vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-02 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: CA

Complaint narrative:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : XXXX Inquiry Date XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX Inquiry Date XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX Inquiry Date XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX Inquiry Date XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Mortgage Reporters XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Mortgage Reporters XXXX XXXX XXXX   XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX   Inquiry Date XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX Inquiry Date XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Other Collection Agencies XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX Inquiry Date XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX Inquiry Date XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 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: CA

Complaint narrative:
Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX/XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX/XXXX, they can not see the inquiry and so they can not remove something that isnt there. In addition to this, XXXX XXXX/XXXX reported that my credit limit was increased during that time period but that no hard inquiry was ever made. 
I request that you initiate a REINVESTIGATION into XXXX XXXX/XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-02 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have tried on more than one occasion to dispute the verbiage on my credit report. XXXX refuses to change it despite my efforts. XXXX, JPMogan Chase Bank, and XXXX XXXX state they can not fix the problem since they don't actively have the debt. The debts were discharged in bankruptcy. XXXX   need to resolve it and post it accordingly. Each entity needs to post accordingly. These debts were not claim paid, charged off, written off, or transferred. They were discharged in bankruptcy due to fraudulent payment activity, debts the trusts could not prove they owned, collections lawsuits on debts that can no longer legally be sued over, reporting negative credit information, and suing consumers for debt without proper documentation, and filing false or improperly notarized legal documents. As of XX/XX/2018, XXXX   states that the debts " Comments on your account changed from Consumer disputes - reinvestigation in process to Consumer disputes - reinvestigation in process, Transferred to recovery, Charge off account, Student loan ''. So essentially I have made " XXXX '' progress despite of the fact I sent them my bankruptcy discharge documentation on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 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: AES/PHEAA
State: AZ

Complaint narrative:
I have tried on more than one occasion to dispute the verbiage on my credit report. XXXX refuses to change it despite my efforts. AES, XXXX XXXX XXXX, and XXXX XXXX state they can not fix the problem since they don't actively have the debt. The debts were discharged in bankruptcy. XXXX   need to resolve it and post it accordingly. Each entity needs to post accordingly. These debts were not claim paid, charged off, written off, or transferred. They were discharged in bankruptcy due to fraudulent payment activity, debts the trusts could not prove they owned, collections lawsuits on debts that can no longer legally be sued over, reporting negative credit information, and suing consumers for debt without proper documentation, and filing false or improperly notarized legal documents. As of XX/XX/2018, XXXX   states that the debts " Comments on your account changed from Consumer disputes - reinvestigation in process to Consumer disputes - reinvestigation in process, Transferred to recovery, Charge off account, Student loan ''. So essentially I have made " 0 '' progress despite of the fact I sent them my bankruptcy discharge documentation on XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-02 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: AZ

Complaint narrative:
I have tried on more than one occasion to dispute the verbiage on my credit report. Equifax refuses to change it despite my efforts. XXXX, XXXX XXXX XXXX, and XXXX XXXX state they can not fix the problem since they don't actively have the debt. The debts were discharged in bankruptcy. Equifax need to resolve it and post it accordingly. Each entity needs to post accordingly. These debts were not claim paid, charged off, written off, or transferred. They were discharged in bankruptcy due to fraudulent payment activity, debts the trusts could not prove they owned, collections lawsuits on debts that can no longer legally be sued over, reporting negative credit information, and suing consumers for debt without proper documentation, and filing false or improperly notarized legal documents. As of XX/XX/XXXX, Equifax states that the debts " Comments on your account changed from Consumer disputes - reinvestigation in process to Consumer disputes - reinvestigation in process, Transferred to recovery, Charge off account, Student loan ''. So essentially I have made " 0 '' progress despite of the fact I sent them my bankruptcy discharge documentation on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DataMax Corporation
State: NC

Complaint narrative:
On XX/XX/2018 I received a notification from XXXX XXXX XXXX XXXX that there's an update on my credit. When reviewing it XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX was showing ( 4 ) Property Tax bills this was handled in Equitable Distribution Order through the courts in XXXX XXXX. I have not received any documents or notice of this in the mail. I called the number listed XXXX listed on the credit file and a recording gave me another number to call XXXX. They show Account type : Collection Dept. Agency Attorney A lady answered the phone and I questioned her about these bills on my credit she verified my SS # Name and date of birth the last name she had was XXXX my ex-married name. She stated she sent notice to my address listed above I have not received anything or phone calls. She refuse to give me any information about these account she stated there were a problems with the bills and they need to be adjusted to call back next week. She kept trying to rush me off the phone as I was trying to find out what was this for. It appears when XXXX XXXX system got hacked a lot of peoples property tax information got stolen. I contact the deeds office in XXXX XXXX and they stated they have not sent me anything about taxes. 

I did dispute this with XXXX as fraud waiting on the results. These people need to be identified us XXXX XXXX as the original debtor to scam people out of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: GREAT LAKES
State: NH

Complaint narrative:
2010 My Daughter was accepted to XXXX College. Not until we were at Parent/ student orientation day did they take me into a room and tell me they couldn't get enough money. I had another child in college and very little income. It was too late to go to any other school now. 

They made me sign a 7.9 % Parent loan and told me they would create a XXXX major for her bc she wanted XXXX college. I didn't know what I was doing or signing. I was confused then they cut me out of all of it. 

I cancelled her 2nd semester of living quarters based on School hand book dates and process. They threatened me and berated me how late it was and that so many girls were on the waiting list and now its too late to call them. I notified them within the time period before semester begins. My daughter was sick constantly there were intense heat and ventilation problems and she was in and out of XXXX appts. 

I complained and my Daughter chose to go to XXXX bc she stayed at school only once a week and was wasting time because they NEVER planned on giving her a XXXX  major. They made her take courses that she already took in AP and was accepted as credits. 

I put in a formal complaint to school and met with people and they lied to me. I had dates, doctors appointments, school hand book I even wrote the Nun who is President and told her how they could do this to low income families. The worst part is in return NONE of my daughter credits after paying XXXX were good for a XXXX major at XXXX. 

How can private colleges do this to a single Mom on basically little income and another child attending college. I put in complaints to AG office, my local Congressmen and still proceeded to ask XXXX to return DORM room fees and classes they made her take over. 

Any school in Freshman year making kids take classes other than anything basic that can not be transferred to state school should be considered SCAMS. 

I do not want to pay that portion of my Parent loan. They used scare tactics, false promises then went back on their word in the school handbook. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings
State: MS

Complaint narrative:
I submitted a letter dated XX/XX/XXXX certified on XX/XX/XXXX to XXXX XXXX collection agency requesting documentation this agency has the right to collect on a discharged debt. XXXX XXXX sent me a letter advising me this collection was assigned to them ; however, XXXX XXXX fail to provide me in writing any written agreement between XXXX XXXX collection agency and Speedy Cash. The information provided was the loan agreement signed with Speedy cash, whom choose to charge-off this balance. I contacted XXXX XXXX by phone on XX/XX/XXXX, to discuss that this item should be removed if they could not give me the requested documentation ( written agreement between XXXX XXXX and Speedy Cash ). XXXX XXXX representative stated their company can't provide that in writing only verbal. After this call and I indicated this amount is not collectible and XXXX XXXX doesn't have the right by law ; XXXX XXXX change the reporting payment to reflect past due which cause my credit score to drop by XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
I am a XXXX XXXX employee with the XXXX XXXX XXXX, and have been since XX/XX/XXXX. I graduated from XXXX School ( XXXX XXXX School ) in XX/XX/XXXX, and began working and repaying my loans in XX/XX/XXXX. 

-From XXXX to XXXX I used the Loan Servicer XXXX -In XX/XX/XXXX, I was advised that I needed to switch to the Loan Servicer XXXX  in order to properly be enrolled under the Public Service Loan Forgiveness Program . 
-From XX/XX/XXXX to current ( XX/XX/XXXX ) only 11 of my payments have been counted under the PSLF program. 
-From XX/XX/XXXX to XX/XX/XXXX I have contacted XXXX to resolve this issue, and no one has helped me. I am curious why none of my previous payments ( under a qualifying program for the PSLF Program ) have not been counted or applied to my account. 
-In XX/XX/XXXX, I personally uploaded all of my previous payments made through XXXX on my XXXX profile. I did this because a supervisor verbally told me " she would personally look into why my previous payments had not been counted. '' Nothing was resolved. Moreover, the direct line the supervisor ( XXXX ) gave me is no longer in service. 
-I have provided all the required information timely, and yet continue to get " it will take between 70-90 days to resolve your issue/ count your previous payments. '' It has been more than 18 months, and nothing has been resolved. 
-On XX/XX/XXXX, after 45 minutes on the phone with supervisors XXXX and XXXX XXXX the best resolution they could provide me was " to be patient '' and that " we have everything so it is on us to complete the process of reviewing all your previous payments. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please remove the following unauthorized inquiries from my Transunion credit report : 1.  XXXX XXXX XX/XX/XXXX 2. XXXX XXXX  XX/XX/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 2018-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TENET HEALTHCARE CORPORATION
State: KY

Complaint narrative:
XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 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: CA

Complaint narrative:
I have applied the starwood preferred guest business credit card with XXXX bonus star points after {$10000.00} spending within 3 months after approval. I have met the spending requirement, but never got the bonus points. I have tried to call american express several times, each time the representative said he/she can see the bonus term in my account and it will be posted soon. However, after several months and multiple calls, I still have not seen the bonus points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Reserve account is -XXXX, i called due to the fact that the account cant be overdrawn as a second chance banking reserve account. You cant overdraw that account, i transferred the money from regular checking to reserve. Afterwards i withdrew money due to attorney fees, which should of left account at XXXX   balance. However, they seem to give me the same info but i have not transferred any money from reserve to checking. Please help, i think they are abusing people.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I refinanced with this same company about one year ago. Then this past XXXX I wanted to do another refinance which they solicited to me to consolidate my current debt. They have secretly investigated my personal life and work, and said what they uncovered was conflicting information, which after explaining it to them they learned wasn't true. It's going on the 5th month and every couple of weeks they are making requests for other documents and statements they say they need, some of which were provided at the beginning of the process. The loan cost have continued to go up, and the terms changed. I'm exasperated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I opened a Chase XXXX XXXX credit card in XX/XX/2018. The benefits included in the offer for this card are that the {$95.00} annual fee is waived for the first year, and users can earn XXXX additional rewards points if they spend {$4000.00} within the first three months of their card usage. I noticed yesterday that I was charged the {$95.00} annual fee  despite Chase 's advertising that it would be waived, and called customer service today in order to get this refunded as it seems to have been applied in error. I was told by customer service that my offer does not, in fact, include the {$95.00} waiver. I've been given no information as to why this aspect of the offer could have been revoked, as it's still advertised as part of the card membership on the Chase website without any conditions or limitations, as you can see in the screenshots below. I signed up with the offer link that included the {$95.00} waiver and Chase is not willing to refund it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 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: CA

Complaint narrative:
Please remove the following unauthorized inquiries from my Equifax credit report : 1.  XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Northstar Location Services, LLC
State: CO

Complaint narrative:
On Monday XX/XX/XXXX after numerous phone calls with a debt collection agency at XXXX XXXX XXXX XXXX about a debt that was racked up by abusive ex boyfriend I scheduled an appointment on Friday to discuss options. The debt collection agency agreed, however I found out today the called my parents and informed them that I owed a debt. I chose to not disclose my abusive relationship to my parents because I also know it will further complicate the situation and add extreme stress to my personal life. My relationship with my family is also very complicated and they will only make matter worst. I am extremely XXXX off that after agreeing to speak on Friday they still went ahead and passed along information to my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I WAS THE VICTIM OF IDENTITY THEFT PLEASE SEE ATTACHED FTC REPORT AND LETTER TO FURNISHERS RE : CAPITAL ONE SPARK CARD THANK YOU XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief