vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Credit Karma, LLC
State: MO

Complaint narrative:
Credit Karma website suggested applying for credit with excellent and above advances to obtaining credit. Par their suggestions I applied for credit and was denied for two suggested credit beyond excellent. 

Denied with XXXX XXXX, and XXXX. When I called them and both companies, it was stated that both companies do not have contact or any working relationship with Credit Karma who is advertising their cards on their website. I told them it is not fair it a fair practice to lie or mislead persons into applying for credit and costing us credit points. 

I also told them they should put up disclaimers to warn customers not to apply in that this could affect their credit and a warning that they do not have the authority to make suggested marketing seeing as they do not and can not make professional recommendations that credit will be granted. 

They should not be using subliminal suggestions via website and the companies do not support their suggestive recommendations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
On XX/XX/2017, I requested validation from XXXX XXXX regarding a collection they are reporting with the three credit bureaus. As of this day they have failed to validate the alleged debt they are attempting to collect. Since they continue to report this to the credit bureaus and have failed to validate the debt they are in violation of the FCRA and my rights. I've sent the attached certified letter with return receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
They reduced my credit limit by {$7000.00} when I was about to use it, of course. They refuse to tell me why and only refer me to a letter that has been supposedly sent, but never received. So I can't get any information as to why and there was not a notice received by me. 

In addition, after I chatted with someone named XXXX, who refused to answer why the limit was reduced, I gave her a poor survey and suddenly I'm locked out of my online 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 2018-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: OH

Complaint narrative:
SUNRISE CREDIT SERVICES Account number XXXX I received a letter stating that this account would be removed directly from SUNRISE CREDIT SERVICES they failed to provide proper validation and verification as specified in FDCPA Act. Fair Debt collection Practices Act, 15 USC 1692 Sec. 809 ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. This would include affidavits since said records or documents upon which your office has sent are not original and not admitted into evidence or attached to the complaint or affidavit. I am sorry what affidavit? I was unable to find anything that shows, SUNRISE CREDIT SERVICES, or any third party law firms and collection agencies are in accordance with the OHIO LAW 1319.12 ORC. License required ; application ; fees.

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 2018-03-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I applied for credit with XXXX. I was told that because I applied for credit with the year that they have to option to denied credit and every company has their own set of rules to deny credit. They denied because of applying for credit, they do not advertise or inform customers of this practice and after youve applied for credit you are denied and suffer harm to credit score.

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 2018-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
In XXXX, upon checking my credit report, It came to my attention that a Synchrony Walmart Credit card was opened fraudulently in my name. I sent debt validation letters to both Synchrony and XXXX XXXX XXXX, and for a month it was either Synchrony saying they sold the account to XXXX   XXXX and that I should deal with them directly. 

I sent XXXX my FTC Identity Report along with other supporting documents, and I never heard anything back. XXXX XXXX, tried to sue for another account that was opened fraudulently, so out of fear of being sued and dragged back into a courtroom I took a settlement paying a total of {$510.00} I sent Synchrony Bank a packet of information with supporting documents, and recently Synchrony Bank sent me a letter in the mail and ruled in my favor that the Account ending in XXXX was opened fraudulently. 

Every time, I asked XXXX for debt validation they sent me the attached letters. It just states that Synchrony sold the account to them and that was enough to establish its validity.

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 2018-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Account review inquiries unauthorized by me.

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 2018-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc. (FL)
State: NY

Complaint narrative:
i take my credit very serously, always on time and pay bills in full. i am a member of XXXX and recieve monthly updates about my credit. a couple weeks ago i recieved an email from them about a decrease in score due to a debt collection. turned out to be a XXXX dollar medical bill that i never recieved any notification for, neither from the drs office nor the collection agency. i was so upset as im in the process of purchasing a home. i reached out to the drs office, which is in another state ( i went to XXXX school out t of state and relocated afterwards however my mother still lives at the address they had on file and always forwards me any mail she recieves. both the drs office and collection agency were extremely unhelpful. of course i paid the bill, but if it wasn't for my XXXX membership, i would still have no idea. im very upset, as there was clearly some mistake. noone even tried to call me. both the drs office and collection agency admitted to that, which i dont understand.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 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: Nelnet, Inc.
State: IL

Complaint narrative:
They are reporting on my loans now for 15 years which is far beyond the maximum credit reporting limit and XXXX claims it will be on for another year and a half?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
On about XX/XX/XXXX I contact XXXX XXXX XXXX, My loan officer prior to closing a refinance deal on my home said I had a lien with a creditor XXXX XXXX XXXX from XX/XX/XXXX when I filed for bankruptcy in XX/XX/XXXX. After receiving my updated information and SSN # there has been repeated attempts to close this case and bring it to an resolution and they will not return my calls. I can not close on the refinancing of my home and it's holding me up. XXXX XXXX is my contact person. Can you please up me in dire need

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 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: Oliver Adjustment Company of Kenosha & Racine, Inc
State: IL

Complaint narrative:
They are reporting on my loans now for 15 years which is far beyond the maximum credit reporting limit and transunion claims it will be on for another year and a half?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 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: Navient Solutions, LLC.
State: IL

Complaint narrative:
They are reporting on my loans now for 15 years which is far beyond the maximum credit reporting limit and XXXX claims it will be on for another year and a half?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 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: NY

Complaint narrative:
Someone got hold of my information and opened up lots of accounts in my name and now I have a lot of negative information on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Movement Mortgage LLC
State: TX

Complaint narrative:
I was being told one thing one the phone then was told I had to sign something totally different from what I was told verbally. Each time I have asked questions I was threaded that if I did not do what was asked I would not get my house.

The Mortgage Company made me miss my original closing date which should have been XX/XX/XXXX due to them not turning in paperwork to underwriting as well as them not getting the paperwork over to the Title Company in time. I gave my credit card information on XX/XX/XXXX to pay for the appraiser. They call me onXX/XX/XXXX to try to bully me out of closing. Then then told me I had to sign to extend the closing or I would lose all of my money.

I also was given a final closing amount 3 days before closing then I was told 2 hours before closing that I had to bring {$1500.00} more to closing and if I did not I would loose all my money plus not get the house.

This Company has been harassing me. I have email proof that nothing else was needed now that I am in my house but this Company is still calling around asking things about me. XX/XX/XXXX I sent a email asking why is people from their company having people call to verify information when I already have the home and my loan has been sold. They refuse to answer this questions. I even only gave them written consent to verify information until XX/XX/XXXX.

This Company has even been calling my Employer trying to get me fired.

I pray that someone can please help me. I had taken it to Management and that is why I am now filing a compliant. They refused to solve my issue.

I even had to pay for a attorney on the behalf of the Mortgage Company and neither one of them showed up at closing and I still had to pay them or I would not get my house.

I cried the whole time I was at closing and was forced to sign papers and was told if I did not I would not get the house that THE XXXX  promised me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 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: MI

Complaint narrative:
This is to notify you that I contacted the following inquiry creditor for proof of authorization to pull my credit. I do not recall placing an application with such creditor, nor do I agree to having had my credit pulled by such creditor.

I reached out to the creditor who placed the inquiry and requested they remove the credit inquiry from my credit profile.

They have responded and does NOT have information or records in their files for an inquiry or credit application to be place on my credit report. I demand these inquiries be removed from my credit file at once : 1 ) XXXX  XX/XX/16 I am enclosing a copy of the letter mailed certified to the inquiring creditor, along with their response stating they do NOT have records of my inquiry.

With that said, I expect you to take this matter up and remove the credit inquiries from my credit file today or you will be in violation of the FCRA for reporting inaccurate and unverifiable information on my credit file.

Thank you for your cooperation.

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 2018-03-21 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: NY

Complaint narrative:
Someone got hold of my information and opened up lots of accounts in my name and now I have a lot of negative information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 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: NY

Complaint narrative:
Someone got hold of my information and opened up lots of accounts in my name and now I have a lot of negative information on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect
State: IL

Complaint narrative:
I have Illinois Medicaid which paid debt in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 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: NY

Complaint narrative:
Someone got me information and opened up some account in my name XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX, XXXX, In

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 2018-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Armor Systems Corporation
State: IL

Complaint narrative:
I have Illinois Medicaid which paid in full.

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 2018-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
On XX/XX/2018, I deposited {$520.00} in an ATM in XXXX, IL. The machine took the money and displayed on the screen " I'm sorry. Because of technical problems, I can't accept or return cash right now. '' I called the number on the receipt the machine printed and was told I'd have to wait up to 10 business days while the incident was investigated, which is ridiculously longer than the immediate credit that is given on the past numerous occasions when the machines would malfunction.

I call on the 11th business day and am then told that i have to wait 45 days until they figure out what's happening. In the meantime, I suppose checks and automatic deductions to my business account have to bounce, as they refuse to credit the account while they get around to looking into the incident.

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 2018-03-21 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: NY

Complaint narrative:
Someone got me information and opened up some account in my name XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX, XXXX, In

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 2018-03-21 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: NY

Complaint narrative:
Someone got my information and opened up lots of accounts in my name.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 2018-03-21 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: NY

Complaint narrative:
Someone got my information and opened up lots of accounts in my name.XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-21 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: NY

Complaint narrative:
Someone got my information and opened up lots of accounts in my name.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 2018-03-21 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: CA

Complaint narrative:
Upon graduation, I was unaware that my prior loan would not have a 6 month grace period. I received a 90 day late on my credit report and realized something was wrong. When I contacted XXXX, they offered me forbearance. I asked them about the late to my credit report and they said that I could provide my forbearance letter to the credit bureaus to have the late removed. To date, they have refused to provide me with a letter that states that my loan was in forbearance. They sent a flimsy email that I sent to the credit bureaus that did not change anything because the email is not an official letter stating that I was granted forbearance. Their actions have dropped my credit score by 60 points. Furthermore, they convinced me to sign up for paperless billing but do not tell students that in the event there is a problem with the account they will not call or write you. The email I signed up with years ago was hacked. I no longer had access to the email which means I did not have access to their noticing. This is unfair. It allows them to keep consumers uninformed and make statements like " the fine print in your contract says ... or we don't have to contact you because you're in paperless billing. '' It also allows them to get away with collecting additional interest and keep students in the dark. It's really unacceptable. I am repaying my student loan now but the damage to my credit has caused additional financial hardships which do not allow me to pay more on my student loans. XXXX doesn't seem to care about this because the longer it takes me to pay the more interest they can collect and the only way they can prevent people from paying is to damage them financially ( credit ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion is reporting on this account for over 15 years and says to be posted for another year and half way past the maximum statute.

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