vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-30 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: TX

Complaint narrative:
There is hard inquiries on my credit report twice for the same company, XXXX XXXX XXXX for XX/XX/2018 and XX/XX/2018. When I call the company, they state my credit was only pulled once. When I disputed the second inquiry with XXXX, they did not remove it. I applied for internet service on XX/XX/2018. I authorized my credit to be pulled one time to assure my creditworthiness to XXXX XXXX XXXX for a new account. There would be absolutely no reason for them to pull my credit a second time the very next day. This needs to be corrected immediately. Since I have contact both the company and the credit reporting agency already, I am at a loss as to how to get this error removed.

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 2019-01-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Please know that I was not late on XXXX XXXX  XXXX, XXXX  XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 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: Innovis
State: GA

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. You have not sent my any verification of those items in the last 30 days. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be deleted immediately I want all the items that were listed in my letter deleted ( XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, ) from my credit report and all hard inquiries except for XX/XX/2019, deleted from my report. Also have them deleted from the three Major Credit Bureaus ( XXXX, XXXX  and XXXX XXXX. This is my last attempt to solve this amicably. You will be served with litigation paperwork if this continues. Please comply with the law so we can avoid the court system. 




I want all the items that were listed in my letter deleted ( XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, ) from my credit report and all hard inquiries except for XX/XX/2019, deleted from my report. Also have them deleted from the three Major Credit Bureaus ( XXXX, XXXX  and XXXX XXXX. This is my last attempt to solve this amicably. You will be served with litigation paperwork if this continues. Please comply with the law so we can avoid the court system.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please know that I was not late on XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me

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 2019-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please know that I was not late on XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me

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 2019-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX ( Original Creditor : 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 response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
On XX/XX/2019, I sent a {$4100.00} remittance to my HSBC HSBC account by wire transfer from the US HSBC account. 15 days later, my XXXX XXXX HSBC account did not receive my remittance. And many times with the HSBC Bank of the United States, there is no clear reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Checking or savings account — 
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
Brclysbankde-bank And my credit was ran by this company and it was not me at all who ran it

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 2019-01-30 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : 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 2019-01-30 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: The CMI Group, Inc.
State: FL

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account CREDIT MANAGEMENT Opened Date XX/XX/2018 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CREDIT MANAGEMENT was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
SOUTHWEST CREDIT SYSTEMS Has reached a debt I originally had with XXXX  in XX/XX/XXXX by dropping it from my credit report and reopening in XX/XX/XXXX to make it look like it was just opened. This has had a drastic impact on my credit report. I have also asked for written documentation since I do not agree with amount. Even after a disputes, they continue to report it as new debt. 

I am more than willing to pay with proper documentation and with fixing the proper dates. Im imvestigating on-line, they are well know for reaging collection accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: MS

Complaint narrative:
Got a small loan with XXXX XXXX for the amount of {$800.00} they advised that I would not owe that much. When I called back they advised I owed {$2000.00} over double than what was borrowed. The company is taking advantage of the consumer in a financial crisis. I tried to pay what I borrowed and make arrangements but they refused and want to collect {$2000.00} on an {$800.00} loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 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: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account FRANKLIN COLLECTION SVCS INC Opened Date XX/XX/2018 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that FRANKLIN COLLECTION SVCS INC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each  account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 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: Convergent Resources, Inc.
State: CA

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account CONVERGENT OUTSOURCING , INC . Opened Date XX/XX/2016 which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that CONVERGENT OUTSOURCING, INC. was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

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 2019-01-30 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: LEXISNEXIS
State: TX

Complaint narrative:
lexus nexis and XXXX  giving out my information when i've been a victim of ID theft i've opted out of everything violations of my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
I have had this auto loan since XX/XX/2010. Its for a XXXX XXXX XXXX XXXX. So far I have paid well over {$51000.00} dollars and still owe more on it. I did some research on Santander, and found out about money going strictly toward the interest payments. I never was told nor agreed to anything like that. This vehicle is a plain van. It doesn't even have power steering, air or heat in the rear of the vehicle. I read about the settlement that they have agreed to with lawsuit that was brought upon them. I need help in straightening this out. I AM a XXXX senior citizen. I'm not asking for pity. I just know that this is not to be right.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I settled the debt with the company 7 days prior to having to appear in court. I was assured that a judgement would not be entered against me for the debt. On XX/XX/2019, I received a court notice that a judgement had been entered against me for this debt. When I called the company after almost an hour I was told that a letter was faxed on XX/XX/2019, to XXXX indicating that the account was settled in full. After speaking to the court I was told that this is not their fax number and they never received such a letter. I had to obtain the correct number and provide it to the collection agency which should not be my responsibility. In addition, they said that they would have the letter faxed as soon as possible, without any urgency to fix the problem that they created, as of now the judgement has not been withdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 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: TN

Complaint narrative:
I am in the process of trying to close on the purchase of a home for me and my family and by some means or another Equifax have applied dispute comments on one of my accounts listed on my credit file. I have been calling Equifax repeatedly to try and resolve this issue by removing these comments to no avail. I have been transferred to the XXXX department for escalation about this matter on numerous occasions with no success. Today was suppose to be the end of my last 72 hour period for these dispute comments to be remove and I am about to begin being charged for extensions provided to me by my lender. I am disappointed that it has taken weeks and still to wake up to no results and broken promises. Below, I have listed some of the dates, confirmation numbers and people to whom I've spoken with about this matter. 

Account- State of TN Docket # XXXX or Equifax Account # XXXX ( listed on their website ) Beginning on the XX/XX/XXXX up unto XX/XX/2019 I have received confirmation # 's XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

Names of individuals that I have been in contact with including supervisor 's include : XXXX, XXXX, XXXX, XXXX, XXXX The last person I spoke with was XXXX who is a supervisor within the XXXX department who provided me with confirmation # XXXX and promised me on XX/XX/2019 that the comments would be removed in 24 to 72 hours. 

The comments listed state that this account is currently being re-investigated which the delinquencies reported on this account is inaccurate. I have visited my local child support office and they have informed me that no delinquencies have been reported on their behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
My BOFA closed my credit card account for no reason and when I asked where my letter of explanation they said it will be there soon and I never got it. I asked multiple times why they had closed my account? They couldnt give me a definitive answer. They tired to tell me my credit must have a taken a dip or my income to debit is to high which was all lies because my credit is in excellent shape and never even have had a dispute on my credit report. I paid on time and well over the minimum payment. I suspect some bank fraud going on here I have looked into multiple social media websites and multiple people are having the same issue. 
The account had been paid off in full and is now permanently closed and for me to reopen my credit card. BOFA wants to run my credit for an account I already had hmm?

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 2019-01-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ZWICKER & ASSOCIATES
State: MA

Complaint narrative:
It was on XX/XX/2017 a family member got my information without my knowledge apply for a personal loan from XXXX personal loans. XXXX didnt contact me first before giving the money away and giving the money 3 days after the family member sent my information. {$20.00} giving by XXXX in my name were a abused because I didnt make that money in a year working as a XXXX XXXX at that time make me frustrated, crying every day for a money I didnt used or got. It was on XX/XX/2017 I know this happened to me while I went to payed my bills, I can not believe my eyes and It was true. Called them next day explaining my situation they didnt believe at all and I filed a police report, nothing as ever changed put my name in shame for a thing I didnt do. I want XXXX to be prosecuted for this because it didnt care for their customers and I want justice. Those companies put an hard inquiries in my credit too I want them to clean my name on theirs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: PA

Complaint narrative:
Sun trust Bank did not send me a good bye letter, they did not inform me that my mortgage was being sold off to another servicing department or debt collector. I was never given any information at all in reference to this matter. I need some form of accountability on the part of Sun trust bank. After 15 years of payments to them and trying to work out a loss mitigation plan to help me keep my house they have done very little for me as a customer of this length of time. Have them get back to me soon as I still have no access to my old account. I am locked out of the system and do not have my XXXX form or any other financial information to file for tax purposes and for my personal record keeping. This is predatory lending tactics at best and there are laws in place now to protect homeowners.

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 2019-01-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX XXXX- Synchrony bank- 1- This problem has been ongoing and never resolved even after multiple calls and CFPB complaints- read them and weep! Your agency does nothing! Complaint again! I never received a written reply from the company as to why they misinformed me and would not allow me to make payments., although, finally able to resolve making payments that letter and to date never came! 2- Their so called automated payment automatic answering still does NOT WORK even though they claim to be working on it. IN my opinion a scheme to make money off of late charges and charge higher interest for failure to make that payment on time. XXXX XXXX XXXX purchase Credit Plan 5  years no interest. I now owe late charges and fees again and the payment which was once resolved is NOW higher then they themselves provided! So, once again, when is your agency going to be who you claim to be a PROTECTION agency and assist?

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