vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have just travelled back to the USA from XXXX, I was gone for 2 years in which I have been a victim of the TransUnion XXXX glitch in XXXX. I had pulled my report in mid XXXX to have noticed XXXX hard inquires, then I check back recently to see more than XXXX on my report. Which - none of them are mine. 

To my understanding credit inquiries to be removed and then re-inserted ( which were n't mine to begin with ) means TransUnion was in breach of FCRA 611 5 ( b ). 

It is unlawful and in my protection as a consumer to report this activity to higher authorities. I will take lawful action if these hard inquires are not removed. 

The agent on the phone with TransUnion was rude and provided little to no enthusiasm to help despite telling her that I was to be wed soon, and that credit is a big deal to me. 

Nothing happened. I am a victim. 

I feel violated, and my trust abused. 

This phone call transpired XXXX XXXX XXXX XXXX at a direct line : XXXX ( XXXX ) XXXX The inquires I need to be deleted are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : Inquiry Type : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX Requested On : Inquiry Type : XXXX/XXXX/XXXX Individual XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX Requested On : Inquiry Type : Permissible Purpose : XXXX/XXXX/XXXX Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , WA XXXX ( XXXX ) XXXX Requested On : Inquiry Type : XXXX/XXXX/XXXX Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , DE XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX Requested On : Inquiry Type : XXXX/XXXX/XXXX Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX -- - In addition, I have stayed diligent in my attempts to reach a supervisor to which I was hung up on numerous times. This is n't right. 

My name is XXXX XXXX and I can be reached at ( XXXX ) XXXX - email : XXXXXXXXXXXX Address : XXXX XXXX XXXX XXXX Unit XXXX XXXX XXXX, ca XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
I received a phone call from this company on XXXX and I asked for a validation of debt letter, they claim to have sent it out on XXXX, which I have not seen. Now on XXXX, they proceeded to call my employer. Someone answered the phone at my work place and transferred the call to me. I answered and repeatedly said hello, hello. I then took my cell phone out, excused myself outside in the hallway and called the number that was calling me. XXXX and spoke with a lady, she told me she was calling about a debt and I told her I have no knowledge of the debt. I immediately told her to please remove my employers number from there listing as they are not allowed to call my employer. She totally ignored me and continued talking about the debt, I then told her, I requested that they send me a validation letter and I have yet to see it. She said they mailed it out and I said I have not received anything and will they either re-send it out, and I even offered to give them my email address for faster delivery. she refused, but said they would be send out another letter. We discontinued the conversation. I thought about it and immediately redialed her number and to make sure that she understood they are not allowed to call my employer. She proceeded to tell me they would be calling wherever the XXXX they wanted until they get this resolved. I then said, well I know the law and I know my rights and I am asking you to please remove my employers numbers and not to call here as they will make me lose my job, she screamed at me and said well if you know the XXXX law well put it in writing. I came back to my desk and researched the number on google and nothing came up. I then called back and asked what was the name of the collection agency and they responded XXXX. I asked for the address and they hung up in my face.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Ive be paying my student loans on and off for years, Ive been in deferment, forbearance and I even defaulted. I rehabilated my loans with what was a large sum of money for me at the time And I have consolidated my loans. I do n't understand how my loans have exponentially grown. Ive been dillegent now for years paying {$500.00} + per month. Still not back to what they call my original loan amount. It may just be the way the student loan debt. Business works, I may be taken advantage of, or likely both. Or maybe something wrong is going on?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I previously had a loan with XXXX XXXX XXXX. As part of a written agreement, the account was to be removed from all three credit bureaus. At this time Equifax is refusing to remove it even with proof that the account was to be removed by the financing company. I 've complained on Equifax with no results. I also provided the same letter mailed to me by such company and yet Equifax is the only Credit bureau still showing the false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 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: FL

Complaint narrative:
Has stated before I suspect fraudulent Inquires on my Equifax Credit report. 
Now I find out Equifax was breached around the same time of many these Inquires and I was personally impacted by this breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 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: Federal Pacific Credit Company, LLC
State: NY

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this account. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card. Thank you for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 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: GA

Complaint narrative:
I spoke with the creditor ( XXXX ) and the account was to be removed from credit report. They said request was sent to Equifax. I sent request to Equifax to have account removed and it is still showing on credit report. This account needs to be deleted per the collection agency. I have spoken with Equifax and have not been able to get anything handled. 

XXXX XXXX XXXX XXXX, XXXX {$130.00} Original creditor : XXXX  ******************************************************************* I am asking for proof of debt. They have not valdiated this debt and will not show any proof that I owe it. Per credit reporting laws this needs to be deleted. This is my last attempt before filing civil case in XXXX XXXX Georgia XXXX XXXX Opened XXXX XXXX, XXXX {$6500.00} Original creditor : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Regarding : Citi XXXX XXXX Bonus Bonus Details : XXXX XXXX Points after spending {$7500.00} within three months Problem Description : Card was received with a statement which reads : " Our records show that you are not eligible for the bonus based on a recent opening or closure of your Citi card ( s ). '' Upon calling Citi ( XXXX/XXXX/XXXX XXXX XXXX Duration : XXXX ) today to understand the issue, I was told that I likely had a card within the last 24 months which invalidated the offer. I informed the representative that I have never before had a XXXX card. He further checked and said that I had a different XXXX card which was closed in XXXX. The card which I had closed was different to the Prestige card but I was told that I was likely not allowed the bonus because it was within 24 months and within the same " family '' of cards. I then asked where on the application that information was as I have a print out of the application which I completed online and see no text describing that. The person assisting me spend quite a bit of time trying to find the text which stated that and then eventually had to put me on hold to further investigate. Eventually he was able to come back with text which another individual found on an application which stated the original reason described. The text apparently greatly differed from the offer which I read to the representative which made no such statement. He informed me that the offer was not available to me because of this text. I again stated that it was not the offer with which I had applied but he stated there was nothing he could do about that. I also informed him that when I had called in originally to check on the application ( XXXX/XXXX/XXXX XXXX XXXX Duration : XXXX ) the representative made a point of confirming with me that I would need to spend the {$7500.00} within the first three months to be eligible for the bonus of XXXX XXXX points. He apologized for me receiving bad information but stated that he could do nothing about that. 
Issue : The application, which I printed, makes no mention of the exclusion which the representative from the XXXX call quoted. The simple statement the second representative made that the first was wrong does in no way make what I was told incorrect or invalid. I was speaking to a representative of Citi in my first call and she clearly stated the details of my bonus offer. She even went so far as to put me on hold while she handled the application with, as she stated, an underwriter and never once made a statement that I would not be eligible for the offer.

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 2017-09-19 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I this am just called once again American Express to try and negotiate the APR rate on my account. I did indeed call again on Friday evening ( XX/XX/XXXX, late ) to try and negotiate the APR rate. To my frustration I have gotten no result at all. On Friday evening XX/XX/XXXX was the first evening I had spent at my address since the Hurricane of Irma. Having no experience with hurricanes the stress of same is the same as trying to negotiate an APR rate with American Express. I have been with Amex for so many years and I have always paid my bills on time until a few years ago, when I was laid off from my job. I did somewhat land on my feet if you will, and the balance is higher than I would like it to be and if I could afford to send them more, I would and they know that too, but I can not. XXXX is a killer and the XXXX of a hurricane and then this complaint are enough to kill anyone and I WOULD LIKE TO HAVE MORE OF WHAT I PRESENTLY SEND TO AMEX A CREDIT TO MY NAME AN OPPOSED TO THEIRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I started a dispute with Equifax ( Case # XXXX and XXXX ) for the removal of a XXXX XXXX from my credit report based upon it does n't comply with the new XXXX XXXX  reporting standards which went into law onXX/XX/XXXX. According to the new rules : Beginning XX/XX/XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of : ( 1 ) Name, ( 2 ) Address, and ( 3 ) Social Security Number and/or date of birth ; and Minimum frequency of courthouse visits to obtain newly filed and updated public records of at least every 90 days. 

The tax lien in dispute was filed on XX/XX/XXXX by the State of Georgia in the amount of {$4000.00} in the XXXX XXXX XXXX XXXX XXXX Georgia. I have provided a copy of this lien to Equifax identifying that it does n't contain the correct information to be reported on my credit report. The document fails to list my complete social security number and date of birth, which according to there above new rules requires the lien removed from my credit report. On a side note the lien has been released and is no longer in effect. I have successfully had this item removed my XXXX and XXXX based on these new rules. 

I have spent hours on the phone with Equifax and have had Equifax representatives tell me that the document does n't provide the correct information but they are unable to remove the item unless initiate a dispute to which I respond that I have already filed two disputes and then they respond with I have to file another dispute. Thank for your time by looking in to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 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: NY

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this account. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card. Thank you for your assistance

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 2017-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc.
State: MA

Complaint narrative:
The company I apppied to ran a background check and the report came back and it 's showing me as a level XXXX XXXX offender. I 've never been charged with any such crime or ever been documented or listed as any kind of offender. Also shows in the comments, text about Nevada and Oregon both states of which I 've never even been to. This information is definitely inaccurate and embarrassing. I need this information corrected asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 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: NY

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this account. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card. Thank you for your assistance

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 2017-09-19 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: WI

Complaint narrative:
Per the Equifax XXXX website, I was involved in the Equifax data breach. My personal information was stolen without my knowledge or consent. I take issue with the fact that this theft occured between XXXX XXXX, yet information about the attack was only made widely available in XXXX. Equifax holds responsibility for this cyber attack by not having proper cyber-security. In addition, unlike most other companies, Equifax in not something that one can easily opt out of. If one has ever requested credit for a mortgage, student loan, etc., then Equifax XXXX as well as the other XXXX credit bureaus ) have all of one 's personal information on record. I would not have chosen to give Equifax any information if I had a chance. 

My identity could be stolen at any time for the rest of my life. Thanks a lot, Equifax. 

I have signed up for Equifax 's free year of credit monitoring. 

PS : since this is a gov't website, can I provide a suggestion? I think it 's time to scrap the whole SSN system and either re-issue a new SSN to everyone in XXXX, or to use a different system for linking financial records to individual people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA

Complaint narrative:
my name is XXXX XXXX XXXX  residing in XXXX Ga. on the XXXX/XXXX/XXXX i sent money to my wife in XXXX, specifically to cross river state, XXXX. the amount was {$800.00}. through MONEYGRAM WITH THEIR AGENT, THE XXXX STORE AT XXXX XXXX XXXX XXXX, GA XXXX. THIS TRANSACTION HAS BEEN DONE ON A REGULAR BASIS, MONTHLY, AND THE MONEY WAS ALWAYS PAID AT XXXX XXXX  XXXX XXXX IN THE CITY OF XXXX. ON THIS PARTICULAR TRANSACTION, THE MONEY WAS NOT PAID TO MY WIFE WHEN SHE WAS IN THE BANK ON XXXX/XXXX/XXXX BECAUSE THIS TRANSACTION DID NOT EXIST AT ALL. THE CASHIER AT THE XXXX XXXX XXXX XXXXXXXX CALLED MONEYGRAM AND LEFT AN ERROR CODE WITH THEM. I THEN RUSHED ON THIS SAME DAY ( XXXX/XXXX/XXXX ) TO XXXX TO REPORT THE PROBLEM. I WAS TOLD THAT AN INVESTIGATION WAS STARTED THAT WOULD TAKE 90 DAYS TO RESOLVE. OVER THE COURSE OF THIS PERIOD I HAVE CALLED MONEYGRAM UP TO 40 TIMES FOR A RESOLVE WHICH THEY ALWAYS TOLD ME THAT THE CASE HAS BEEN RESOLVED BECAUSE MY WIFE HAD COLLECTED THE MONEY. I INSISTED THAT IT IS MY RIGHT TO KNOW THE LOCATION WHERE THE MONEY WAS PAID, WHAT BANK AND THE NAME OF THE CASHIER WHO PAID THE MONEY AND TO WHOM. JUST ABOUT LAST WEEK THEY NOW TOLD ME ON THE PHONE THAT THE MONEY WAS PAID TO MY WIFE 300 MILES AWAY FROM THE USUAL CITY, AND PAID FROM A BANK THAT MY WIFE THOSE NO HAVE AN ACCOUNT IN, AND THEY REFUSED TO GIVE THE NAME OF THE CASHIER THAT PAID THE MONEY OR TO SEND ME THE INFORMATION IN ITS ENTIRETY. THE MONEY THEY SAID WAS PAID FROM XXXX XXXX IN XXXX XXXX, IN THE CITY OF XXXX, THE ADDRESS BEING XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX. MY WIFE IS 300 MILES AWAY. SHE IS IN XXXX XXXX. HER BANK IS XXXX XXXX XXXX XXXX AND THIS IS WHERE SHE USUALLY RECEIVES THIS MONEY ON A MONTHLY BASIS. I THEN PROVIDED MY WIFE WITH THE INFORMATION MONEYGRAM GAVE ME AND SHE CONFRONTED AN XXXX XXXX IN XXXX WHERE THEY TOLD HER TO GET THE NAME OF THE CASHIER WHO PAID THE MONEY AND THAT OF THE RECEIVER. THIS IS THE CRUX OF THE MATTER. MONEYGRAM HAS REFUSED TO GIVE ME THIS INFORMATION AND ALL THEY TELL ME IS THAT THE CASE HAS BEEN CLOSED. THEY LAUGH AT ME ON THE PHONE AND END CONVERSATIONS ABRUPTLY.PLEASE I NEED HELP TO RESOLVE THIS MATTER BECAUSE MY WIFE AND OUR XXXX CHILDREN ARE SUFFERING. MY PHONE # IS XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CL Holdings LLC
State: NY

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this account. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card. Thank you for your assistance

Company response to consumer: Closed with non-monetary relief