vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-27 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: AL

Complaint narrative:
i was pulled my credit report and came across this hard inquiry that you applied to my credit report XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 
Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 
this is a copy from my credit report i have contacted you about this and you told me you have no information on me because i dont have an account with you and i would like this removed off my credit report because i did not give you my permission to run my credit and it was not suppose to be run/checked without my authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 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: TN

Complaint narrative:
After disputing XXXX XXXX XXXX and provide supporting documents to Experian, Experian refuses to delete the collection account from my credit report. After filing a complaint against XXXX XXXX XXXX with CFPB, XXXX XXXX XXXX agreed to have the collection account deleted from my Experian credit report. I have provide Experian with a copy of XXXX XXXX XXXX deletion letter via Experian document upload web site. Experian stated they had received the deletion letter. Experian stated that XXXX XXXX XXXX normally doesn't include an AUD control number on a deletion letter. Experian stated that XXXX needed to provide their Experian rep with the AUD control number.

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 2018-04-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
My deferred interest payment plan with the XXXX XXXX credit card issued by XXXX   XXXX expires on XX/XX/XXXX. I mailed out a check on XX/XX/XXXX to pay my remaining balance of {$550.00} on the account. On XX/XX/XXXX, a finance charge of {$320.00} was added to my account with no notice that my payment was not received. I did not discover this until XX/XX/XXXX when I logged into my account. I paid the {$550.00} balance immediately using ACH and reached out to Customer Service multiple times to inquire on why I was charged 58.4 % of interest ( {$320.00} on {$550.00} ) without any notification. The APR on the account is only 28.24 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 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: TX

Complaint narrative:
Received credit report from Experian XXXX for XX/XX/XXXX. 

Inquiry was made by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. No phone number was given. 

Letter sent XX/XX/XXXX to the company requesting why they obtained my credit report. The company has not responded. 

I do not recognize this company.

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 2018-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
CALLED AND DEMNDED PAYMENTS BEFORE THEY WERE DUE BY 15 DAYS. FALSE CREDIT LIMITS AND INCREASES PROMISED FROM BEGINING TO END. HARASSING PHONE CALLS. NO HELP FROM SUPERVISORS. FALSE CHARGES ON MY ACCOUNT. HOURS WASTED ON THE PHONE. THE MOST EVIL COMPANY THAT I HAVE EVER ENCOUNTERED. THAT IS THE SUGAR COATED VERSION.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 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: GA

Complaint narrative:
I applied for a loan and was denied. After reviewing my credit report, I discovered Experian re-added a collection entry that was previously removed in XX/XX/2017. 

XXXX XXXX claims that I owed {$920.00}. I went to court to resolve this issue. It was determined that this debt was not mine. I first call Experian but the company refused to removed the debt. A certified letter was sent to Experian. The collection entry was removed. The company sent a credit report proving that the collection entry was removed. 

I provided two copies of the documentation from the Magistrate Court. I am again for the 3rd time providing another copy of this document.

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 2018-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are addresses reported on my personal information that I no longer live there for more than eight months.

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 2018-04-27 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: Riverwalk Financial Corporation
State: TN

Complaint narrative:
After disputing XXXX XXXX XXXX and provide supporting documents to XXXX, XXXX refuses to delete the collection account from my credit report. After filing a complaint against XXXX XXXX XXXX with CFPB, XXXX XXXX XXXX agreed to have the collection account deleted from my XXXX credit report. I have provide XXXX with a copy of XXXX XXXX XXXX deletion letter via XXXX document upload web site. XXXX stated they had received the deletion letter. XXXX stated that XXXX XXXX XXXX normally doesn't include an AUD control number on a deletion letter. XXXX  stated that XXXX needed to provide their XXXX rep with the AUD control number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 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: MD

Complaint narrative:
For over a year, I have tried to get the credit bureaus to remove certain fraudulent information. They have refused. I have sent identity theft affidavits and police agency reports and requested a block of fraudulent information pursuant to section 605 ( b ) of the FCRA. All 3 bureaus have categorically ignored my claim and not placed the fraudulent information into dispute. 

The following accounts are fraudulent and must be suppressed/blocked pursuant to 605 ( b ) of the FCRA or DELETED. 

XXXX XXXXXXXX XXXX XXXX DATE OPENED XX/XX/XXXX, {$5000.00} XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX, {$10000.00} XXXX  XXXX XXXX DATE OPENED XX/XX/XXXX, {$4200.00} XXXX CARD XXXX DATE OPENED XX/XX/XXXX, {$6700.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX, {$8000.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX, {$690.00} XXXX XXXX DATE OPENED XX/XX/XXXX, {$3500.00} In addition to these accounts being fraud they are ILLEGALLY being reported past the 7 year statutory reporting period.

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 2018-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: TN

Complaint narrative:
I am receiving collection letters from AMCA original creditor XXXX XXXX. I went to the hospital on XX/XX/XXXX and they took a copy of my insurance card and ID they came in and XXXX XXXX the same time. Hospital was paid for this date of service and I get a bill in XX/XX/XXXXof this year for a bill of {$250.00} this bill is over a year old and I called XXXX XXXX and XXXX XXXX XXXX XXXX and talked to XXXX she stated you had coverage at this time they can not bill you. She called the collection agency 3 way with me on the phone and told them I have insurance and they should not be billing me she advised she would contact XXXX. XXXX called XXXX and talked to XXXX and XXXX told her she would take care of it. Today on XX/XX/XXXX I received another bill that I have included for a different amount of {$170.00}. This is not legal when insurance is involved. Two different amounts and I had insurance at this time they are threatening to put this on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 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: AL

Complaint narrative:
I submitted application for a car loan in XX/XX/2017, and now I have like 20 inquiries. This is largely impacting my ability to obtain ANY credit. I did apply for credit and I do understand one inquiry, but please remove all these inquiries. I am trying to get a home loan and this is hindering 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 2018-04-27 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: GA

Complaint narrative:
I provide Experian proof of incorrect entries on my credit report. Experian is removing incorrect information from my credit report and re-adding it. I paid XXXX in full. Experian remove it from my credit report and now is reporting is as a negative transaction 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 2018-04-27 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: TX

Complaint narrative:
There are addresses reported on my personal information that I no longer live there for more than eight months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-27 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: TX

Complaint narrative:
There are addresses reported on my personal information that I no longer live there for more than eight months.

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 2018-04-27 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: TX

Complaint narrative:
There are multiple names appear on my personal information that are 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 non-monetary relief
Consumer complaint received 2018-04-27 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: AL

Complaint narrative:
I submitted application for a car loan in XX/XX/2017, and now I have like 20 inquiries. This is largely impacting my ability to obtain ANY credit. I did apply for credit and I do understand one inquiry, but please remove all these inquiries. I am trying to get a home loan and this is hindering me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 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: AL

Complaint narrative:
I submitted application for a car loan in XX/XX/2017, and now I have like 20 inquiries. This is largely impacting my ability to obtain ANY credit. I did apply for credit and I do understand one inquiry, but please remove all these inquiries. I am trying to get a home loan and this is hindering 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 2018-04-27 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: MD

Complaint narrative:
For over a year, I have tried to get the credit bureaus to remove certain fraudulent information. They have refused. I have sent identity theft affidavits and police agency reports and requested a block of fraudulent information pursuant to section 605 ( b ) of the FCRA. All 3 bureaus have categorically ignored my claim and not placed the fraudulent information into dispute.

The following accounts are fraudulent and must be suppressed/blocked pursuant to 605 ( b ) of the FCRA or DELETED. 

XXXX  XXXX XXXX XXXX DATE OPENED XX/XX/XXXX, {$5000.00} XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX, {$10000.00} XXXX  XXXX XXXX DATE OPENED XX/XX/XXXX, {$4200.00} XXXX CARD XXXX DATE OPENED XX/XX/XXXX, {$6700.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX, {$8000.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX, {$690.00} XXXX XXXX DATE OPENED XX/XX/XXXX, {$3500.00} In addition to these accounts being fraud they are ILLEGALLY being reported past the 7 year statutory reporting period.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
I've been trying to get Modification but my servicer has changed 4 times since XXXX. XX/XX/XXXX I made a payment of {$1500.00}. to XXXX than XXXX XXXX changed my account number and said I would be assigned a new Servicer shortly. My account number was changed from # XXXX to XXXX.My lender also sold the loan from XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX than XXXX notified me that my New servicer would now be Select Portfolio Servicing and my new account number is now XXXXEach time I filled out all my paper work and was supposed have a trail modification sent out to me they switched and than tried to state that I did not give all the required documents. I was paying {$3200.00} for 5 months in XX/XX/XXXX to XXXX XXXX who sold my loan to XXXX XXXX than to XXXX along with all these different Servicers how can they say my payments were even correctly transferred with all the different loan numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 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: TX

Complaint narrative:
Received credit report from Experian XXXX for XX/XX/XXXX. Inquiry was made by XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. No phone number given. Letter was sent to the company XX/XX/XXXX requesting why they obtained my credit report. The company has not responded. I do not recognize this company.

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 2018-04-27 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
i notified, this is not my account, and they insist on collecting and sending me to jail, i ask for the copy of the application, and they don't send it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I was contacted by a company called Ability Recovery Service fora medical debt that they say I owe from several years ago to a hospital here called XXXX XXXX. I contacted XXXX XXXX and talked to someone named XXXX in patient services or billing. She told me that I don't owe the hospital anything. I believe this company is fake and bought my address from another company. They are calling me from XXXX PA from this number. ( XXXX ) XXXX. The lady will not give me her name. They are abusive. She gave me the wrong address when she called. And the phone number goes straight to her not to an operator. The bill said {$150.00} at first and now it says {$150.00}. I want to report Ability Recovery Services for fraudulent collection activity. They put this as debt on my credit report from XX/XX/2017 and I want it removed now. They brought my credit report down 20 pts and the lady that keeps calling me said I need to pay it to get it removed.

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 2018-04-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ditech Financial LLC
State: GA

Complaint narrative:
On XX/XX/XXXX i received a letter from my second mortgage company, GREENTREE, that i had been approved on my Home Equity account for a FULL PRINCIPLE FORGIVENESS due to a settlement w XXXX  XXXX XXXX and the Department of Justice. the letter went on to state " You do not need to take any further action to accept this offer. Your Home Equity account balance will " AUTOMATICALLY '' be forgiven UNLESS you call us. ( My Bankruptcy atty had been CC 'd on the letter but was never mentioned in the letter. My bankruptcy had been discharged XX/XX/XXXX .i understand i was no longer responsible personally for the debt, but this letter released the property as security for this loan. i still own this property and the first has continued to be current ) on XX/XX/XXXX i received a letter from XXXX XXXX XXXX that Ditech ( formerly Greentree ) had transferred the right to collect payments from me to XXXX XXXX XXXX ... The amount that they intend to collect is {$40000.00} the letter said to send a letter if you dispute the debt which i did. i called and spoke w XXXX XXXX and once again disputed the debt. He gave me his email sent an email XXXX so i sent another correspondence. i was afraid they might start foreclosure proceedings and i am a well known realtor in my community and the thought of reliving my name in the paper kept me up many many nights!!! i am proud to say i have been reestablishing credit. 
On XX/XX/XXXX i received another letter from XXXX XXXX XXXX that Greentree told them my attorney XXXX XXXX sent the extinguishment letter BACK and therefor the EXTINGUISHMENT WAS NOT PROCESSED!!! ( on the date of this letter the Bankruptcy had been discharged so he was no longer my attorney ... ) Greentree did not have the authority to process or not process the extinguishment. This was decided in a class action lawsuit with the DEPARTMENT OF JUSTICE! The Security Deed should have been cancelled! it has been 3 YEARS that Greentree did not abide by the ruling. i am not an attorney but it is definitely a violation of federal collection laws. i have all documentation that i will gladly send ... 
any assistance will be greatly appreciated!!!

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 2018-04-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: MoneyLion Inc.
State: PA

Complaint narrative:
I borrowed a loan in the amount of {$1700.00} from Money Lion Phone XXXX on XX/XX/XXXX. The payments were {$410.00} a month and I thought a portion of that would go towards the principal. I was wrong because after making a few payments, I logged into the Money Lion account and saw that the {$410.00} was interest only. I filed a prior complaint about this in XX/XX/XXXX with CFPB. On XX/XX/XXXX Money Lion emailed me another payment plan which was scheduled to start on XX/XX/XXXX, biweekly for {$86.00} with a final payment on XX/XX/XXXX. 

I missed a few payments due to the previous payments made towards this loan, and that caused me to be late paying other bills rent, utilities etc. I received a letter in XX/XX/XXXX stating that I would be taken to court if I did not follow the new payment schedule for a balance of XXXX. Granted, this is a loan that I know has to be repaid but the interest rate is ridiculous. The new contact that Ive spoken with is XXXX at XXXX ext. XXXX. It is as if nothing I paid was applied to the loan. As of XX/XX/XXXX I have paid this lender the following. 
XX/XX/XXXX Amt XXXX XX/XX/XXXX Amt XXXX XX/XX/XXXX Amt XXXX XX/XX/XXXX Amt XXXX XX/XX/XXXX Amt XXXX XX/XX/XXXX Amt XXXX Total {$1700.00} Even with a missed payment what is the actual amount owed?

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