vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-17 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA

Complaint narrative:
XXXX / XXXX /   16  Called credit bureau to try to have inquiries removed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Partners Financial Services Inc
State: CA

Complaint narrative:
PARTNERS FINANCIAL SERVICES INC STARTED CONTACTING ME OUT OF NO WHERE SAYING I OWED   XXXX   XXXX   XXXX    {$1900.00} NEVER TELLING ME WHAT THIS WA S ABOUT.THEY  HAVE BEEN CALLING AND SENDING LETTERS SINCE  XXXX   2016  ON ACCOUNT NUMBER  XXXX  .FROM MY UNDERSTANDING THERE 'S A BOL MISSING THAT WAS SENT TO THE BROKER ON TIME, THAT THEY HAVENT TIRED TO GET A COPY FROM, KNOW ONE HAS EVER CALLED ME ASKING FOR IT TO SEE IF I HAD A COPY .THEY JUST STARTED HARSING AND REPORTING FALSE AND INACCUARTE INFO TO 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 2017-05-17 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: TX

Complaint narrative:
I previously attempted to get a dismissed public record removed from my credit profile with Equifax. They 've continued to report a confirmed dismissed bankruptcy on my report. It is Equifax 's policy to keep reporting bankruptcies that are filed, dismissed for 10 years. The  FCR  act mentions nothing in Sect ion 168 relating to bankruptcy about dismissals or filings. The law mentions date of adjudication or ord er of relief. A dismissed case no longer exists in the eye of the law and a case filed  may have never been adjudicated. Equifax basically reports information that the government deemed nonexistent. In addition, I was referred by Equifax to contact the US Bank ruptcy court. The clerks at the courts stated that they do not report any information to credit reporting agencies. In addition,  XXXX   XXXX   ( th ird party reporting agency ) was unable to release information about this case- XXXX . Both   XXXX   and   XXXX    have already removed the information from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
HI, I had an incorrect collection placed under my name from   XXXX   XXXX   XXXX   in  XXXX , Colorado. The collection was placed  XXXX   XXXX  and I moved out of the complex in  XXXX    XXXX  . I spoke with the apartment manager and it was an issue on their end. He reached out to  XXXX   XXXX  ( collection agency ) and had them remove it.   XXXX    removed the incorrect collection about a week later.     I am having issues with equifax not removing the mark. I have calle  d three times and they were not able to help. The last representative advised the remark was removed and sent me a " revised '' full credit report that would reflect the update. Of course, the mark was still there when I received the new report. Their website is useless and shows " completed '' under the dispute number, but neither advises " verified '' or " denied '' as shown in the directions. I emailed 4 tI especially after that. The response I received was please call us because we are experiencing high email volume. I tried to escalate to a Manger and received no response after that other than a survey. I tried to take the survey by the way and the link did n't even work. Worst customer service I 've ever seen.
My thought is if  XXXX  already dismissed the collection then equifax would report the same. Please help me make my credit report cor  rect because I am having no luck with equifax. I can provide the dispute number.     Thank you,  XXXX   XXXX   XXXX  XXXX  XXXX   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA

Complaint narrative:
On  XXXX   XXXX ,    2017 a hard inquiry was placed on my  XXXX  credit report by One Main.    I called and requested them to have it removed but it is still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 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: SC

Complaint narrative:
I have several addresses that are not reportable addresses by me. I have never received mail at these addresses either. They are appearing on my credit report and Transunion refuses to delete them.They are not deliverable by mail to me. there are incorrect phone numbers as well reported that need to be remove as well as employment data.     Attached is my current drivers license and ssn card Remove  XXXX   XXXX   XXXX   XXXX  SC  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  SC  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   Sales Agent   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 non-monetary relief
Consumer complaint received 2017-05-17 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: MI

Complaint narrative:
For the past  XXXX  hree to four  years, Equifax has not been updating the activities on my accounts and has not updated my credit report with new accounts. This includes accounts/activities from :  XXXX   XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX    XXXX   XXXX   XXXX  ,  XXXX   XXXX   XXXX ,   XXXX   XXXX   XXXX  , and  XXXX   XXXX    XXXX   XXXX   My credit reports from   XXXX   and   XXXX    are always up to date, but the Equifax does not update. As a result, my Equifax score is very low. I have submitted requests to Equifax on several occasions and have called and no one has resolved this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
In accordanc e to FCRA Section 609, t hese accounts was further disputed in   XXXX   XXXX    . I advised AD  Astra with a validation letter to prove this debt is mine. In addition, AD ASTRA has failed  to send back the original documentation bearing my signature. Ad Astra Recovery did not respond to initial dispute within 30 days as allowed by the FCRA. They have continued to report inaccurate information and these  XXXX  accounts to  XXXX  credit bureaus. In accordance, they are bound by FCRA to remove alleged debt from that is being reported. It is now   XXXX   XXXX   and way past 60 days when these accounts were initially disputed.  Ad Astra Recovery Service has continued to attempt to collect debt that they know   is not valid and not able to be verified. Multiple disputes in regards to this issue have been filed over this, including a previous dispute with CFPB. They have blatantly broken the law as they relate to FDCPA and FCRA guidelines. On more than  one occas ion, I have tried to resolve this issue with them but they are refusing to follow the law in regards to this issue. The accounts need to be removed. They also stated that documentation was mailed to me which is false. Nothing since they placed these accounts on my reports has been mailed to me. The second issue is that it had been has been proven that the accounts are not valid, no information was provided to verify this account. They state that they are about professionalism but it is obvious that they are not. They have been deceitful, dishonest, and unprofessional in the manner that they have handled this issue fro m day one. I fe el that the only course of action is to file a civil suit which my attorneys have drafted up and will present with my signed petition. I am tired of dealing with this company and this issue. I will also be filing a complaint with the Attorney General as it is within my rights. They have made this process long and hard. Also they could not verify definitively that the accounts are mine and that they belonged on my credit. This is what I mean by dishonest and unprofesisonal business ethics and practices. They have cost me money in this process of disputing with them and this is getting out of hand. They stated that they have a right to collect but they indeed DO NOT by rights and provisions provided to consumers under FDCPA and FCRA. This harassment and blatant disregard for the law is what is have me want to seek damages from  Ad Astra Recovery with filing legal suit against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I go t a Target card wh en I went  XXXX  Friday shoppin g 2016. The gu y at the store must have taken the address off of my license and did n't ask me if it was correct. It was very busy that evening. I noticed I had not received a bill so I called them to take care of it. They sent my card to my soon to b e ex husbands address, which is my old address. He did n't tell me and Target did n't either. I did not have any messages on my phone. When I called to resolve the issue with Target they would not help me they just blamed me for giving the wrong address when I was never asked. I paid the bill that was originally owed based on my receipt. I sent them a letter stating the problem and they keep sending me bills regardless of me telling them I will report them for not even doing a thing to help me. I have NEVER had any complaints about 1 company like this in the past. I just want the Target card cleared and close d. I do n't know that I will shop there again based on this experience. I will tell others of this experience. I think it 's bad customer service because as soon as I realized it I tracked the bill down and payed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 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: TX

Complaint narrative:
Disputed the validity of an account. Submitted all the documentation to Experian and they refuse to remove the account due to the reporting agency being a subscriber which certifies the reporting agency is reporting accurate information even though Experian does not conduct an investigation themselves but rely on the reporting agency to investigate their own dispute therefore a conflict of interest. I have submitted the documentation to all   XXXX   credit bureaus and they account has been removed but Experian refuse to remove the account therefore my credit report is inaccurate.

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 2017-05-17 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: CA

Complaint narrative:
On  XXXX   XXXX ,  2017 , I sent Transunion a lette r 3 wee ks prior regarding several inquiries that were not authorized by me. I wanted to check the status the representative then sent me to a supervisor. Supervisor was extremely rude. I asked him if any of the inquiries were coming off because I am going to open a new account but do n't want them to open the account and issue me high interest due to inquiries that were not mine. He told me none of the inquiries were coming off. I advised him several times that they were not authorized by me. He told me to contact the companies, which I already did. Those companies advised me to dispute with Transunion. He told me he and the company refused to delete them. He advised me to make a police report. I do not have time to make a police report for something that happened without my conse nt 1 or m ore years ago. I tried to explain this to him and he completely refused to honor my request. I am trying to rebuild and establish new credit, these inquiries are preventing that.

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 2017-05-17 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: U.S. BANCORP
State: DC

Complaint narrative:
US B ank closed my account ending in  XXXX  ( which was changed to card ending in  XXXX  ) when I filed a chargeback they didnt agree with.   My interest rate was close to 14 %.   Since they closed the account they arbitrarily changed the interest rate to over 20 %. Please see the statement.   While they can close the account, they certainly cant change the interest. This is fraud and I want the excess interest refunded to this closed account.   I have been making a very good faith effort to resolve all accounts in full even thought we disagreed about the amount. However i will not stand for manipulation of the interest rate without my consent.   They closed the account. It must be at the 14 % rate

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 2017-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
At the end of     XX/XX/XXXX /beginning of  XX/XX/XXXX , I s ent a payment for {$3000.00}. Details are in the  2 l etters I 've written to their customer service.       XXXX   XXXX    2017 I s ent : To whom it may concern : The {$3000.00} that I sent at the end of   XX/XX/XXXX  was for  XX/XX/XXXX  p ayment with the extra to go to principal. In other words, there should have been a total of {$2500.00} going to principal for   XX/XX/XXXX .  Please correct this. I will send   XX/XX/XXXX   payment later this month. Thank you.       On   XXXX   XXXX    2017 I sent  : To whom it  may  concern : My last payment at the beginning of   XX/XX/XXXX  w as for {$3000.00} ; there should have been a total of {$2500.00} going to principal for   XX/XX/XXXX  . My mortgage contract clearly states it as I have previously outlined to you when you went by the name of Greentree. Also, my lawyer has addressed this issue. You need to correct the payment applied at the beginning of   XX/XX/XXXX  t o reflect this and follow my wishes for payments in the future. Thank you.     As alluded to in the last message, I 've had an ongoing problem with Ditech/Greentree. It took a few letters from my lawyer to fix this issue last time.     To anyone considering a mortgage, I would have a clause written in that the mortgage  may  never be sold to, bought by, etc. Ditech,  Greentree  or any subsidiary or such. I WILL be doing this on any future mortgage I EVER make.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: MO

Complaint narrative:
On or about    XXXX   XXXX  , 2016,  I requested in writing for PNC Bank to stop contacting by phone and only communicate in writing. Since that time I have been contacted on several occasions. The last being less than a week ago. I attempted to escalate the matter to the supervisor  XXXX , however I was only transferred to a voice mail. Again no reply from t he Supervisor   XXXX . I attempted to speak to  XXXX  's manager, however they will only transfer you to  XXXX . All of the representatives will not transfer you past a supervisor. This in it 's own right is suspect as I was told duri ng one call that m y phone # was removed for calls, however it was later added back to the account. Yesterday I spoke with a  Vice President on th e escalation team  XXXX   XXXX . Her best defense is that  PNC  cant find the letter requesti ng PNC ce ase contact. While I appreciate  XXXX   XXXX  's position that PNC ca n't locate this letter, it does not negate the fact that PNC is in possession of the letter. If PNC lost the letter, appended the letter to an incorrect account, or threw it in the trash. None of these reasons or excuses are acceptable. I informed  XXXX   XXXX  of my intent to file this complaint. She asked that I resend the letter. I refused to do so. I do not want  PNC  to have the excuse that they " just received '' the letter, when in fact they received the letter in  XXXX  of    2016.       One would think that a bank like PNC would operate with common sense. A customer has told many of your staff that he does not wish to be contacted, Has sent in a letter demanding PNC stop calls, and as a last ditch effort communicate with  the Vice President of your Escalated Complaints Team. But NO.. The day after my conversation with  XXXX   XXXX , the harassment starts again. More calls from PNC. When I attempted to advise the caller that I was in contact with  XXXX   XXXX , the representative refused to look up  XXXX   XXXX  in the directory she has available and even refused to provide an employee or agent ID.     I respectfully request the CFPB as well as  the OCC fully  engage an investigation into  PNC  's business practices and their failure to adhere to Federal and State Laws. Considering the way in which PNC handles their Cease Communications Requests, I can not believe I am the only customer who 's letters are " not on record ''. I believe this to me a willful attempt by PNC to avoid adhering to consumers requests.     Thank you in advance for your time and review of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On  XXXX / XXXX / XXXX  I was made aware from   XXXX   XXXX   XXXX   that I had a loss history report on my consumer report, he emailed me a copy. The company that reported it was  XXXX   XXXX ,  XXXX  I called and spoke to  XXXX , she said there was nothing on my repot in regards to this matter. Then I was in the process of buying a used car, when I received several notices from  XXXX ,  XXXX   XXXX ,  XXXX , that I would be denied insurance because  Trans Union  has a vehicle loss from  XXXX / XXXX / XXXX  that states I owned a  XXXX   XXXX   XXXX  & was in a n accident & policy holder was unknown, & the other driver is unknown. It says that I was paid {$3700.0 0}. I do n't know where this information came from because I have not owned a car for over 20 years. I was not driving or in any car that was in an accident. I also contacted  Trans Union they s ent me my credit report not my consumer report, also said there was no history of that. It has to be on my report because all od the denial notices where after notifying them.

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 2017-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: OH

Complaint narrative:
On  XXXX   XXXX ,  2017 , I noticed that a  XXXX  phone bill had appeared on my credit files. I requested that  XXXX  validate the debt and send me a copy of the application that was used to open this account. They never replied back to the debt validation request.   Now, diversified Consultant is coming after me. I have continued to request that they validate and they continue to allow this to report on my files.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I DO NOT agree with the answer given by the bank of america about my complaint of the case # complaint  XXXX  about Bank of America.   This bank makes its rules at its convenience and the final consumer has no protection and that is wrong, there should be an equity between both parties, when one applies to a credit card from this bank, usually the small print is not read, It is also in the opening of current accounts.   The Bank of America overdrawn at {$880000.00} each account seems to me to be something tremendously bad, this bank acts overriding the rights of financial administration, so I hereby ask you to review the case and to return my rewards won for 10 years and pay m e Interest, expenses and indemnification. And an investigation on my complaint.    I also want to thank you for the offer of a lawyer in the case of Bank of America.   Bests Regards,  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