vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-24 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: GA

Complaint narrative:
I have been in contact with Equifax for the past 6 months in regards to accounts on my credit report that were fraudulent. I have supported police documentation to substantiate my claims. Every other CRA has removed those accounts. Not only has Equifax not removed but they refused to tell me the method that was use to verify my account ( s ) nor have they sent the documents as I have requested for approximately 6 months. Equifax is a fraud and clearly has no regard for the law and the FCRA!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
Please refer to dispute XXXX I have disputed the status of this debt several times. The company failed to provide debt validation and will not answer the number listed on the complaint. I would like to know how this debt was validated. I discovered the company on my credit report and my attorney included them in bankruptcy before we verifying whom the original creditors were. I filed bankruptcy on XX/XX/2017. After notifying the company with the 1st complaint I would like for you to know they have continued to label the debt as a collection account. They are refusing to update the status even with the provided documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: NY

Complaint narrative:
NO dates given. Ant {$760.00}. I called XXXX they never did anything. I contacted my credit agencies and theres nothing on my credit report yet this collection agency is charging me this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FCI Lender Services Inc.
State: CA

Complaint narrative:
This complaint is about the Forecloser Sale of XXXX XXXX XXXX XXXX ca XXXX scheduled on XX/XX/XXXX. Regarding Loan Number # XXXX, from FCI lender Services, INC ( servicer ) and XXXX XXXX ( borrower ). 

The Junior Lienholder FCI Lender Services, INC has failed to meet any of the California Foreclosure Statutes : Cal. Civ. Code 2923.5, 2924 to 2924l ; Cal. Code of Civ. Pro. 580a through 580d.  California Homeowners Bill of Rights II, and Consumer Financial Protection Bureau XX/XX/XXXX regulations by never sending periodic billing statements, sending interest rate notices or requesting a meeting to discuss loan modifications, forbearance agreements or address any type of repayment programs. 
XXXX XXXX XXXX XXXX, XXXX and FCI Lender Services, INC has had no correspondence with XXXX XXXX for 13 and a half years. 

XXXX is seeking a sum of XXXX, consisting of an original sum of XXXX, loan fees plus interest. Loan Number # XXXX has never shown up on any credit reports or made any type of inquiry. 

FCI has failed to meet any early intervention requirements, continuity of contact requirements or has made any attempt of mitigation. 

The following Parties are involved in this transaction are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FCI Lender Services, INC, and XXXX XXXX. 

Please contact me in a timely manner via Telephone ( XXXX ) XXXX, by mail at XXXX XXXX XXXX, XXXX, Ca XXXX and by email at XXXX. 

Sincerely, XXXX XXXX Mitigation is the best option. I'm more than willing to work out a payment plan with said lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 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: GA

Complaint narrative:
This complaint is against Equifax Credit Reporting Agency. Fraudulent transactions appeared on all three major Credit Reports. It is not mine so I wrote to all three companies and asked for removal. They all 'claimed ' to have investigated my request. Both XXXX and XXXX removed it as, " not able to verify account. '' Equifax said they verified it was mine. I wrote Equifax and asked how they investigated these fraudulent accounts and what proof they collected since no one had proof of the account. They never responded or provided proof. Ive been disputing for almost 6 months. I requested this information from Equifax a total of four times. So I wrote a letters to the collection agencies and asked what proof they had. They also had no proof. They sent a print out saying the name of the original company ( no address, nor phone, no email, no servicing address, no list of services, no explanation, no bills, no copy of contracts - nothing ) and a date. Since I still had no proof of a debt, I already knew they werent mine, At this point since they cant provide proof I request immediate deletion. Equifax has claimed to open several new reinvestigations yet nothing has been done. Equifax has not followed the laws in accordance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I applied for a CITI card. They stated that THEY WOULD NOT PERFORM A HARD CREDIT CHECK it would be soft, looked at my credit report today XX/XX/18 and it had already shown up that XXXX had performed a hard credit check. I want it removed from my credit report as I DID NOT AUTHORIZE THIS!

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 2018-01-24 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 have disputed many times on my own and used a credit report repair company to have the inquires deleted from my Transunion report and no success at all. Here are the following inquires with the reported dates that do not belong to me at all ; 1-XXXX XXXX XXXX XX/XX/XXXX, 2-XXXX XXXX XX/XX/XXXX, 3-XXXX XX/XX/XXXX, 4-XXXX  XX/XX/XXXX, 5-XXXX XX/XX/XXXX, 6-XXXX XX/XX/XXXX, 7-XXXX XXXXXX/XX/XXXX. I did not authorize any of these companies to pull my 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 2018-01-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
On X/XX/18 there was a Walmart credit card opened with my stolen identity and I found out by XXXX XXXX saying I had a hard inquiry on my credit report. I called and spoke to a representative about closing this fraudulent account and they said I should get a letter in the mail within 30 days, and it could take 30-60 days for the card to be shut down and removed. I feel there should be more protective measures to make it harder for someone to open a credit card especially when I have shopped online they should have matched up my info and sent me an email or alert through the Walmart app.

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 2018-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My identity was stolen and I immediately placed fraud alerts on my credit. After days of spending hours on the phone each day, I decided to do a freeze in hopes this may slow down the fraudulent applications and lesson the serious burden on my time. XXXX accepted the freeze but only until XX/XX/XXXX. XXXX XXXX denied the freeze because I already had an alert but charged me and sent a confirmation the freeze was placed. Experian wont accept the request and instead wants me to package up highly sensitive personal information and mail it to them, which is highly risky and frankly idiotic. Its irresponsible and reckless for them to require this.

So all 3 bureaus have turned what should be simple for the consumer to request into a circus of incompetence!

I did nothing wrong, yet all the burden has fallen on me. The bureaus should be required by regulation to make this process seamless, secure and supportive to the consumer. Experian offers zero phone support. I tried working through their IVR for an hour and all you can get us a recorded message. This is not acceptable! I am trying to protect myself, which also protects creditors and the health of our financial community. It should not be so difficult, burdensome, and financially draining! All I want is my Credit frozen!! Why wont someone help 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 2018-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: IL

Complaint narrative:
I cancelled a contract back in 2012 with XXXX due to a service not being provided. I spoke with XXXX and cleared up the charges owed and wary termination fees were also stated to be removed totaling around {$600.00}. HOWEVER. XXXX XXXX XXXX XXXX has a collections report on my credit history for {$1000.00}. In attempts to repair my credit over the last 7 years this company XXXX XXXX is the only company that will not agree to remove this old and cleared debt. I want this record removed from both XXXX and XXXX. I have disputed this several times without compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 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: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
I recently went to a car lot to get a auto loan. Six different companies ran my credit report one company ran it there times in two days. This all happen on XX/XX/XXXX - XX/XX/XXXX lenders Credit Union inquired on XX/XX/XXXX Ally Financial inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXX ( 2nd inquire ) XXXX XXXX XXXX inquired on XX/XX/XXXX ( 3rd inquire ) XXXX inquired on XX/XX/XXXX all of these are hard inquiries on my XXXX credit report.. I made it very clear I wanted the auto loan to be financed through XXXX XXXX XXXX but I did not give permission for them to run my credit three different times

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 2018-01-24 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: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
I recently went to a car lot to get a auto loan. Six different companies ran my credit report one company ran it there times in two days. This all happen on XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXX ( 2nd inquire ) XXXX XXXX XXXX inquired on XX/XX/XXXX ( 3rd inquire ) XXXX inquired on XX/XX/XXXX all of these are hard inquiries on my XXXX credit report.. I made it very clear I wanted the auto loan to be financed through XXXX XXXX XXXX but I did not give permission for them to run my credit three different times

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/XXXX TO : Federal Reserve Bank Consumer Financial Protection Bureau FR : XXXX XXXX XXXX RE : COMPLAINT - Citibank Lending Practices Unethical I opened a Home Equity Line of Credit ( HELOC ) with Citibank on approximately XX/XX/XXXX. My first mortgage was also with them. One of their requirements was to open a checking account ( Checking Plus ) and an overdraft line, along with the Home Equity Line. I resisted as there was no need for a separate checking account, but Citi insisted I have it. 

My condominium was refinanced through XXXX XXXX in approximately XX/XX/XXXX. My Citi first mortgage was paid off at that time. 

The HELOC stayed open and I continued to pay it down. 

When the property was sold on approximately XX/XX/XXXX, escrow requested clarity on the HELOC. I agreed to pay off the HELOC myself, outside of escrow. That payoff was completed on or around XX/XX/XXXX. 

I called Citi and requested that ALL accounts associated with the HELOC. That would include the Checking Plus. 

On about XX/XX/XXXX, I received a statement with {$10.00} owing for the Checking Plus account. I was under the impression they closed this in XX/XX/XXXX, and called Citi again. I paid the fee in a Citi branch ( XXXX XXXX XXXX, along with a verbal complaint. I have a receipt showing that the account was closed. 

On XX/XX/XXXX, I received a notice via text that I owed {$170.00} for the Checking Plus service fees. Again I called and understood all accounts had been closed. 

On XX/XX/XXXX, I went into the local Citi branch again to complain and tell the whole story again. I spoke with the Branch Manager, and she told me she would research it. When she got back to me several days later, she stated that I closed the regular checking, but failed to close the checking plus. They also insisted on payment of the {$170.00} to proceed with closure. 

Citi also reported adverse credit information to the credit bureau. They have since refused to fix the adverse credit information. 

As I researched the {$170.00} in fees, I saw that in XX/XX/XXXX nothing was owing. In XX/XX/XXXX, it showed {$65.00} in checking and {$100.00} in overdraft. I NEVER used these accounts and they should have been closed multiple times. 

This has been a maddening experience, causing me hours and hours of time and trouble. I have called multiple times, and made 2-3 branch visits to try and rectify this. I also want all service fees ( minimum {$170.00} ) refunded to me ASAP with a corporate apology. I want all adverse credit info removed ASAP. They are an unethical bank with very poor customer service. 

Very Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 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: MI

Complaint narrative:
First contacted XXXX, XXXX, Trans Union and XXXX XXXX XXXX about FOUR XX/XX/XXXX charged-off credit card accounts listed on my credit profile, the do not belong to me in XX/XX/XXXX. According to the credit reporting by XXXX XXXX XXXX, theses accounts were opened in XX/XX/XXXX-XX/XX/XXXXand closed XX/XX/XXXX-XX/XX/XXXX. I explained in my disputes in which I included copies of my drivers license and social security card that these accounts did not belong to me. I asked XXXX XXXX XXXX to provide positive proof of my responsibility for these accounts in XX/XX/XXXX and XX/XX/XXXX with no response whatsoever from XXXX XXXX XXXX. I resent these in XX/XX/XXXX certified Mail. All three credit bureaus have returned these disputes as investigated and as being mine on two occasions since XX/XX/XXXX with no evidence or proof I own these debts. No attempt to provide Proof of my responsibility in the form of an original credit application showing my name, an address Ive actually lived at, my social security number, and date of birth. So far, each credit bureau has returned results with no change, and XXXX XXXX XXXX does not provide any proof of my responsibility.

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 2018-01-24 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: Atlanticus Services Corporation
State: WA

Complaint narrative:
I decided to check my XXXX XXXX after not checking for many years to make sure nothing is out of the usual and saw under XXXX  report, 2 hard copies from companies that I dont even know. Nor have I requested for any credit card/loan in the past couple of years. Or was ask by anyone to have credit checked. These 2 companies are below : XXXX XXXX XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Inquiry shows : XX/XX/XXXX And Creditor Contact Details XXXX   XXXX XXXX XXXX XXXX, FL XXXX Inquiry shows : XX/XX/XXXX These hard inquiries are hurting my score and I would like to find out how to remove them. I never agreed for those inquiries. 

Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: CO

Complaint narrative:
I filed a complaint already back in XXXX saying that Sallie Mae would not work with me about lowering my monthly payment. They called me during work and when I was off work they were gone for the day. And they said they would send me a letter and I never got one. They closed my case saying that it was resolved when it was not. My loan monthly payment is more than I can afford. I have to get health care and dental care and I wont be able to afford it as my payments continue to sky rocket! I now have to choose between food or gas. Because I have to save up money for my loans I have XXXX dollars to my name to last me for two weeks until I get paid and I have to save that pay check to pay for Sallie Mae and other bills

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 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: IL

Complaint narrative:
In XX/XX/XXXX, I had various online transactions that were fraudulent. As soon as I saw them on my statement in XX/XX/XXXX, I called XXXX security team to have my card canceled and file fraudulent claims on those transactions. I did receive a new card but did not receive any updates on the claims. 2 weeks later I talked to a Citi representative via chat and they also informed me that no disputes were filed and that she would file them for me. A week later after not hearing anything, I called Citi again. The representative XXXX also said that neither of the agents had filed any disputes on the fraudulent transactions. He also said that he would get the matter escalated, but I believe nothing has been done from the 3 times that I have tried to contact Citi.

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 2018-01-24 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I decided to check my XXXX XXXX after not checking for many years to make sure nothing is out of the usual and saw under XXXX report, 2 hard copies from companies that I dont even know. Nor have I requested for any credit card/loan in the past couple of years. Or was ask by anyone to have credit checked. These 2 companies are below : XXXX XXXX XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Inquiry shows : XX/XX/XXXX And Creditor Contact Details XXXX  XXXX XXXX XXXX XXXX, FL XXXX Inquiry shows : XX/XX/XXXX These hard inquiries are hurting my score and I would like to find out how to remove them. I never agreed for those inquiries. 

Thank you,

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 2018-01-24 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: MI

Complaint narrative:
First contacted Equifax, XXXX, XXXX XXXX and XXXX XXXX XXXX about FOUR XX/XX/XXXX charged-off credit card accounts listed on my credit profile, the do not belong to me in XX/XX/XXXX. According to the credit reporting bXXXX XXXX XXXX XXXX theses accounts were opened in XX/XX/XXXX-XX/XX/XXXX and closed XX/XX/XXXX-XX/XX/XXXX. I explained in my disputes in which I included copies of my drivers license and social security card that these accounts did not belong to me. I asked XXXX XXXX XXXX to provide positive proof of my responsibility for these accounts in XX/XX/XXXX and XX/XX/XXXXwith no response whatsoever from XXXX XXXX XXXX. I resent these in XX/XX/XXXX certified Mail. All three credit bureaus have returned these disputes as investigated and as being mine on two occasions since XX/XX/XXXX with no evidence or proof I own these debts. No attempt to provide Proof of my responsibility in the form of an original credit application showing my name, an address Ive actually lived at, my social security number, and date of birth. So far, each credit bureau has returned results with no change, and XXXX XXXX XXXX does not provide any proof of my responsibility.

Company response to consumer: Closed with explanation