vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-05 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On my Equifax credit report my mortgage payments and balances are not being reported at all for several months dating back as far as 2017. I call XXXX to resolve the matter and I am told that XXXX is reporting my mortgage information accurately and consistently and that it is an issue with Equifax however the data is not available still in my Equifax credit report. So, I call, file complaints and disputes with Equifax and they respond by telling me that it is XXXX XXXX   fault that XXXX is not furnishing them ( Equifax ) with the data. I AM NOT GOING AWAY! THIS MATTER  WILL BE RESOLVED REGARDLESS OF WHO'S FAULT IT IS! 
Please take a look at the Equifax credit report, you will see that multiple months reflex no data for my XXXX Mortgage. I AM NOT OK WITH THAT, IT NEEDS TO STOP! 
Also the resolution letter from XXXX does not address this issue and why and who is NOT DOING THEIR JOB! FIX IT OR PAY THE PRICE! XXXX has already been sued for this lack of ethics and changing your name isn't going to change the fact that what you are doing is wrong on so many levels.Way to much data missing from my XXXX mortgage, MONTHS!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
You say that your company has reinvestigated these accounts and verified them as being accurate but it is obvious that you have verified nothing. All you have done is parroted information given to you by other sources and shifted the burden back to me to prove that the reported items on the accounts listed below are not valid which is clearly in violation of 1681 ( a ) ( 4 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I received a letter from a third party mediator informing me that I was about to receive a court summons for a civil suit against me for defaulting on a credit card from Synchrony Bank. I called the bank. They told me they no longer handle this debt and gave me the contact information for a collection agency, XXXX XXXX, located in XXXX, Wisconsin. I called this agency and spoke to an agent. I am XXXX and my sole source of income is Social Security Disability. I told them that it is against Federal Law for a private debtor to garnish or levy a persons Social Security Income. It is against the law to garnish or levy a persons bank account to which Social Security is directly deposited. Even in the case of a court judgment. I offered a small monthly payment arrangement, but they wanted a higher payment that I can not afford. I have a financial hardship, and need money for basic necessities and my prescription medications. They said they did not care, and unless I paid them {$46.00} per month for four years, they would continue court proceedings. They said their goal was to obtain a judgment in court to garnish my Social Security income. I believe this threat is a violation of Fair Credit Laws.

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 2019-11-05 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: OH

Complaint narrative:
I am trying to buy a house and get a new job and the information that is on my report is inaccurate and unknown to me. Addresses and names and information on all three agencies XXXX, XXXXandXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX- XXXX, XXXX , OHXXXX, XXXX , OHXXXX, XXXX , OHXXXX, XXXX , OHXXXX XXXX, XXXX , OHXXXX- XXXX, XXXX, OH : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: GA

Complaint narrative:
I went to help my son get a loan for college and when I spoke with the lady from the bank she told me that I was not able to get the loan right now because of my credit. I really didn't understand how because I don't have credit issues. I went to look at my credit and there is a XXXX XXXX account XXXX and some inquries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please remove these. I contacted FTC and local police immediately also.

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 2019-11-05 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: GA

Complaint narrative:
I went to help my son get a loan for college and when I spoke with the lady from the bank she told me that I was not able to get the loan right now because of my credit. I really didn't understand how because I don't have credit issues. I went to look at my credit and there is a XXXX XXXX account XXXX and some inquries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these. I contacted FTC and local police immediately also.

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 2019-11-05 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: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 non-monetary relief
Consumer complaint received 2019-11-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: AR

Complaint narrative:
On XX/XX/2019 I spoke with XXXX XXXX with Loan Depot. He and I talked about an equity line of credit on our home and maybe a refinance. On XX/XX/2019 I received an alert from my credit monitoring service that there had been a hard inquiry on me. I looked and it was from XXXX -- also known as Loan Depot. So, I sent XXXX an email because I absolutely could not remember giving him permission to pull a hard inquiry, only permission to pull a soft copy. Well, turns out I did give him permission to pull a hard inquiry-only that is not what he called it. He called it a tri-merge credit pull. He apologized for not making clear to me what he was doing. That is a very misleading thing to do for customers. I told him that was misleading and that I was filing a complaint. He asked me " WHY ''? I took a ding on my credit and my husband 's credit because I didn't understand what he meant. I'm writing this because I want every one else to be aware of what they mean when they say tri-merge credit pull. So, now I have to plead my case to the credit bureaus and hope they remove it -- had I known I wouldn't have agreed to do that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2019-11-05 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: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: ID

Complaint narrative:
Experian has deliberately messed up my credit report. I have so many times my veins are pumping blue with ink. I contacted USA.Gov and XXXX told me " If the collection information is valid, you must wait 7 years from the original delinquency date for the information to cycle off your credit reports. The original delinquency date is the date the account first became delinquent and after which it was never again brought current. '' After checking with CFPB learned it depends on staute of limitations of state which is Idaho, State of Idaho says, " Idaho Statute of Limitations on Debt Collection. ... In Idaho open accounts, like a credit card account, have a statute of limitations of 4 years. 

NOTE : The time period begins as of the date of the last item, typically a payment or a charge under a credit card agreement. 
Idaho Statute of Limitations on Debt Collection | ID Debt Laws ... 
https : //XXXX XXXX states I can not buy a plane ticket. I can not buy a XXXX. XXXX  let a guy cash a check with my name on it and walk out door while at same time dragging me into collections. He did not even have proper ID. It should have been run thru his business account. 

Please help correct credit score. It seems every time I try it gets lower. 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 2019-11-05 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:
XXXX XXXX XXXX  XXXX is showing up on all 3 of my credit bureau reports and I have not recollection of this account. I have disputed this with the creditor and the credit bureau 's and nothing has been done on the accounts. XXXX, Equifax, or XXXX has furnished the information that I requested to proved and validate that this debt belongs to be. All the furnished was a statement stating that the verified it was my account and when i asked for the documents showing that this is my account the have not yet provided this information to me. The are reporting two accounts one as paid and closed and one as charged off. This information is incorrect and not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: NV

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
Offer was a bait and switch - wouldn't honor discount and terms as listed. I have a copy of the terms, but when requested to honor fee terms it was denied. The crux of the offer was the first year fee, {$450.00}, waived. One representative said it was a short time window and suggested I now pay the {$450.00}, the other said an error. Which is it? 

Went to read terms ( I did print them out ) than later apply on the same day XX/XX/2019 Called in to AMEX XX/XX/2019 https : //www.americanexpress.com/us/credit-cards/card-application/apply/hilton-honors-aspire-credit-card/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Predatory mortgage company. 

Specialized Loan Servicing bought my mortgage about 3 years ago. My original mortgage contract states that insurance and taxes are not to be escrowed. This company has started escrowing my insurance and taxes. My insurance original contact states that insurance is not to be escrowed. My insurance is paid until XX/XX/XXXX. My taxes have been paid for XXXX -XXXX and XXXX - XXXX. This company is taking my mortgage payment each month and putting it toward escrow and accusing me of not making my payments. They are threatening foreclose. I filed a complaint with this company in XXXX but have heard nothing from them. this company has to legally follow the terms of the original contracts. I have tried verbally and in writting to get this resolved, they refuse to acknowledge my concerns. 
LLC Specialized Loan Servicing XXXX. XXXX XXXX XXXX Co. XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Fl. XXXX e-mail 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 2019-11-05 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: WA

Complaint narrative:
An individual has used XXXX XXXX in XXXX to open and account or purchase a phone using my name. I have never been or will ever be a XXXX   customer. The amount is {$1100.00} and I have a phone number attached to my credit report that I have never seen or used starting with I believe XXXX or XXXX. I have never been in a XXXX XXXX store, never signed anything with XXXX and have never received a call from XXXX XXXX or a collection agency on this matter. I hope they have a video of this person or signatures that we can verify arent 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 2019-11-05 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: NV

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-11-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
EQUIFAX has been made aware i have been a victim of identity theft and refuses to remove accounts that i have no knowledge of both Accounts - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On or about XX/XX/XXXX, I received an email offer from XXXX XXXXXXXX which promised XXXX miles upon approval. Since I fly XXXX I applied. When the application came up on my screen it showed an APR of 17.34 %. Nothing else was disclosed. I filled out the application online and was approved in less than 5 minutes for {$5000.00}. 

I received the card in the mail on XX/XX/XXXX. Upon opening the envelope I began reading the terms and conditions. The first item was " when you spend {$2000.00} within the first 90 days you will receive XXXX on your mileage plan. The next item was the percentage rate of 23.74 %. The last item I found out today was a XXXX XXXX yearly enrollment fee. My credit rating is XXXX according to the enclosed report. 

I did not activate the card, and I cancelled it on XX/XX/2019.

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 2019-11-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: TX

Complaint narrative:
During the application process for a Sallie Mae loan, I was not informed about the type of loan I was going to be receiving nor was I informed on the start date that the repayment would go into effect. Notwithstanding, the repayments went into effect immediately the loans were disbursed. And to settle the loan repayments, I called the company on XX/XX/2019 to attempt to lower my payments and they presented me with a monthly payment option of {$270.00} per month. Unfortunately, I earn less than {$1000.00} a month and when considering my other expenses, being able to cover that monthly bill becomes unrealistic. After I voiced my concerns to the company, they informed me that the only option I had available was to put my account in forbearance. And due to my limited funds available, I agreed and put my account into forbearance until XX/XX/2019. Before it was XX/XX/XXXX, I called the company yet again and they advised me that by not making a payment and waiting until after XX/XX/XXXX when the account is no longer current and calling the collections department, I would be able to lower my monthly payments. After I called the company XX/XX/2019, I was then redirected to numerous departments- customer service, collections, the account manager line, without making headway. While on the phone with the collections department representative, I was commanded to call back tomorrow and to request for the SSGR  program that it will lower my monthly payments and that I qualify for it, no questions asked. But when I called in XX/XX/2019, I inquired about the SSGR program and was told that I did not qualify. I even asked it there was something available to me that would lower my payments, being that I am now no longer current, and 2 days passed the payment due date, however, I was once again misinformed, misguided and left without reaching any plausible solution. There was no payment option lower that would fit my financial situation. Whenever I heard this, I asked what else I have available if my payments can not be made and the customer service representative replied and told me that if payments were not made the only thing they could do for me is register a delinquency on my credit report. Thereafter, I asked to speak to a supervisor and she completely shut me off, stating that there was nothing she could do and that moving the payment due dates to a later was impossible. She also stated as with the customer service representative that I did not qualify for the SSGR  program.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CO

Complaint narrative:
I had an insurance claim incident at my home and went through the process of making the claim and having the money sent to my mortgage company ( XXXX XXXX ) having them inspect the property after repairs were made, finally getting the funds back to pay the contractors and put the whole incident behind me. A small check of about 1 % of the total claim was paid separately and again submitted to XXXX XXXX in mis XXXX. XXXX XXXX has since sold the mortgage to LoanCare who is holding this check. I have provided all contact info of past mortgage company, insurance adjustor and contractors to LoanCare and they are still not releasing the funds or sending another inspector out to the house claiming they need more information and release of liens from contractors which my contractors said that they have provided. Do some work yourself LoanCare and stop holding peoples $ $ you are scammers.

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