vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
PLEASE BE ADVISED THAT : XXXX XXXX XXXX, XXXX AGREED OR WAS ORDERED BY CFPB TO REMOVE from my CREDIT REPORT ( seXXXX CFPB Ref. # : XXXX filed on XX/XX/2017 ) this so-called " XXXX XXXX XXXX XXXX Collection Account '' for the same $ XXXX-based on the detailed facts of my previous dispute. Also, I CLOSED this " XXXX XXXX XXXX Account '' because XXXX XXXX XXXX STOPPED providing me the contracted wireless services and replacement of my phone, despite the fact that I CONTINUED TO PAY for over FIVE MONTHS the Bill for unused wireless services and Insurance, hoping that XXXX XXXX XXXX would do the right thing. 
Accordingly, DIVERSIFIED CONSULTANTS, being a successor-in-title of this so-called " XXXX XXXX XXXX Collection Account 0f {$1200.00} '' CAN NOT ( as a matter of law ) have acquired a XXXX XXXX from XXXX XXXX XXXX, XXXX ( the predecessor-in-title ). This is a fundamental principle of Common Law, and indeed, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX case law. Especially so, when DIVERSIFIED CONSULTANTS ought to have had CONSTRUCTIVE NOTICE ( i.e. if proper due diligence had been conducted ) of the cited CFPB Complaint Ref. # : XXXX because it is PUBLIC RECORD easily accessible on the CFPB Website.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-23 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: MD

Complaint narrative:
On XXXX/2018 I made a payment of {$490.00} to XXXX XXXX Bringing me current ) On XXXX/2018 I made a payment of {$50.00} to XXXX XXXX Keeping me current ) OXXXX XXXX/2018 I made a payment of {$53.00} to XXXX XXXX Keeping me current with decrease in balance owed ) However, my credit report as of XXXX/2018 has yet to be updated correctly. 
I called Transunion and filed a dispute sometime in the month of XXXX to dispute the issues with my credit still showing me being behind 140+ days  with an account that " needs attention '' and I received notification on Sun XXXX/2018 that my 3 accounts had been updated and current. One week later,  I received notification from XXXX XXXX stating that my credit for the three XXXX accounts went back up due to late payments and it was reverted back to the previous status. ( As if they didn't make it current a week later ) I called and both XXXX and Transunion continue to send ma back and forth telling me that the other company/agency is to blame but it's still not fixed. Not only that but XXXX has three separate account on my credit when in XXXX I'm only able to pay two separate accounts ; meaning it should be two accounts on my credit and not three.

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 2018-07-23 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: MD

Complaint narrative:
On XXXX2018 I made a payment of {$490.00} to XXXX XXXX Bringing me current ) On XXXX/2018 I made a payment of {$50.00} to XXXX XXXX Keeping me current ) On XXXX/2018 I made a payment of {$53.00} to XXXX XXXX Keeping me current with decrease in balance owed ) However, my credit report as of XXXX/2018 has yet to be updated correctly. 
I called XXXX and filed a dispute sometime in the month of XXXX to dispute the issues with my credit still showing me being behind 140+ days with an account that " needs attention '' and I received notification on Sun XXXX/2018 that my 3 accounts had been updated and current. One week later, I received notification from XXXX XXXX stating that my credit for the three XXXX accounts went back up due to late payments and it was reverted back to the previous status. ( As if they didn't make it current a week later ) I called and both XXXX and XXXX  continue to send ma back and forth telling me that the other company/agency is to blame but it's still not fixed. Not only that but XXXX has three separate account on my credit when in XXXX I'm only able to pay two separate accounts ; meaning it should be two accounts on my credit and not three.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
We had just bought our truck in XX/XX/2017 and had made 2 payments on it before hurricane Harvey hit our area. We had several leaks in the house so my husband called 5th 3rd bank to see about deferring the payments so we could have some extra money to patch up the leaks. The bank agreed to defer the payments for 2 months XXXX and XXXX. My husband filled out the paperwork and faxed it to them but apparently it was filled out wrong and we were never notified of the issue until after the truck was repossessed the night of XX/XX/2017. My husband contacted 5th 3rd bank on XX/XX/XXXX and got the details about the paper work not being filled out right and because of that they didn't process it for 2 months of deferred payments. The bank stated that if we brought the loan up to current payment status they wouldn't defer the payments for XXXX and XXXX and it would be counted as regular payments for XXXX and XXXX and also it wouldn't be reported on our credit reports. Right away we got the money together to make the payments current and paid the repossession fees to get the truck out. After all that we thought everything was fine. Well we went to apply for a home equity loan last week and was declined because the credit report showed the repossession mark. My husband called 5th 3rd bank inquiring about the repossession mark and they referred us to this website. I would the like repossession mark and delinquent payments to come off our credit reports since we were told it wouldn't be reported in the first place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-23 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: On-Site Manager, Inc.
State: TX

Complaint narrative:
On XX/XX/18 i sent apartment agent XXXX {$200.00} for application and administrative fees but did not complete an application - they ran my credit without my permission and also refuse to refund application/administrative fees ( for which no application was submitted ) further, i was promised on no less than three occasions that if my application is denied the {$150.00} admin fees would be returned. 

company name : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX. XXXX. 

agency they used to run my credit without my authorization : XXXX - XXXX i was informed by XXXX XXXX XXXX on XX/XX/18 that my application was denied, but i did not complete an application nor give them permission to check my credit. then they said that i would not get the XXXX administrative fee returned as per the fine print in the application, again, i did not complete an application .... 

i have made several attempts to contact their management ( XXXX XXXX XXXX ) ( XXXX XXXX and XXXX XXXX at corporate office XXXX ) but they are avoiding my calls. i contacted XXXX XXXX and they refuse to provide me information as to by what authority did they access my credit. a formal complaint was made online on XX/XX/18. 

their unauthorized access to my credit score had the negative affect of lowering it! and their processing an application that i did not complete fails to give them the authorization needed to proceed administrating it ... 

they refuse to return my calls and refund my fees and explain under what authority did they check my credit ( again i did not complete an application )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
I have contacted this company and requested they provide some type application or security agreement that I completed to show how this account was initiated. And they will not provide it. They keep saying that the company confirmed a name and address ; and provided a bill that does not have my address on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Back in XXXX I went through Probate, a copy of the order was faxed to the lender at the time XXXX XXXX on XX/XX/2018. A month later the loan was transferred to SLS and I received a notice in the mail stating to pay SLS {$10000.00} which I did not have. I contacted SLS to let them know the situation, I forwarded them a copy of the Order showing I was granted the executor of the estate and asked if they can assist me with saving the home. I was told from SLS to submit documents such as forms they provided and financial information. I faxed the information to them in XXXX and received a letter on XX/XX/2018 stating they received my documentation and need additional information. Over the course of the next few weeks and to this day I have repeatedly faxed my information over to SLS which they keep stating they never received even though I have proof of the fax confirmations. Now when speaking with SLS they are telling me my documents were not submitted 37 days prior to the sale and they can not help me! I have done everything asked of me and I feel like they did this on purpose so that there would not be enough time. The Notice of Default filed ( attached ) stated that the lender, SLS made attempts to reach out, that never happened nor did they contact my mother the borrower because she is deceased, so that right there is another lie. I am now being forced to hire an attorney to see what my legal options.

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 2018-07-23 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I reached to to Equifax several months ago to assist me in verifying information that XXXX XXXX had reported incorrectly to their buero. The 30 day mark has came and past and yet I have not recieved any results from Equifax where the dispute was conducted or finalized and how they obtained information. I have attempted to check the status of this using their online website, however, it never let 's me access the page.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
XXXX XXXX. Account ID XXXX. I have 3 different disputes with different dates. The investigator put all of the disputes together and denied without looking allowing me to address each of them. The total disputed amount is {$4000.00} and I dont even have have the card anymore, my cell phone was stolen during one of the disputes. I was not given the opportunity to show my proof to defend myself. Received a summary with the decision and claim closed. I cant afford to pay such large amount plus accumulating interest. I need an opportunity to show proof for each occurrence Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 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: WA

Complaint narrative:
I received an alert on my Experian and XXXX credit monitoring service that a hard Inquiry was placed on my credit report by XXXX XXXX on XX/XX/2018. How is this possible because I placed fraud alerts on my credit report. Someone tried to obtain credit using my information. I have not applied for any credit with XXXX XXXX. I also, filed a police report a few weeks ago because of my missing wallet which contained my Driver 's License, Military ID, Social Security Card and Debit Cards. Please remove this hard Inquiry from 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 non-monetary relief
Consumer complaint received 2018-07-23 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: WA

Complaint narrative:
I received an alert on my XXXX and TransUnion credit monitoring service that a hard Inquiry was placed on my credit report by XXXX XXXX on XX/XX/2018. How is this possible because I placed fraud alerts on my credit report. Someone tried to obtain credit using my information. I have not applied for any credit with XXXX XXXX. I also, filed a police report a few weeks ago because of my missing wallet which contained my Driver 's License, Military ID, Social Security Card and Debit Cards. Please remove this hard Inquiry from 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 2018-07-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I received an alert on my XXXX  and XXXX credit monitoring service that a hard Inquiry was placed on my credit report by Capital One on XX/XX/2018. How is this possible because I placed fraud alerts on my credit report. Someone tried to obtain credit using my information. I have not applied for any credit with Capital One. I also, filed a police report a few weeks ago because of my missing wallet which contained my Driver 's License, Military ID, Social Security Card and Debit Cards. Please remove this hard Inquiry from Capital One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In XXXX, XXXX XXXX provided a letter retracting a billing error made on their behalf. The letter is attached. I have contacted XXXX XXXX on numerous occasions with the attached document, requesting that this alleged delinquency ( made in XXXX ) be removed from my credit report. Despite these attempts, a negative report still exists on my Equifax credit summary. Please have this delinquency expeditiously removed from my Equifax credit report. Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
requested actual signed contract with my signature XXXX and capital one have not sent me that contract as of todayXX/XX/2018 I filed with the XXXX a complaint case XXXX even they could not get a contract. XX/XX/XXXX claims verified but I requested a copy of there investigation they also claimed they would send a copy of there response by mail never did I waited the extra 10 day for there letter never came .I have been trying to get this matter settled for over 90 days with no luck to show its even my account I feel my rights are being violated to this point capital one refuse any information enclosed is my XXXX case file to be down loaded I do not owe anything on this account I did offer a settlment to have this removed from my report completely is account even tho its not mine, My settlement offer still stands that I sent them {$300.00} dollars. a restricted offer 22 pages they sold contract to portifolio recovery equifax in there dispute asked i contact capital one i did refusal to comply by them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
PLEASE BE ADVISED THAT : Southwest Credit Systems, L.P AGREED OR WAS ORDERED BY CFPB TO REMOVE from my CREDIT REPORT ( see CFPB Ref. # : XXXX filed on XX/XX/2017 ) this so-called " XXXX XXXX XXXX XXXX Collection Account '' for the same $ XX/XX/XXXX-based on the detailed facts of my previous dispute. Also, I CLOSED this " XX/XX/XXXX Account '' because XXXX XXXX XXXX STOPPED providing me the contracted wireless services and replacement of my phone, despite the fact that I CONTINUED TO PAY for over FIVE MONTHS the Bill for unused wireless services and Insurance, hoping that XXXX XXXX XXXX would do the right thing. 
Accordingly, XX/XX/XXXX, being a successor-in-title of this so-called " XXXX XXXX XXXX Collection Account 0f {$1200.00} '' CAN NOT ( as a matter of law ) have acquired a XX/XX/XXXX from SOUTHWEST CREDIT SYSTEMS, L.P. ( the predecessor-in-title ). This is a fundamental principle of Common Law, and indeed, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX case law. Especially so, whenXX/XX/XXXX ought to have had CONSTRUCTIVE NOTICE ( i.e. if proper due diligence had been conducted ) of the cited CFPB Complaint Ref. # : XXXX because it is PUBLIC RECORD easily accessible on the CFPB Website.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
On Thursday, XX/XX/2018, I accessed TransUnion to get my free annual credit report. I was lead to a page where I had to enter my debit card information to access my score. The page did not have any information whatsoever about anything I would be charged, and I trusted that the company needed my card information since they're a credit reporting agency and occupy a position of trust. I entered my information and was presented with my credit score on the next page along with information telling me I had been charged {$19.00} and had ( unbeknownst to me ) opted into a credit monitoring service with a monthly fee of {$19.00}. 

Upset that I was charged for something I was given no information about ( so I could make an informed consumer decision with all the relevant facts and service information ), I searched for the unenroll page on the TransUnion site. I spent a very long time trying to find where I could unenroll from the service I wasn't even told I was signing up for. I finally found the unenroll option buried in a far corner of the site. The dropdown menu for reasons for un-enrollment asked if I signed up without knowing what I signed up for. This clearly means TransUnion knows they're profiting off of consumers by concealing charges and the purpose for those charges related to the free annual credit score consumers are entitled to.

I hope you can investigate this issue. I can not imagine I am the only person who has experienced this, and I'm quite disappointed that a credit reporting agency -- a company that has immense consumer trust -- is operating in a way that takes advantage of that trust.

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 monetary relief
Consumer complaint received 2018-07-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
Hi CFPB, I wanted to inform you of some of the misinformation and misreporting going on with XXXX XXXX XXXX and the Public Service Loan Forgiveness program. Recently, I changed careers from working as a XXXX XXXX XXXX in North Carolina. I worked in NC for five consecutive years with no breaks in service. During this time, I paid on my student loans every single month, automatic withdrawal. So it was roughly 60 payments, give or take. However, when I submitted my documentation to validate my payments for the PSFL. I was told that I only had made 30 qualifying payments with no explanation. This is not true, and it is either intentionally deceitful, or gross negligence. This incorrect representation of my payments would cost me thousands of dollars.

I have called 2 times and spoke to representatives who ensured me that my situation was under review and they had no other information. I also have emailed about my situation on 2 separate occasions with no response.

Company response to consumer: Closed with non-monetary relief