vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   pulled my credit three times in  XXXX  of   XXXX  .     I did apply to refinance my truck loan in  XXXX    XXXX   but, I do not understand why my credit was pulled  three times? For the same loan. I have disputed these with all   XXXX   credit agencies and within 24  hours I am being told these are factual.     I have been told by the credit agencies that if the inquiries are all within 14 days, it will not adversely affect my FICO score. The irony here is that  XXXX   XXXX  declined me for a credit line increase on my credit card because I had too many inquiries.         XXXX   :  XXXX / XXXX /  XXXX  ,  XXXX / XXXX /  XXXX  ,  XXXX / XXXX /  XXXX  ,  XXXX / XXXX /  XXXX   Experian :  XXXX / XXXX /  XXXX  ,  XXXX / XXXX /  XXXX  ,  XXXX / XXXX /  XXXX    XXXX  :  XXXX / XXXX /  XXXX  ,  XXXX / XXXX /  XXXX  ,  XXXX / XXXX /  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
i was informed of this debt in   XXXX   XXXX   they said i started an apartment lease with centerport landing apartments in forth worth i have tried several times to get information inregards to the lease. the lease is not mine and they keep telling me it is. I have sent several letters and the FTC identity theift report plus a police reports.   i need this off my record and have my name cleared

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have continuously tried to dispute this collection off my credit report because it is reporting negatively and hurting my personal life as far as being able to get approved for lines of credit and purchasing a home.  XXXX   XXXX   XXXX   XXXX  has yet to validate that I owe them a debt. In the paper they sent me it has a computer generated signature and not a original signature. It has not been validated and once before deleted off my report and as of  XXXX   XXXX  2017  it reappeared.

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 2017-05-09 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: WA

Complaint narrative:
Negative item reappeared Im a little confused.  XXXX  months ago, I disputed the following previously deleted account as being inaccurate, and Equifax deleted it because the furnisher agreed with me.         But today, I went online and checked my credit and noticed that Equifax put the previously deleted account that was deleted back onto my credit without notifying me. From my understanding, if you re-insert a previous item, you must notify me at least  XXXX  days after placing this item back on my credit report. So why was I not notified? Because of your actions, I was denied credit. In addition, I read an act on the FTC website stating that your action is a violation which carries a fine.     Please delete this previously deleted account within   XXXX   days of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX / XXXX /  XXXX   {$680.00} I did not sign, nor did I authorize this charge, I have disputed this charge, and submitted complaints, however,  chase  has simply ignored the facts that this charge was not signed for by me, nor authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
In  XXXX  of  XXXX , I was diagnosed with   XXXX   XXXX  . I have been out of work, without a paycheck, since  XXXX / XXXX / XXXX . Return to wo rk may  be  2-4  months from now. I underwent  XXXX   XXXX   XXXX  in  XXXX .     We applied for assistance early  XXXX . Ocwen dragged the process out for months and finally denied due to what I was making before I stopped. I am only getting  XXXX  per month from  XXXX  insurance. That is only a third of normal income.     We applied again because they told us to. They said the denial should n't have been based on the old pay stubs. This took 2 months. Again, denied. They said they had to use the income we were making before I stopped working and would not even consider a temporary hardship assistance.     We ca n't make payments any longer an d may lose our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 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: CA

Complaint narrative:
I have continuously tried to dispute this collection off my credit report because it is reporting negatively and hurting my personal life as far as being able to get approved for lines of credit and purchasing a home.  XXXX   XXXX   XXXX   XXXX  has yet to validate that I owe them a debt. In the paper they sent me it has a computer generated signature and not a original signature. It has not been validated and once before deleted off my report and as of  XXXX   XXXX  2017  it reappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I contacted Equifax twice over the phone about inquires made on my account each time I was told they would not investigate and I would need to handle myself. I mailed a certified letter on  X/XX/2017    requesting verification of the inquires sent. This letter was received on  X/XX/2017    but Equifax responded on  X/XX/2017    with an explanation of what an inquiry was not a verification. No true investigation was completed as I requested. I have disputed these inquries online on  X/XX/17   ,  X/XX/2017   , and  X/XX/2017    and each time they are saying the results are factual with no other information or verification. This is a clear violation of my FCRA rights. I have a right to be provided proof that these are in fact factual inquires and Equifax has failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX   XXXX    some guy  XXXX   call  ask for me he said the company is going file in court so I said what are talk about h e u no  take about i go no So he told me I took a pay day loan in   XXXX   I told him I have n't been work since   XXXX   XXXX   I never apply for a loan he I was pay it back he did n't no what happen never had pay day loan so he told I to pay  XXXX   XXXX   XXXX   XXXX  pay second payment is  XXXX  plus  XXXX  he said he email document singing them if did n't they going send to jail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 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: AL

Complaint narrative:
Three letters disputing inquiries as not mine. At no time have a written or visual authorization been submitted by me. This is illegal.     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I 've disputed multiple inquiries with  Equifax r egarding   XXXX   XXXX   from  XXXX   XXXX ,  XXXX  and  XXXX   XXXX ,  XXXX  on  XXXX   XXXX ,  XXXX  as well as on  XXXX   XXXX ,  XXXX  as   XXXX   XXXX  . Each time I 've disputed with Equifax, the response came back the same saying that they were in fact authorized inquiries. When I requested proof from the companies myself, I received letters verifying that they in fact had no record of my authorization to pull my credit and agreed to have them removed. To date, no change has been made even after I 've requested Equifax verify over and over.      XXXX   XXXX  only has contact through mail listed. I mailed a letter asking for verification to the address that was listed on the inquiry to have the letter returned back showing the address listed is in fact not a valid address. How is that physically possible without being fraudulent???     The system they are using is providing false information and they are not actually doing their due diligence and protecting consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
A collection account was removed from my credit report and then added back on.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Recovery Management
State: FL

Complaint narrative:
We are in process of buying a home where this debt continues to be re-reported even though it has been paid to the collection company.      Fox Collection ma de verbal promise that by us paying the debt, the debt would be REMOVED from all credit bureau 's. According to the my complaint filed yesterday, they have recordings.     We were very clear that there was NO value in paying a debt and it being marked " paid '' as that only increases my score by a point or  XXXX . As of today, their negligence to fulfill their end of the agreement made by paying off this debt has again caused my credit rating to drop nearly  XXXX  points.     Which additionally, this substantially impacts my mortgage rate. Furthermore, to-date, they have only marked paid,  XXXX  credit bureau which causes substantial discrepancies in my  credit score.      Additionally now, CFPB prematurely allowed this issue to be closed, when  in FACT it i s no where near closed.     FOX notes, they have a recording. They have NOT produced a recording where I was present when I heard my wife confirm the debt would be REMOVED. I DEMAN D FOX TO  PRODUCE THE RECORDINGS which clearly exits the call confirming they WILL REMOVE the debt.     Secondly, I 've provided PROOF, t hat FOX HAS NOT REMOVED THE DEBTS. They are still listed on   XXXX   and  XXXX  .     I 've reattached for this complaint.     I will be calling CFPB in the morning to ensure this is left open  until FOX co nforms and fulfills their agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I contacted Bank of America regarding filing a complaint against a company called   XXXX   XXXX  , Bank of America initially refunded the money but then later took it back in    XXXX    2017   . I contacted the bank telling him that the company does indeed want to refund as the merchandised had been received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lending Club Corp
State: FL

Complaint narrative:
I have asked Lending Club on various occasions to refrain from contacting me by telephone, and instead to communicate strictly in writing. Lending Club nonetheless continues to attempt to contact me by phone. Today, in the span of approx imately 15-20  minutes, I received  two  phone calls from  XXXX  different numbers and locations.  One of the p hone numbers ( from a  XXXX   XXXX  area code ) was a Lending Club number. Lending Club did not leave any message.     Lending Club has employed similar tactics in the past, and I have complained to Lending Club about its aggressive phone tactics in the past, among other things. I have also complained, in writing, to Lending Club about other issues in the past and have requested documents of them. To the best of my knowledge, Lending Club never sent me all of the documents that I have requested of them in the past.     I am requesting, once again, that Lending Club refrain from contacting me by telephone, and to cease and desist from contacting me by telephone, or attempting to so contact me, at any time, unless I expressly grant permission in writing ; and otherwise to refrain from engaging in harassing, deceptive, and/or other collection tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Contrary to the FCRA, as well as  XXXX  and  XXXX  credit scoring procedures, company has falsely reported multiple charge- offs, one each month since the actual single occurence, rather than the single charge off that existed, resulting in inceasing negative impact over time rather than decreasing negative impact over time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I 've disputed multiple inquiries with Transunion regarding   XXXX   XXXX   from  XXXX   XXXX ,  XXXX  and  XXXX   XXXX ,  XXXX  as well as   XXXX   XXXX   XXXX  from  XXXX   XXXX ,  XXXX . Each time I 've disputed with Transunion, the response came back the same saying that they were in fact authorized inquiries. When I requested proof from the companies myself, I received letters verifying that the dates for the inquiries in question they have on file were from  XXXX  and  XXXX . When trying to reach out to  XXXX   XXXX  via letter, I received the letter back as undeliverable. How can one verify authentication by their only means of communication presented ( mail  )  to not be a valid address???     The system they are using is providing false information and they are not actually doing their due diligence and protecting consumers.

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 2017-05-09 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am filing a complaint with  XXXX ,  XXXX , and Experian. After multiple attempts through mail, online disputes, and telephone calls I am unable to get unauthorized inquiries off of my credit report. I am sending out a certified letter  XXXX  more time. If this does not work I will be contacting the Attorney General for further assistance. FCRA states that the only permissible purpose for pulling someone 's credit is for his firm offering credit, insurance, employment, or court order. With the different glitches that has been happening with the credit companies I feel that my inquire should be removed from my entire credit 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 2017-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I 've disputed multiple inquiries with Experian regarding   XXXX   XXXX   from from    XXXX   XXXX   XXXX    and   XXXX   XXXX   from   XXXX   XXXX   XXXX   as well.     Additionally I did not give   XXXX   XXXX   XXXX   authorization on   XXXX   XXXX   XXXX  . I was already a resident of the building that the credit inquiry came from.     There are also multiple abusive hard pulls from On-site  Manager  listed on my account from  XXXX   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX  .     Each time I 've disputed with Experian the response came back the same saying that they were in fact authorized inquiries. Their findings do not show actual requested inquires from myself but from third parties that I am not associated with.     The system they are using is providing false information and they are not actually doing their due diligence and protecting consumers rather they are hurting customers.

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 2017-05-09 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: KY

Complaint narrative:
On  XXXX   XXXX ,   XXXX   I sent a letter disputing multiple inquiries to All credit reporting agencies including Transunion. They responded sending me a letter explaining what a inquiry was. I again sent a more detailed letter outlining that I did n't authorize multiple inquiries on my report via certified mail and fax also on  XXXX   XXXX . They again resent a letter explaining what a inquiry is. They have failed to respond to  two requests now  to research and delete inquiries on my credit report that are inaccurate. These inquiries do not match any accounts on my account etc.     I sent seperate letter along with above in seperate letter and fax on same dates above removing incorrect addresses, employers, phone numbers and names. They sent me copy of an unchanged credit report both times with zero updates.

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