vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-24 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
The collection account ( XXXX  - XXXX XXXX XXXX ) has  been disputed on many occasions due to negligence of a property managment and mishandling of personal information by the company in the time of stay the lease was legally terminated with all cost expunged. I have continued to dispute this error to get it removed from my credit file but it has been to no avail. I need this issue to be resolved

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 2017-09-24 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Streamline Financial Group, Inc.
State: FL

Complaint narrative:
i already have a reverse mortgage and within the last 5 years married a wonderful woman and wanted to refinance the original mortgage to get my wife on rhe mortgage.what started out as a simple act became very difficult.after i paid {$120.00} to have a counselling session done i was told that i was in trouble with the refi because of some recent credit card problems of mine.they demanded medical records from me for a vehicle accident i had in 2016 that has caused my credit card problems now.i refused to give them any medical records and believe that to be a illegal request, they asked other questions about some timeshares i have when they they have no bearing on this mortgage.for the original reverse mortgage i have dutifully paid the taxes every year as well as up keep as well as house insurance without missing a beat.as i read reverse mortgage that is all that is needed.i will not jump thru any hoops that the laws says i do not have to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I tried yesterday and today to place a 90 day credit alert on Equifax 's website after their lax cybersecurity processes distributed my private information to hackers. Their website just does NOT work! It keeps saying they have a system problem. This is unacceptable. When can I become part of a class action lawsuit against Equifax? The XXXX and XXXX sites work fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Citibank is calling me repeatedly and leaving voicemails. Here are the times/dates they have called me recently : XX/XX/XXXX - XXXX, XXXX, XXXX XX/XX/XXXX - XXXX, XXXX, XXXX, XXXX XX/XX/XXXX - XXXX, XXXX, XXXX, XXXX XX/XX/XXXX - XXXX, XXXX, XXXX, XXXX   XX/XX/XXXX - XXXX, XXXX, XXXX, XXXX XX/XX/XXXX ( today ) - XXXX, XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24 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: IL

Complaint narrative:
I have been going back and forth with Transunion about inquiries on my credit report that were not authorized. I was a victim of identity theft back in XX/XX/XXXX  Someone attempted to get a car in my name on XX/XX/XXXX as well as a XXXX card through XXXX XX/XX/XXXX and something through XXXX XXXX XX/XX/XXXX. The latest thing they applied for was XXXX XX/XX/XXXX. They are telling me I have to contact each individual creditor and have them write a letter stating they will remove them. I dont think I should be the one to do that if I was the VICTIM!! That is unfair to me!! 
Also I bought a carXX/XX/XXXX. I stepped into the dealership with a approval from XXXX XXXX auto financing. There was no need for the car dealership to run my credit!! They ran it anyway and I was hit with 10 inquiries ... why?? I didnt authorize them to run my credit. That was my whole reason for me finding my own financing!! 

Identity theft inquiries are as follows : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX Both XXXX and XXXX have removed said items and Transunion should follow suit. I have now placed a fraud alert on my ssn.
As far as me buying my car and having my own financing to where the car dealership did NOT need to run my credit these are the inquiries from them doing so without my authorization : XXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX This is so unfair to me!! I have called Transunion so many times and I keep getting told to  contact each individual company. Once again its not fair to me if I was the victim of identity theft!! And if XXXX and XXXX both deleted them why come Transunion wont?!!

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 2017-09-24 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: GA

Complaint narrative:
The FCRA states that the only permissible purpose for pulling someone 's credit is for 1 : FIRM OFFER OF CREDIT 2 : INSURANCE 3 : EMPLOYMENT 4 :  COURT ORDER. The following credit inquiries are related to none of the aforementioned permissible. I 've also been a victim of fraud. PLEASE SEE ATTACHED PAPER WORK FROM IRS. THE FOLLOWING fraudulent inquiries are as follows Equifax mortgage 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 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 As you will see some of these where done multiple times. I 'm not understanding how my credit is still allowed to be pulled when I have a fraud alert on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I have an account with XXXX XXXX through Comenity bank. I was making my payments regularly until about XXXX of this year. I feel behind and I have not used the charge card in well over two years. I thought the best option would be to close the account to allow me to make payments and catch up without the late fees and interest charges, that amounted to nearly {$100.00} a month outside of the regular payments. My account was closed per my request in XXXX, however I still continue to have interest fees and late fees added to my account. My current payment is {$320.00} because of it and in the last two months because the interest fees and late fees, my balance is {$400.00} more than it was when I closed my account. How could this be legal? I believe Comenity bank is milking me for money. I emailed the company on XX/XX/XXXX and again on XX/XX/XXXX to let them know I intend to pay the account off but the fees need to stop because my account is closed. How will I ever catch up with the payments being doubled and tripled? Their response was " we are sorry your having problems, call the office ''. So I called and was told that the interest would continue to climb and that the payments I was making was not enough to make a difference. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24 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: NH

Complaint narrative:
Equifax had a derogatory remark on my report from XXXX XXXX XXXX XXXX. This account should have been closed. XXXX  covered 80 % of the bill and I covered the other 20 % ... Just two nights ago I got a call saying I still owed the money and I told them I did not and that I would send them the receipt stating the money was paid. Before I could get the receipt in the mail and send it to them it was reported on my credit report again after months of fighting it and disputing it. This is the second time it has been reported. It was removed and it is now on there again. They sent it to another collection agency and Equifax had no right to put it back on my report. How do I stop them from harassing me? I also thought it was against the law if it is n't a contracted loan on my credit report. I need to know how to stop these people and get them to not put it on the credit report again. Why does Equifax give these people the right to do this to the consumers? And they 're harassing me, calling me late at night and being rude on the phone. Please help me stop these people from doing this to me. This should of been taking care by them, for i had XXXX XXXX insurance by them to pay the bill, and they should have responded to the insurance company. My health is affected by them, I want to sue them and how do I do this. These people need to leave me alone forever and stay away from my credit report. I need to do something about this immediately. Please again, help me.
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Was contacted by synchrony credit in XXXX of XXXX claiming I owed a debt on a hearing appliance. I purchased the XXXX  XXXX and made payments for about 1.2 years ... during this time the XXXX XXXX failed repeatedly and was forced to return them for repair. On the last repair made the company failed to return them to me, I do n't have the appliance and have not received any credits for the failed devices, this debt is not owed as the contract is void for lack of merchandise and canceled..All was automated payments through the bank debit card and not through received statements. 
I never had a contract with Synchrony Bank and when i wrote to them asking for copy of the contract and proof i had received the XXXX XXXX. The XXXX XXXX had to be re molded three times and each time they did not fit, therefore i stopped, and never received the hearing aides. In the meantime this contract was sold to Synchrony Bank and they were not aware of the issue that hearing aides never correctly made and the contract canceled. Synchrony bank had written asking for copy of my bank information so as to charge me for XXXX XXXX i never received, and i refused to send to them because i had no contract with them, never purchased any hearing appliance with them. Then i found out i had bad rating and collection account when applying for loan. I sent them mails with return receipt, they did not respond the credit reporting agencies did not respond. Finally after several years, today i am told after filing another complaint on line with credit reporting agencies that they will not follow through because Synchrony Bank information is correct. I have never had information from Synchrony Bank, they have never answered my request for copy of contract or proof anything was ever sent to me, either through the credit reporting agencies or directly with Synchrony bank. Please advise if i need an attorney or you can help resolve this fairly

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 2017-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
XXXX XXXX my mother quick claim her home to me. I began making payment. which was with a another mortgage co. in XXXX XXXX the home caught fire the insurance co as well mortgage co was notified in XXXX of XXXX the mortgage was sold to another mortgage co which I to prove the deed was signed over to me at that time I could only talk with the department that deal with insurance claims in which I got the run around with the contractor papers. I at that point ask for the home to be paid off in which I submitted a letter at that point they stop talking with me. in XXXX of XXXX I received a call from them asking me if I still wanted the home paid off I ask about the letter I submitted and was told to submit another that one was no longer any good at that point I ask a friend who is a lawyer to contact them in which he did in XXXX of XXXX I found out they indeed paid the home off but never notified me or lawyer I had to XXXX in back taxes in which said mortgage co stated they had been paying the taxes and would take out of money owned to me call friend ask if he would contact mortgage co ask were was the balance owned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Sterling Infosystems Inc.
State: FL

Complaint narrative:
I recently received a background check with Sterling Talent Solutions. I was not properly notified when this background came in and on my report are two incidents that are not accurate as well as incorrect information. In addition, to these issue which took place over 24 and 19 years ago. This information in the first place should have never been included in my report as it is over 7 years old. I have recently filed a dispute with this issue. But the reason for my complaint is that I should have been notified right away if there was a problem as well as this information should not have been allowed to even show on my report even if they say they verified it. I understand the need for background checks but information that is not completely accurate or some what incomplete should not be allowed to be used.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My wife and I have just had a Bankruptcy Chapter XXXX discharged, we attempted to get a used car loan from 2 local ( XXXX ) XXXX dealerships, 1 in XXXX, CA ( Capital One Auto Finance offered a rate of 19.99 % a {$1000.00} down on X/XX/2017. We did n't go that route. 

My second attempt was on the SAME DAY with the XXXX dealership in XXXX, CA XXXX they came back with an interest rate of 26 %, plus {$1600.00} down per XXXX XXXX at the XXXX dealership ( XXXX ) XXXX. 

This is EXTORTION at its BEST without the XXXX ... In America, what the XXXX going on in our Country. I am a Veteran who ran into a difficult period financial, work, suffering through a mild XXXX and now a Bankruptcy. This is what this Country come too!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ECMC GROUP, INC.
State: VA

Complaint narrative:
In XXXX XXXX, I learned from the IRS that my XXXX Income Tax return had been confiscated in the amount of {$1000.00} by a debt collection agency - ECMC working with Premiere Credit in XXXX, Indiana. Prior to this event, I had not been contacted by either agency, ECMC or Premiere Credit. After learning of this event, I contacted ECMC/Premiere and asked for proof of the debt, when the debt was submitted, and who submitted the debt. 

I was informed by ECMC/Premiere Credit that the debt was submitted to them by XXXX XXXX in XXXX XXXX with total outstanding balance of {$17000.00}. I immediately contacted XXXX XXXX Default Recovery Department and it was confirmed by XXXX that no information had been submitted to ECMC for collection and in fact, XXXX does not use that agency for their collection process. 

In XXXX XXXX, I worked with XXXX XXXX Recovery to settle the same debt in which ECMC/Premiere Credit is attempting to collect, based on the information ECMC/Premiere Credit supplied to me. A letter regarding the settlement of the account with XXXX was submitted to ECMC/Premiere Credit. ECMC/Premiere Credit immediately discounted my letter and my  contention that XXXX denies submitting a debt claim to their agency/ My concern, and complaint is that ECMC/Premiere Credit never attempted to contact me, via phone or mail, regarding this alleged debt prior to taking punitive actions. Upon being informed by me that the debt had been settled in XXXX XXXX, I was immediately threatened with a garnishment as their next recourse of action. 

It is my contention that this debt is not owed and the proof ECMC/Premiere Credit provided is a duplicate of a debt that was previously settled with XXXX XXXX Recovery Department in XXXX. XXXX Recover can verify that the debt was settled and satisfied within their recovery process. In addition, XXXX denies submitting any debt owed or information to ECMC/Premiere Credit for collection on their behalf.

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 2017-09-24 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: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
Upon reviewing a recent copy of my credit report from XXXX and XXXX, I noticed inquiries from Santander Consumer USA, that I did not give permission to make. From my knowledge, an inquiry on my report is not allowed unless I give written consent. I am not requesting, but demanding that you remove these unauthorized inquiries from my credit report. According to the Fair Credit Reporting Act, the only permissible reasons for pulling an individuals credit report are as follows : A. A Firm Offer of Credit B. Insurance purposes C. Employment D. Court Order The following inquiries were made in violation of the Fair Credit Reporting Act for the reasons mentioned in the previous paragraphs Santander Consumer USA 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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24 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: ND

Complaint narrative:
I have a XXXX account listed on my Trans Union, XXXX and XXXX credit report that opened on XXXX XXXX, XXXX and was XXXX. My XXXX credit card account has a balance of {$2500.00}, those transactions/charges are all fraudulent and unauthorized charges. The charges do n't belong to me. I have a fraudulent and unauthorized hard inquiry on my XXXX and XXXX credit report. The following hard inquiry is fraudulent and unauthorized : XXXX XXXX/XXXX/XXXX. I Trans Union, XXXX and XXXX to add and list the following phone number to my credit report : XXXX. Creditors is to call me first at either : XXXX or XXXX before approving or extending any credit offer.

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 2017-09-24 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: MA

Complaint narrative:
My son 's personal information was recently leaked via Equifax during their recent data breach. We tried to take advantage of the one year protection plan that Equifax was offering but recieved an error stating that he was ineligable for the offer because he is under the age of XXXX. They offered no additional guidance or help regarding this matter. Because we we 're concerned with the safety of our son 's information, and consequent future, we decided to sign him up under his mother 's name and social on Sunday XX/XX/XXXX. They called on Wednesday XX/XX/XXXX and  proceeded to tell my wife that what we were trying to do was tantamount to fraud and again offered no additional guidance. We cancelled the request for credit monitoring at the advise of the representative from Equifax. I found this approach unacceptable as a XXXX XXXX XXXX should be the first to be protected in a data breach and is the most vulnerable as we are unable to protect or monitor his credit. Again, we were left on our own to figure out what to do on our son 's behalf. Thankfully we found some information on identitytheft.gov that led us down the current path. Equifax offered no guidance or help at all in sorting out the data breach caused by their company 's lax security. They need to be educated or proactive about helping or how to help children that are affected by their recent data breach. The representatives only told my wife that what she did was tantamount to fraud and that we need to cancel the request that we placed for our son. She even put my wife on hold and said that she spoke with a supervisor and that there is nothing that Equifax can do if it is a minor that was affected. Someone needs to train them on how to better deal and guide parent 's of children affected by their XXXX data breach. We we 're more than willing to fill out any necessary paperwork in order to protect our son, however, as stated before, we were told that nothing could be done if it was a minor that was affected. I could hardly believe that they told her mother that she was committing fraud when all she was doing was trying to help her son protect himself from their mistake. This type of guidance or lack thereof is absolutely unacceptable and another tarnish on Equifax as a company. I was very disappointed with the way they handled the situation.

Company response to consumer: Closed with explanation