vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-20 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: AZ

Complaint narrative:
Via certified mail, I have sent two requests, on XX/XX/18 and XX/XX/18, to Transunion requesting proof of validation of various accounts noted on my credit report. The responses I keep receiving are that the items have been updated or verified as accurate without providing me with proof of validation. I have also requested Transunion 's method of verification which went completely ignored. I personally contacted the creditors requesting validation in which I received no documentation to even prove that the accounts belong to me. I need to not only see the paperwork that backs up their opinion that Transunion 's is accurate, but I also need to see a detailed report that goes over the methods and procedures used during the investigation. I need to know how Transunion performed an independent investigation instead of just telling me what the creditor stated. I feel that Transunion not only failed to conduct a proper investigation, but also failed to provide their method of verification as well. 

The following accounts are the accounts in question found on credit report # XXXX issued on XX/XX/18 : XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX ( X3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( X4 ) XXXX XXXX XXXX XXXX/XXXX   XXXX/XXXX XXXX/XXXX  XXXX XXXX/XXXX XXXX   XXXX/XXXX  XXXX/XXXX XXXX/XXXX  XXXX XXXX/XXXX  ( X2 ) XXXX XXXX/XXXX XXXXt 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 2018-12-20 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: MO

Complaint narrative:
There's unknown and unauthorized inquiries on my credit report inwhich I did not consent to therefore I would like them removed immediately, and if these companies can not give me physical documentation of such then as stated within the FCRA law, the following inquiries shall be deleted/ removed. ( 1 ) XXXX  XXXX XXXX XXXX , XXXX, XX/XX/XXXX, ( 2 ) XXXX XXXX XXXX XXXX, XX/XX/XXXX, ( 3 ) XXXX XXXX XXXX XXXX, XX/XX/XXXX, when I spoke to the XXXX XXXX she said since it was a XXXX voice that's all that matters, un acceptable excuse.

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 2018-12-20 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX  ( ORIGINAL CREDITOR : XXXX XXXX HOSPITAL XXXX ) XXXX was fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report

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 2018-12-20 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: MO

Complaint narrative:
There's unknown and unauthorized inquiries on my credit report inwhich I did not consent to therefore I would like them removed immediately, and if these companies can not give me physical documentation of such then as stated within the FCRA law, the following inquiries shall be deleted/ removed. ( 1 ) XXXX XXXX XXXX XXXX , XXXX, XX/XX/XXXX, ( 2 ) XXXX XXXX XXXX XXXX, XX/XX/XXXX, ( 3 ) XXXX XXXX XXXX XXXX, XX/XX/XXXX, when I spoke to the XXXX XXXX she said since it was a XXXX voice that's all that matters, un acceptable excuse.

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 2018-12-20 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: EQUIFAX, INC.
State: AR

Complaint narrative:
This issue is an existing problem which EQUIFAX wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were  sent timely on the accounts and were never late..CFPB step up and fix this error XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-20 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am filing this complaint because Experian did not help me remove the accounts after so many attempts of writing dispute letters.. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XX/XX/XXXX/XX/XX/XXXXXXXX

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 2018-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am trying to lift a security freeze that was placed with Experian. When I placed the freeze I was told that a PIN would be mailed to me. That never arrived. Now I want to lift the freeze, because I need to apply for an apartment lease. 
I have made many time-consuming phone calls to Experian trying to resolve this, and have repeatedly been given repetitive, illogical and unhelpful advice. 
First I was told I could retrieve my PIN by entering my personal info into their website ( www.experian.com/freeze ). When I received messages saying that the information I entered was incorrect, I was told to wait 24 hours and try again. I did this repeatedly, very carefully verifying that the information I entered exactly matches what they have on file for me. 
So I asked that they send by post another copy of the PIN, and was assured one would be sent. After waiting a couple weeks I called back, and was told there was no record of my ever requesting my PIN or that one would be sent. I requested the PIN again, and this time I did receive it by mail. 
I tried to use this PIN, both via web and by phone, and again received the message that my freeze could not be lifted based on the supplied information. Nobody I have spoken to has been able to explain why this is the case or offer any hope for resolution. Everything I am being told now by Experian is apparently intended to make my try the same things over and over until I give up and leave the security freeze in place forever. Meanwhile I am hampered in my ability to apply for credit, and more importantly to apply for housing for my family ( as we are moving to a new city ).

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 2018-12-20 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: NV

Complaint narrative:
This issue is an existing problem which Equifax failed to resolve.. Their investigation did not prove the bankruptcy is mine. They said they have verified it but did not give details on how their investigation went.. The courts don't report public records to credit bureaus..CFPB step up and remove this error Bankruptcy : Discharged CH-XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am filing this complaint because Experian did not help me remove the account after so many attempts of writing dispute letters.. I asked for evidence, any documentation that could prove the account as my responsibility but they didn't..CFPB step up and remove student loan XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
The person who helped me with navient, instead of helping me lower monthy payments told me it was a better idea to use forebearance or deferment. Happened the 2nd time I did it as well. Both times I was told my loans would be placed on hold. However, they still accrued interest. I have tried getting monthy amount lowered but they said they can not go any lower and I can not afford that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Netspend Corporation
State: NV

Complaint narrative:
XX/XX/XXXX Netspend sent a charge back from an online gaming website for XXXX XXXX  for XXXX XXXX {$10.00} XX/XX/XXXX deactivated account through XXXX XXXX XXXX ( XXXX  ) for won charge back at that time I had paid XXXX and cash XX/XX/XXXX Netspend credit {$5.00} for XX/XX/XXXX XXXX  coins XX/XX/XXXX complaint about money left on account XX/XX/XXXX {$110.00} credit Netspend XX/XX/XXXX XXXX  XXXX XXXX {$280.00} credit I had 2 prepaid account through XXXX and was unaware of the multiple transactions from XXXX XXXX XXXX XXXX I recently received $ XXXXcredit from XXXX for partial from XXXX I went to Netspend requested remaining balance on XX/XX/XXXX XX/XX/XXXX Netspend decision was because it was after 60days I can't do anything that unfair this website is aware of my complaint of the unauthorised transactions and not dispute the refund its Netspend were my account is i haven't dispute charge back with XXXX  XXXX XXXX with XXXX I don't understand if the company is will refund why can't the company i trusting my Money with didn't notice these multiple transactions I don't receive monthly transactions please help on what is it that I need to do I can't let this company just keep my earned hard money thank you 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 2018-12-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ZARVAD III S.A.
State: SC

Complaint narrative:
I XXXX applied for a payday loan with MyPaydayLoan.com. I never spoke to a representative to finalize it yet they deposited the money anyway. I emailed them and asked that they not, but they did. So I figured I would get it paid off. {$300.00} was deposited into my checking account and I have paid {$90.00} to date. I revoked automatic withdrawal of payments and MyPayDayLoan.com refused to provide me with a mailing address to mail payments. Today I received a threatening email from MyPaydayLoan.com. I can not access any information about my account. I can not make any payments. I can not find any mailing address. This is a predatory scam. I want this stopped. I owe {$210.00}. I will pay {$50.00} bi-weekly starting XX/XX/XXXX MyPayDayLoan will remove any negative reports against me via my SSN. MyPaydayLoan will provide me with an address where I can send payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX went to XXXX XXXX XXXX fuel on XXXX XXXX XXXX XXXX, insert membership and the American Express Bluebird PrePaid card. The card came back with a declined. I was confused went to check app for balance and the app was not working. I left without gas and got gas later that day at XXXX XXXX with no problem. Checked my balance later and was shocked to see XXXX on the hold. I call Amex furious, the said 24-48 hours and the hold will drop. Not the case as I write this memo the funds are still on hold as of XX/XX/XXXX. Why must my XXXX be on hold as a hostage HOLD. I did not receive the goods of fuel. Contacted XXXXXXXX XXXX XXXX twice to the matter no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I've been dealing with navient for the last 12 years trying to get my payments down am I lying down the amount on my loan is the same amount from the day1. I took out a loan in XXXX for XXXX this is XXXX the amount I owe is still XXXX I've been paying {$200.00} a month every month. I stopped paying them about a year ago because I couldn't afford it anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P.
State: IL

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX a debt collection agency by the name of " CREDIT PROTECTION '' has reported on my credit in collections that I owe two amounts to the original creditor " XXXX XXXX XXXX XXXX ''. The amount balance for the XX/XX/XXXX is {$180.00} and the amount balance for the XX/XX/XXXX is {$89.00}. I have attempted to contact the collection agency to remove these inaccurate accurate accounts from all 3 credit reporting agencies and I have not received any response. Please advise that I do not owe this and this is not my debt. They do not meet FCRA guidelines and I have gotten calls and voicemails during work hours when I am on the national do not call list. This is illegal.

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 2018-12-20 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: CO

Complaint narrative:
I had a credit card with first XXXX XXXX  where I had remained steady on payment s up to a few months ago I had noticed a credit card from XXXX XXXX that had over a XXXX charges. I had never opened the card and we had tried calling to dispute but they would hang up. I ended up paying in full and on my credit reports both accounts were listed as account closed by them. Now they are listing these accounts as open and with balances. How can they add money to cards closed. I never once seen a bill from them and I tore up the credit card. I can sow you bank statements and my old credit report which shows accounts closed and written off. Please I need help since they are ruing 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 2018-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/2018, I began the process of applying for a Citibank regular checking account and a Citi savings account. I applied as part of a promotion, which required me to maintain {$15000.00} in one or both accounts for 60 days in order to receive a bonus of {$400.00}. The bonus was supposed to post within 90 days of meeting that requirement. 

I deposited {$15000.00} on XX/XX/XXXX and left the money in place for over 60 days. ( 60 days was reached on XX/XX/XXXX and I transferred {$5000.00} out of Citibank on XX/XX/XXXX. ) On XX/XX/2018, 90 days had elapsed since meeting the 60-day requirement, and the {$400.00} bonus had still not been posted. I contacted Citibank customer service, who said they were initiating an inquiry. 

I have read a number of reports online from other individuals who had similar experiences and did not receive their promised bonus until they filed a CFPB complaint. Hence I am filing this complaint rather than waiting any longer on Citibank 's investigation. 

I am uploading several documents. One is the transcript of a chat I had online with a Citibank agent, confirming that the promotional offer is attached to my account. Another document is a PDF containing the terms of the promotion. Finally, I am uploading screenshots of my bank account, showing that I have fulfilled the terms of the promotion.

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 2018-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: DC

Complaint narrative:
On XX/XX/2018 the senior loan processor handling my refinance contacted Rushmore Loan Management services requesting a payoff quote for XX/XX/2018. Rushmore did not respond. The loan processor then submitted additional requests that were ignored. On XX/XX/2018 I contacted Rushmore by phone to request a payoff for XX/XX/18 and was told that it would be sent by fax to the loan processor and to me by mail ... it was not. XX/XX/2018 I contacted Rushmore again and was told it would take 24 to 48 hours, then told 3 to 5 days. and told a manager would put a rush on the request and it would be faxed within 24 hours ... it was not. On XX/XX/2018 I contacted Rushmore to find out why they had not sent the payoff quote was told it would be faxed within the day ... it was not. I was supposed to close on my refi on XX/XX/2018 and was not able too, it was rescheduled for XX/XX/2018. On XX/XX/2018 I contacted Rushmore and was told again the same lies. The payoff quote was not faxed again to my loan processor. XX/XX/2018 at XXXX XXXX  and XXXX XXXX I was told that the payoff quote would be faxed to my loan processor within an hour by and consumer service person and a manager. It was not sent. During this entire time the loan processor continued to contact Rushmore and had similar results as I had. The processor from the title company handling the closing also attempted to obtain a payoff quote from Rushmore with no success. Today, XX/XX/2018 I am suppose to close for the second time but can not because Rushmore will not send a payoff quote, I am beyond frustrated and concerned that the date on this loan is going to expire and I will have to get a new loan and the interest rate will be higher. Rushmore is causing me financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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: NJ

Complaint narrative:
Good morning, I am currently serving in the United States XXXX XXXX and have been for 16.5 years. I am attempting to get a home loan. My XXXX children and I are living in a hotel while we wait for the below issue to be resolved. No one has been able to remove the information from my account. It is causing a serious hardship for my family. 

I had a loan account open from XXXX XXXX with an account number of XXXX. The account was showing late for the months of XX/XX/2018 and XX/XX/XXXX-XX/XX/XXXX. I have made the same account payment for years and was never reported as late on my credit report. I contacted XXXX and identified the issue. Nothing was done on their end and on or about XX/XX/XXXX, I submitted a dispute to Experian, XXXX  and XXXX. On XX/XX/XXXX, I received back the dispute and nothing was changed on my credit report between last Tuesday and today ( XX/XX/XXXX ) when the bureaus refreshed. I spoke with XXXX on XX/XX/XXXX and they notified me that codes were imputed into the system to let the credit reporting agencies know that I was not late and it should not be reported as such. XXXX has made the change in their system and notified the companies according to the agent however, it is not reflecting on my report.

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 2018-12-20 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
On XX/XX/2018 I began a loan with XXXX  ( XXXX XXXX XXXX ).  I made my first $ XXXX+ payment on XX/XX/2018. The loan was supposed to be a 5-month title car loan. I HAVE MADE FULL PAYMENTS EACH MONTH since XX/XX/XXXX via the company 's mobile app. Occasionally I would receive calls from vendor, but rarely responded to their messages, as I was told at the beginning of loan by XXXX and XXXX that courtesy calls for payment reminders are generally made. On Saturday, XX/XX/2018 I spoke to a XXXX at the store and tried to explain to him I had never missed a payment and would come in and discuss the issue with him. I told him at the time I was ill ( had just been involved in a XXXX  car accident in Washington DC on business ). On Wednesday, XX/XX/2018 at approximately XXXX XXXX, I discovered a tow truck in my garage loading my car up. My husband and I immediately ran out, to no avail, as the guys liading the car were not aware of the payment details. I am so distraught, as I know I am in the right and have made copies of all my bank statements for past few months with all payments indicated, as well as copy of XXXX   's mobile app payment history, noting each of my payments.

Company response to consumer: Closed with explanation