vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-19 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: Credit Plus Inc
State: TX

Complaint narrative:
i have about  XXXX  credit hard inquiries that were randomly on my account all within a weeks time frame.     I did not make these inquiries as I was building my good credit starting at a score of  XXXX , and these inquiries knocked me down to a score of about  XXXX  I have contacted the credit bureaus as well as the credit companies who processed the hard inquiries.   They said it was authorized, although this was online transactions, that I did not do!     I have authorized  XXXX  inquiries but at the time my ID was stolen by a former roommate, so I am assuming it was inquiries by this individual who no longer lives with me ... if not it has to be hackers!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
i have about  XXXX  credit hard inquiries that were randomly on my account all within a weeks time frame.     I did not make these inquiries as I was building my good credit starting at a score of  XXXX , and these inquiries knocked me down to a score of about  XXXX  I have contacted the credit bureaus as well as the credit companies who processed the hard inquiries.   They said it was authorized, although this was online transactions, that I did not do!     I have authorized  XXXX  inquiries but at the time my ID was stolen by a former roommate, so I am assuming it was inquiries by this individual who no longer lives with me ... if not it has to be hackers!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Sometime between  XXXX  and  XXXX   2017 ,  Citi Credit Services closed my Home Depot account and sent it to collections. I was never behind on any payments, nor was I in default. The collections agency has told me that Citi closed my account because someone has reported that I had filed bankruptcy, which I had not done. Citi will not let me log in to service my account online any longer, no will they speak to me on the telephone, stating that my account is now in collections and I have to only deal with the collections agen cy. Th ey will not even give me any assistance as to when or how they received the incorrect information so that I can file a law enforc ement identity theft re port.

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 2017-06-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I feel my rights under FCRA has been violated due to being denied copies of documents that were supposedly used to validate accounts and public records on my credit files. Ive been trying to resolve multiple negative student loans accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: FL

Complaint narrative:
This debt of {$400.00} was paid off i n 2016 through the original company (   XXXX   XXXX   XXXX   ). I DO NOT HAVE ANY DEBT WITH THIS COMPANY ( EOS CCA ) NOR DO I HAVE ANY TYPE OF CONTRACT WITH THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 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: FL

Complaint narrative:
I had a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that wasnt't done and that violates my rights as a consumer. I have reached out to the credit bureaus on several occasion to resolve 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
Consumer complaint received 2017-06-19 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: FL

Complaint narrative:
I had a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that wasnt't done and that violates my rights as a consumer. I have reached out to the credit bureaus on several occasion to resolve 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
Consumer complaint received 2017-06-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I feel my rights under FCRA has been violated due to being denied copies of documents that were supposedly used to validate accounts and public records on my credit files. Ive been trying to resolve multiple negative student loans accounts 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 2017-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
XX/XX/XXXX XXXX XXXX {$5300.00} I HAVE TRIED CONTACTING THE MERCHANT WHICH LED TO DEAD ENDS AND RED FLAGS. I ALSO CONTACTED ATT UNIVERSAL CITICARD TO FLAG THIS CHARGE AS FRAUD. I HAVE BEEN DEALING WITH THIS CLAIM FOR MONTHS AND FINALLY WAS TOLD ON XX/XX/XXXX BY A MAN NAMED XXXX, A SUPERVISOR IN THE FRAUD/SECURITY DEPT, THAT THE CREDIT WOULD BE THERE BY THE 2ND WEEK OF XX/XX/XXXX. IT IS NOW XX/XX/XXXX AND I HAVE BEEN TOLD THAT I HAVE TO START ALL OVER AGAIN. THEY WANT ME  TO RE-SUBMIT A CLAIM LIKE IT NEVER HAPPENED AFTER I HAVE BEEN CALLING AND WAITING FOR MONTHS AND THERE ARE PLENTY OF RECORDS AND NOTES ON THE ACCT FOR ALL THE TIMES I CALLED AND THAT I WAS TOLD I WAS GETTING MY CREDIT BACK AND THE INVESTIGATION WAS OVER. I HAVE DONE EVERYTHING THEY HAVE ASKED ME TO DO AND THEN SOME. I HAVE A BEEN A CUSTOMER FOR A VERY LONG TIME SO THIS IS VERY SAD THAT I HAVE TO GO TO THIS LENGTH AND I EXPECTED TO GET THIS TAKEN CARE OF WITH NO ISSUE BUT THIS IS GETTING TO A POINT WHERE I M CONSIDERING CANCELING MY ACCOUNT AFTER 27 YEARS.

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 2017-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax lists my name as  XXXX   XXXX , but it should be  XXXX   XXXX . The second "  XXXX  '' should be an "  XXXX  ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
I have a loan  with DITECH.  I applied for a loan modification  XXXX   XXXX . I was approved for a trial modification in  XXXX   XXXX . I had to comple te four ( 4 ) t rial payments by  XXXX   XXXX . I completed my trial payments in  XXXX   XXXX  bu t DITECH has not sent me anything in writing regarding the approval of my loan modification. I was advised by my account rep to continue to make the trial payments because the modification docs are not " ready '' ; however, I have not received any documents or anything in writing from DITECH assuring me that my modification has been approved. Even though the trial period is over DITECH continues to report negatively to the credit bureau they also continue to do collection calls and I have to keep reminding the DITECH representative that I 'M IN A MODIFICATION PROCESS. But it always seems like no one knows the status of my loan modification, and they refuse to put anything in writing! ... its like they are waiting to send me to foreclosure. Why is it that they do n't have to put anything in writing during this process? I 'm just trying to keep my home but it seems like my lender has no interest in helping me do that. Please let me know what I can do to get something in writing from DITECH regarding my modification status

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I have had problems with some merchants in which I had to file a claim with Paypal. Paypal refuses to comply with their own policy and federal law regarding my rights to dispute a charge. Cases are being ignored and never closed and I am receiving harassing emails from the company threating to close my account and take away my legal rights to file a dispute against a merchant. I am now required to fraudulently pay for all purchases regardless of never recieving the service or merchandise I paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 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: Clarity Services
State: MI

Complaint narrative:
Credit Report Inquiry on the following dates from Clarity Services  Inc. :   XXXX   XXXX ,  XXXX  - Inquiry Type : Finance Reseller,  XXXX   XXXX ,  XXXX  - Inquiry Type : Finance Reseller,  XXXX   XXXX ,  XXXX  - Inquiry Type : Finance Reseller,  XXXX   XXXX ,  XXXX  - Inquiry Type : Finance Reseller,  XXXX  Reports pulled/Inquired in little over 5 months, which I believe they are only allowed  XXXX  per calendar year even if from another company they are acting on behalf of. I called the company listed above about these report pulls and they had told me they are pulling the reports for another company and refused to provide this information unless I provided additional personal info to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: A.R.M. Solutions, Inc.
State: CA

Complaint narrative:
In short a company ca lled ARM Solutions is trying  to collect a {$65.00} debt that they claim is owed to  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . The {$65.00} was paid months ago, but ARM Solutions keeps sending me notices.  <P/> Timeline  XXXX  -  XXXX   -2017 - I fil led for  XXXX  different service requests using my home warranty,  XXXX   XXXX ,  XXXX  for dishwasher and the other  XXXX  for the fireplace.  <P/> Within the next week - The dishwasher repairman arrived and fixed the dishwasher. I did n't pay him the {$65.00} deductible because I did n't have any checks or cash and he said I could pay the home warranty company on their website.  <P/> Within the next week - The plumber arrived but said that fireplaces were n't covered by my warranty. My spouse paid him {$65.00} in cash for the deductible.  <P/> Within the Next week - I complained to  XXXX   XXXX  for sending a technician and charging me for a service that they did n't cover. They agreed to refund the {$65.00}.  <P/>  XXXX  -  XXXX  -  2017 - I receiv ed a notice from ARM solutions that {$65.00} was past due.  <P/> I called first american, they said they had n't issued me the refund yet because they were waiting on an invoice from the plumber for financial backup. I asked them to apply the refunded {$65.00} from the fireplace to the dishwasher deductible, they agreed and we settled the matter.  <P/>  XXXX  -  XXXX  - 2017 - I  received a second notice from ARM solutions that {$65.00} was past due. I contacted them and left a voicemail explaining the situation and offered to provide them written proof from  XXXX   XXXX . No one ever called me back.  <P/>  XXXX   - XXXX  - 2017 - I re ceived a third notice from ARM solutions that {$65.00} was past due.  <P/>  XXXX   XXXX   -2017 - I re ceived a fourth notice from ARM solutions that {$65.00} was past due.  <P/> I 'm now informing the CFPB so that I might receive help in getting ARM to stop sending me these notices. Not only are they a nuisance, but I am concerned they will notify a credit agency and it will affect my  credit score err oneously.

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 2017-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio recovery associates, llc Original creditor is  XXXX   XXXX  and mercant is  XXXX    XXXX   XXXX   XXXX  , I have been disputing them on my credit report that I have never signed paper work with their office. The keep sending me copies of a pay history from a   XXXX   XXXX   with no sign contract from me. I ask if they would delete it and it keep coming back the information is true. Contact number is  XXXX  The letter is dated for  XXXX   XXXX ,  2017

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have a fraud alert placed on my credit files, that indicated anyone who runs my credit report needs to call me and that was n't done and that violated my right s as a consumer. I have reached out to the credit bureau on more than one occasion to advice of the cre dit being pulled without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 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:
I feel my rights under FCRA has been violated due to being denied copies of documents that were supposedly used to validate accounts and public records on my credit files. Ive been trying to resolve multiple negative accounts on my credit report. I 'm a  XXXX   XXXX  veteran, which suffer from getting help with certain services due to inaccurate reporting-which is hurting my credit scoring. After several requests to provide documents to validate the debt below, Ive been denied copies. I feel my rights under the FCRA have been violated  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Balance : {$19000.00} Last reported  XXXX   XXXX  , 2017   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , WI  XXXX  Balance : {$5400.00} Last reported  XXXX   XXXX  , 2017     XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX , TX  XXXX  Balance : {$4400.00} Last reported  XXXX   XXXX ,2017  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Balance : {$55000.00} Last reported  XXXX   XXXX  , 2017     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Balance : {$23000.00} Last reported  XXXX   XXXX  , 2017   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Balance : {$17000.00} Last reported  XXXX   XXXX  , 2017      XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  Balance : {$2200.00} Last reported date  XXXX   XXXX  , 2017    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX  Balance : {$840.00} Last reported date  XXXX   XXXX  , 2017

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 2017-06-19 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: NV

Complaint narrative:
In  XXXX  and  XXXX  my social security number was use to file income tax and I also have over  XXXX  in quiry on my credit report which causes my credit score to drop drastically

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 2017-06-19 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:
I feel my rights under FCRA has been violated due to being denied copies of documents that were supposedly used to validate accounts and public records on my credit files. Ive been trying to resolve multiple negative accounts on my credit report. I 'm a  XXXX   XXXX  veteran, which suffer from getting help with certain services due to inaccurate reporting-which is hurting my credit scoring. After several requests to provide documents to validate the debt below, Ive been denied copies. I feel my rights under the FCRA have been violated  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Balance : {$19000.00} Last reported  XXXX   XXXX ,   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , WI  XXXX  Balance : {$5400.00} Last reported  XXXX   XXXX  , 2017     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Balance : {$4400.00} Last reported  XXXX   XXXX ,2017  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Balance : {$55000.00} Last reported  XXXX   XXXX  , 2017     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Balance : {$23000.00} Last reported  XXXX   XXXX ,   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Balance : {$17000.00} Last reported  XXXX   XXXX ,    2017    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  Balance : {$2200.00} Last reported date  XXXX   XXXX ,    2017    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX  Balance : {$840.00} Last reported date  XXXX   XXXX  , 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 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: ND

Complaint narrative:
I am a victim of identity theft and have been a victim of identity theft for over 11 years. I have 2 accounts and XXXX credit inquiries listed on my Equifax, XXXX and XXXX XXXX credit report that are fraudulent and unauthorized. The following accounts and credit inquiries are fraudulent : XXXX XXXX XX/XX/17,  XXXX XXXX XX/XX/17, XXXX XXXX XX/XX/17, XXXX XXXX XX/XX/17, XXXX XXXX XXXX XXXX XX/XX/17. Further, please add the following personal information to my credit report : Employer : XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX ND XXXX Phone : XXXX, Position : XXXX XXXX XXXX XXXX  Annual Salary : {$150000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Our home was substantially destroyed by  XXXX   XXXX . We have recieved t he RREM Grant from the state of New Jersey and are currently raising our home and have had to find  other residence. In  XXXX  we were made aware of a Forbearance of Mortgage Payments  by The  New Jersey Department  of Community Affairs. We  applied for that certification. On  XXXX   XXXX  we received a Certification of Eligibility,  XXXX  - Impacted Forbearance Certification. We contacted our Ban k Wells Fargo by g oing into a local branch and speaking with their hea d officer. We also sent Wells Fargo a certified letter with the Certification letter attached. They said they would be back in touch with us in two weeks. We have never received any notification from Wells Fargo on  how to proceed. I have paid our escrow of {$1000.00} for both the month of  XXXX  and  XXXX  so our Insurance and Taxes would be covered. They now tell me that they do not apply partial payments and I am in arrears  for two months to for {$5300.00} not taking into consideration our two payments of {$1000.00} equaling {$2000.00}. I am getting threatening letters about foreclosure and I am worried about them reporting our loan as delinquent. I just spoke with the NJ Department of Banking and Insurance and they advised me that Wells Fargo is a Federal Bank and does not come under their jurisdiction and I should make the complaint with your Bureau. Wells Fargo refuses to give me any direction on this and I am afraid this will have a great impact on my cre dit standing I took so long to attain. Please advise me of what to do.

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