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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
The companies below ran my credit score without my permission and I want the problem to be fixed and the inquires to be taken off of my credit report ASAP. 

- XXXX XXXX on XXXX XXXX for auto finance - XXXX XXXX on XXXX XXXX for auto finance - XXXX XXXX on XXXX XXXX, XXXX for finance - XXXX XXXX XXXX in XXXX XXXX, XXXX for XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX for finance - XXXX XXXX on XXXX XXXX, XXXX for auto finance - XXXX XXXX XXXX XXXX, XXXX for auto finance - XXXX XXXX XXXX XXXX, XXXX for auto finance - Capital One XXXX XXXX, XXXX for auto finance - XXXX XXXX XXXX XXXX, XXXX for auto finance

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: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
On XXXX XXXX I heard about the Equifax Hack. I had purchased a home last year and this company was on the report from my bank. I then by day 's end had gotten on to the Equifax website and went through the steps to determine if I was effected. I found under that I was. I then signed up for the free 1 year term of trustedid.com. 8 days later I was alerted about an inquiry on my credit. I tried contacting Equifax and spent XXXX hours on hold with their consumer affairs department. 3 days later a personal line of credit was taken out in my name in the sum of {$3000.00}. Again I immediately tried contacting Equifax and had spent a total of XXXX hours on the phone with many departments to never actually get to talk to anyone that could help me. I then put a freez on my credit with XXXX and XXXX. Spoke to XXXX they actually told the proper steps to make sure my credit was frozen on their website as well. Equifax and their employees should be erased from the credit world.

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: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I submitted my credit report highlighting the fraudulent inquiries on my credit report along with a POLICE REPORT and sent it on XXXX XXXX. Transunion received my dispute letter within a week and never reached out to me or my creditors. i called Transunion on XXXX XXXX XXXX to ask about this dispute and was told that the police report will not do anything to remove the fraudulent inquiries on my report because the police report will need to list out every single inquiry that should be removed, ( i can not go to the police station and tell that ). i was always told that if i get a police report then the inquiries will be removed. Another problem is that i submitted a dispute about a late payment from XXXX XXXX bank and was told by the agent that they received it on XXXX/XXXX/XXXX and i was never informed and the credit took more then 30 days to reply, and Transunion had 2 files opened under my name ( I was told that by the agent on XXXX ). i believe that if a dispute takes longer then 30 days then it should be removed 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 2017-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have paid the company to remove credit freeze and sent a copy of my social security card, drivers license, and utility bill to permanently remove a credit freeze and they put it back on without my consent. Transunion constantly sends you to XXXX and it is a vicious cycle of sensitive information being given out to those that have the opportunity to commit data breaches and other identity crimes.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: NY

Complaint narrative:
I have been employed at a XXXX since XX/XX/XXXX and have made monthly payments that I was told qualified me for PSLF. I transferred my student loans from XXXX to fed loan serving in XX/XX/XXXX and submitted the paperwork to be considered for PSLF. In XX/XX/XXXX I received a letter informing me that I could expect notification regarding the number of qualifying payments. I have received nothing since then. I have called and learned that my information is pending and there is no way to anticipate the timeline.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have already contacted XXXX about a card they issued to me that I did not authorize and they canceled the account. A few months later XXXX/XXXX/XXXX they hit me with a hard inquiry. I contacted them again and told them I was not trying to open an account with them. They never removed their hard inquiry. Now again .... they have hit me again with another hard inquiry on XXXX/XXXX/XXXX. I have reported fraud to the credit bureaus but hard inquiries that are not mine are killing my score. I also contacted XXXX XXXX who did a hard inquiry XXXX/XXXX/XXXX & XXXX XXXX XXXX/XXXX/XXXX, that I did not authorize and they are both still showing. The most recent to show up has been XXXX XXXX XXXX/XXXX/XXXX and XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX. I do n't understand how these companies can hit you with something like this without verifying if it was authorized by you, these inquiries are killing my score, please help!! Thank you!!

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: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
The companies below ran my credit score without my permission and I want the problem to be fixed and the inquires to be taken off of my credit report ASAP. 

- XXXX XXXX on XX/XX/XXXX for auto finance - XXXX XXXX on XX/XX/XXXX for auto finance - XXXX XXXX on XX/XX/XXXX for finance - XXXX XXXX XXXX in XX/XX/XXXX for XXXX XXXX XXXX XXXX on XX/XX/XXXX for finance - XXXX XXXX on XX/XX/XXXX for auto finance - XXXX XXXX XX/XX/XXXX for auto finance - XXXX XXXX XX/XX/XXXX for auto finance - XXXX XXXX XX/XX/XXXX for auto finance - XXXX XXXX XX/XX/XXXX for auto finance

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: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
The companies below ran my credit score without my permission and I want the problem to be fixed and the inquires to be taken off of my credit report ASAP. 

- XXXX XXXX on XXXX XXXX for auto finance - XXXX XXXX on XXXX XXXX for auto finance - XXXX XXXX on XXXX XXXX, XXXX for finance - XXXX XXXX XXXX in XXXX XXXX, XXXX for XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX for finance - XXXX XXXX on XXXX XXXX, XXXX for auto finance - XXXX XXXX XXXX XXXX, XXXX for auto finance - XXXX XXXX XXXX XXXX, XXXX for auto finance - XXXX XXXX XXXX XXXX, XXXX for auto finance - XXXX XXXX XXXX XXXX, XXXX for auto finance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Sortis Financial, Inc.
State: NY

Complaint narrative:
In XXXX I took out a mortgage loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$480000.00}. I was promised a low interest rate and a low monthly payment, as advertised. On XXXX XXXX, XXXX, there was an assignment of mortgage filed with XXXX XXXX XXXX 's office. The assignment of mortgage assigned the mortgage from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX, XXXX XXXX XXXX, XXXX, XXXX started a foreclosure against me for the amount of XXXX, which is about {$91.00} from the original mortgage 3 years earlier but I already had paid over {$160000.00}. How is that possible? I am a victim of the housing crisis and I feel that there is fraudulent element to what is happening to my mortgage loan.

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: GA

Complaint narrative:
I have already contacted XXXX about a card they issued to me that I did not authorize and they canceled the account. A few months later XXXX/XXXX/XXXX they hit me with a hard inquiry. I contacted them again and told them I was not trying to open an account with them. They never removed their hard inquiry. Now again .... they have hit me again with another hard inquiry on XXXX/XXXX/XXXX. I have reported fraud to the credit bureaus but hard inquiries that are not mine are killing my score. I also contacted XXXX XXXX who did a hard inquiry XXXX/XXXX/XXXX & XXXX XXXX XXXX/XXXX/XXXX, that I did not authorize and they are both still showing. The most recent to show up has been XXXX XXXX XXXX/XXXX/XXXX and XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX. I do n't understand how these companies can hit you with something like this without verifying if it was authorized by you, these inquiries are killing my score, please help!! 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 explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management Inc, XXXX XXXX CA is trying to collect on a time-barred debt. They are currently violating the federal Fair Debt Collection Practices Act XXXX FDCPA XXXX. Also, They send letters in XXXX to my family. None of us speak XXXX XXXX. I have contacted them, disputed the debt and told them to cease any and all communication and delete my information from their system.

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: 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: VA

Complaint narrative:
I attempted to dispute open collections on my Equifax report - confirmation number XXXX. I did not receive a status update. when I attempted to check the status online it said pending, until it was close to the 30 day mark, then equifax kept on saying the information is incorrect and there is no dispute matching my records. I called them multiple times and was put on hold for hours. when I finally reached them they told me that the information is accurate and I can contact the collection agency myself. I informed them that I tried that, however the collection agency did not change its mind. this {$12.00} collection that 's stopping me from being able to buy a house was a doctor 's bill that was paid long before it went to collections and needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC

Complaint narrative:
My loan was transferred to a new company- I was never informed until a month after it happened ; because I live in the XXXX XXXX they will not allow me to pay my mortgage online like I used to in the past, even though I am paying with a XXXX bank account. This means I will have to pay via telephone at a cost of XXXX $ each time or risk huge late fees if I mail it since it will take a couple weeks to arrive. Also, they are forcing me to purchase wind coverage, which my policy does not cover, and my condo association has never heard of this before. Not one unit in my complex has this coverage, nor are they required to have it. This company is rude, unable to communicate via email and antiquated ; I would like my loan to be transferred back to XXXX XXXX XXXX asap before I am charged more in late fees that I 'm not responsible for. Plus I can not access any of my loan information online.

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: TX

Complaint narrative:
violation of XXXX and cra inaccurate information

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: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Thrift Investment Corp.
State: NJ

Complaint narrative:
I have an account with Thrift Investment for XXXX for an auto loan of a car that was repossessed. At the that time my significant other passed away and he was responsible for the bill and i no longer couldnt afford it. I did try to get the car back from the 3 months that i owed but they wanted the payment of the car in full. This account on my report has stopped me from being able to rent apartments and to get a car. I still am not able to get a car at this time. I would like this account removed. Im even ok with setting up payments to pay my debt back. That year was very hard for me i lost my car and apartment im just trying to get things back in order for me and my son.

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:
violation of hippa and cra inaccurate information

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:
violation of hippa and cra inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Loan amount taken out was {$22000.00} in XXXX. Balance still owed is {$22000.00}. Been paying every month for years at 5.5 % interest rate. Payment is {$130.00} a month now and {$99.00} is applied to interest and fees assessed. It has been 11 years without anything coming off the principal.

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

Complaint narrative:
The say if you spend {$10000.00} on their card in one year you get VIP membership in their casinos as per their website https : //d.comenity.netXXXXl  After spending that amount and not getting VIP, I contacted then and they said I had to spend it all at their casinos. That was not mentioned anywhere in their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: KY

Complaint narrative:
I recently purchased a home through XXXX XXXX XXXX XXXX. The closing process was rocky as paperwork was continually misplaced and things did not quite go as intended. Despite all of that closing happened on XX/XX/XXXX. In mid XX/XX/XXXX one of my family vehicles was totaled in an accident. I wen to go apply for an auto loan and it was brought to my attention that my credit report showed double the real estate debt than I should have. I immediately contacted my mortgage company who initially told me this was impossible. Upon further inspection they realized that during the process of transferring my loan from one office to another they had opened a duplicate loan. They have turned me in circles trying to resolve the issue and refuse to offer any sort of compensation. The error has prevented me from buying a vehicle as no bank will offer me a loan when my real estate debt is listed as a false XXXX on XXXX income. This has caused me to have major expenses for a rental car and I see no resolution in sight.

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 status incorrect
Company: Stellar Recovery, Inc.
State: PA

Complaint narrative:
I have called stellar recovery Inc. several times over the past two years. My XXXX XXXX account states and I quote This agency did not report a closed account to this bureau it was for a XXXX XXXX bill for {$39.00} which has been paid ( for over three years now ) .I have requested that stellar remove this collection from my credit report and stellar stated that they can not. I ask why and the representative said only the three credit bureaus can. So I sent in a request to the credit bureau to have it removed and it was denied, because they said stellar and I quote This agency did not report a closed account to this bureau. Im getting really tired of the back and forth with this company stellar recovery Inc. I just want it removed from my credit report! The debt has been paid in 2014. Im not understanding why its so difficult for them to remove it.

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 card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
On XXXX/XXXX/XXXX, I attempted to use XXXX to track my spending/purchases through their monitoring service. BarclayCardUS blocked access ( even though I provided all the required log-in info ). XXXX indicated BarclayCard blocks third party access for all users. This is unreasonable. I value security, but I should be allowed to share my info with anyone of my choosing, and this policy forbids 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 2017-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank
State: AL

Complaint narrative:
I have a issue with a 30 day late being recently reported on my account. for XXXX XXXX on the day of XXXX XXXX. XXXX the payment was made. I can show proof of the payment being made on this day and my account was due XXXX XXXX XXXX. This is illegal reporting inaccurate information on my account. I am sure this was just a accident or mishap on your end. 
The only thing i can think about is the XXXX payment was made on XXXX XXXX but it was rejected by my bank because the account number was missing a XXXX digit. If this payment was due on XXXX XXXX and not made on time because of a reject then it would take until XXXX XXXX, to be 30 days late. I made my payment on XXXX XXXX to avoid the 30 days late 3 days prior to my payment being due. 
Either way. I am not 30 days late in XXXX or XXXX. I have been a loyal customer for almost 2 years. I have been patiently waiting on the XXXX payment to be removed also from my account. As i was not late for this payment either. 

I am asking you to remove both late payments and send me certified proof you have removed these late payment from my account. I am trying to close on a house at the end of this month. 
PLEASE REMOVE THIS LATE PAYMENT FOR XXXX AS I CAN NOT BUY A HOUSE WITH THIS BEING REPORTED ON MY CREDIT REPORTS. I AM ENCLOSING PROOF THAT I WAS NOT LATE IN XXXX WITH A CASHED MY PAYMENT. 
PLEASE CALL ME ASAP, I HAVE SPOKE ON A RECORDED LINE TO 3 OF YOUR CUSTOMER SERVICE PEOPLE THAT ALL 3 HAVE AGREED I WAS NOT LATE IN XXXX. THE DATE OF SPEAKING TO THEM WAS ON XXXX XXXX AND XXXX XXXX. IF YOU WANT TO LISTEN TO THE RECORDED CONVERSATIONS. 

PLEASE CALL ME ASAP, I HAVE ONLY 5 DAYS TO CORRECT THIS OR I AM GOING TO LOOSE MY MORTGAGE OF MY HOUSE AND HAVE NO WHERE TO LIVE. THIS WAS A RENTAL HOUSE THAT IS BEING SOLD TO ME. I HAVE TO CLOSE AT THE END OF THE MONTH. 
XXXX XXXX ss XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation