vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-02 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: MO

Complaint narrative:
Experian says on XX/XX/29 that investigation was complete ; however I sent additional docs showing that XXXX XXXX was included in a bankruptcy and should be reporting as current. It was included in a Chapter XXXX Bankruptcy, attached is the documentation show ing this information on page 36 of the attached documents showing 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 non-monetary relief
Consumer complaint received 2019-06-02 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: SUNTRUST BANKS, INC.
State: AR

Complaint narrative:
XXXX FAILESIGNATUES, D TO DELETE 10 HARD INQUIRIES, THESE WERE PULLED W/O SIGNATURES0.

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 2019-06-02 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: BBVA FINANCIAL CORPORATION
State: AR

Complaint narrative:
XXXX FAILESIGNATUES, D TO DELETE 10 HARD INQUIRIES, THESE WERE PULLED W/O SIGNATURES0.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 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: Santander Consumer USA Holdings Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX, SANTANDER, XXXX XXXX  PULLED HARD INQUIRIES ON ALL REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
midland funding closed & removed themselves from XXXX, they need to update XXXX & XXXX also. all information needs to match on all credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 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: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
XXXX/XXXX, XXXX, XXXX AND AMERICAN EXPRESS ILLEGALLY PULLED MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 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: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
XXXX, COMENITY, XXXX AND XXXX XXXX ILLEGALLY PULLED MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-02 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: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
XXXX, XXXX, XXXX AND XXXX XXXX ILLEGALLY PULLED MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 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: CITIBANK, N.A.
State: AR

Complaint narrative:
CBNA, XXXX, XXXX PULLED W/O SIGNATURES.

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 2019-06-02 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: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
XXXX, SYNCHONY, XXXX PULLED W/O SIGNATURES.

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 2019-06-02 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: SUNTRUST BANKS, INC.
State: AR

Complaint narrative:
XXXX, XXXX, SUNTRUST PULLED W/O SIGNATURES.

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 2019-06-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing this letter in an effort to remove inaccurate unverified account information on my credit report. I have contacted TransUnion XXXX. XXXX XXXX PA, XXXX with a Proof Of Verification Letter on XX/XX/2019 Via certified mail to solve the issue of either verifying the accounts or removing the inaccurate items on my credit report and they fail to do so according to the FAIR CREDIT REPORTING ACT 1681, and the FCRA 15 U.S.C 1681. Also please be aware that I am keeping records of each date that I have contacted your company and Im prepared to use this information in case i have to take further legal actions.

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 2019-06-02 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
XXXX XXXX  PULL THE WRONG BUREAU, MUST PULL XXXX   ONLY, ALSO, XXXX XXXX, COMENITY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/2019 I received my return certified mail receipt back through the mail. XXXX and Transuion did not do a thorough investigation of the accounts that I had disputed which include XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I was alerted through email that the investigation was already completed on XX/XX/2019. 

So, I am asking that XXXX and TransUnion under FCRA 611 ( a ) regarding erroneous item on our credit report involving a transaction with XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX. Please include all names and contact information of employees that you spoke to as part of this investigation. 

I am asking for verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this complaint. 

I expect to receive a response within 15 days of receipt of this complaint, or I will expect to see the items in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very respectfully, XXXX and 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 2019-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
I called USAA today XX/XX/ to dispute a banking transaction. The bank refused to allow me to dispute the transaction because the payment, which cleared yesterday, was moved to a pending status. Bank would not file dispute for the transaction or provisionally credit my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
XXXX XXXX XXXX, SYNRONCHY BANK XXXX PULL MY CREDIT W/O PERMISSION.

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 2019-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
The school no longer exists due to fraud. Navient states the Board of Education is investigating the school. It has been over three years. No results. Navient does not recognize my forty years as a XXXX since I did not work for a public entity. My service in XXXX as a medical service specialist is not considered in this matter. I qualify for forgiveness in regards to my service to our country and community. I am unable to get a VA loan for housing due to the fact my credit has been disrupted by this company. I am now XXXX years old who reached no resolve with this monetary institution. 
At present, I am in forbearance owing a {$170000.00}. I am fighting XXXX XXXX and XXXX at this time. I would like to know my purpose here was worthwhile by serving our country and community. 
I appreciate your indulgence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2019 I received my return certified mail receipt back through the mail. Equifax and XXXX did not do a thorough investigation of the accounts that I had disputed which include XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I was alerted through email that the investigation was already completed on XX/XX/2019. 

So, I am asking that Equifax and XXXX  under FCRA 611 ( a ) regarding erroneous item on our credit report involving a transaction with XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list  of all documents and correspondence with XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX. Please include all names and contact information of employees that you spoke to as part of this investigation. 

I am asking for verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this complaint. 

I expect to receive a response within 15 days of receipt of this complaint, or I will expect to see the items in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very respectfully, XXXX and XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I applied for a XXXX XXXX card that is handled by Barclay 's Bank. According to my XXXX website I have a XXXX credit score. I pay all credit card balances each month. Barkclay 's denied my application for the credit card. I called the XXXX telephone number and was told that I would receive an explanation letter. That letter never arrive. A second call and I was told by a representative who was reading from a script that I could not be given information over the telephone. In the meantime, I had removed the freeze from my three credit reports and they were about to be frozen again. 

Without an explanation, I am led to believe that Barclay 's Bank is engaging in Age Discrimination. I am XXXX years old and retired. I have adequate retirement assets to pay off any credit card balance. There is no mortgage or any other form of debt. 

I believe Barclay 's bank should be censured and fined for its illegal practices.

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 2019-06-02 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I filed a proper dispute on account ( XXXX from XXXX XXXX XXXX with Equifax they received it on XX/XX/2019. I contacted the reporting creditor XXXX XXXX XXXX XXXX on XX/XX/2019 with a dispute and request for validation. I got no reply from XXXX, and Equifax refused to properly investigate or properly mark the account as in dispute is a violation of the FCRA and FACTA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have disputed the late payments on the accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this 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, Chapter XXXX Bankruptcy 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 2019-06-02 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: IN

Complaint narrative:
I have disputed the late payments on the accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this 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, Chapter XXXX Bankruptcy 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 2019-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I have to make 10 monthly charges with my debt card in order to avoid getting charged a {$14.00} monthly service fee by Wells Fargo, I made more than 10 charges with my debt card the month of XX/XX/19 - XX/XX/19 and Wells Fargo changed my Debt card charges to show up XX/XX/19 in order to wrongfully charge me a monthly service fee of {$14.00}. I have been wrongfully charged a {$14.00} month service fee by Wells Fargo almost 10 times and I'm tired of it. Wells Fargo is wrongfully charging my account monthly service fees even though I completed 10 debt card purchases in order to not get charged. This is illegal! Wells Fargo is wrongfully charging my account a {$14.00} monthly fee because I'm XXXX and Wells Fargo don't like XXXX people or XXXX businesses! Wells Fargo is " 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 monetary relief
Consumer complaint received 2019-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Finance System of Toledo, Inc.
State: OH

Complaint narrative:
I reached out to these medical collection agencies for verification of the debt as I had never received any notice of collection prior to these accounts being added to my credit report. They were in violation of my HIPPA rights as they had very personal information about my medical visits. During the time of these medical visits I had insurance and it should have been paid through the insurance company. Even then I still tried to reason with these companies and get them paid and have then removed from my credit report to no avail. The companies are Finance Systems of Toledo, XXXX XXXX XXXX, and XXXX XXXX XXXX. These are all very small collections that I would never have defaulted on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I have disputed the late payments on the accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this 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, Chapter XXXX Bankruptcy XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: OH

Complaint narrative:
I was notified by the credit bureaus that a collection through I. C Systems had been added to my credit report. So upon investigation I saw that the original creditor was XXXX XXXX. I have never had a XXXX XXXX bill in my name where I authorized it, and I was never alerted of anything going into collection. There is no way that I could have even attempted to pay this debt before it hit my credit because I was not notified of the debt and did not know it existed because I never signed up for gas.

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 2019-06-02 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 — Problem with personal statement of dispute
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Navient placed 3 late payments on my credit reports. My loans were in deferment during this time which I explained to Navient. They responded by saying that they were not in deferment, but could not furnish me any reason or proof as to why they were not in deferment during that time. I returned to school the month that they started reporting my payments as late. I wrote them a good will letter and also stated that this must have been a mis-understanding and that it should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: VA

Complaint narrative:
XX/XX/2019, Company started calling me at my job on a daily bases. 

XX/XX/2019. I called the company and asked them to stop calling me, they stated they would stop, however they continued on XX/XX/2019 XX/XX/2019. I called them and statedthat I would make a payment on XXXX XXXX, when I arrived at the bank to cash my check they had ACH my account for 2 payments which put my account into a overdraft mode which I am unable to pay.

Company response to consumer: Closed with explanation