of XXXX dallors. They only applied about 60 dallors and when I asked why they said I have to pay interest, which made no sense. Interest accrues every month and according to a statement that had my interest it explained that its 6 percent for the year, which I surely dont believe they acounted me for. I disputed this reaction with my bank who saw through the deceit since I provided images to support my claim and they rewarded me back my XXXX dallors. Now, AES is saying Im 26 days past due and claiming my loan is delinquent. Can someone resolve this?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
The amount of money XXXX claims I owe is incorrect. The balance is more than it should be. The information needed for the modification was timely submitted, yet now XXXX is saying they do n't have everything. I started with a realtor just in case my modification was not accepted, and I also have an investor to buy the property because I did not want a foreclosure on my record since then I can not get an apartment or any rented home. I 'm asking that I get at least an additional 30 days for them to review my modification or time to complete the short sale process. I received a letter stating that it was in review and now they are stating that they need an additional 30 days to review the package, but they ca n't stop the sale until then. Please help me in getting some extended time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 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: Nelnet, Inc.
State: OK

Complaint narrative:
Through dept of education Nelnet I have three separate accounts that are all showing delinquent on my credit reports. All accounts have been placed in deferment and also challenged several times with no response. Due to the school attended when receiving such loans they were to be discharged due to inaccuracies from the school. I have filed out discharge paperwork three times with the dept of education directly, as instructed, and advised each time I call Nelnet that they have not been notified. This has caused me to be unable to return to school and ruined my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
Frustrating to get a hold of any one to do a loan modicationi believe i got bad loan. home depot failed to properly process and underwrite home mortgage loans backed by the U.S. Veterans Administration. Bad underwriting often results in higher than average default rates. When that happens, both taxpayers and veterans lose like myself. please help me get loan modification.i believe i got bad loan. XXXX XXXX failed to properly process and underwrite home mortgage loans backed by the U.S. Veterans Administration. Bad underwriting often results in higher than average default rates. When that happens, both taxpayers and veterans lose like myself. please help me get loan modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
For some reason, XXXX XXXX XXXX has not sent me proof of my obligation to the alleged debt as requested and continues to report this trade-line to two of the three major credit bureaus. This is creating major issues for me such as higher interest rate, a lower credit score and rental application rejections for an outstanding balance owed. 
I disputed this account in XX/XX/XXXX on my XXXX  and XXXX reports to no avail. I also disputed directly with XXXX XXXX XXXX in XX/XX/XXXX. To date XXXX XXXX XXXX continues to disregard my requests and ignore my consumer rights. 
I believe this account does not belong to me. I requested the documents from their files used to verify this account but all I received was a billing statement from the original creditor. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting on my credit report. All unverified and unvalidated accounts must be deleted. 
Who verified this account? What documents were used to verify? Are these charges valid? The only correspondence that I received was a letter stating that I owed this debt and a billing statement ( this item does not qualify as verification per FCRA ). This company is in violation for continuing to verify the account with the credit bureau without properly validating or providing the evidence as requested. It is my contention that XXXX XXXX XXXX know that they can not tie me to this alleged account, otherwise they would have done so at my initial request. XXXX XXXX XXXX  is blatantly disregarding the law.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 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: OK

Complaint narrative:
Through XXXX XXXX XXXX XXXX I have three separate accounts that are all showing delinquent on my credit reports. All accounts have been placed in deferment and also challenged several times with no response. Due to the school attended when receiving such loans they were to be discharged due to inaccuracies from the school. I have filed out discharge paperwork three times with the XXXX XXXX XXXX directly, as instructed, and advised each time I call XXXX that they have not been notified. This has caused me to be unable to return to school and ruined my credit.

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 2017-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
This is XXXX XXXX US bank Custormer. 

1. My friend, XXXX XXXX XXXX, sent money ( {$1700.00} ) by international wire transfer for me from XXXX XXXX XXXX, XXXX to US bank on XX/XX/XXXX 2. However she provided wrong Beneficiary A/C No. along with my full information to XXXX XXXX XXXX. So I could not receive any fund. My A/C No is XXXX and wrong A/C No is XXXX. 

3. In this regards, I confirmed there is A/C mismatched, and My friend requested XXXX XXXX XXXX to return the fund from US Bank. 

4. US bank replied to XXXX XXXX XXXX, XXXX by XXXX message as of XX/XX/XXXX as following ; " Be advised. We are unable to obtain debit authorization from XXXX. 
So we have to deny your request. Please have remitter contact the XXXX directly to settle. We close our case '' 5. Even the wrong account holder is NOT match the Beneficiary information such as NAME, ADDRESS, and PHONE NUMBER.

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 2017-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams & Fudge, Inc
State: GA

Complaint narrative:
I had no knowledge of this debt until I tried to get a copy of my transcript. It was not on my credit report, and it was months before they could even locate my information to tell me a balance. I called the finance office at XXXX and all they could tell me was I had a balance but had no knowledge of an amount in their system. They told me to contact the listed collection agency, and when I called the collection agency repeatedly they also had no knowledge of this debt nor my information in their system. No one could tell me anything. Weeks later the collection agency called and just gave me a balance with no explanation and a week after that it appeared on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BB&T CORPORATION
State: PA

Complaint narrative:
My Acount make my creit score very low I think I should have good Creit by now

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 2017-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
COINBASE COMPANY based in XXXX XXXX sells cryptocurrencies, It will allow you to buy currencies such as LiteCoin, Bitcoin and Ether but will lock your account when it is time for you to withdraw your funds. I have tried to validate my identity to COINBASE and successfully uploaded my driver 's license with the CORRECT INFORMATION INCLUDING the address but it insists that it can not validate it after I have accurately answered all the verification questions. They are holding my funds. This company should have completely validated the users first prior to allowing them buy crypto currencies so that there no funds withheld if can not be validated. 

This is a pure deception and fraud where they allow you to buy but will put restrictions on your funds that is deposited to their organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 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: National Processing Group LLC
State: CO

Complaint narrative:
XXXX Inquiry from XX/XX/XXXX - Misc. 
This inquiry could stay on my report until XX/XX/XXXX. 

XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX The above information was found on my credit report regarding a company I do NOT recognize. They made a hard inquiry on my credit somehow and I want it removed immediately.

Company response to consumer: Untimely response
Consumer complaint received 2017-12-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I lost {$30000.00} in wages earlier this year and requested a loan modification with my mortgage company, Wells Fargo. It took them almost 5 months to process this request and get approved. They dropped my monthly payment by {$20.00} dollars which obviously was not enough so I could not make my trial payments and still could n't afford the payments. When I got back into a position where I was making more money I contacted Wells Fargo again and informed them of this and asked what I could do to bring the loan current. I was told I had 30 days to come up with {$10000.00} or they would foreclose on the house. I contact our State 's department of Finance who contacted them on my behalf. I received a letter from them on XX/XX/XXXX that they were going to see what they could do to help me. The very next day I was served with Foreclosure papers. That had been filed with the court on XX/XX/XXXX to be served the day the money was due. So they continued on with the Foreclosure process although they had told me they would give me the 30 days to come up with the money. Upon receiving the foreclosure court documents I contact them again at the executive branch number that was given to me when I was contacted about the state department of finance contacting them. I spoke to one representative who was not helpful and could not tell me what was going on with my case but took down info and assured me my case worker would call me that same day as it was my only day off. I received No phone call. I called again on XX/XX/XXXX and left him a voicemail with name, best number to reach me at, and that I would appreciate him calling me back before XXXX as that is when I needed to leave for work. I have provided a more detailed account of my issues with Wells Fargo in the supporting documents

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 2017-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
CAP ONE AUTO XXXX The basis for my dispute is ALLEGED balance of $ XXXX was required to notify me prior to XX/XX/XXXX, or no later than 30 days after CAP ONE AUTOfailed to notify me about reporting derogatory info. to XXXX, XXXX In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative derogatory 30, 60,90,120, 150, CO information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. 


Also, CAP ONE AUTO '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of LA allows treble damages. 

Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) CAP ONE AUTO failed to send me my initial communication before placing this alleged derogatory 30, 60,90,120, 150, CO status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve, also Capital One 's deletion letter for all credit bureaus CAP ONE AUTO is held liable as well for defamation and in the state of LA a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX ( Tex.App-XXXX XXXX XXXX reh.den. ) citing XXXX v. XXXX XXXX XXXX XXXX ( Tex.App-XXXX XXXX writ dism 'd w.o.j. )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX The basis for my dispute is ALLEGED balance of $ XXXX was required to notify me prior to XX/XX/XXXX, or no later than 30 days after XXXX XXXX XXXXfailed to notify me about reporting derogatory info. to Equifax, XXXX In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative derogatory 30, 60,90,120, 150, CO information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC 9.501 that all  notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. 


Also, XXXX XXXX XXXX '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of LA allows treble damages. 

Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged derogatory 30, 60,90,120, 150, CO status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve, also XXXX XXXX 's deletion letter for all credit bureaus XXXX XXXX XXXX is held liable as well for defamation and in the state of LA a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX ( Tex.App-XXXX XXXX XXXX reh.den. ) citing XXXX v. XXXX XXXX XXXX XXXX ( Tex.App-XXXX XXXX writ dism 'd w.o.j. )

Company response to consumer: Closed with explanation