vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-25 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: IL

Complaint narrative:
Corporate business accounts with XXXX XXXX showing on personal 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 2017-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc.
State: CA

Complaint narrative:
Number XXXX XXXX repeatedly calls regarding a debit collection. To my knowledge I have no outstanding debt. Research into this number shows that it is scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25 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: CA

Complaint narrative:
TO WHOM IT MAY CONCERN, I HAVE BEEN TRYING TO RESOLVE MANY ISSUES THAT ARE ERRONEOUSLY REPORTED ON MY CREDIT REPORT BY ALL 3 CREDIT REPORTING BUREAUS. I 'VE HAD THE COLLECTION AGENCY WHO DID THE ORIGINAL NEGATIVE REPORTING MAKE CONTACT THE 3 CREDIT REPORTING AGENCIES DIRECTLY, TO HAVE THE ITEMS REMOVED FROM MY ACCOUNT. WE HAVE TRIED DOING IT ON THE PHONE VIA CONFERENCE CALLS, AUD REPORTING WHICH WAS SENT FROM THE COLLECTION COMPANY TO THE 3 CREDIT BUREAS, AND VIA EMAIL. STILL THE 3 CREDIT BUREAUS WILL NOT UPDATE THE INFO. PLEASE HELP!!!!!

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 2017-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: WA

Complaint narrative:
I am trying to resolve a issue with Mr Cooper AKA Nationstar Mortage I have a balloon payment due at the end of my loan I have tried to transfer the funds to pay this off on 3 occasions and the payment has not been accepted. They are treating to foreclose on the home but I have tried to get them the funds. 

I am hiring a lawyer to help me with this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
account is paid in full. when i requested a COMPLETE ORIGINAL APPLICATION AND PAYMENT HISTORY years were missing and the application was a computer printout not an application, with incorrect information. they do not have acurate information and need to delete the 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 2017-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have made several phone calls to XXXX XXXX XXXX XXXX XXXX as well as submitted a Better Business Bureau dispute on XX/XX/XXXX in regards to XXXX alleged debts ( XXXX and XXXX XXXX from Synchrony Bank ). Neither Synchrony Bank nor XXXX XXXX XXXX XXXX XXXX have yet to provide me with any validation of any alleged debt owed as well as the fact that I do not have any contract with this third party debt collector. On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX responded to my BBB complaint stating that they would be removing the tradelines from my credit report. As of this day, XXXX XXXX XXXX XXXX has not provided me any validation of proof and also not honored the outcome of my BBB complaint in which they responded. When I spoke to them in regards to the response, they stated that they did not write anything. I have disputed with all three credit bureaus and they are sending back correspondence that XXXX XXXX keeps reporting the alleged debt as verified. That can not be possible as they have not even sent me verification or validation as the assumed consumer on these accounts. I am at a standstill because the credit bureaus are not willing to update my reports to reflect accurate information as well as XXXX XXXX is not upholding the law in regards to providing legitimate proof of any alleged debt and ensuring that I am the correct owner of the alleged account. I have been rudely spoken to XXXX XXXX XXXX XXXX as well as XXXX, XXXX, and XXXX representative and told that valid proof does not have to be sent to me. Although, this is my right as a consumer to have valid proof of any alleged debt against me. I have documented proof from the BBB in regards to XXXX XXXX not being able to properly verify the account that I have sent to both XXXX XXXX and all three credit bureaus. Each company is placing the blame on the other and it is negatively impacting my credit. I want these accounts removed from all three credit bureaus ( XXXX, XXXX, and XXXX ) and pursuit of collections ceased.

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 2017-11-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
Ally Bank recently has changed required operating system for mobile devices to the XXXX XXXX or higher. 
I bought few months ago my " mobile device '' aka smartphone with XXXX XXXX. The device was fully compatible with Ally mobile app back then, but now since it is impossible to update my phone ( most android phones are un-upgradable by design ) I ca n't use their mobile app. Ally Bank is an internet bank so mobile app is virtually essential for banking with the Bank. 
The Bank claims security as reason for the change but it means that clients, like me, can be arbitrary forced to buy new smartphones every few months. My smartphone works fine, was working fine with the old Ally Bank app and I suspect it can work fine with the new app too.

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 2017-11-25 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: IL

Complaint narrative:
account is paid in full. when i requested a COMPLETE ORIGINAL APPLICATION AND PAYMENT HISTORY years were missing and the application was a computer printout not an application, with incorrect information. they do not have acurate information and need to delete the 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 2017-11-25 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: CA

Complaint narrative:
TO WHOM IT MAY CONCERN, I HAVE BEEN TRYING TO RESOLVE MANY ISSUES THAT ARE ERRONEOUSLY REPORTED ON MY CREDIT REPORT BY ALL 3 CREDIT REPORTING BUREAUS. I 'VE HAD THE COLLECTION AGENCY WHO DID THE ORIGINAL NEGATIVE REPORTING MAKE CONTACT THE 3 CREDIT REPORTING AGENCIES DIRECTLY, TO HAVE THE ITEMS REMOVED FROM MY ACCOUNT. WE HAVE TRIED DOING IT ON THE PHONE VIA CONFERENCE CALLS, AUD REPORTING WHICH WAS SENT FROM THE COLLECTION COMPANY TO THE 3 CREDIT BUREAS, AND VIA EMAIL. STILL THE 3 CREDIT BUREAUS WILL NOT UPDATE THE INFO. PLEASE HELP!!!!!

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 2017-11-25 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: CA

Complaint narrative:
TO WHOM IT MAY CONCERN, I HAVE BEEN TRYING TO RESOLVE MANY ISSUES THAT ARE ERRONEOUSLY REPORTED ON MY CREDIT REPORT BY ALL 3 CREDIT REPORTING BUREAUS. I 'VE HAD THE COLLECTION AGENCY WHO DID THE ORIGINAL NEGATIVE REPORTING MAKE CONTACT THE 3 CREDIT REPORTING AGENCIES DIRECTLY, TO HAVE THE ITEMS REMOVED FROM MY ACCOUNT. WE HAVE TRIED DOING IT ON THE PHONE VIA CONFERENCE CALLS, AUD REPORTING WHICH WAS SENT FROM THE COLLECTION COMPANY TO THE 3 CREDIT BUREAS, AND VIA EMAIL. STILL THE 3 CREDIT BUREAUS WILL NOT UPDATE THE INFO. PLEASE HELP!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Resource Systems, Inc
State: CT

Complaint narrative:
Original Creditor : XXXX Issue : I do NOT owe the money and refused to pay it. They sent it to collection. It 's now damaging my credit report. 
XX/XX/XXXX : Signed up with XXXX for ONE YEAR. 
XX/XX/XXXX : Sent a letter to XXXX stating that I do NOT want this automatically renewed at the end of the contract. No response. 
XX/XX/XXXX : The contract expired. Sent a new contract via email WHICH I NEVER SIGNED. 
After this I continued to see monthly charges on my credit card. When I alerted my credit card company about the fraudulent charges XXXX could not charge my card any longer and sent me to collection. 
XX/XX/XXXX : Sent another letter to XXXX stating that I did not want this contract renewed and never signed. No response. 
XX/XX/XXXX : Letter to United Resource Systems - no response. 
I attempted to dispute this with the credit agencies without resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Big Picture Loans, LLC
State: CA

Complaint narrative:
I tried to pay off this loan and they kept giving me excuses why I couldnt pay the loan off. They said I could be charged a fee from my bank because they would have to go through another way for me to pay it off. I kept getting alerts from my bank saying fraud alerts from a general store in XXXX is trying to get money from you. This happened XXXX/2017. This was a {$650.00} loan. The annual percentage rate of 558.4701 % which I did not know about which in total the finance charge would be {$1200.00} at the end I would pay in total {$1800.00} for {$650.00} loan. I tried to pay in full at the beginning but was unable to because they were giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: NY

Complaint narrative:
This company repeatedly reported unverified, in accurate, incomplete information to Credit reporting agencies, causing damage to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25 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: MN

Complaint narrative:
On my experian report I previously dispute several accounts and got them removed now a few years later theyre back on there but under a different collection company. This whole process is XXXX  the companies dont care that they have the wrong info, or outdated info, or anything. They knowingly post accoumts that they should n't. They need to be held accountable

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 2017-11-25 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: CITIBANK, N.A.
State: AL

Complaint narrative:
Stolen Account what account open in my name stole identity online purchase

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 2017-11-25 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: Go Capital Holdings, LLC
State: FL

Complaint narrative:
Approximately two weeks ago I checked my credit via XXXX XXXX and noticed that my car lender Go Financial had reported that my vehicle was affected by a natural disaster. I live in XXXX Florida and hurricane Irma did in fact have a impact on me. The vehicle that I am financing with them however was not impacted or affected by the hurricane. The only reason why I was alerted to this report is because I was looking at purchasing a new or used vehicle at a car dealership and the salesman asked me this report. I couldnt believe it! The salesman later informed my wife early this week that more people looking to buy a vehicle also had this on their credit report and that it was the same finance company Go Financial who reported it. The salesman advised that customers did not know as well as us. This report Did Impact The decision Not To Get A Loan with a good interest rate. The salesman advised that this company should be reported and that Go Financial did me No Favors with this kind of claim. 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 2017-11-25 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:
I have called the credit bureau and the agent advised me that I would have to call the original creditors to remove the unauthorized credit inquiries. I called in the original creditors and they seem to have no idea how to remove the inquiries from the credit bureau. 
Please remove the following unauthorized inquiries immediately as they are effecting my financial well being. 
1- XXXX XXXX XXXX 2XXXX XXXX XXXX 3- XXXX  XXXX XXXX XXXX 4-XXXX XXXX  XXXX 5-XXXX XXXX XXXX 6-XXXX XXXX 7-XXXX XXXX 8-XXXX XXXX XXXX XXXX 9-XXXX XXXX 10-XXXX XXXX XXXX 11-XXXX XXXX XXXX XXXX 12-XXXX 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 2017-11-25 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: CA

Complaint narrative:
My name has been XXXX XXXX XXXX since I got a divorce in the year XX/XX/XXXX. I married XXXX XXXX XX/XX/XXXX. When we got divorced I went back to my maiden name which is XXXX. I do not understand how it magically went back to XXXX? Can someone PLEASE help me regarding this matter. Also I have filed a police report as well. 
XXXX Bless Truly, XXXX XXXX XXXX XXXX Born 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
Consumer complaint received 2017-11-25 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: TX

Complaint narrative:
Account is still showing in my credit report as " closed '' and " included in bankruptcy '' but the account should be deleted off my report because it is closed and is negatively stopping me from getting credit. The following five accounts are closed & included in my backtuptcy but still appear on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-11-25 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: DE

Complaint narrative:
In early XX/XX/XXXX my wife needed medical assistance. The billing company was XXXX, XXXX XXXX XXXX XXXX. I paid the invoice in XX/XX/XXXX. But to today it shows as a deleterious mark on my credit. I asked TransUnion to remove a few months ago but it 's still there. I tried to dispute the entry again this evening and TransUnion 's page would not allow me to do so. Here is the original creditor 's contact information. Please help me resolve this. 
XXXX XXXX XXXX XXXX, DE 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 non-monetary relief
Consumer complaint received 2017-11-25 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: TX

Complaint narrative:
I have called the credit bureau and the agent advised me that I would have to call the original creditors to remove the unauthorized credit inquiries. I called in the original creditors and they seem to have no idea how to remove the inquiries from the credit bureau. 
Please remove the following unauthorized inquiries immediately as they are effecting my financial well being. 
1- XXXX XXXX 2017-XXXX-XXXX 3- XXXX XXXX XXXX 2017-XXXX-XXXX 3-XXXX XXXX 2017-XXXX-XXXX 4-XXXX XXXX 2017-XXXX-XXXX 5-XXXX XXXX 2017-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 2017-11-25 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: TX

Complaint narrative:
Account is still showing in my credit report as " closed '' and " included in bankruptcy '' but the account should be deleted off my report because it is closed and is negatively stopping me from getting credit. The following five accounts are closed & included in my backtuptcy but still appear on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25 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: TX

Complaint narrative:
Account is still showing in my credit report as " closed '' and " included in bankruptcy '' but the account should be deleted off my report because it is closed and is negatively stopping me from getting credit. The following five accounts are closed & included in my backtuptcy but still appear on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-11-25 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: CA

Complaint narrative:
My name has been XXXX XXXX XXXX since I got a divorce in the year XX/XX/XXXX. I married XXXX XXXX XX/XX/XXXX. When we got divorced I went back to my maiden name which is XXXX. I do not understand how it magically went back to XXXX? Can someone PLEASE help me regarding this matter. Also I have filed a police report as well. 
XXXX Bless Truly, XXXX XXXX XXXX XXXX Born 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
Consumer complaint received 2017-11-25 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: IN

Complaint narrative:
I have utilized XXXX XXXX for over one year and in that time have had numerous hard inquiries put on my credit by an unknown person using an old address of mine. I 've contacted each credit reporting agency, the sheriff Dept, and the ftc and " no one can do anything about it ''. The credit inquiries continue despite multiple fraud alerts placed on my credit and the companies refuse to remove the inquiries despite my insistence that my credit is being fraudulently used. 
I will soon be obtaining legal counsel for this issue if it can not be remedied. Thank you for your assistance in this matter.

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