vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CRESCO CAPITAL INC.
State: FL

Complaint narrative:
On XX/XX/2019, my XXXX XXXX was repoed due to miscommunication. I've been leasing with Cresco capital since XX/XX/2019, never had any major issues with my case manager XXXX. In XX/XX/2019, my truck broke down with electrical issues. After the big breakdown, there was another case manager assigned to manage my case ( XXXX, XXXX  ). Soon as I took the truck to the XXXX  shop for repairs, I contacted her immediately to update her on the breakdown of the truck. Gathered all information on the cost of the repairs, which totaled out to {$3200.00}. She automatically assumed I couldn't afford the cost at the time and called the dealership to hold all repairs until money was payed up front. Due to the delay of her phone call, my truck has been down for 3 weeks ( almost a month ). I asked to speak with her supervisor in order to get to a solution with payment and the breakdown. She gave me a hard time for two weeks straight into speaking with someone of this matter. After I've paid the {$3200.00} in repairs, I kept calling trying to do a payment arrangement due to bank change information. I really wanted to speak with someone else in this time of need. All I wanted was to make my payment after a {$3200.00} fix on the truck plus {$220.00} for new brake drums. No one was willing to get in contact with me until the last minute ( emails but no calls ). No calls were made at the time to resolve any issues. Soon as I logged in to make payment on the truck XXXX locked me out of my account until the tow truck picked up the truck. She told me they will give me a call and still no calls were given.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 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: AL

Complaint narrative:
I have several accounts on my credit report that do not belong to me. Ive asked the bureaus on 4 different occasions to provide accurate validation of the claims, debts, and inquiries affecting my credit and theyve failed to comply with the FCRA by doing so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-08 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: AL

Complaint narrative:
I have several accounts on my credit report that do not belong to me. Ive asked the bureaus on 4 different occasions to provide accurate validation of the claims, debts, and inquiries affecting my credit and theyve failed to comply with the FCRA by doing so.

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 2019-12-08 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent and call Transunion about my credit report 3 times, dispute and they have refused to address my concerns, - Certified letter and e-mail- phone call- The information on the account was paid in full showing 3 different accounts numbers. 
dispute inaccurate, incomplete, outdated and unverifiable items with all three national credit bureaus. ( XXXX, XXXX  and TransUnion ), but Transunion refused to address my student laon.

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 2019-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
the wrong address - an address i never lived at - is on my credit reports and associated with a number of my accounts. somehow???? several of my accounts became associated with my ex-husband 's address. i keep trying to get this sorted out with the credit scoring companies - XXXX, XXXX  and transunion - but they say they can't update address until reporting companies fix address -- - the address has been fixed on all accounts that i am aware of / that are legitimate. but for the accounts that are NOT legitimate - i can't dispute the account because the credit company sees the ( wrong ) address reported by credit agencies .... so i am in a catch-22. my credit is destroyed because credit agencies have wrong address  associated with my name - bills i have never received / don't know about -- and i can't get information corrected - so the problem will never end. this results in me getting turned down for jobs, loans, mortgages, credit lines ... ruins my life. but not my fault. PLEASE HELP ME. 

XXXX, XXXX  and trans union also have several variations of my name that i have never used associated .... and some credit inquiries that i have never authorized. these can not be disputed with the reporting agencies - so it will never be resolved. again - this destroyed - continues to destroy my credit. please help me.

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 2019-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
the wrong address - an address i never lived at - is on my credit reports and associated with a number of my accounts. somehow???? several of my accounts became associated with my ex-husband 's address. i keep trying to get this sorted out with the credit scoring companies - XXXX, equifax and XXXX  - but they say they can't update address until reporting companies fix address -- - the address has been fixed on all accounts that i am aware of / that are legitimate. but for the accounts that are NOT legitimate - i can't dispute the account because the credit company sees the ( wrong ) address reported by credit agencies .... so i am in a catch-22. my credit is destroyed because credit agencies have wrong address associated with my name - bills i have never received / don't know about -- and i can't get information corrected - so the problem will never end. this results in me getting turned down for jobs, loans, mortgages, credit lines ... ruins my life. but not my fault. PLEASE HELP ME. 

equifax, XXXX  and XXXX XXXX also have several variations of my name that i have never used associated .... and some credit inquiries that i have never authorized. these can not be disputed with the reporting agencies - so it will never be resolved. again - this destroyed - continues to destroy my credit. please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: GA

Complaint narrative:
On XX/XX/19 I purchased first class tickets with XXXX Airlines, I also purchased travel insurance through XXXX XXXX a XXXX Partner Per XXXX recommendation on their site. 
I was unable to make the flight due too illness All parties attending business eat at the same restaurant and contracted some sort of bug. Meeting was canceled, Some parties left on earlier flights and were already in place others whom had not reached airport returned home. The Airline denied my refund stating it was a non refundable ticket, which is why we purchased travel insurance to be safe. My credit card company ( Discover ) offered me a temporary credit while they claim to arbitrate on my behalf. The Airline did not dispute in a timely fashion and therefor a decision was found in my favor from the credit card company, Somehow XXXX whom is also a customer od Discover ( a much larger Customer were given an addition bite at the apple to turn in documentation to reverse the credit applied to me, again a decision was found in my favor, The airline was then approached by the credit card company and given specific instructions on what to submit to get the credit reverse. Just Now on XX/XX/XXXX I was recharged the fee of XXXX dollars after they were coached by the credit card company on hoe to obtain the funds my travel insurance claim was never followed up on even though we submitted all documentation and all fees were paid It is unfair for the two giants Discover/XXXX to team up behind the scenes for several months to figure out the correct verbage to force me the little consumer to pay for a ticket that was never used. and To totally disregard the protection in place which has XXXX at the top of the letter head giving me false hope of protection. 
Now I am being told only after many hours of tiresome conversation with the credit card company I can submit additional information but only have 10 days to do so. 
Upon contacting XXXX Airlines they said the matter was closed and done they suspended the ticket and issued me a credit through the credit card company? and they have not resubmitted any new evidence that would change a decision from the first set of information they submitted. Whos side is the credit card company working for? obviously the bigger client which is a unfair practice and deceitful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Credit Card from XXXX Stoped reporting to my Report. I Disputed and The company did not respond to the dispute and it was taken off of my report. I Requested XXXX Start reporting it to my bureaus and filed a additional Complaint on XX/XX/2019. And XXXX Stated if its Not Back on my report within 30 days that it is a problem on the credit Bureaus Problem So I am Adding a additional Complaint with the bureaus

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 2019-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Credit Card from XXXX Stoped reporting to my Report. I Disputed and The company did not respond to the dispute and it was taken off of my report. I Requested XXXX Start reporting it to my bureaus and filed a additional Complaint on XX/XX/2019. And XXXX Stated if its Not Back on my report within 30 days that it is a problem on the credit Bureaus Problem So I am Adding a additional Complaint with the bureaus

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 2019-12-08 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: VA

Complaint narrative:
ear Sir or Madam : I am concerned about the validity and accuracy of Experian 's recent investigation of the following accounts that are reporting on my credit report : DEPT OF EDUCATION/XXXX   XXXX {$9000.00} XXXX DEPT OF EDUCATION/XXXX XXXX {$3900.00} XXXX DEPT OF EDUCATION/XXXX XXXX {$6700.00} XXXX DEPT OF EDUCATION/XXXX XXXX {$3900.00} XXXX DEPT OF EDUCATION/XXXX   XXXX {$5100.00} XXXX DEPT OF EDUCATION/XXXX XXXX {$7200.00} XXXX DEPT OF EDUCATION/XXXX  XXXX {$5100.00} XXXX DEPT OF EDUCATION/XXXX XXXX {$6600.00} XXXX XXXX/XXXX XXXX {$560.00} XXXX On two separate occasions, I have requested an investigation because I felt these items on my report were not being reported legally. I received a letter stating that their investigation complete. My initial dispute was detailed and directly related to the accounts in question. 

The Department of Education was not able to validate any information after I sent a certified letter to them. Experian stated that everything was verified but showed no evidence of this after I asked them to supply the information. These accounts should have been deleted from my account and should not be reporting to the other CRA because proper and legally required validation and verification did not take place. 

I've followed the legal and rightful process to dispute these accounts several times with the bureaus through written and signed requests regarding being a victim of identity theft. The letters were sent through certified letters, with USPS tracking numbers. Each letter was signed and received. 

The sole purpose of this letter is to inform you that I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file.

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 2019-12-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: MN

Complaint narrative:
I began working on a VA interest rate reduction refinance loan with Freedom Mortgage who is also my current lender. When we reached the time to began closing the loan I noticed the payment would be {$100.00} higher than my current mortgage. The lender stated it was due to the adding requirements for flood insurance. I currently have insurance without flood insurance from the origination of the loan. It was reviewed at that time flood insurance was not required. I let the lender know this is not what we agreed to and to cancel the loan. He checked with his Vice President of Freedom Mortgage who argues that I need to take it up with FEMA. The attached document clearly states flood insurance is not required in my area and this document was provided by the mortgage company. I also have a map of my location and an email from the city engineer who have validated that we are not required to have flood insurance. I have attached my conversations with the loan specialist, what the VP said, the maps provided. 

Hi XXXX, Mayor XXXX talked to me about the issues you were having regarding potential flood insurance, and asked me to look into it further. I pulled the official FEMA floodplain map for your address, which is attached. This map shows that your property is located in XXXX XXXX XXXX, which is not a Special Flood Hazard Area ( SFHA ). All land is given some sort of designation, which can be confusing. The determining factor should be if a property is located in a SFHA, as mentioned is section D of the flood insurance certificate they provided you. Feel free to give me a call to discuss further. 

Thanks, XXXX XXXX, XXXX XXXX XXXX XXXX/City Engineer City of XXXX XXXX Direct : XXXX | XXXX General : XXXX | XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX, MN 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 2019-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
have tried the web portal dozens of times on different days and it never works. asks for my information just as it appears on credit report - enter that and it returns message that the data is incorrect or portal is not operable try again later. have tried on these days in the past few weeks ( XX/XX/XXXX ). i need to dispute an address associated with my account, a collection and late charges. i can not do that because the portal does not work. i have called and could not reach a human to get assistance. i do not have a printer so i can not print out the issues and send by US MAIL to the company to dispute - and i certainly don't have time to transcribe all of this - no should i have to. TransUnion site does not work UNLESS you buy a subscription to the annual services. Consumer has a legal right to 1 free copy of report annually and the ability to dispute the items on report anytime ... but it is impossible to do these things. please, try it for yourself. see if you can set up an account to get ONLY transunion 's report -- - note that transunion site takes you to XXXX -- - but there you can ONLY order all 3 credit reports - not just TransUnion. i have already got my annual free copy of XXXX  and XXXX  - so this route fails when i try it. then go to transunion 's website. can you find a way to navigate to your free annual report??? i can't. i get to a portal - finally get logged in ( yes, it finds me - matches name to SSN ) -- but when i try to start the dispute process it tells me it can't find my information and to check my entries and try again. same thing for week after week. no online help. call 800 number and can't reach a person - only recordings. Dates in last XXXX weeks I have attempted to make corrections ( XX/XX/XXXX ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX this is crazy. i have a problem - i try to report it, but can't. i appeal to cfpb and get a generic non-relevant response to my complaint and cfpb closes the dispute calling it resolved. this is criminal. i'm a real person who needs good credit. please help me.

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 2019-12-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank reduced the credit limits on my cards without notice to me. I called and was informed that I'd be receiving a letter outlining why this action was taken. I asked for the contact information for Synchrony corporate and was told by several supervisor 's that there wasn't a number to call because corporate doesn't want upset consumers contacting them. Because Synchrony reduce my credit limits by more than half it reduced my credit score by a large margin. The one letter I received stated my limits were reduced because I didn't have a verified estate loan. I've always paid my bills on time, never missed any  payments

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 2019-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
A XXXX XXXX debt for {$110.00} was discharged under my bankruptcy in XX/XX/2016. Its been re aged and put back on my Experian Credit report as a charge off but in collections.

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 2019-12-08 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: NY

Complaint narrative:
Experian is currently in violation for reporting multiple inaccuarte inquiries on my consumer credit report. Please see attachments for details. 

XXXX bank card- as it appears on my Experian credit report. XXXX is currently being reporting without permissible cause as required by law. As a result, Experian is in violation and must be immediately removed. 

XXXX XXXX XXXX-as it appears on my Experian credit report. XXXX  XXXX XXXX is currently being reported without permissible cause as required by law. As a result, Experian is in violation and must be deleted effective immediately. 

XXXX- As it appears on my Experian credit report. XXXX- is currently being reported without permissible cause as required by law. As a result, Experian is in violation and must be removed effective immediately. 

XXXX as it appears on my Experian credit report. XXXX is currently being reported without permissible cause as required by law. As a result, Experian is in violation and must be removed effective 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 2019-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
transunion will not provide me iwth the opportunity to dispute or correct inaccurate information on my account.

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 2019-12-08 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: IL

Complaint narrative:
XXXX XXXX is shown as closed on my equifax report. I have never done business with this company. I need this to be completely deleted from my credit report immediately.

Company response to consumer: Closed with non-monetary relief