vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-10 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: CA

Complaint narrative:
I have filled numerous complaints with TransUnion and they finally responded by removing the 3 loans that were originaly XXXX XXXX XXXX XXXX # XXXX which were well over XXXX years old. XXXX sold these same loans to XXXX XXXX XXXX. 
TransUnion only removed just one of the XXXX XXXX # XXXX and not the other 2 were left on the report. The remaining 2 also need to be removed. These other 2 loans are both numbered the same which are # XXXX both reported on X/XX/17 according to theTransunion Resolution Summary. 
The remaining 2 XXXX XXXX are the same XXXX loans and need to be removed from my credit report also. We were warned by the refinance agencies that TransUnion would be difficult to deal with and they were right.I am old living on a fixed income and need to refinance my house but the the game playing by TransUnion still continues. Why did n't they remove the others like XXXX did?

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 2017-10-10 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: DC

Complaint narrative:
XXXX. XXXX XXXX Account # XXXX Collection for XXXX XXXX Bank XXXX {$720.00} Fraudulent Account Please Remove XXXX. XXXX XXXX Bank Account # XXXX Charge off Past Due Amount {$570.00} Fraudulent Account Please Remove XXXX. XXXX XXXX Account # XXXX Charge off Past due amount {$570.00} Fraudulent Account and Reported Twice XXXX XXXX XXXX Bank XXXX Submitted to Collection Amount {$750.00} Fraudulent Account Please Remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: RFNA, LP
State: TN

Complaint narrative:
I have lost my source of income and paying back amount is extremely difficult to payback. Company refuses to negotiate or lower payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX Comenity Bank/XXXX, Comenity Bank/XXXX and on XX/XX/XXXX Comenity Bank/Victoria Secrets pulled my credit report for a credit limit increase, i later was notified by letter that they could not obtain my report and could not contact me with the information on file. Also the request could not be processed. A hard pull was place on my XXXX credit report but they claim that it could not be processed. I contact them and was told by a supervisor to dispute the inquiry and it would be removed and the request would be sent to the credit reporting department, i have disputed it twice and each time it comes back as verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-10 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: DC

Complaint narrative:
XXXX. XXXX XXXX Account # XXXX Collection for XXXX XXXX XXXX XXXX {$720.00} Fraudulent Account Please Remove XXXX. XXXX XXXX XXXX Account # XXXX Charge off Past Due Amount {$570.00} Fraudulent Account Please Remove XXXX. XXXX XXXX Account # XXXX Charge off Past due amount {$570.00} Fraudulent Account and Reported Twice XXXX XXXX XXXX XXXX XXXX Submitted to Collection Amount {$750.00} Fraudulent Account Please Remove

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 2017-10-10 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: DC

Complaint narrative:
XXXX. XXXX XXXX Account # XXXX Collection for XXXX XXXX XXXX XXXX {$720.00} Fraudulent Account Please Remove XXXX. XXXX XXXX XXXX Account # XXXX Charge off Past Due Amount {$570.00} Fraudulent Account Please Remove XXXX. XXXX XXXX Account # XXXX Charge off Past due amount {$570.00} Fraudulent Account and Reported Twice XXXX XXXX XXXX XXXX XXXX Submitted to Collection Amount {$750.00} Fraudulent Account Please Remove

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 2017-10-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I have an account with Paypal credit. In XX/XX/XXXX I had an issue with them not honoring the promotional payment terms I selected for an XXXX purchase. I filed a complaint with consumerfinance.gov, and the issue was resolved. However, since that time my Paypal credit statements have not been providing accurate information. Many promotional purchase items do not show monthly balances that make any sense. Even when reconciled to the information provided on the statements, some items show paid off before they were supposed to. Some items show as not being paid off, even though they should be. Some items that are supposed to have a fixed monthly payment amount vary wildly in the monthly payment amount allocated to the item. Also, the standard purchase amount ( the amount subject to interest charges ) is off by a large amount. Therefore, I can not determine that I am not being overcharged monthly interests fees because Paypal will not provide the information needed to determine this. 

I spoke with a supervisor, XXXX, on XX/XX/XXXX. He told me he would audit the account, and follow up with me. I followed up every week for two months, and I have never heard back from him. Other supervisors later told me that I would be sent a letter breaking down how monthly payments were applied. I have never received any letter. I followed up with this twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
On XXXX XXXX, XXXX at XXXX ( PST ) I was contacted by Santander Consumer USA regarding my account status and a pending complaint that I had with the company. After informing the agent ( identified himself as someone calling from the President 's Office ) that it was XXXX, the call ended after he informed me his system did not stop the call from going through. I was woken up to take this call and felt completely violated by this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-10 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: CA

Complaint narrative:
On XXXX/XXXX/XXXX XXXX XXXX/XXXX, XXXX XXXX/XXXX and on XXXX/XXXX/XXXX XXXX XXXX/XXXX XXXX pulled my credit report for a credit limit increase, i later was notified by letter that they could not obtain my report and could not contact me with the information on file. Also the request could not be processed. A hard pull was place on my Experian credit report but they claim that it could not be processed. I contact them and was told by a supervisor to dispute the inquiry and it would be removed and the request would be sent to the credit reporting department, i have disputed it twice and each time it comes back as verified.

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 2017-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This lender claims that I was 90 days late, one I spoke to customer care representative and I explained that I have not received any letters from them and that I will pay my account fully they told me they were going to remove the late payment alert from my credit report. This has not happened

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
During the process of leasing a new car on XX/XX/XXXXin XXXX XXXX, CA, my credit report was run. I check the my credit score frequently, and knew the scores were at or near XXXX. The day they ran the report, the XXXX score was accurate ( XXXX ), and I leased a vehicle. A few weeks later I rececived a letter from XXXX XXXX XXXX XXXX ( XXXX ) indicating that another credit reporting agency I had never heard of, SageStream , LLC ( XXXX ) reported my score as XXXX. After some initial online investigations, I read that other folks were having this same issue ( high or similar scores for the mainstream credit reporting agencies like XXXX, XXXX, and XXXX, but SageStream reporting scores several hundred points lower. ) On the SageStream website there is no way to contact them online ; you can only call or mail/fax them. In fact, they have detailed instructions on their site to fax/mail them a copy of all of my personal info ( including SSN ) if I want to obtain a copy of my credit report. Not only are the above mentioned practices questionable, and potentially indicative of some kind of fraud, the suspiciously low credit scores they provide are hurting people 's livelihoods and purchasing power. Please investigate SageStream , LLC, and put an end to their erroneous and harmful reporting.

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 2017-10-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I moved into an apartment complex XXXX/XXXX/XXXX and was evicted for one month unrated rent the following year in XXXX. My rent was {$1200.00} a month I missed one month, I also had a security deposit of {$1600.00} ( although I know I was n't going to get my security deposit back ), a year later I decide to check my credit score and it stated that I was in debt with Kimball, Tirey & St. John LLC {$4000.00}. I had no idea about this was n't informed or contacted. I kept scrolling and saw that they had another collection out for {$500.00}. So I have two collection cases open now with this firm, one for {$4600.00} and the other for {$590.00}, over {$5000.00} in unexplained debt. They sent letters to my family members homes as well as my fiancee 's mother 's house saying they would take legal action if not paid but never explained why either account was so much and why two cases were open.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
In deciding the outcome of a dispute Bank of American took {$75.00} out of my account triggering consumer protections under regulation E of the CFPB. 

Bank of America has adhered to none of those provisions in this incidence and with the activation of the 5 business day window of being required to honor most incoming charges it would have otherwise honored, it has demonstrated a purposeful disregard for the law. 

Moreover when management XXXX XXXX in Arkansas ) has been confronted with their lack of compliance they plead ignorance. 

In their current, active, and continuing illegal denial of legitimate incoming charges including those from XXXX, XXXX, XXXX, and XXXX Bank of American has caused me injury. 

This is an immediate problem causing me injury now and yet again when confronted, BOA management suggested I write a postal service letter. 

Rights delayed are rights denied and I request immediate and remedial action to fix the problems BOAs reckless disregard for the provisions of regulation E has caused.

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 2017-10-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been disputing this bank for four years after I found out about the FRAUD and I keep getting the same OLD story. This company has told me to call them the company that I am disputing and discuss the problem with the company. I dont understand Why I cant get this company to delete this bank off of my report. I have successfully gotten the other credit reporting companies to remove this bank, after a thorough investigation was done.I AM NOT BEING TREATED FAIRLY IN THIS MATTER!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 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: PA

Complaint narrative:
On my TransUnion credit report, did not authorized the following parties to access my credit report with hard inquiries, Wrote letters to them all, and requested documents with my authentic signature, stating I authorized them to acces my credit report, and never got a response back. The following parties illegally access my credit report without my authorized signature authorization : XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX,XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX 
XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2017-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: PA

Complaint narrative:
ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Just got a notification on my credit report that this was added yesterday. I have no outstanding balances and dont even own a credit card. My information was stolen in the XXXX data breach.

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 2017-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
i called ccs to pay the balance of {$150.00} they told me they no longer have authority to collect and it was sent back to XXXX. I called XXXX and paid in full. Its been a week since payment and its still listed on my credit report as a open collection with a balance of XXXX I would like this removed since they no longer have authority to collect this and its been paid in full.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV

Complaint narrative:
New Mortgage Servicer - not the bank that loaned the money for the house, but anyway, calls on the XX/XX/XXXX if the payment is due on the first two months in a row and it is done at XXXX XXXX  which is illegal they can not call before XXXX XXXX and I work nights  and this is the second month in a row they have called. I notified them twice and that is why I am filling this report they are not following the terms of the agreement and I am sick of being harassed I believe that they need to be investigated for their collection process. I have two months free of charges during their transfer period. Where is the protection for the customer when these " companies '' handle your mortgage just looks like more fraud to me and if they play with my mortgage one more time I am walking and you can all go XXXX yourselves.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 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: TX

Complaint narrative:
inaccurate information everything wrong, violates my hippa and cra acts must remove them asap destroying my life

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 2017-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I have disputed a debt with XXXX XXXX XXXX, and they have not provided me any validation that the debt belongs to me. I have asked them for a signed contract between myself and XXXX XXXX XXXX, and have also asked the original creditor ( XXXX XXXX XXXX ) for a signed contract. The original creditor said that they do not keep information on file after the debt was sold. They did state that the amount of the debt was {$3900.00}. The debt was sold to XXXX XXXX XXXX on XXXX XXXX, 2013, and since then XXXX XXXX XXXX has reported that amount owed is {$4000.00}. This is a clear violation of the FDCPA by XXXX XXXX XXXX. I am not assuming responsibility for this debt, nor am I claiming ownership. XXXX XXXX XXXX has failed  to provide clear validation of this debt by not providing me a signed contract with my signature on it. So they are in violation of the FDCPA and FCRA. I am demanding that this debt be removed from my credit report by all 3 credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 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: TX

Complaint narrative:
inaccurate information everything wrong, violates my hippa and cra acts must remove them asap destroying my life

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 2017-10-10 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: TX

Complaint narrative:
inaccurate information everything wrong, violates my hippa and cra acts must remove them asap destroying my life

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
inaccurate information must be removed violates hippa and cra

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 2017-10-10 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
inaccurate information must be removed violates hippa and cra

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 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: NH

Complaint narrative:
Experian is reporting an alternate SSN tied to my information : I contacted them and provided them a photo copy of the ONLY SSN I have ever had ; nothing was done to fix it or show in their investigation a status of fixing it. They should not be allowed to list an invalid and never owned SSN on my credit report It is listed as : Social Security number variations : XXXX Report Number : XXXX Online Credit Report from Experian for : XXXX XXXX Report date : XXXX XXXX, 2017

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief