vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-25 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: IL

Complaint narrative:
When reviewing my credit report I noticed XXXX XXXXXXXX XXXX performed a hard inquiry on XX/XX/XXXX that was unauthorized. I contacted the the company and was told there was nothing they could do to remove it so I immediately filed a complaint with the XXXX and Office Of The Attorney General. I already had an account with XXXX XXXX XXXX that was opened XXXX which would have been the only time they were authorized to do a credit check. In XXXX of XXXX, I fell 30 days behind with my payments and instead of XXXX XXXX XXXX contacting the Credit Bureau to report a 60 day late payment, they did an unauthorized credit check. I have sent an attachment with this letter that I received from Office of Attorney General with a response from XXXX XXXX that they have requested the inquiry be removed. I spoke with a representative at Equifax on XX/XX/XXXX and was informed that the inquiry still remains on my credit report. As of today, XX/XX/XXXX, the inquiry has not been removed. I would like for Consumer Finance Protection to assist me in getting this matter finally resolved. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 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: AZ

Complaint narrative:
I opened A credit card with XXXX XXXX XXXX with a credit limit of {$400.00} on XX/XX/2018. After a few weeks of use they suspended my card for investigation. I called to see why and they said one of the credit bureau showed my social security number changed. They requested I show proof from social security office that the social security number I used belonged to me which I provided and mailed to XXXX  XXXX XX/XX/XXXX.Even after I showed proof my account was still closed onXX/XX/2018. I then Called to pay balance off since credit card was closed and submitted payment of {$400.00} on XX/XX/2018. On my XXXX report the information referenced is correct. Reason for complaint is that the credit bureau Experian is still reporting account opened and in derogatory. Experian also shows another error of account balance at {$2100.00} for XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 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: OR

Complaint narrative:
Credit reporting companies allow accounts that have nothing to do with credit be placed on credit reports. XXXX should not be allowed to report to a credit report because they offer services and not consumer loans or any form of credit, like credit cards..etc. I ask that Experian remove the account from 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 2019-02-25 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: Exeter Finance, LLC.
State: WI

Complaint narrative:
XXXX and XXXX both were sent documents that showed I was never late on Exeter Finance and they refuse to view my documents and fix the error. The company say that they use the day they process and not the actual day they receive payments and paper work.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
RE : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL-XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX + XXXX, tax parcel # XXXX Dear Sir or Madam, I have purchased a lot at the above address in XXXX. I had planned to build a house and move there with my wife upon our retirement. However, XXXX XXXX refused to advance payments against the mortgage for the construction. XXXX bought this loan from XXXX, out of bankcruptcy. 

We had originally taken out a construction to permanent loan with the now defunct XXXX. The loan was saddled with very high fees and closing costs. Also, the interest rate was initially high at 7 %, despite my, at that time, very high credit rating. XXXX issued payments to the mortgage broker ( commissions ), the real estate agent who sold us the lot as well as an initial draw to the original contractor that was supposed to build the house. Those draws were issued against my loan with nothing in return to me, resulting in a much higher balance than if I had just bought the lot. The contractor never did any construction but pocketed the money advanced to him by XXXX. 

After XXXX went bankrupt in XXXX, XXXX Bank purchased the loan for XXXX cents on the dollar. Even though this was a construction to permanent loan, XXXX XXXX refused to pay for the construction of the house. At that point, I had already paid out several XXXX dollars out of pocket to the contractor for site preparation. So I got stuck with the sunk cost of not only XXXX of dollars in unnecessary loan costs, but also the sunk cost of the site preparation. 

Even though XXXX Bank reduced the interest on the loan, they have collected more in interest on this loan than what they had originally paid for the entire loan. Over the past 10 years, I had asked XXXX XXXX three times to reduce the outstanding principal or to take the property back ( deed in lieu ), but they had always refused. 

I am XXXX XXXX old and my wife and I only receive Social Security income and a few XXXX dollars in rental income per month. Our out of pocket medical expenses are mounting and in order to continue making payments on the above-mentioned loan, we will soon be forced to sell our home. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-25 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: ERC
State: OR

Complaint narrative:
Credit reporting companies allow accounts that have nothing to do with credit be placed on credit reports. XXXX should not be allowed to report to a credit report because they offer services and not consumer loans or any form of credit, like credit cards..etc. I ask that XXXX  remove the account from XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 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: OR

Complaint narrative:
Credit reporting companies allow accounts that have nothing to do with credit be placed on credit reports. XXXX should not be allowed to report to a credit report because they offer services and not consumer loans or any form of credit, like credit cards..etc. I ask that XXXX remove the account from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 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: VA

Complaint narrative:
I was placed into a ( Navient ) payment plan I believe during XX/XX/XXXX and payments were made of {$130.00} from that point up until today. However, during XX/XX/XXXX i received a phone call stating that the program that i agreed to was not the right one any longer so I had to complete the over the phone process again and agree to terms. I then received a phone call in XX/XX/XXXX stating that the program was not the correct program again and I had to do the entire agreement over the phone again. In XX/XX/XXXX I received another phone call stating that I was not in the correct program although payments were still being automatically taken out of my account. I was apprehensive about these phone calls as it seemed every month i was getting a call stating that it was the wrong program, so I waited to see if another payment was going to be drafted as it in fact was. I believed that since payments were coming out, that I was still in the program and i did not receive anything in writing stating otherwise. I then finally received a letter in the mail in XX/XX/XXXX stating that I was now in default and the balance was due of XXXX. The entire time payments were being made and I agreed to the program they advised me on. I don't think it is fair and practical to call three months  straight saying I was in the wrong program although i agreed to the terms and made payments. I need help getting out of the default status and I believe the burden should be on them as they gave me wrong advice and stated that I was in a program for repayment. Thank you! I plan to call again to try and resolve this, however, they are not being as understanding as they should.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: CO

Complaint narrative:
Wereas, XXXX XXXX XXXX, Ruasch sturm and The appointed Fiduciary XXXX XXXX XXXX received a NOTICE OF DISPUTE AND A NOTICE OF FIDUCIAY RESPONSIBILITY PRODUCTION OF TRUST INDENTURE on or about the XX/XX/XXXX, the appointed Fiduciary XXXX XXXX XXXX on or about the XX/XX/XXXX filed a Motion For Defualt judgment and on the XX/XX/XXXX was granted an oreder for judgment. on or about the XX/XX/XXXX i filed a Judicial Notice stating that, XXXX XXXX XXXX, Rausch sturm and the appointed Fiduciary XXXX XXXX XXXX failed to answer the notice of Dispute. 
Whereas, I XXXX XXXX never recieved a letter stating that they recieved the NOTICE OF DISPUTE and if they ever investigated the debt and or the conclusion of the investigations. 
Whereas, XXXX XXXX XXXX, Rausch Strum And the appointed FiduciaryXXXX XXXX XXXX, willfully and wanton act dangerously, done heedleesly and recklessly without regard to consequences or of the rights and safety of others and conduct a act of malice intentions which were to mislead, XXXX county court administrator and defraud the UNITED STATES GOVERMENT with false represantation or deceptive means to collet or attempt to collet a debt unlawfully. 
Whereas, XXXX XXXX, and family are intitled for Relief, under Colorado revised statutes Title 13 courts and court procedure XXXX limitations on damages for non - economic loss or injury We pray that the ( CFPB ) and the XXXX County Court Administrator grants XXXX XXXX, and family relief and ORDERS XXXX XXXX XXXX, XXXXausch Sturm And the appointed Fiduciary XXXX XXXX XXXX to pay on damages for non - economic loss or injury

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
For the past 2 years I have tried to submit a mortgage workout package with my current mortgage company and has been a hassle as they always claim that my documents are incomplete. I have submitted a complete package again on XX/XX/2019 and I was advised by the rep that its assigned to my loan that it was a waste of time that would not be reviewed. 


I don't know where to go now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP
State: CA

Complaint narrative:
The bank took away my capability to earn points. I'm below a threshold of cashing in my points on my account for a gift card. I'm just shy of XXXX. The lowest amount I can use is XXXX. I do not have an option to cash in my remaining points.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I received a copy of my credit report from the three major credit bureaus. In accordance with Federal Law, I exercised my right to dispute negative items off of my credit reports and received no response. I was very specific pertaining to the corrections that need to be applied to ensure the accounts on my reports are 100 % accurate and 100 % verifiable, and they have ignored and/or overlooked my requests.

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 2019-02-25 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: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
XXXX is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records. There is only 1 account reporting to XXXX which are fraudaulent & I'D like that to be removed from my report. They claim they verified the account with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I received a copy of my credit report from the three major credit bureaus. In accordance with Federal Law, I exercised my right to dispute negative items off of my credit reports and received no response. I was very specific pertaining to the corrections that need to be applied to ensure the accounts on my reports are 100 % accurate and 100 % verifiable, and they have ignored and/or overlooked my requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-25 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I received a copy of my credit report from the three major credit bureaus. In accordance with Federal Law, I exercised my right to dispute negative items off of my credit reports and received no response. I was very specific pertaining to the corrections that need to be applied to ensure the accounts on my  reports are 100 % accurate and 100 % verifiable, and they have ignored and/or overlooked my requests.

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 2019-02-25 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have absolutely no idea what these accounts are, I have never opened a account with this creditor. I have notified my local Police department ( XXXX XXXX county sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts. 

I have been in contact with the office of the Attorney Generals office of California - XXXX XXXX, which has guided me in the process of filing these reports. 

Under the FCRA 2009 ( a ) ( 3 ), the creditor in question has been notified that the debt occurred was the result of identity theft. Under the FCRA the original debtor in question must relinquish any attempt to collect this debt, with reasonable documentation stating the event of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
On XX/XX/2018 " Waypoint Resource Gr '' has opened an account in XXXX reporting that I'm in debt of {$270.00} from an original creditor " XXXX XXXX XXXX '' I have received service from " XXXX XXXX XXXX '' starting from XX/XX/2018 and ended my service on XX/XX/2018. I have communicated with that company to make sure that my account was in good standing and they assured that everything was intact and that my account was in good shape. I never received a letter nor email stating that I owed any amount to either XXXX XXXX XXXX nor Waypoint Resource Gr. XX/XX/2018 I received a call and was lied to, or mislead. The company called saying they were calling for a job opportunity, and they wanted me to verify my name and address. After I provided that information, they then stated the name of the company " Waypoint Resource Gr '' and said they were calling to collect a debt of the amount of {$270.00}. This negatively has affected my credit score tremendously because " Waypoint Resource Gr '' reported the same thing twice in different dates on Equifax. Waypoint Resource Gr has opened two account for the same amount on different dates which are XX/XX/2018 and XX/XX/2018 for {$270.00}. It seems that they are trying to collect more than what there asking for which is unlawful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have absolutely no idea what these accounts are, I have never opened a account with this creditor. I have notified my local Police department ( XXXX XXXX county sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts. 

I have been in contact with the office of the Attorney Generals office of California - XXXX XXXX, which has guided me in the process of filing these reports. 

Under the FCRA 2009 ( a ) ( 3 ), the creditor in question has been notified that the debt occurred was the result of identity theft. Under the FCRA the original debtor in question must relinquish any attempt to collect this debt, with reasonable documentation stating the event of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have absolutely no idea what these accounts are, I have never opened a account with this creditor. I have notified my local Police department ( Los Angeles county sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in Los Angeles to report these accounts.

I have been in contact with the office of the Attorney Generals office of California - XXXX XXXX, which has guided me in the process of filing these reports. 

Under the FCRA 2009 ( a ) ( 3 ), the creditor in question has been notified that the debt occurred was the result of identity theft. Under the FCRA the original debtor in question must relinquish any attempt to collect this debt, with reasonable documentation stating the event of identity theft.

Company response to consumer: Closed with explanation