vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-12 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: NJ

Complaint narrative:
Transunion was sent new information based upon Section ( 609 ) of the Fair Credit Reporting Act. Transunion did not respond with proof of debt that was received from the creditor. As a result, Transunion 's response is unsatisfactory. Based upon Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is yours. To positively prove an account is yours, the creditor must provide the Credit Bureau a copy of the original creditor 's documentation ( whatever you filled out and signed upon opening the account with the reporting creditor ). As we know the burden of proof is on Transunion to provide accurate proof of debt which has not been done. Thus said I am requesting that Transunion provide the original proof that was sent to prove this debt is mine. I am requesting documentation of contracts and original signature. If this can not be furnished I am requesting that the in question debts be removed from my credit report effective immediately. 


Transunion has also been asked to investigate multiple inquiries on my credit report which has not been done as well this has been requested more than two months ago.

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 2017-10-12 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Maximum Title Loans, LLC
State: AZ

Complaint narrative:
XXXX trucks repossessed after working with them on setlling on date agreed. I agreed to pay amount Paid {$2500.00} and they said it 's not current. Asked to pay additional {$370.00} with no details on fees tagged on. 
Actions taken. Called to request detail additional charges and advised I would pay to bring current to get trucks back. Plus I had received numerous personal harrasing text from the Company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants' Credit Guide Company
State: AZ

Complaint narrative:
XXXX University is a ripoff I would like to discuss a situation dated XXXX XXXX to XXXX XXXX in regards to a term I wanted to do a setback on not withdrawl just a holding period in which not to withdrawl funds of any kind from fasfa, it turned against me unfairly by my student advisor, I repeatedly asked this person to not withdrawl me from the term I just needed an emergency family leave for a couple of months to be placed on a hold. Next I received a bill in the amount of approx {$130.00} of a balance owed for XXXX session within that that term to which I have not taken. Plus they pulled with non authorization from my student loan account. I tried contacting over and over spoke with this person one time. Nothing has been resolved they are a private instituion in which want to bank all profits no matter what the cause. They state clearly they would do whatever it takes for students to succeed and give back where needed to continue your career goals. Well I amongst others find this to be very misleading upon other allogations. So after emails and a written letter sent to the main office in XXXX, IL to the student dean I have heard nothing, all I got was repeated bills sent now owing {$800.00} with no explanation as to why? I refuse to pay a high price for misguidance and misleading information and fraud on obtaining funds from Fasfa. I am almost upon graduating and from what I have recieved from the FTC already was a refund check of a small amount in a settlement some others students had file all being seniors and close to graduation the same things happened that are going on with my status. I even tried to resolve coming back to finish guess what nobody wants to assist my status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Credit Bureau has ignored me ... .Consumer inquiry is legitimate and obvious, but credit bureau fails to read adequate and input wrong data. Car Note should be XXXX XXXX XXXX XXXX ... it is referred to this way on all statements. Credit Bureau does not read adequate or report has wrong data. 

Line of Equity 2nd mortgage scheduled payments ... wrongfully categorized as evolving credit. Our home is XXXX XXXX XXXX appraised near 1million by the bank. 

Errors cause higher interest rates on our debt. Is there recourse to recovery from negligent mistakes. These error raise our interest rates. Our effort is to avoid the indebtedness that Credit Bureaus touch.

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 2017-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo 's reward program for the XXXX XXXX XXXX states a customer will receive a {$200.00} cash rewards bonus if you spend {$1000.00} ( net purchases ) in first 3 months. 

Specifically, ( footnote 1 ) The bonus cash rewards will show as redeemable within 1-2 billing periods after they are earned. 

https : //www.wellsfargo.comXXXX I made a qualifying purchase on XX/XX/XXXX, and three billing cycles have elapsed ( XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX ) and I have not received the bonus. Wells Fargo is not honoring its contract. 

Wells Fargo should immediately issue me the {$200.00} bonus.

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 2017-10-12 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: Lendmark Financial Services
State: CA

Complaint narrative:
In XXXX of XXXX, I responded to an online advertisement for an unsecured loan. I applied for the loan with the intent to pay off my outstanding car loan and other smaller bills. When applying for the loan, it was n't until after I was approved did I realize the unsecured loan was now a title loan. XXXX reduced the loan by the payoff amount and retained the title of the car. I launched a complaint against the company in XXXX XXXX during the time of an unknown business acquisition. My account with XXXX is now transferred to Lendmark Financials in XXXX XXXX. At this time I was told by the customer service agent at the XXXX, CA location she could no longer discuss my XXXX account. 

Ever since the transfer to Lendmark Financials in XXXX XXXX, my monthly statements DO NOT reflect how payments are applied or the active balance. Only in the month of XXXX XXXX did my statement reflect my balance of {$7300.00}. I have no way of knowing what the balance is unless I call every time to get this information. With every called I am told they are still working on transferring everything over and they apologize. I have made numerous calls asking how much would I have to pay to purchase my car back from them and gain the title and every response is different. I called them in XXXX XXXX stating I did not want the car anymore and they could come pick it up. I was told they are not in the business of repossessing cars. I am STUCK in an upside down title loan that still has a balance of {$7000.00} something dollars for the last 12 months. I have since bought another car.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I WAS AT THE BANK ON OR ABOUT THE BEGINNING OF XXXX I WENT TO THE BANK TO OPEN A CHASE PRIVATE CLIENT ACCOUNT. I FOUND OUT FROM A BANKER THAT MY CREDIT CARD POINTS WERE REDEEMED FOR CASH. I WAS SURPRISED AND WANTED AN EXPLANATION. THEY TOLD ME THAT I CALLED IN AND I TOLD THEM TO REDEEM THEM. I NEVER TOLD ANYONE TO REDEEM ANY POINT NOR CAN YOU REDEEM POINTS OVER THE PHONE. YOU MUST GO OVER THE WEBSITE TO REDEEM ANY POINTS. AFTERWARDS I WENT ON TO MY ACCOUNT AND SAW THAT THE OTHER XXXX POINTS WERE GONE. I REQUESTED AN EXPLANATION AND I AM NOT GIVEN ANY PROOF THAT I CLAIMED MY POINTS NOR WAS THERE ANY EXPLANATION WHAT HAPPENED TO THE REST OF MY POINTS. THE POINTS ARE WORTH APPROXIMATELY {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 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: SC

Complaint narrative:
XXXX XXXX, XXXX, at approximately XXXX XXXX called Equifax about a charge appearing twice on my credit report. I asked the agent where he was located and he told me the XXXX. I asked to speak with someone in the United States because frankly, I do n't understand how this company is allowed to still operate, let alone offshore. I was told I was being transferred to a U. S. agent, but I was on the line for over 20 minutes with just music playing. No one or no recording letting me know I had even been connected was available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: IL

Complaint narrative:
On XXXX XXXX I have contacted discover credit services and ask them when my next payment was due they informed me my payment was not due Until XXXX XXXX. On XXXX XXXX discover credit services Over drafted my account {$28.00} On XXXX XXXX I called and spoke with XXXX She had agreed to waive one in NSF charge from my bank account I had requested to Have my payment in XXXX waived for the inconvenience of them providing me False information. On XXXX XXXX I called XXXX again she agrred they will pay one nsf fee to my bank, but will not be able to wave a payment for the inconvenience I had informed her they are in violation of Udapp. XXXX had informed me there was nothing they could do. XXXX contacted my bank agree To pay one {$35.00} fee to my account And requested my bank forgives the other {$35.00} insufficient funds fee. XXXX had advised me that I still need to pay the {$28.00} they had misinformed me on discover has failed to accommodate me for their violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I settled a XXXX XXXX XXXXXXXX account for less than full balance and was n't sent a XXXX. 
This company should no longer be reporting negatively on my credit reports. Please have this deleted 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 2017-10-12 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: EQUIFAX, INC.
State: MD

Complaint narrative:
My Equifax Credit score dropped significantly with in the last 2 months. I contacted Equifax customer service representative to try to rectify the problem. I never had my credit scores to drop 172 points in a weeks time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Focus Holding Company
State: CA

Complaint narrative:
I paid the original creditor in full. I tried calling the debt collection agency and no one ever calls back. Its still reporting on my report that it is open by this debt collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 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: FL

Complaint narrative:
I CONTACTED THE CREDITORS AND THE CREDIT BUREAUS ON THE FRAUDULENT INFORMATION ON MY CREDIT FILES.FIRST I WAS EVER LATE WITH XXXX XXXX, XXXX IS A FRAUDULENT ACCOUNT, XXXX XXXX IS A FRAUDULENT ACCOUNT, XXXX XXXX IS A FRAUDULENT ACCOUNT, XXXX XXXX XXXX XXXXIS A FRAUDULENT ACCOUNT, WE XXXX   XXXX IS A FRAUDULENT ACCOUNT. I HAVE ATTACHED MY POLICE REPORT PROVING THE FRAUD.

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 2017-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I monitor my credit. In XX/XX/XXXX, I received an alert that I missed a student loan payment. Upon review, the missed payment was for a FFEL consolidated student loan with an 8 % interest rate that originated with XXXX XXXX and was discharged under the Total and Permanent XXXX Discharge Program as of XX/XX/XXXX. I contacted XXXX XXXX, nka XXXX and received a letter dated XX/XX/XXXX verifying the loan was discharged on XX/XX/XXXX. The P & I owed was {$15000.00} and now, it is {$17000.00}. I have contacted Nelnet, with no luck, they forced me to agree to a forbearance for a debt I do n't own or they would continue to report to the credit agencies. The repayment date is this month, on XX/XX/XXXX, I received a letter that they tacked on over {$1800.00} in interest for the three months of forbearance, and they threatened to garnish my wages if I do n't pay them. I sent them a copy of the discharge letter and they wo n't accept it. I asked for a copy of my loan documents and have not received same. They also attempted to force me to send them a letter stating that I am not currently working and did not work the prior year, which I refused to do because I have worked. I received no notice of an alleged late payment, no phone calls, no emails. I have not received any contact from them since I sent my application for a XXXX discharge to them in the fall of XX/XX/XXXX. The only notice or contact I received from XXXX XXXX or Nelnet stating there was an issue with a discharge or money was owned is from the notice I received from the credit monitoring. Also, I had not moved since I submitted my application and XXXX, one of the supervisors at Nelnet stated they sent all notices to an address in XXXX Illinois. I have not lived in Illinois for 7 years and told her that was not the address on my application for XXXX discharge! Additionally, because I did n't receive any notices or communication before they reported me to the credit agencies, they agreed to removed the two instances they reported nonpayment on XX/XX/XXXX and XX/XX/XXXX to the credit agencies, yet they have not done so and my credit score significantly dropped. My credit score dropped again when they added the {$1800.00} in interest to my loan amount in XX/XX/XXXX. I contacted the Ombudsman department on XX/XX/XXXX and got no where  with them, all they did was quote from a script about XXXX discharges. Lastly, the amount they claimed is owed and the information on the US Department of Education does not reflect any payments made over the life of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 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: FL

Complaint narrative:
I CONTACTED THE CREDITORS AND THE CREDIT BUREAUS ON THE FRAUDULENT INFORMATION ON MY CREDIT FILES.FIRST I WAS EVER LATE WITH XXXX XXXX, XXXX IS A FRAUDULENT ACCOUNT, REGIONAL ACCEPTANCE IS A FRAUDULENT ACCOUNT, XXXX XXXX IS A FRAUDULENT ACCOUNT, XXXX XXXX XXXX, XXXX A FRAUDULENT ACCOUNT, WE XXXX XXXX IS A FRAUDULENT ACCOUNT. I HAVE ATTACHED MY POLICE REPORT PROVING THE FRAUD.

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 2017-10-12 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: FL

Complaint narrative:
I CONTACTED THE CREDITORS AND THE CREDIT BUREAUS ON THE FRAUDULENT INFORMATION ON MY CREDIT FILES.FIRST I WAS EVER LATE WITH XXXX XXXX, XXXX IS A FRAUDULENT ACCOUNT, XXXX XXXX IS A FRAUDULENT ACCOUNT, XXXX XXXX IS A FRAUDULENT ACCOUNT, XXXX XXXX XXXX, XXXX A FRAUDULENT ACCOUNT, XXXX XXXX  XXXX IS A FRAUDULENT ACCOUNT. I HAVE ATTACHED MY POLICE REPORT PROVING THE FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
All The Major Credit Bureau 's have committed fraud against me and I need these issues solved immediately. The physical addresses for these companies are listed below. Not only have they hoarded my personal information without my expressed written permission/consent they have committed fraud against this consumer on numerous occasions. I have filed a complaint on XXXX with the F.T.C ( federal trade commissions ) my complaint confirmation number is # XXXX. I called them today Thursday XXXX XXXX and they told me to contact you about my issues as well. I want all matters of my credit solved and dismissed because they were under fraud and there was no written consent by this consumer which is Me. I have tried to solve these problems and there has been no action. My next actions are to take legal actions because these company think this is a game. This is my life and I am not going to put my life in the hands of the credit bureaus. They have already let me down by providing my personal information without my consent for their financial gain.Pursuant to the 1974 Privacy Act all three credit bureaus violated all my privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt collection Practices Act all 3 bureaus maliciously and collectively shared my personal information to make trillions of dollars by selling to various debt collection, student loan collections, employers, financial institutions, and a host of others. My wish is for the C.F.P.B and F.T.C to demand on my behalf that all 3 three credit bureaus remove all of this Consumers social security numbers, date of births, financial accounts, credit/debit card numbers, drivers license numbers, identification number, detailed health or medical history or any other similar sensitive personal information. All relations with these 3 credit bureaus ' are in question for reporting fraudulent information to disgrace this Consumer. This Consumer wishes for the damages of XXXX XXXX dollars and credit score of XXXX from all three credit bureaus for their Treasonous deeds and all will be forgiven. Consumer would also like to Thank the C. F.P.B for protecting my personal information, family, and household. 

XXXX XXXXXXXX XXXX XXXX XXXX, Ga XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX Ga 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 2017-10-12 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: GA

Complaint narrative:
I have filed disputes with equifax in XXXX and XXXX, to no avail has any of my information been corrected. My credit file has actually almost completely disappeared, I 've went from 56 trade lines down to 5 trade lines which has hurt my credit standing, caused me to get higher interest rates and/or denied credit. 
I rcvd an email that my most recent dispute has been completed on XXXX/XXXX/XXXX but, I am unable to check to see the results of this dispute due to there system not recognizing me because of the inaccurate information they have. Equifax is reporting incorrect names, phone numbers, and addresses within my credit file, which I have asked that they remove along with some accounts that do not belong to me. I have asked that they send me verification of how all debts in which I have disputed were validated, including the name, address and telephone number, of who they contacted in order to verify the information. I asked to be informed whom they spoke to, did they write to them, was a XXXX form used, or was this through electronic automatic dispute verification and were they able to reach them at the same address/phone number listed on my report, they have neglected to provide me with any of this information. 

Equifax are states they used NexisLexis to validate two public records, A Bankruptcy, and a Tax Lien which reports on my credit report inaccurately, but when I contact XXXX XXXX am told that this information was n't validated through them because it would violate the FCRA, being that they have a credit freeze on my credit file at there company. So this leaves me to believe that Equifax is n't doing proper investigations as they are required to do when a consumer disputes inaccurate information in their credit file.

Company response to consumer: Closed with non-monetary relief