vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In trying to place a credit freeze for heightened security as recommended by XXXX, I got on to the Transunion site and with a very perky " Tell us about yourself! '' in bold fonts and colors, I filled out the form as it prompted, " Do you want your credit score and credit report? '' As I did want it and not realizing that I needed to go to CFPB for this information, I filled in the forms, not noting the separate boxes to the side. The top separate box had a sample credit score and was clearly an ad for their services and a lower box ( that my eyes skipped over because this was an ad, right? ) with a font that was a third the size of the " tell us about yourself! '' says " you have chosen credit monitoring for XXXX mo. '' I completed the form on three pages. # 2 was create your account, # 3 was verify your identity. At no point did it prompt me ( as all other business sites do ) to agree that I was paying for this service. 
My fault not to realize that if they were asking for credit card info it was for payment and not for a verification of which card I was creating the credit on! I don't think I am XXXX  as I have an advanced degree ( That's my excuse anyway. ) This looks like a misleading way to process a charge. It felt as if it was meant to confuse. They nicely refunded the monthly recurring charge but " nothing could be done '' about the credit report charge as I had already received it. This is a tainted business practice and it felt underhanded. To add insult to injury, My practice of living debt free, paying the mortgage in full, cash for the new car and prompt credit card payments each month for 30 yrs. got me a rather low score of 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 2018-08-06 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:
I have been requesting an inquiry deletion off my Equifax credit report by XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, Indiana XXXX. I submitted a dispute via telephone at XXXX on XX/XX/2018 due to an unauthorized inquiry by this company and an agent by Equifax stated that they could not remove the inquiry but the company itself had to submit documentation requesting the inquiry removal off my credit report even if it was not authorized. I contacted the company XXXX XXXX at XXXX XX/XX/2018 and they said that they could not submit anything to Equifax to remove the unauthorized inquiry and its solely up to Equifax discretion. I called Equifax right back and told them what was told to me and an agent said they would investigate the issue during the dispute process however, a few days later I received a letter stating by Equifax that the dispute has been investigated and they could not remove the unauthorized inquiry and indeed XXXX XXXX will have to. Both companys refuse to do anything about this issue and stating its up to the other one to remove the unauthorized inquiry. I told Equifax via telephone XX/XX/2018 at XXXX there should not have been this unauthorized inquiry allowed seeing as though I placed a freeze and fraud alert on my credit report on XX/XX/2018 which was processed a month and a half PRIOR to this inquiry due to identity theft. Please Help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 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: CA

Complaint narrative:
This is the 5th time I've tried to fix the status of my Car Loan Account. Even though, credit reporting agencies asked XXXX XXXX XXXX XXXX to validate information and XXXX XXXX XXXX XXXX stated it was correct, when delinquencies weren't. 
I finally received a letter from them saying my account will be updated within 15 days from all credit reporting agencies. Please, I lost 75 points the first time the late payment occurred. I would like to get my 75 points back since my account finally had been brought back to current due to a misunderstanding. 

Attached letter from 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 2018-08-06 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: IL

Complaint narrative:
I am requesting the removal of these bankruptcies ( below ) on my Experian credit report due to their failure to provide me with verifiable proof required for their company to post the accounts listed below is evidence that it does not exist and therefore is proof that they can not properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they were required to promptly DELETE all information which can not be verified., Experian has violated the Fair Credit Reporting Act ( FCRA ). Please have them remove these bankruptcies ASAP. 
Furthermore, I disputed this inaccurate information on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. Experian REFUSES to disclose who verified this inaccurate information. I also contacted the bankruptcy court via mail at XXXX XXXX XXXX, XXXX, Il XXXX and they stated they do not correspond with credit bureaus and never verified this information with Experian which documentation of said information by the Court is attached. 
Due to the inaccurate information XXXX  deleted these bankruptcies and I asked Experian to follow suit in which they did not and continue to report this unverified inaccurate information on my credit report. Attached are documents supporting my aforementioned claims against Experian and its imprecisions. 
Bankruptcy Ref. # XXXX & Bankruptcy Ref. # XXXX Warm regards, 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 2018-08-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
XX/XX/XXXX - I entered into repayment for my private loans a monthly payment of {$1300.00}. I requested a lower monthly payment amount and learned I was already at the lowest payment with no other options available. I just completed my XXXX and will be responsible for the repayment shortly ( XX/XX/XXXX ). 

Equally important, I try to contact the company during their posted business hours and receive automatic system stating the office is not open. There are times when I receive an agent and experience a transfer to another department assigned to my account. Of course, the assigned department is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 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: CA

Complaint narrative:
This is the 5th time I've tried to fix the status of my Car Loan Account. Even though, credit reporting agencies asked XXXX XXXX XXXX XXXX to validate information and XXXX XXXX XXXX XXXX stated it was correct, when delinquencies weren't. 
I finally received a letter from them saying my account will be updated within 15 days from all credit reporting agencies. Please, I lost 75 points the first time the late payment occurred. I would like to get my 75 points back since my account finally had been brought back to current due to a misunderstanding. 

Attached letter from XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 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: CA

Complaint narrative:
This is the 5th time I've tried to fix the status of my Car Loan Account. Even though, credit reporting agencies asked XXXX XXXX XXXX XXXX to validate information and XXXX XXXX XXXX XXXX stated it was correct, when delinquencies weren't. 
I finally received a letter from them saying my account will be updated within 15 days from all credit reporting agencies. Please, I lost 75 points the first time the late payment occurred. I would like to get my 75 points back since my account finally had been brought back to current due to a misunderstanding. 

Attached letter from 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 2018-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Riverwalk Financial Corporation
State: GA

Complaint narrative:
This is a debt from years ago that had already fallen off my credit report. There was no communication whatsoever from this company. This company has randomly popped on my credit report twice. First XXXX. The first time it popped up on XXXX  I disputed it and it was removed. The second time it popped up on my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. XXXX XXXX/XXXX, Account Number XXXX ( Experian 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 non-monetary relief
Consumer complaint received 2018-08-06 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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. XXXX  XXXX/XXXX, Account Number XXXX ( XXXX  and Transunion ).

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 2018-08-06 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: SC

Complaint narrative:
I have sent several documents showing the credit bureaus that the following accounts were deleted from my credit report from XXXX : XXXX XXXX XXXX XXXX XXXX XXXX- listed before as XXXX XXXX XXXX XXXX ( Experian ) -this company notified all credit bureau informing them of fraudulent charges XXXX XXXX Accounts- Unauthorized signature on Loans from XXXX XXXX University and XXXX XXXX. XXXX XXXX- I have one account not ten XXXX XXXX accounts were sent to collections violating HIPPA. 

The accounts were added back to credit reports. This has stopped me from becoming a home owner. 
Please investigate this matter because I have requested the original documents with signature but the credit bureaus are refusing to provide this information. I feel this is discriminatory and bias. No one should have to send documents on top of documents and the information is still on the credit report. In addition to this, I am told to contact the creditors for documents. Why is this? A consumer reporting agency suppose to provide that information. According to Section 609 ( Every consumer reporting agency shall, upon request, and subject clearly and accurately disclose to the consumer.

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 2018-08-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MN

Complaint narrative:
In XXXX, I completed a consolidation for my student loans. In XXXX, the Public Service Liam Forgiveness program began. A borrower who worked in a qualifying public service job was required to have consolidated loans and make 120 payments on a qualified repayment program. I had all that! As I neared the end of what I thought were my 120 payments, I contacted my lender to inquire about how to proceed. At that time, I find out my consolidated loans arent in the right program. I had consolidated my loans as FFEL, and that didnt count. I spent 7 years paying that didnt count. I had to go through another consultation in a Direct loan program and start 120 payments all over again. 
As I do more research, I see that there are many, many people in my same situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 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:
I have sent several documents showing the credit bureaus that the following accounts were deleted from my credit report from XXXX : XXXX XXXX XXXX XXXX XXXX XXXX- listed before as XXXX XXXX XXXX XXXX/XXXX ( XXXX ) -this company notified all credit bureau informing them of fraudulent charges XXXX XXXX Accounts- Unauthorized signature on Loans from XXXX XXXX University and XXXX XXXX XXXX XXXX- I have one account not ten XXXX XXXXl accounts were sent to collections violating HIPPA. 

The accounts were added back to credit reports. This has stopped me from becoming a home owner. 
Please investigate this matter because I have requested the original documents with signature but the credit bureaus are refusing to provide this information. I feel this is discriminatory and bias. No one should have to send documents on top of documents and the information is still on the credit report. In addition to this, I am told to contact the creditors for documents. Why is this? A consumer reporting agency suppose to provide that information. According to Section 609 ( Every consumer reporting agency shall, upon request, and subject clearly and accurately disclose to the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: CA

Complaint narrative:
in XXXX  2016 I reported my card stolen ... XXXX XXXX XXXX said and I quote., the banis the victim..XXXX was taken from my card, In store camera shows the people that took my money off my card at a XXXX XXXX in XXXX ca. and I was told oh well..im XXXX  and that was my rent money..now I'm still XXXX, and I feel cheated..i was a victim of these people and no one was punished and I wasn't reimbursed..my dispute was denied 3 times when I was stole from and I feel that is wrong ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Heritage Financial Group, Inc.
State: OH

Complaint narrative:
We know that we have fallen behind on some payments but the company has told us if we show proof to why we are behind they can do a two for one payment or pay such amount that it will catch us up. But in reality we now owe more than the worth of the car. We got the car XX/XX/2016 for XXXX now they are saying we owe over XXXX for the car. We have provided documentation Everytime they have asked for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/18. I went to town for shopping. When we got to town ( 2 hours commute ). I realized I forgot my bank ATM/ debit card. I did have my capital one credit card. And had about 900 available balance. 
So i decided, I will use this card. Everything was ok until we went to XXXX. My total amount was XXXX. And my card was declined and the machine stayed to call the credit card company. I did call them. They stated my card was flagged for suspicion of fraudulent use. I told them and they cleared me, stating it was me. It might have been flagged because I had not used the card in so long. They " unlocked '' my card. That's was 20 minutes of being on hold and trying to clear my account. And we had to stand outside the store because there was poor cell signal. My daughter had to stand with me in the heat. We went to our next place- XXXX XXXX XXXX. And my card declined for 80 some amount. My XXXX XXXX XXXX started getting frustrated of her mom talking on the fone for another 25 minutes. She crawled under the cart and got frustrated. They " unlocked '' my fone again. I stayed on the fone with them as we went to XXXX. I wanted to talk to a supervisor. The guy started being a bit to sarcaisc because I demanded to talk to a supervisor because I already answered all the questions needed to unlock my card twice and did not want to go thru this again. He sed " I explained this already and it was recorded, '' i told.him, well, the recording will.show how long i was placed on hold and how long this is taking. Not to mention, the recording will also show you, not transferring me to a supervisor. I was so was embarrassed and, by now, I got so frustrated, my daughter and I didn't enjoy our trip to town. I even forgot items because I was on the fone for a long time. Then he finally started to transfer my fone call, he transferred me to another customer service persons who spoke to me in some other language. He finally spoke back to me in English. He stated he was a customer service representative for Spanish speakers. He finally transferred me to a supervisor. He assured me he over wrote the system and I should not be worried my card would not decline. I told him, if I cleared all the questions that it was me, then why did I have to call again and to be embarrassed and afraid to use my card. I have been a loyal customer. And a month ago, I went to XXXX XXXX and used one of my other credit cards with no problem. 
We got home. We did not enjoy our trip to town. I spend so much talking and waiting on hold. I even had to make another trip to XXXX because I forgot items. And we got home, I still forgot several other items we needed. 
I needed to make 3 more stops but i was so afraid my card to decline, we didn't go.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-06 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:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

Bankruptcy chapter XXXX-XXXX, Reference # XXXX ( Experian, XXXX  ), Bankruptcy chapter XXXX, Reference # XXXX ( Experian, XXXX, XXXX ), Bankruptcy chapter XXXX, Reference # XXXX ( Experian, XXXX, XXXX ), XXXX XXXX   XXXX XXXX, Account # XXXX ( Experian, XXXX, XXXX ), XXXX   XXXX, Account # XXXX ( Experian, XXXX ), XXXX XXXX XXXX, Account # XXXX ( XXXX ), XXXX XXXX, Account # XXXX ( XXXX ), XXXX XXXX XXXX XXXX, Account # XXXX ( XXXX ), XXXX XXXX XXXX XXXX, Account # XXXX ( XXXX, XXXX ), XXXX XXXX IL, Account # XXXX { XXXX ), XXXX XXXX, Account # XXXX ( XXXX, Experian, XXXX  ), XXXX XXXX, Account # XXXX ( XXXX, Experian, 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 2018-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
When we got modification in 2015, during process I lost my job, but my small income was included to modification process. After we received modification, I told SPS that I lost my job and considered to recalculate our payment, but agent told me to either take SPS offer or sell home. We wanted to save our house, and we had tried to pay mortgage every month. 
Our mortgage got behind again about 2~3 months payments this year, and currently I still do not have job because I need to take care of XXXX children, it is not easy for XXXX and woman who is getting old to find a job. My husband has XXXX XXXX on his XXXX and limited mobility, but trying to pay mortgage. So SPS suggested to apply modification again, and I submitted all of documents around XXXX and XXXX and waited for response. SPS kept calling and left agent 's name and phone number almost every day, but they did not leave any detail. I called SPS to find out the result, but when I called in XXXX, they told me that they did not receive some documents which I submitted through email, and bank statements were old which was current when I submitted in XXXX. SPS never give me any update of modification and I only received every day phone call. I was told from a lawyer I found on some website, and he told me that SPS will never work with you to modify our mortgage. I was terrified. I want to keep our house and I don't know what to do with our limited income. Please help us.

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