vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-20 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I received a copy of my credit report when i tried to applied for a mortgage with XXXX XXXX XXXX XXXX. Upon going through my credit report, i noticed 4 accounts being reported as collection accounts with the following collection companies XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX. 
These accounts do not belong to me. I sent out a validation of debt letter to all 4 collection companies and i did not get any reply back from them. It has been over 3 months and no reply from them. I disputed the accounts with all 3 credit bureaus ( XXXX, XXXX  and Experian ). All the 4 collection accounts where deleted by XX/XX/ but XXXX  XXXX  and Experian continue to report these accounts even though they have no proof that these accounts belong to me. I sent an initial dispute letter on XX/XX/ and i did not get any reply from them ( XXXX XXXX and Experian ) and i sent a second follow up letter on the XX/XX/XXXXand still did not get a reply from them. Yet they are still reporting this in-accurate information. The collections companies keep calling my phone and pressuring me to accept a debt that i do not owe. Even if i owed XXXX XXXX XXXX, it is passed the statute of Limitations for debt collection for the state of Florida.They have not been able to validate the debt and it is still being reported by the credit bureau.

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 2018-02-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IN

Complaint narrative:
One Main financial XXXX XX/XX/2016 Branch manager informed me that my loan was a signature loan. When I asked why I had to have a list of collateral he said that because I was on XXXX for a XXXX XXXX that I needed to show that I was not destitute. I was assured it was only a formality. I did not understand at the time that I was putting my household goods up as collateral. I take very heavy XXXX for my XXXX XXXX and I have a XXXX XXXXy to understand things..especially when I'm rushed to sign papers I havent read.. My interest rate was also 29 % on my loan. My credit at the time did not constitute a interest rate of 29 % .. Disability and life insurance was added to the loan against my knowledge. A check had already been cut to the insurance co. I was asked to sign. I had no idea it was not required for the loan.. The disability insurance is useless since I'm already XXXX.. 

XXXX XXXX XXXX XX/XX/2016 to present.. {$2400.00} I was charged a 39 % percent a.p.r after insurance was added to my loan.. I was not informed of my right to not have insurance included in my loan.. As in the case above a check to the insurance companies was already cut and I was asked to sign. XXXX XXXX was aware of my XXXX and I believe I was discriminated against due to my XXXX. I was charged a predatory interest rate because of my deminished capacity to understand what I was being asked to sign.. At one point I seen 46 % interest on my loan app. When I questioned it they told me to ignore it because it didn't mean anything.. My loan payment is {$170.00} a month and {$78.00} of that is interest.. At the time of my loan my credit score did not constitute a 39 % interest rate.. Especially when 5 months later I got a loan at 29 % with the same credit score.. Again I was rushed through these meetings so fast that I could not keep up and did not know what to ask.. I take medications such as XXXX, XXXX, XXXX.. Theses are XXXX  and XXXX medications. I truly thought that these nice people were trying to help me.. 
This was written by a second party and signed by XXXX XXXX All statements and facts are true to the best of my knowledge.. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 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: TX

Complaint narrative:
After viewing my credit report recently I noticed that there were several inquiries that I do not recognize, nor did I authorize. I contacted the CRA 's and the creditors and requested removal of UNAUTHORIZED INQUIRIES, but I was denied. I stated that I am a victim of identity fraud and have a fraud-alert posted to my credit files on all ( 3 ) major CRA 's, but they still would not remove the inquiries.Here are the inquiries that were not authorized by me : XXXX  - 1.XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) 2.XXXX XXXX ( XX/XX/XXXX ) 3. XXXX XXXX ( XX/XX/XXXX ) XXXX  - 1.XXXX XXXX ( XX/XX/XXXX ) 2.XXXX XXXX ( XX/XX/XXXX ) 3. XXXX XXXX XXXX ( XX/XX/XXXX ) EXPERIAN - 1. XXXX XXXX  (XX/XX/XXXX ) 2. XXXX ( XX/XX/XXXX ) 3.XXXX  ( XX/XX/XXXX ) 4. XXXX XXXX ( XX/XX/XXXX ) 5.XXXX XXXX XXXX (XX/XX/XXXX ) Please dispute these inquiries or  contact the reporting agency and request removal of these unauthorized inquiries.

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 2018-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My car was declared a total loss and XXXX paid off most of the balance but left {$900.00} balance owing. I purchased GAP Insurance from this lender when I bought the car to cover in case something like this happened. They refused for 3 months to file the GAP claim and waited until {$2000.00} in fees and interest had accrued to file the claim. By this time they filed the claim only after I threatened to file a claim with the AZ Attorney General Office. The GAP coverage only covered the original balance and not all of the interest and penalties that has accrued. They immediately filed a claim in small claims court for the balance which I paid within 10 days. This company has poor business practices and are selling GAP policies that they have no intention of using and driving up interest and penalties to get more money out of their clients. They should not be allowed to do business and take advantage of people like this. They have now placed my account as a charge-off on my credit report and refuse to take it off. Please help me get this taken off.

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 2018-02-20 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: National Credit Systems,Inc.
State: MS

Complaint narrative:
XX/XX/2017 National Credit Systems placed an item on my credit report as a collection account for {$460.00}. I have no record or account of this debt owed to this company, nor do I know who this company is. I never received any kind of verification of debt by phone, email or mail. This account is not mine and I would like for the false, erroneous and unverifiable information to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I previously entered the referenced complaint below. In response, Trans Union alleges they conducted an investigation whereupon the results indicated a bankruptcy filing was identified.

Trans Union failed, as they have in the past, to conduct a thorough investigation beyond identifying that a filing had occurred. The law is clear. There was no adjudication and the case was dismissed. There is no ORDER of Relief. Pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, Trans Union must delete this information from my credit report and send me an updated copy when this action is completed.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Trans Union continues to list a dismissed bankruptcy as confirmed within my credit file. Although it is Trans Union 's policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. However, the law clearly states from " date of adjudication '' or date of " order of relief ''. Neither occurred in the bankruptcy that Trans Union continues to report. Any case, civil or otherwise, which is dismissed never existed in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. Pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, Trans Union must delete this information from my credit report and send me an updated copy when this action is completed. Trans Union has already reported this on my credit report for over seven years... enough is enough. Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this complaint and please provide me an updated copy of 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 explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was laid off XX/XX/2011 and my last contact was XX/XX/11. Listed twice on all 3 credit reports by them and they sold debt to another lender. Re-Aging is illegal per FL Statue 5 years remove item from my credit reports. Mailed letters to inform them of this and they have not removed off credit report. Asked them to validate this debt and I have not hear from company at all.

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 2018-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was laid off XX/XX/2011 and my last contact was XX/XX/11. Listed twice on all 3 credit reports by them and they sold debt to another lender. Re-Aging is illegal per FL Statue 5 years remove item from my credit reports. Mailed letters to inform them of this and they have not removed off credit report. Asked them to validate this debt and I have not hear from company at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was laid off XX/XX/2011 and my last contact was XX/XX/11. Listed twice on all 3 credit reports by them and they sold debt to another lender. Re-Aging is illegal per FL Statue 5 years remove item from my credit reports. Mailed letters to inform them of this and they have not removed off credit report. Asked them to validate this debt and I have not hear from company at all.

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 2018-02-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have inquiries on my credit report that I did not authorized. I also do not have a account with any of the following companies below. 

XXXX XXXX XX/XX/XXXX Date of inquiry XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XX/XX/2017 XXXX XXXX XXXX placed an item on my credit report as a collection account for {$460.00}. I have no record or account of this debt owed to this company, nor do I know who this company is. I never received any kind of verification of debt by phone, email or mail. This account is not mine and I would like for the false, erroneous and unverifiable information to be removed from my credit report 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 2018-02-20 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: MS

Complaint narrative:
XX/XX/2017 XXXX XXXX XXXX placed an item on my credit report as a collection account for {$460.00}. I have no record or account of this debt owed to this company, nor do I know who this company is. I never received any kind of verification of debt by phone, email or mail. This account is not mine and I would like for the false, erroneous and unverifiable information to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 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: MS

Complaint narrative:
XX/XX/2017 XXXX XXXX XXXX placed an item on my credit report as a collection account for {$460.00}. I have no record or account of this debt owed to this company, nor do I know who this company is. I never received any kind of verification of debt by phone, email or mail. This account is not mine and I would like for the false, erroneous and unverifiable information to be removed from my credit report 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 non-monetary relief
Consumer complaint received 2018-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
This all started when I attempted to transfer {$300.00} from my company issued Bank of America XXXX XXXX XXXX to my XXXX checking to cover {$96.00} worth of overdrafts and bills on XX/XX/XXXX. I went ahead and attempted to pay said bills thinking that the problem was resolved and my account was no longer overdrawn ... until I went into my mobile banking and discovered that one of the bills had incurred another overdraft and the others remained unpaid two weeks later. On XX/XX/XXXX, I attempted to get an account number or some way to pay the bills and was told by the representative that there was no way to access that information. In response, I asked to speak to someone higher up the chain or for a corporate number to see if there was any way to address the issue and only got the mantra of " I can't access that information. '' or " Your bank didn't allow the transfer. '' I have suffered significant damage to my credit as a result of the failures of both Bank of America and XXXX to notify me of the failed transfer in a timely manner. To further the issue, XXXX has disabled my access to online banking on or before today, XX/XX/XXXX, which is a huge issue as I am expecting funds to be deposited that are sufficient to cover all the damages incurred as a result of this mess but do not want to take action until I know they are available. Both companies have been named as I do not know for sure which one I should hold responsible and have had trouble with both in the past. Please, help me sort this out quickly as it could cause me the loss of utilities and a place to live. Files can be provided as needed or should be within company databases.

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 2018-02-20 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: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Sent Regions Bank XX/XX/XXXX informing them that my ex-husband XXXX XXXX filed bankruptcy XX/XX/XXXX furthermore the court has entered an order of discharge releasing him from all debts. Nevertheless, Regions placed debit on all three credit reports. I requested them to remove debit from my credit file per bankruptcy on XXXX XXXX credit file original account holder. Contacted all three credit reporting companies XX/XX/XXXX and XX/XX/XXXX to file disputes, however they did not remove item from 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 explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Eagle Financial Services, Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX. XX/XX/2016 {$2400.00} to present.. 
I was charged a 39 % interest rate when my credit score did not constitute such a high rate. The rate was raised by insurance that was packed into the loan that was unnecessary and useless. The XXXX insurance is useless because I'm already XXXX. The insurance to cover the collateral was unnecessary because I have renters insurance. I believe I was taken advantage of because of my deminished capacity to understand the paper work that I was rushed to sign. Because of my XXXX XXXX.. XXXX XXXX XXXX XXXX..XXXX. I am required to take heavy medications including XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX XXXX ). And XXXX ( XXXX ) .. These medicines make it impossible to think clearly as quickly as I was moved through the loan process.. Checks to the insurance companies had already been cut before I started filling out paperwork and were the first things for me to sign.. I was given the impression that it was Required to receive the loans since the checks had already been made out. I also believe I was charged a predatory interest rate because of my XXXX XXXX XXXX XXXX.. my credit score at the time was not bad enough to require a 39 % rate when I was later approved by another company at 29 % .. I believe XXXX XXXX intentionally violated the E.O.Debt Act of 1989.. I have since learned! from legal aid services that XXXX XXXX is on Indianas predatory lenders list.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
I sent a email to the XXXX website trying to get my loans back into administrative forbearance again. They didn't renew. I sent a couple emails XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX requesting to extend my administrative forbearance again. No response My DTR is valid, should be processed in a timely matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I owed about {$1100.00} to the company which I paid in full on XX/XX/XXXX. Since I had previously had payment of {$29.00} scheduled for the XXXX of each month, I made sure to call chase bank customer service, talk to a representative just to make sure that I didnt owe any more money. Also I did ask the representative to cancel all the scheduled payments and I was told that it was done. 
However, I still got charge for {$29.00} after I paid my balance in full on theXXXX. After wrongly overcharging me {$29.00} which has compromised my plan for other paiement that I had scheduled, they charge interest for no reason after I paid my balance in full. Please help take action so that no one get ripped off this way. It is illegal and unfair and nobody should go through that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BUDGET CONTROL SERVICES, INC.
State: CO

Complaint narrative:
Years ago I was never informed of the debt and I have no contract with budget control for {$160.00} and want it removed immediately from my credit report Thx for getting this bad damage to me fixed in advance XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation