vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
The school was sued because they werent teaching the correct curriculum and didnt do what they were promised. So this debit was supposed to be canceled and I was suppose to be able to get my money back. I have e-mails messages stating that the debit is canceled, but is still reporting to my credit bureaus as a collection that is 15 years old. The credit bureaus state that collections are only suppose to stay on your bureaus for up to 10 years and then fall off. But these loans that were suppose to be settled are showing that they are 14 years and 11 months old and still showing on my bureau. Not only that they are reporting the same loan 6 times, making it look like I have 6 different student loans, instead of one. Please remove these from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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:
XXXX XXXX XXXX continues to report late payments on a car returned to them. The car had a manufacture documented faulty ignition- yet when the vehicle was returned they sold it to someone else and continue to report to Experian and possibly other credit bureaus that payments are late and debt is owed. This is creating a problem - because companies like XXXX and XXXX XXXX from Montana are now using Experian to issue apartment rentals and are giviving priority to this reporting for housing.

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 2019-07-30 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
Exeter Finance Company took the car after receiving a payment that month - by coming onto private property without Police. They claimed that Pennsylvania does not required it. To date- they are reporting the vehicle debt as new and regularly report late payments when the car was taken in XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX took the car after receiving a payment that month - by coming onto private property without Police. They claimed that Pennsylvania does not required it. To date- they are reporting the vehicle debt as new and regularly report late payments when the car was taken in XX/XX/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 explanation
Consumer complaint received 2019-07-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted a dispute for two small medical collections from XX/XX/XXXX. They are duplicates so only one account should be reporting. Further, insurance paid the bill so it should not have gone to collection. Originally it showed up as two collections for XXXX dollars and showed paid and closed in XX/XX/XXXX. After dispute it now still shows as two collections for the same amount but makes it appear that they were just paid and closed on XX/XX/XXXX. When I call to discuss with equifax they tell me that my security answers do not match my profile so they can not discuss my report with me. I was reading the answers to their questions about my active accounts directly from a current Equifax credit report so not sure how it was not matching. So they not only botched the task of removing the collection, which the other two bureaus did in less than a week, but now they are giving me the run around by telling me they cant discuss their error with me over the phone and I have to mail in my information and drivers license to them. How could my information not match what is on my Equifax credit report? I am trying to purchase a home and those collections are the only blemish on my credit. By making them look like they are from a week ago it dropped my score 10 points. I need this resolved ASAP. At the very least remove the duplicate and put the date in the other back to closed in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Shellpoint mortgage servicing send me a certified letter yesterday XX/XX/XXXX and they did not address my concerns at all but a new amount again mow they claimed I owed them last month They are trying to get me into a loan modification why las time XXXX XXXX XXXX did they add {$110000.00} more to my mortgage loan well again I do not mine at all if they help me but my last complaint was about getting to know why im not into my loan modification the one on XX/XX/XXXX why??? This company is making me sick with all their lies and corruption again they send me a letter with my wife 's wrong name and a singed that was done here in florida the law she singed for the titile she was not in my loan her bankruptcy was in XX/XX/XXXX for a different reason and I got my loan modificacin on XX/XX/XXXX No prove of where is the shores or missing month they claimed I owed them last week I called their lost mitigation office and at first they did mot know anything and then they said was it was on XX/XX/XXXX I got a copy from my bank for those months and 6 months stating last month now they saying it is last mount

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: MD

Complaint narrative:
There is a student loan account that is reporting on my credit report in which I am unsure that student loan belongs to me. I have tried contacting the school via correspondence ; however, I haven't received any documentation suggesting that this account belongs to me. 

I never received any documentation or invoice regarding this account.

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 2019-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
There is a student loan account that is reporting on my credit report in which I am unsure that student loan belongs to me. I have tried contacting the school via correspondence ; however, I haven't received any documentation suggesting that this account belongs to me. 

I never received any documentation or invoice regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There is a student loan account that is reporting on my credit report in which I am unsure that student loan belongs to me. I have tried contacting the school via correspondence ; however, I haven't received any documentation suggesting that this account belongs to me. 

I never received any documentation or invoice regarding this account.

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 2019-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The following companies ran unauthorized credit report on me.. I never authorized such inquiry..I have never given permission for them to inquire my credit status.. 
Delete inquiries done by XXXX XXXX XXXX XXXX XXXX, ON-SITE MANAGER

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is really simple. I had BofA over 10 years or so, and on the on-line banking system from many years ago, I was known as XXXX XXXX, I have changed my name and gender to XXXX XXXX XXXX and in fact I applied for and received a credit card via BofA under XXXX XXXX  : XXXX XXXX XXXX XXXX. 

So now, it would seem really simple to open up a checking account as well with BofA, but NO! 

First of all, they refuse to change my name, thus discrimination, the on line banking systems alwasy says welcome XXXX and there is no way to change it, thus my first discrimination complaint. I have provided you all my ID info, birth cert, social, California ID, so there is no issue, for BofA to continually discriminate against me. 

secondly, they refuse to open up a bank account to XXXX based upon the previous years of date, thus another count of discrimination not only federally but under California strict discrimination laws against XXXX community.

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 2019-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The following companies ran unauthorized credit report on me.. I never authorized such inquiry..I have never given permission for them to inquire my credit status.. 
Delete inquiries done by XXXX XXXX XXXX XXXX XXXX, ON-SITE MANAGER

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 2019-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Thefollowingcompaniesranunauthorizedcreditreportonme..Ineverauthorizedsuchinquiry..Ihavenevergivenpermissionforthemtoinquiremycreditstatus..DeleteinquiriesdonebyXXXXXXXXXXXXXXXXXXXX,ON-SITEMANAGER

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 2019-07-30 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: CA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it XXXX you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

U.S. DEPT OF ED - DIRECT and Chapter XXXX Bankruptcy : Bankruptcy

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 2019-07-30 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: OH

Complaint narrative:
I contacted Transunion, XXXX, and XXXX  on XX/XX/2019 in dispute to remove a bankruptcy from my reports. XX/XX/2019 both Transunion and XXXX   responded saying they verified the bankruptcy  as accurate through XXXX XXXX. I then contacted XXXX XXXX XX/XX/2019 for my full file disclosure, I received the reports and there was no bankruptcy on the files I called and spoke with a rep and they stated they never received anything from the bureaus and it must've gotten lost in transit they didn't verify anything. I have a copy of my XXXX XXXX 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 2019-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I suffered a XXXX and a XXXX XXXX in XX/XX/XXXX. I applied for help with Keep your Home California and received it in XX/XX/XXXX but according to the mortgage company my payments didnt lower in fact they went up still leaving me struggling. Now a new mortgage company has taken over this year PHH Acct XXXX and when I wrote them and requested to apply for another modification with better payments I was told to find the old one that was sent its still is active. But a few days later I received in the mail I was no longer eligible and my choice was foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am very concerned about the number of unauthorized inquiries that I found on my credit report. I do not understand how credit bureaus received this information but it is completely false! As a result of this, I can not apply for the things that I need to apply for because this information is ruining my credit.Delete it immediately 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 response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: TFC Credit Corporation of California
State: TX

Complaint narrative:
I have a loan with TFC CREDIT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and TFC CREDIT with no successful resolution. XXXX, XXXX, and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am very concerned about the number of unauthorized inquiries that I found on my credit report. I do not understand how credit bureaus received this information but it is completely false! As a result of this, I can not apply for the things that I need to apply for because this information is ruining my credit.Delete it immediately 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 2019-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am very concerned about the number of unauthorized inquiries that I found on my credit report. I do not understand how credit bureaus received this information but it is completely false! As a result of this, I can not apply for the things that I need to apply for because this information is ruining my credit.Delete it immediately XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX SER, 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 2019-07-30 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX reported as charge off with balance but 3 credit bureaus report different credit limits! XXXX XXXX reported as charge off when In fact I was never late.. I paid the account on time until I was able to fully paid them. I pay my accounts on a monthly basis. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. Credit Bureaus violated federal law by not properly investigating within the required time frame

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I have a loan with CITIMORTGAGE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CITIMORTGAGE with no successful resolution. XXXX, XXXX, and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.

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 2019-07-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: IQOR US INC
State: CA

Complaint narrative:
Allied interstate said I owed XXXX dollars from XXXX account. I advised them that it was a I d theft investigation. They advised we will not help you and put it On the credit bureaus I found the equipment sent in my garage and sent it to an fish office and received credit. I contacted XXXX and they said if I pay it they will remove it from my credit. I then paid the XXXX dollars even thought I had a I d theft complaint started. The balance became XXXX. Allied said we are not here to listen. Then sent a letter that I agreed to pay the bill with them and made a schedule to pay the difference. I have the letter which is false and intentionally done by 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 2019-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: TX

Complaint narrative:
I bought two {$100.00} Visa prepaid gift cards ( one on  XX/XX/2019 and XX/XX/2019 ) at a XXXX near my house. When I went back to use them today ( XX/XX/2019 ), I found that both of the cards have a {$0.00} balance. I called up the company on XX/XX/2019, but since I've since lost the tiny receipts from a month ago, the company 's representative said I'm out my {$200.00} without recourse. On top of that, I was very discouraged to see that this has been an ongoing problem with this company for the past three years ( XXXX XXXX XXXX ). I can produce digital documentation showing that I bought the cards ( from XXXX and a matching charge on my credit card ), but I don't believe the company will accept that as proof that I purchased the card ( despite their website confirming the date of purchase and the place of purchase ). 
When looking further on their website, I can see that two ( possibly faked ) contacts registered the cards thru the company 's website. They do not live in the same city/state that I purchased the cards in. None of the transactions on the cards match the state I live in. This company severely needs to invest in adding another layer of security as their currently system is easily hacked.

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 2019-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
This items is included in my chapter XXXX bankruptcy filing

Company response to consumer: Closed with explanation