vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-30 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
The following companies ran unauthorized credit inquiry on my credit report. These are suspicious to me and needs to be deleted asap. 

XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: CO

Complaint narrative:
I need help removing this negative accounts that TransUnion is reporting and hurting my credit score, they are as follows : XX/XX/XXXX XXXX XXXX amount {$480.00} XX/XX/XXXX XXXX XXXX XXXX {$840.00} XX/XX/XXXX XXXX XXXX {$29000.00} XX/XX/XXXX XXXX XXXX {$17000.00} XX/XX/XXXX XXXX XXXX {$460.00} XX/XX/XXXX XXXX XXXX {$490.00} Please help me in removing and resolving this issue, thank you.

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 2019-07-30 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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I paid my credit card statement in full to BANK OF AMERICA to only find out 2 months later that they had charged me a {$1.00} in interest, I guess due to timing of that payment. But because i did not know that there was the small charge, i was charged a late fee of {$37.00} dollars. I did not know I owed this so i did not check my credit card statements until i got a letter dropping my credit limit from {$12000.00} to {$500.00} and they put a late mark on my credit report. I had a credit score that was around 780 but now it has dropped to a XXXX. Really irritated, because i always pay my bills. What i did on this credit card was set it up for automatic withdrawals so this would not happen again. However, I do plan on canceling this card due to the unprofessional responses and lack of concern when i talked to Bank of America. I have a feeling that they could care less about me being a customer. The reason i feel this is that i pay most of my statement balances in full so they are not making any money on that. I have ran some balance in the past with them, so they should see me as a valued client. I have over XXXX airline points with them so I can not cancel this card until i use my rewards. BUT BELIEVE ME, I WILL CANCEL ONCE I USE THOSE AIRLINE MILES. All consumers need to be aware of Bank of America. I have accounts with XXXX, XXXX XXXX, XXXX, and XXXX. I have never had these types of issues with them!

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 2019-07-30 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: DE

Complaint narrative:
On XX/XX/19 I contacted Transunion after mailing letters to XXXX XXXX, XXXX XXXX XXXX and XXXX regarding inquiries on my credit report I did not authorize. After receiving no response I contacted Transuion who informed me to contact the creditors making these reports, as i stated above I had already. 

I still have these inquiries on my credit.

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 2019-07-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: IL

Complaint narrative:
I have had all of my student loans with discover. The first issue was they keep saying that they will consolidate my loans and they never do. This last month I was locked out of my account. The only way to reset your password is to input your date of birth, social security, and email. I have made sure all of those things are correct and every time it says my information is wrong. The month before I had to call them to make my payment because any time I tried to do it under my account it wouldnt process the payment. The month before that they said they couldnt take the payment online or over the phone so I was required to send in a check. The month before that I couldnt make my payment online and I called customer service and they said they couldnt access my account so the would send it to their investigation team. The month before that is when I started having issues with them. I think this started in XXXX. But even though they had claimed to send it to someone that would fix it, it was never fixed. So now there are months that I have had late payments effecting my credit and also my cosigners credit. This issue has been a nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: DriveTime
State: FL

Complaint narrative:
I bought a car from Drive Time with payments that were very high and was paying . XXXX XXXX XXXX the back panel of car kept coming off the whole windshield wipers hoses were corroded that It could not be fixed unless I paid for it. The Air Conditioner started going this in less then a year. No one would help me so my only option was to give it back and I got a letter from them that it sold for XXXX dollar's when they wanted over 10,000 from me.
   This I want removed and I am a Senior and felt like I was taking advantage of as no one cared to help me with these problems.
 Thank You
XXXX XXXX
XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax and XXXX  are incorrectly reporting me as an Authorized User on the XXXX XXXX partial account number XXXX. ( Please see page 14 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however, Equifax and XXXX  have not removed this from my credit report. I have contacted the bureau to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: American First Finance, Inc.
State: MI

Complaint narrative:
Dear CFPB, I am in desperate need of your assistance. We purchased on line two mattresses from XXXX XXXX. Right after delivery we had to put my Mom in a home so we wanted to return one of the mattresses. We left over 25 voice mails for XXXX XXXX. Not one return phone call. We contacted XXXX and they have been wonderful to us and very disturbed by the business practices between XXXX XXXX and American First Finance. The XXXX suggested we file a complaint with against the finance Company because they said there are no returns and XXXX XXXX told the XXXX we accept returns. It has been a complete nightmare and they have strung this out so we are past the 90 days. They have deceptive and corrupt business practices. They are collecting payments in two locations and we asked them to stop all payments until they help us rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: IL

Complaint narrative:
XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX partial account number ****XXXX. ( Please see page 14 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however, XXXX and Transunion have not removed this from my credit report. I have contacted the bureau to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed 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 2019-07-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: GreenSky, LLC
State: TX

Complaint narrative:
I completed a loan with GreenSky to add solar panels to my home. The vendor, Texas XXXX XXXX, told me that the solar panels would cut my electrical cost a the lest in half and in some months I would receive no bill. The owner of the company was my sales person, XXXX XXXX XXXX. I have the emails back and forth showing he was making by payments for the first 3 months due to this problem. The panels are still now working and he will not return my calls, emails, or text. I spoke with him using a different cell phone number and he promised to send someone to fix the problem. Once this did not happen I stopped paying the GreenSky bill due to finically not being able to do so. I reported the problem with the vendor to greensky and have been told this case is closed that they will not look into this any longer. I was told that the vendor assured them all was in working order and I assured them it was not working as I was told they were. The only calls I have received from GreenSky is debt collectors threating me about paying my bills and not attempted to help another possible victim of Texas XXXX XXXX or XXXX XXXX XXXX. The amount of my loan was {$25000.00}. This was based on a payment I would be able to afford and system that could perform.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
On XX/XX/19 I deposited XXXX to pay the remaining balance on a trip that evening that had to be paid for by XX/XX/19. Went to try to pay it. It declined my card so I went to a atm and tried it. It declined. So I then tried to transfer money from it and it declined it. I called no one there to answer. So I had to chat with a computer. And the only answer I would receive is that it must of triggered a security issue and there is nothing they can do. So finally on Monday XX/XX/19 it finally let me transfer funds. But on XX/XX/19. Still no funds. This company due to this cost me from going on a trip and lost the money I paid in it. Due to this. Something needs to be done about them holding our money captive and not releasing it. Venmo is owned by PayPal who does this all the time to people. They need to be stopped. I did not know till yesterday. I closed my paypal account long time ago for the same thing. And now for Venmo to do the same thing and owned by the same company. Yea something is up then.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-30 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: CO

Complaint narrative:
I need help removing this negative accounts that XXXX is reporting and hurting my credit score, they are as follows : XX/XX/XXXX XXXX XXXX XXXX  {$480.00} XX/XX/XXXX XXXX XXXX XXXX {$840.00} XX/XX/XXXX XXXX XXXX {$29000.00} XX/XX/XXXX XXXX XXXX {$17000.00} XX/XX/XXXX XXXX XXXX {$460.00} XX/XX/XXXX XXXX XXXX {$490.00} Please help me in removing and resolving this issue, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I need help removing this negative accounts that XXXX  is reporting and hurting my credit score,  they are as follows : XX/XX/XXXX XXXX XXXX amount {$480.00} XX/XX/XXXX XXXX XXXX XXXX  {$840.00} XX/XX/XXXX XXXX XXXX {$29000.00} XX/XX/XXXX XXXX XXXX {$17000.00} XX/XX/XXXX XXXX XXXX {$460.00} XX/XX/XXXX XXXX XXXX {$490.00} Please help me in removing and resolving this issue, thank you.

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 2019-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CL Holdings LLC
State: KS

Complaint narrative:
My business phone was not working properly with XXXX XXXX. I was losing customers due to poor phone service. Contacted customer service and was told No Problems. Take phone to our store and they will replace at no charge. Store refused to replace as promised. I had no choice to find alternate phone service. XXXX should be paying me for the Thousands of dollars of lost business. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: DE

Complaint narrative:
I have tried unsuccessfully two times on-line to request my free annual credit reports from the three companies. It apparently requires me to download and print the reports online. I try downloading the report, it dumps me out of the system. 
Also, the last credit reports I requested, approximately 3 years ago, received only 2 of the 3 I requested. At that time I got the 2 reports via mail. Why can't I get the reports by mail now? 
I was using the " free credit reports '' website referred by FTC.com

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have sent three requests to Porfolio Recovery asking them to provide me with the documentation required by law for this company to leave this information on my credit profiles. Porfolio Recovery has refused to respond. I am also sending a formal complaint to the Virginia state attorney general and to the FTC. I was told to try this before being forced to file suit seeking the maximum monetary award allowed under the law as this derogatory entry is stopping me from purchasing a home. I also plan to sue for fraud as this company has opened an account under my name without my permission.

****************************************************************************************** I am demanding the following as required by law : * Documents bearing my signature ( Fair Credi

t Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. ) * Documentation used to verify this debt * Any documentation that shows Verifiable Proof that this judgement is mine. *Documents that show this alleged debt is not past its SOL *Proof that you are legally allowed to collect on this debt.
****************************************************************************************** If Portfolio Recovery can not provide me with the proof required I would like a letter stating that these items are being deleted from all of my credit of reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: IL

Complaint narrative:
Problem with a credit reporting company 's investigation into an existing problem In XX/XX/XXXX, I submitted a dispute into an account on my TransUnion file, that had been indeed deleted for more than 30 days. XX/XX/XXXX is when the account was re-inserted into my credit file. 

This account was closed on XX/XX/XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$5000.00} Reported balance Credit limit {$5000.00} You're using 101 % of your account 's limit OVERVIEW Credit limit {$5000.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( 6 yrs, 10 mos ) PAYMENT HISTORY Last payment XX/XX/XXXX Payment status -- Amount past due {$5000.00} Worst payment status No Info ACCOUNT DETAILS Account status Closed Type Credit card Responsibility Individual Remarks Charged off as bad debt Canceled by credit grantor XXXX 30/60/90 days late 0/0/0 Closed XX/XX/XXXX CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX USA I  have requested a method of verification before the item was deleted, however, it has returned back into my file and noted as " verified by the creditor ''. I have not received the method of verification from either the credit reporting agency, TransUnion nor the creditor listed above.

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 2019-07-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: VA

Complaint narrative:
I do not know what happened but I don't recognize Jefferson capital systems. I would like information to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX - partial account number XXXX and XXXX XXXX XXXX partial account number XXXX are reporting duplicate line items to Equifax ; XXXX  and XXXX a collection in the amount of {$3100.00}. ( Please see page 2 of the attached credit report. ) This duplicate reporting of a collection is a violation of the Fair Credit Reporting Act and this line item needs to be removed from my credit report. This incorrect reporting is harming my credit score. I have contacted the ( 3 ) bureaus to fix this issue, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Concentric Receivables Management, Ltd.
State: TX

Complaint narrative:
I received a notification on Saturday XXXX XXXX that my XXXX credit score dropped 70 points because of a medical collection was added to my XXXX   credit report. The collection was from Concentric Receivables Management for the amount of {$300.00}. The original creditor was XXXX XXXX XXXX XXXX XXXX. I contacted Concentric Receivables by phone on monday XX/XX/2019 morning at XXXX XXXX CST and spoke to XXXX XXXX. I made her aware that the collection was not valid and that debt had already been paid to XXXX XXXX XXXX XXXX. XXXX XXXX told me that indeed were in contact with the hospital and were aware the debt had been paid and that they would be sending a Deletion Letter to all the credit bureaus informing them to remove the collection off of my credit reports. This has still not been done. Concentric still has not sent the deletion letter, and they will not return my emails or phone calls. I than called XXXX  and they told me there was notning they could do but wait 7 to 10 business days to remove the collection even though I had a deletion letter in hand proving it was wrong. I spoke to XXXX at XXXX, his employee number is XXXX. I told him I needed it removed immediately because it violated my FCRA rights and he again told me he could not do anything. These actions by both XXXX  and Concentric Receivables are in direct violation of my rights protected under the FCRA laws. This collection needs to be removed from all of my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I requested information on how to remove Private Mortgage Insurance ( PMI ) from my mortgage loan. I was told I needed to have my home appraised in order to do this. Mr. Cooper ( my mortgage company ) sent an appraiser to appraise my home and they appraised my home at {$770000.00} on XX/XX/2019. I was charged {$520.00} for the appraisal. 

I received a letter from Mr. Cooper denying removal of PMI because my loan to value was not within 80 % of the " original value '' ( {$680000.00} ) of my home. 

My complaint is that if they are going by the original value of my home, then there would never be a reason to have the home appraised since the current value would never be considered. 

I called to complain and they told me that I either had to be at 80 % of the original value OR use XXXX XXXX rules and be 75 % of the " CURRENT '' value ( I am short by about {$8000.00} ). I explained that this was never discussed with me when I first called to request PMI removal.

Company response to consumer: Closed with explanation