vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-21 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: WI

Complaint narrative:
Since XX/XX/XXXX, I have been trying to have XXXX and Transunion to update my credit report, delete unquiries XXXX XX/XX/XXXX and accounts older than 7 years old. XXXX still reporting a collection that I am no liable for, even after evidence from my health insurance has been submitted showing I have no responsibility. XXXX per information submitted to my previous complain stated that they verify my name but did not acknowledge the insurance evidence, the collection needs to be removed, I also notified the bureaus that on XX/XX/XXXX, my license, social security cards were stolen, there have been inquiries to my credit even after I placed a freeze and yet the bureaus have failed to prove that it was in fact me who made the requests. And lastly they are reporting accounts that are more than 7 seven years old.

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 2018-02-21 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: WA

Complaint narrative:
TransUnion shows incorrect account status, outstanding balances, no information, negative information, etc. Transunion does nothing when the incorrect information is disputed.

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 2018-02-21 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: OR

Complaint narrative:
I froze my credit due to having my information exposed in the XXXX debacle. Experian has been the post challenging to initially place the freeze, but now that I need to unfreeze I can not due to mistyping my PIN. Experian only allows you to upload or mail in the request with your social security number, copy of drivers license and a current bill. I opted to upload since I really dont want all of that information floating around nicely packaged together, with Experian credit freeze on the envelope. Over 8 days have gone by and nothing has been received. Experian gives you no option to inquire. So I am sending a mailed in request asking for a new pin and indicated my concern of crossing this in the mail and provided my contact information. This is super frustrating and seems wrong that I have no ability to check on the request. What if I can never unfreeze my credit from this agency that holds all of my information and I have no way to contact anyone.

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 2018-02-21 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: IL

Complaint narrative:
Chapter XXXX bankruptcy invalid reporting wrong date, reference number and amount did not file chapter XXXX bankruptcy ; XXXX and state collection are not my accounts invalidly reporting no contract and needs to be removed asap

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 2018-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I had a XXXX XXXX XXXX it was being put up for repossession due to be losing my job I reached out to them to lower my interest rate or payment and I was denied the pavement at the time before falling behind was for {$460.00} I paid on XX/XX/XXXX {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 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: GA

Complaint narrative:
Hi sent certified letters with in the last three months to all three credit bureaus and have not received a response.

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 2018-02-21 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: EQUIFAX, INC.
State: NC

Complaint narrative:
on XX/XX/2018 i tried to get my free credit report for online viewing from equifax on the XXXX site. i completed all information but the test questions failed due to equifax 's error in accuracy. the next to last question had a creidtor for car payment which was mispelled severely. i answered none of the above because of the error. the last question asked for the amount of payment. i answered none of the above because the name of the creditor was wrong. the system said i could not get online access. their error. my car payment is paid to XXXX XXXX. that was not even close to the name on the quiz. other issues. i tried to call to put a lock on my equifax report. after going thru their auto system, the system said i would be transferred to a representative, then hung up! i attempted the same with XXXX XXXX and could not lock my file since i did not have a code they said was sent to me. i ended up with a 90 alert. these bureaus are not accountable to the public because oversight is non-existent. to date i am not aware of any consequences for equifax for the great security breach. any other company would have offered free identity theft protection for those affected. at the very least there should be live representatives for XXXX people like me. also, i was able to access my XXXX  report on line and my browser crashed. do i have a way to reaccess this report?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 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:
Chapter XXXX bankruptcy invalid reporting wrong date, reference number and amount did not file chapter XXXX bankruptcy ; XXXX and state collection are not my accounts invalidly reporting no contract and needs to be removed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 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: IL

Complaint narrative:
Chapter XXXX bankruptcy invalid reporting wrong date, reference number and amount did not file chapter XXXX bankruptcy ; XXXX and state collection are not my accounts invalidly reporting no contract and needs to be removed asap

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 2018-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XXXX, was offered a XXXX point offer on the American Express site as a pop-up for a Platinum card after internet search. Pop-up advised against navigating away from the page. When I applied, I was prompted to log-in due to an existing Corporate card log-in profile. When I logged in, the offer dropped to XXXX points upon log-in. I chatted with Amex online and spoke to AMEX Customer Service and Apply who indicated a potential issue, but had no way to know if I was targeted for the offer, had no way to retrieve and told me to clear my browser cache and apply again. Applied again and got the XXXX point offer via my corporate card login. Applied and my application was put into pending status. Called Amex - application was missing a country code of US despite having NY address on file. Received approval via phone and email. Advised card would arrive within 24-72 hours. Week later and 4-5 hours of calls with Amex ( on 4 days ) I have no card, no card card number, and lower possible rewards. Apparently technical glitch kept card number from generating. Asked to speak to managers multiple times and was sent to voicemails or people hung up. Getting charged {$600.00} card fee anyway. Unfair business practices - lowering offers and manipulating availability.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Penn Credit Corporation
State: OH

Complaint narrative:
I was never contacted and told that I owed {$520.00} to the city of XXXX for utility services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
XXXX wireless is reporting a delinquent/unpaid account on my credit report. This information is erroneous as this is not my account. Im not certain if Im a victim of identity theft. According to my credit file, the account was opened XX/XX/XXXX but sold to XXXX XXXX XX/XX/XXXX. Both companys are reporting this on my credit report. The amount is for {$2000.00}. I would like some kind of proof that this is my account. I have already disputed these items.

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 2018-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
I contacted my lender SPS over the phone was told they need 37 days prior to sale to have my file reviewed for loss mitigation/ loan modification assistance, XX/XX/XXXX I submitted all their requested documents on line at the SPS Portal have a third party authorization uploaded with all my income, assets, financials and they did not touch the file until XX/XX/XXXX, when I called to follow up they said the system will not accept any loan modification request that I must re-instate my loan as the sale date is XX/XX/XXXX and there isnt enough time. After being on the phone numerous times they refused to escalate even speaking with a manager in loss mitigations They said I was denied for loan modification back in XX/XX/2017 and I do not qualify for change in circumstances, even though I am self employed my income has increased and I have already filed my XX/XX/2017 taxes and know exactly my income is at least {$1000.00} a more month which could potentially help me get a modification per SPS denial letter from last year I did not make enough to qualify. 

I am very frusterated as I have been a good paying customer and now that I have had a hardship they do not want to assist and will not even review their protocols to see what exactly their procedures are here. I even wanted to send then correspondence in writing requesting a QWR and it took them over 2 weeks to give me the address for that. My family has lived in this house over 10 years we grew memories here I am a unmarried woman and need help and my income is solely mine and I am confident as a XXXX XXXX XXXX I can start my finacial freedom with my mortgage brought current if they just accept my application for review. I do not know where to turn the sale date of my home is set for XX/XX/XXXX, I think it is unfair for SPS to now do their due diligence to assist me rather keep repeating the same information " not enough time to underwrite a file ''. I have called and asked them to send me true denial letter that I do not qualify but the generic letter they sent me does not state anything except for validating I am calling them for assistance, I need CFP to get in contact with them and turn this around for me so that I can be reviewed for loss mitigation and since the file is complete they should be able to postpone my foreclosure sale date. 

Please I am desperately seeking help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 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: FL

Complaint narrative:
On XX/XX/2018 I sent a letter to XXXX XXXX requesting verification on two account on my credit report. the accounts are 1. XXXX XXXX, Account numbers XXXX .... 
2. XXXX XXXX, Account numbers XXXX .... 
3. XXXX, Account numbers XXXX the investigation results summary said that these account were VERIFIED AS ACCURATE. 

I am demanding from them to send me verified proof to me so i can compare them with my records. If they can not provide me this proof i am requesting these account to be deleted immediately 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 2018-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
{$2400.00} XX/XX/13 this is my deceased father 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 2018-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I purchased cryptocurrency through Coinbase. They were happy to TAKE my money. Then i sold my cryptocurrency through Coinbase on XX/XX/XXXX. The proceeds from the sale have been in a " pending '' status to this day, XX/XX/XXXX. I submitted a support case and they responded with a less than usefull response and still no release of the proceeds. Oh yeah, my currency is gone so I have neither the currency or the cash. I've tried to call but after being on hold for 20 minutes while not once talking to a human, i hung up. Coinbase is a sham.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
A medical collection attempt from Medical Data Systems. One is dated XX/XX/XXXX and the amount is {$75.00}. The other one from the same company is dated XX/XX/XXXX for {$66.00}. I have no records or knowledge of any medical services from those dates or those companies. 

I submitted a dispute and this company did not verify the debt. The accounts were removed from my XXXX report, but have yet to be removed from XXXX and 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 2018-02-21 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: TN

Complaint narrative:
I checked my credit report after finding out someone stole my identity. There were fraudulent inquiries on my report that I didnt authorize. Ive contacted transunion numerous times disputing the inquiries with no luck! Please help me!!! It goes as follows : XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/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 2018-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have tried numerous times requesting TransUnion to send me documentation on how the " verified '' this alleged debt on XXXX XXXX. But according to FCRA, Section 611 ( a ) ( 5 ) ( A ) ( i ) and 15U.S.C. 1681g, I have the right to demand for those documents that are used to " verify '' an alleged debt. But with TransUnion refusing to do so. TransUnion has violated my rights as not providing documents in how this alleged debt has been verified. I have sent multiple letters requesting proof of how TransUnion verified the alleged debt. I have not got any documents and only one dispute result which stated, " verified ''. I have been asking for documentation for the last 2 to 3 months and received nothing. I am asking, " where are the documents that you used to verify this account? What is the name of the person in your company who verified this account? What documents did they use to verify them? TransUnion has refused to answer this questions and to send any documentation.

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 2018-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Santander consumer USA sold their contract to XXXX XXXX XXXX  on XX/XX/XXXX, which makes Santander Consumer no longer the owner of the contract. Santander consumer USA is still reporting that I owe them {$25000.00} which is a fraudulent amount the car was sold at the auction and I never owed {$25000.00}!! they sold the debt and the debt was written off, they are reporting this fraudulent account as open then closed the account is charged off and sold. I sent Santander consumer USA a certified letter on XX/XX/XXXX asking their company to verify the debt and if they no longer own the contract to stop all collection activities! Santander consumer USA never responded to the letter even though they received it! What Santander is doing is illegal and they have violate federal law! I have filed a complaint with the attorneys general office

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
I voluntarily gave the car back because they said there would be no ending balance because they were going to auction off the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 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: TN

Complaint narrative:
I checked my credit report after finding out someone stole my identity. There were fraudulent inquiries on my report that I didnt authorize. Ive contacted XXXX numerous times disputing the inquiries with no luck! Please help me!!! It goes as follows : XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XX/XX/XXXX Auto finance XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 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: TN

Complaint narrative:
I checked my credit report after finding out someone stole my identity. There were fraudulent inquiries on my report that I didnt authorize. Ive contacted XXXX numerous times disputing the inquiries with no luck! Please help me!!! It goes as follows : XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XX/XX/XXXX Auto finance XX/XX/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