vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-14 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: FL

Complaint narrative:
Dear, XXXX XXXX Yesterday XX/XX/2018 when I talked to the Customercare dept- about being contacted my Sunrise credit services inc out of XXXX there phone # that called me XXXX The gentleman at XXXX sent me a copy of the issues in dispute- it didn't match up what Sunrise credit services inc told me on the phone - however we were able to resolve and I have a {$0.00} Balance due- I am requesting a copy of the last statement with a {$0.00} Balance due with XXXX to be sent to my email to show this with my records. for future calls from Sunrise credit services inc or any other Collection company that think they have a right to steel money from me or any other person. 

Again Thank you for your help to resolve this issues ; 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 2018-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
EQUIFAX is reporting an account on my credit report that the subscriber/creditor has told EQUIFAX to delete or remove from the file. 
The account is XXXX XXXX  XXXX, ACCOUNT NO.XXXX. 
FOR VERIFICATION OF THE ABOVE contact XXXX XXXX of S.C.E. LEGAL AFFAIRS DEPT. at XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have on multiple occasions disputed incorrect information as it pertains to XXXX XXXX to all 3 credit agencies. I have never been late on this account and they have not done proper investigations on this and are leaving the incorrect information on my 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 2018-08-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have on multiple occasions disputed incorrect information as it pertains to XXXX XXXX to all 3 credit agencies. I have never been late on this account and they have not done proper investigations on this and are leaving the incorrect information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My apologies, I do not have all the dates but I have contacted Equifax on several occasions during the last two years as they do to make available my score to financial companies that require from Equifax, XXXX  and XXXX a report. I do have the latest from my bank, XXXX XXXX XXXX XXXX, XXXX. which does have a date of XX/XX/2018. When spoken by phone in the past, they keep saying on the phone they do have my score, still it does not get reported even after I filled out forms and sent direct. They have indicated in the past that I do not have long history. But my question is why the other reporting agencies have more than 20 years of " excellent history ''. Can you help correcting this? 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 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: CA

Complaint narrative:
I called Citibank phone number XXXX on XX/XX/XXXX at XXXX to be connected to a representative to report suspected fraud because a balance of approximately {$26.00} had been showing on my account despite recent payments I made totaling {$300.00}. I asked to remove any fees or interest that may have been charged to the account. Additionally, I had never been in possession of a Citi ThankYou Preferred MasterCard credit in my name card not have I ever seen such a card. Citibank. I was  assured the problem would be resolved and understood the account would be closed. I had not made any charges because I had never possessed a Citi MasterCard branded ThankYou Preferred physically or had the numbers of the card to use online. Additionally, I had never requested to open such a card product which I presume has a MasterCard logo. Going to Citibank website today to check on my accounts, I am alerted of a {$120.00} balance which it says I need to pay. I am still suspecting fraud because I have never used the card to rack up such a balance.

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 2018-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I requested investigation of 2 bankruptcy records listed on my credit file with the 3 credit reporting agencies. XXXX  and XXXX returned that they verified the information with a third party, XXXX XXXX. I received no response from TransUnion. XXXX XXXX has affirmed, with the attached letter that the 2 bankruptcy " records have been removed ''. The CRA 's are in violation of the FCRA and have lied about conducting the re-investigation and must remove the 2 bankruptcy records attached to my credit file

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 2018-08-14 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: GREAT LAKES
State: IA

Complaint narrative:
On XX/XX/2018, my credit card was charged for {$20000.00} to pay off my account. I spoke with XXXX on XX/XX/2018 and she opened a ticket to make sure payments are updated because she could see that fund were received on XX/XX/2018. I received a letter dated XX/XX/2018 that said, XXXX XXXX XXXX XXXX XXXX reported the default of my Federal Family Education Loan. I spoke with XXXX from XXXX XXXX XXXX on XX/XX/2018 who said the account was pulled from their office and she referred me to XXXX  Post Claims. I called XXXX Post Claims and spoke with XXXX on XX/XX/2018 who said the account was closed on XX/XX/2018. She said that payments may be held for 45 days from initial payment. No updates to the account for 3 months and 8 days. It appears the financial institution does not have reasonable policies and procedures to process payments timely, close accounts promptly, provide accurate disclosures or provide accurate information to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
I purchased a vehicle at XXXX in XXXX VA, I owned 4 other cars at that time and told the dealer salemen that I only need a XXXX  for XXXX and XXXX XXXX. I told them I don't live in VA i have North Carolinia dirvers licesnse is that going to be a problem, I was told " no! ". 

It's obvious now they gave me the car and thought " 3 months later '' I'll drump though hoops. 

I didn't live in VA at the time of purchase my drivers license can prove this I had the car repossessed becaue I was told " I '' didn't register the car I can prove this I paid XXXX Tax and Tags I can prove this I currently on this day of XX/XX/2018 have a credit of over {$100.00} dollars I can prove this I tried to find a law that gives the lien holder the right to take the car under these circumstances I couldn't find any. I was told today I need to get VA dirvers licenses I can prove this also. 

I told " XXXX '' from XXXX XXXX XXXX can you ship the car to a XXXX location in N.C. and because it's now a problem and it wasn't them and have them register the car there and I'll pick it up. I was told no " you have to get a VA driver 's license, and hey all you have to do is do that and this matter is resolved ''. I then told her " I'm not getting a licesnse in VA it wasn't required when I brought this car and I don't live in VA ''. 

I also told her well a person can sign an agreement for a loan for 5 years and move! it not a crime to move or is it a problem at all to move when your financing a car. In addition once I obtain a VA license I'm admitting wrong! 

I'll have to send you a copy of all paper work. 


I would like you to publish this and us my name and info :

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
i have over 130k in credit cards and i have no need to apply for more credit card but i see on my credit that i have over 25 credit inquiry which 90 % of them i have no knowledge off. Due o inaccuracy on my credit file i has led o some of my credit cards being closed because lenders considered me as high risk that i am seeking too many credit which i am only using 3 % of what i have right now.

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 2018-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: DE

Complaint narrative:
I have disputed multiple bankruptcies on my XXXX, XXXX, and XXXX credit report. The issue that concerns me is LexisNexis. I contacted LexisNexis and told them, they were reporting inaccurate information to XXXX, XXXX, and XXXX. I also asked LexisNexis to place a security freeze on my file. They sent me a letter stating that a security freeze is now in effect as of XX/XX/2018. Also, the security freeze would prevent LexisNexis from releasing my XXXX reports or scores derived from the information therein. On XX/XX/2018 I received a letter from XXXX  stating they verified multiple bankruptcies through LexisNexis once again. even after the security freeze was in place. 

This matter has affected my life in the worst way. I need the CFPB to assist me with this because my rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: IL

Complaint narrative:
XX/XX/2018 and XX/XX/2018 Account Amount : {$1100.00} XXXX XXXX XXXX, XXXX. reported account onto my credit report which I requested proof of documentation bearing my signature. the company haven't provided me with this document which is a violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-14 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
i have over XXXX in credit cards and i have no need to apply for more credit card but i see on my credit that i have over 25 credit inquiry which 90 % of them i have no knowledge off. Due o inaccuracy on my credit file i has led o some of my credit cards being closed because lenders considered me as high risk that i am seeking too many credit which i am only using 3 % of what i have right now.

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 2018-08-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
i have over XXXX in credit cards and i have no need to apply for more credit card but i see on my credit that i have over 25 credit inquiry which 90 % of them i have no knowledge off. Due o inaccuracy on my credit file i has led o some of my credit cards being closed because lenders considered me as high risk that i am seeking too many credit which i am only using 3 % of what i have right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: NY

Complaint narrative:
For the past 3 months, I've been getting upwards of 10 phone calls a day from Allied Interstate regarding a group of private loans. Since my mother is a co-signer, she gets the same amount of calls, too. They come from both of these numbers : XXXX XXXX Because I work with a financial planner, I told the rep about two weeks ago that I would need time to download all of the information with her before deciding to move forward. Still, I am getting non-stop phone calls. They've also threatened to garnish my mother 's wages for payment without any explanation as to why or how they can do this. Upon further research, I discovered that this company is known for harassing customers and would love for them to stop. I've also asked them to at least decrease the amount of times they call a day and they have not.

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 2018-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT, I NOTIFIED EXPERIAN CREDIT BUREAU, THEY WERE SENT NUMEROUS TIMES FCRA 605B, MY IDENTITY THEFT POLICE REPORT, MY ID, EVERYTHING THAT IS REQUIRED TO HAVE AN ACCOUNT THAT IS ON MY EXPERIAN CREDIT FILE THAT IS A DIRECT RESULT OF THE IDENTITY THEFT I SUSTAINED, THEY REFUSED TO REMOVE IT. THE ACCOUNT IS FROM A COMPANY XXXX XXXX AND I ASKED WHY THEY KEEP ON LEAVING IT ON MY FILE, THEY SAID BECAUSE THE COMPANY XXXX XXXX XXXX KEEPS ON REPORTING IT TO US AS A GOOD ACCOUNT, SO I SENT XXXX XXXX  A LETTER AND A COPY OF MY POLICE REPORT FOR ID THEFT AND THEY STILL REFUSE TO REMOVE IT. THE FCRA STATES ONCE A CONSUMER ADVISES YOU THAT THERE IS A FRAUDULENT ACCOUNT ON THERE REPORT AND HAS PROOF THAT IT IS LIKE A POLICE REPORT STATING JUST THAT THEN YOU HAVE 4 DAYS TO REMOVE IT, OR YOUR IN VIOLATION OF THE LAW OF THE FEDERAL GOVT. NOW I DIDNT MAKE THE LAW, BUT I WANT THE LAW ADHERE TO NOW!!! I WANT THAT ACCOUNT BLOCKED FROM MY CREDIT REPORT ( EXPERIAN ) AND NEVER PIT ON THE REPORT AGAIN ... SO I WANT EXPERIAN CREDIT BUREAU AND XXXX XXXX XXXX TO HAVE THIS REMOVED IMMEDIATELY ...

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 2018-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
Suntrust refused to honor a stop payment and in doing so, hundreds of dollars in overdraft and NFS fees accrued. 

The bank refuses to acknowledge their error and refund the fees. 

I am only asking for the refund of fees lost due to their error. 

Thank you XXXX XXXX, DDS

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 monetary relief
Consumer complaint received 2018-08-14 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: NJ

Complaint narrative:
I called Transunion and told them about the inquires that they put on my report that wasnt correct and would like them updated and removed but the reps either hung up on me kept saying no everything correct on your report and brushing me off yelling etc. I was told that I can reach out to you for better help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
The problem I'm having with the mortgage company/servicer is that they refuse to speak with me regarding my husband mortgage. This has happened month after month. So, I took the initiative to reach out in XXXX XXXX. To an organization that help with modifying the mortgage and lowering the interest rate but they refuse to speak with them as well. I feel as if I'm at the end of my rope that I now have to file a complaint against the mortgage company and the service of the mortgage. 
Please keep in mind I'm on the Deed, So my concern here is why are they given me the runaround and refusing to speak with me. 
This all started in XX/XX/XXXX my husband deceased XX/XX/XXXX. 
PLEASE HELP. 

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 2018-08-14 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: GA

Complaint narrative:
I am Victim of identity fraud, i recently found out that someone has been trying to apply for credit card with my information and this lead to me having too many inquiries on my credit, Best-buy credit department decided to close my account that i have been having for over 5 years with good payment standing due to me having a lot of inquires on my account. i spoke to a young lady and she said there's nothing she can do even if i file a dispute, i will have to re apply for a new account, we all know how important credit age and history is on credit.

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 2018-08-14 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: FL

Complaint narrative:
On XX/XX/2018 I started a dispute with Equifax on some fraudulent accounts, which were XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Before the 30 days were up I received notice that were sent to my email the items were removed. On XX/XX/2018 I notice the 2 XXXX XXXXs were back on my file, therefore I contacted Equifax again not only Equifax but the Creditors also and provided documents of the police report once again its back in dispute with Equifax. On XX/XX/2018 I sent the same documents to the reporting creditor, On XX/XX/2018 A notice was sent to me advising me that the account is closed and to be deleted form my credit file. On XX/XX/2018 I contacted Equifax inquiring why the items are still being reported as a charge off when it should be deleted per Mr. XXXX XXXX I need to do another dispute on the charges the charges are correct, I tried explaining to him the letter that was mailed out to me and also it states that the company electronically sent a copy of the document he refused and said again I need to file another dispute. The other 2 credit agents removed the items, I don't understand this if the Creditors are letting the credit reporting agencies aware of this misunderstanding why is Equifax refusing to delete the trade lines. I'm also disputing inquiry on my Equifax report, I have an fraud alert on my credit file I don't understand how Equifax give authorization to creditors without identifying if its me or not.

Company response to consumer: Closed with explanation