vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-13 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: TN

Complaint narrative:
several problems listed above, not just failing to abide by 30 day timeframe. Not just bureaus, but creditors as well.. XXXX for ex, 60 days out from my last dispute, claims ftc fcdpa laws dont exist. furthermore XXXX  XXXX initiated contact on my behalf nine months ago on that account. account remains " confirmed '' ... I have several accounts where merchants are claiming debt where none is owed, or someone else owes the debt and the creditor refuses to close the account or corrrect the info and keeps putting the account in collections or reselling it ( XXXX ). I have others in violations of cardholder agreements. All burueaus are playing XXXX XXXX  " confirmed '' with XXXX XXXX and buying the data back from them later on. disputed debts can not be collected. debts filed under chXXXX can not be collected when attorney is on retainer. yet nobody seems to care, makes claim they werent contacted by upright law ( con artist or not, they are bankruptcy atty ). such actions are not required, the mere hiring of a lawyer on retainer is sufficient. Bureaus are inconsistent with updating each other when debts are deleted. XXXX XXXX refused to assist with this. bureaus contacted multiple times about this and all im getting are " verified '' XXXX letters.I have factually no data sent to me as to what and how, as required by law debts were verified. No email, no phone calls, no letters. I am repeatedly have my information updated where I have never lived, and then blood type required multiple times to get access to my credit file just to file a dispute when I havent moved. This has been going on for several months repeatedly when I dispute data. I have never lived in PA. My files show that I have and that I have a mortgage. This is incorrect.

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 2017-08-13 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: LEXISNEXIS
State: TN

Complaint narrative:
several problems listed above, not just failing to abide by 30 day timeframe. Not just bureaus, but creditors as well.. XXXX for ex, 60 days out from my last dispute, claims ftc fcdpa laws dont exist. furthermore XXXX XXXX initiated contact on my behalf nine months ago on that account. account remains " confirmed '' ... I have several accounts where merchants are claiming debt where none is owed, or someone else owes the debt and the creditor refuses to close the account or corrrect the info and keeps putting the account in collections or reselling it ( XXXX ). I have others in violations of cardholder agreements. All burueaus are playing XXXX XXXX " confirmed '' with lexis nexis and buying the data back from them later on. disputed debts can not be collected. debts filed under chXXXX can not be collected when attorney is on retainer. yet nobody seems to care, makes claim they werent contacted by upright law ( con artist or not, they are bankruptcy atty ). such actions are not required, the mere hiring of a lawyer on retainer is sufficient. Bureaus are inconsistent with updating each other when debts are deleted. XXXX XXXX refused to assist with this. bureaus contacted multiple times about this and all im getting are " verified '' XXXX letters.I have factually no data sent to me as to what and how, as required by law debts were verified. No email, no phone calls, no letters. I am repeatedly have my information updated where I have never lived, and then blood type required multiple times to get access to my credit file just to file a dispute when I havent moved. This has been going on for several months repeatedly when I dispute data. I have never lived in PA. My files show that I have and that I have a mortgage. This is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Fidelity National Financial, Inc

Complaint narrative:
Disputed amount owing on Timeshare maintenance fees. Requested clarification of amount for purpose of settling debt. Despite numerous attempts to contact via email, the issue remains unresolved. Apparently my property was foreclosed on without my proper notification or opportunity to settle outstanding amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 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: HYUNDAI CAPITAL AMERICA
State: TN

Complaint narrative:
KIA MOTOR CORPORATION WAS INCLUDED IN MY BANKRUPCY WHICH THEY ARE SHOWING ON MY CREDIT REPORT AS UNPAID AND NOT PART OF THE BANKRUPCY. THE CAR WAS TURNED IN DUE TO BANKRUPCY AND APPROVED BY THE TRUSTEE AND WAS PART OF DISCHARGE. 
I OWE NOTHING TO KIA MOTORS OR ANY OTHER AFFILIATES ASSOCIATED WITH KIA, UPON TRYING TO GET RESOLVED WITH KIA, THEY HAVE NOT TAKEN THIS OFF OF ANY OF THE 3 MAJOR REPORTING AGENCIES AS OF TODAY. I ASK THIS BE REMOVED IMMEDIATELY AS IT IS HAVING NEGATIVE IMPACTS ON MY LIFE DUE TO KIA NOT HANDLING THIS PROPERLY KNOWING IT WAS PART OF BANKRUPCY. IF NOT REMOVED UPON RECEIVING THIS NOTIFICATION I WILL PURSUE ANY MEANS NECESSARY TO CLEAR THIS UP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-13 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: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX To Whom it May Concern : XXXX XXXX XXXX XXXX XXXX, TX XXXX  Equifax XXXX XXXX XXXX XXXX, GA XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.
The following inquiries are related to none of the aforementioned permissible purposes.
XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry fromXX/XX/XXXX, XXXX XXXX  Inquiry fromXX/XX/XXXX, XXXX XXXX-fla Inquiry from XX/XX/XXXXPlease remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXXADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Lately, past few months noticed my interest was {$68.00} on {$3300.00} balance. Is n't this way too high. I pay {$100.00} a month and only get accounted for only a few dollars. This past statement was for Wells Fargo, billing period XX/XX/XXXX to XX/XX/XXXX. Something has to be wrong. This is ridiculous.

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 2017-08-13 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: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOBXX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following inquiries are related to none of the aforementioned permissible purposes. XXXX Inquiry fromXX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry fromXX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry fromXX/XX/XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOBXX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX 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 2017-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX WAS INCLUDED IN MY BANKRUPCY WHICH THEY ARE SHOWING ON MY CREDIT REPORT AS UNPAID AND NOT PART OF THE BANKRUPCY. THE CAR WAS TURNED IN DUE TO BANKRUPCY AND APPROVED BY THE TRUSTEE AND WAS PART OF DISCHARGE. I OWE NOTHING TO XXXX XXXX OR ANY OTHER AFFILIATES ASSOCIATED WITH XXXX, UPON TRYING TO GET RESOLVED WITH XXXX, THEY HAVE NOT TAKEN THIS OFF OF ANY OF THE 3 MAJOR REPORTING AGENCIES AS OF TODAY. I ASK THIS BE REMOVED IMMEDIATELY AS IT IS HAVING NEGATIVE IMPACTS ON MY LIFE DUE TO XXXX NOT HANDLING THIS PROPERLY KNOWING IT WAS PART OF BANKRUPCY. IF NOT REMOVED UPON RECEIVING THIS NOTIFICATION I WILL PURSUE ANY MEANS NECESSARY TO CLEAR THIS UP.

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 2017-08-13 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: TN

Complaint narrative:
XXXX XXXX XXXX WAS INCLUDED IN MY BANKRUPCY WHICH THEY ARE SHOWING ON MY CREDIT REPORT AS UNPAID AND NOT PART OF THE BANKRUPCY. THE CAR WAS TURNED IN DUE TO BANKRUPCY AND APPROVED BY THE TRUSTEE AND WAS PART OF DISCHARGE. I OWE NOTHING TO XXXX XXXX OR ANY OTHER AFFILIATES ASSOCIATED WITH XXXX, UPON TRYING TO GET RESOLVED WITH XXXX, THEY HAVE NOT TAKEN THIS OFF OF ANY OF THE 3 MAJOR REPORTING AGENCIES AS OF TODAY. I ASK THIS BE REMOVED IMMEDIATELY AS IT IS HAVING NEGATIVE IMPACTS ON MY LIFE DUE TO XXXX NOT HANDLING THIS PROPERLY KNOWING IT WAS PART OF BANKRUPCY. IF NOT REMOVED UPON RECEIVING THIS NOTIFICATION I WILL PURSUE ANY MEANS NECESSARY TO CLEAR THIS UP.

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 2017-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NY

Complaint narrative:
This record serves as a complaint against Cardinal Financial NMLS XXXX, loan officer XXXX XXXX NMLS XXXX and specifically his manager XXXX XXXX NMLS XXXX. I was initially locked in for a conventional fixed 30yr mortgage at 4.125 % with 15 % down payment. The points for the loan were waived at this time. A few days before closing the company sent a disclosure for interest rate of 4.250 % when I increased my down payment to 20 % to avoid PMI. The company also charged me for points where I had to pay an extra {$340.00} after waivers. They even asked me to sign the disclosure for the 4.25 % interest and then they would fix this issue. Mutiple calls were made to the loan manager who did not return voicemails to explain the issue. The company increased my interest rate after loan lock in, coercing me sign disclosure so I would not loose my deposit just 3 days before closing. This issue was not fixed until I threatened to make a complaint and to sue them. I still had to pay an extra {$340.00} for loan points when they were initially waived. I had to do this so I would not loose my deposit for the house coercing to sign inaccurate closing disclosures. I have proof of all the disclosures. I had to extend my closing date and they even charged me an extension fee. I perceived that the loan manager XXXX XXXX NMLS XXXX showed ethnic bias.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I contacted experian on Tuesday XX/XX/XXXX 2017. Regarding incorrect information on my credit report and was told they could not remove address that were not mine nor names. Experian credit file does not match the other 2 reporting agencies.

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 2017-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Credit reports are showing a Chapter XXXX bankruptcy ... .new law as of XX/XX/XXXX,2017. This information is n't all there and should be immediately deleted

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 2017-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Credit reports are showing a Chapter XXXX bankruptcy ... .new law as of XX/XX/XXXX,2017. This information is n't all there and should be immediately deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Credit reports are showing a Chapter XXXX bankruptcy ... .new law as of XX/XX/XXXX,2017. This information is n't all there and should be immediately deleted

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 2017-08-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIRST AMERICAN FINANCIAL CORPORATION

Complaint narrative:
Account was previously in foreclosure. Brought out of foreclosure to XXXX balance. Invoice for new period includes amounts already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
i paid more then the minimum balance and it 's affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: GVA Holdings, LLC
State: TX

Complaint narrative:
Received an email on XX/XX/XXXX stating that I was approved for a {$400.00} loan and that my first payment was due on XX/XX/XXXX. I immediately called the company from the email by the name of XXXX XXXX and spoke to a lady customer service rep and explained to her that, I did not apply for a loan from this company ever and asked what personal information of mine they had on file. She did give me my correct information but all the information was very old. The employer they had listed, I havent work there since XXXX and the address they have on file, I moved from in XXXX. The phone numbers are very old and has not been in service for like 4 years. The bank account that was on file has been closed for about 4 years also. I explained to her that someone has to be using my old information. She stated that she would speak with her supervisor and request payment to be stop from going into that old bank account. On XXXX/XXXX/2017 I received another email stating that my payment was returned by my bank for non sufficient funds ( even though the first email said payment due by the XXXX ). I called once again and this time the lady stated they were working to resolve this matter and I have not recieved a response about the outcome. As of today I went to their website to see if that account was closed but its still showing active with late fees. This is fraud and stealing off my personal information they probably bought from an old company. The IP address XXXX XXXX showing at the time the loan was accepted does not match my IP address.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: MS

Complaint narrative:
I have been battling against this company for months now. They are stating that I owe two different debts in the amount of {$900.00} and {$430.00}. I called them at their phone number of which no one could give me valid information. I was simply told that it is my debt and I must pay them should I decide not to pay them they will continue to contact me via telephone and harass me until I pay them in full. Again I have never done business with this company, I have never signed to release any type of information to this company, and lastly they refuse to send me any proof stating I actually owe them or showing me any type of signatures or identification I used to allow this agency to collect my information. These collections in the amount of {$900.00} and {$430.00} both appears on my credit report X/XX/2017 and I have been contacting them ever since only to get nowhere.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My son, XXXX XXXX, has been XXXX for a number of months & was, most recently, moved from NC XXXX hospital to a facility in suburban XXXX in order to be closer to his family. My name is XXXX XXXX. I am XXXX father as well as his attorney. I am also named as his agent under a Durable Power of attorney. We are currently in the process of cleaning up his affairs & making sure his bills are paid up. One of the few items remaining is a Capital One credit card # XXXX XXXX XXXX XXXX. All I want to do is pay off the card. To the best of my knowledge, the card has been cancelled for non payment. I have spent countless hours on the phone, have sent multiple memos including a copy of my POA & have become extremely frustrated. For what it is worth, some of the supervisors, not all, have been very rude. In my latest conversation, I am being told they want information about me that I feel is inappropriate. For example, they want my date of birth, social security number, proof that I am not a non resident alien, drivers license & gross annual income. ALL I WANT TO DO IS PAY HIS BILL. They finally said I could make a payment but could not tell me how much. I find it ironic that my complaint is I ca n't pay off the card. XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 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: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
I want everyone to know about the unfair practices of XXXX XXXX XXXX at XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, FL XXXX. I noticed three months ago when i started monitoring my credit that there is a collection from a pain clinic that I have never been to before. I never received a bill before the debt went to collections in the first place. The debt also reads closed so im still not sure why they are still reporting in the first place on this fraudulent collection. When I disputed this collection on my credit report the company retaliated against me and the first time in four years the collection went up by {$2.00}. Coincidence? No its not its smells retaliation from a company who reports false information tarnishing the public 's credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CORELOGIC INC
State: OH

Complaint narrative:
A credit info by XXXX without my knowledge or permission.

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