vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-16 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: GA

Complaint narrative:
I have repeatedly asked to have for the Bankruptcy to be removed from my credit report. It's going on 10 years that this has been on my credit file. I have not been able to get any new credit due to this still being on my credit report. 

XXXX XXXX in the amount of {$1300.00}, {$520.00}, {$160.00} is reporting on my credit report and I have medicaid. They are reporting incorrect information on my credit file. 

XXXX is reporting an account that does not belong to me. It was deleted and readded from another company ( XXXX ). 

XXXX XXXX. in the amount of {$770.00} needs to be removed from my credit file. I do not owe them anything.

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 2018-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
On XX/XX/XXXX I traded in my XXXX XXXX to XXXX XXXX XXXX for another vehicle. This vehicle was financed through Ally Bank. 

I had GAP Coverage on this vehicle, which was valid at the time of trade in. 

On XX/XX/XXXX, Ally Bank issued a refund payment for the unused GAP Coverage in the amount of {$200.00}. The check was issued to myself ( XXXX XXXX XXXX ), and my mother ( XXXX XXXX XXXX ). 

Being that the check was issued in both names, we both signed the back of the check in order to deposit the funds. Neither myself nor XXXX XXXX XXXX share any banking accounts in joint name. I first tried to deposit the check with XXXX, which was dishonored because we did not have an account in both of our names. I tried again with XXXX XXXX and was also dishonored for the same reason. Both banks insisted that the easy solution was to have the issuer - Ally Bank re-issue the check one of two ways ; 1 ) in one persons name only, 2 ) split the amount and issue two checks - one in each of our names. 

On XX/XX/XXXX I called Ally Bank to request the check be reissued in either of our names alone or splitting the amount and issue checks to both myself and XXXX XXXX. They refused. When I explained the situation they refused and told me no. 

This situation has left the bank in a position to be unjustly enriched because I can not deposit the check as issued. They are in the position to cure the problem and refuse to do such. I would hate to have to sue for breach of contract and bad faith, but will have to if they do not respond with an solution immediately. Moreover, I'm sure that situations like this happen and the apathy to investigate and cure is profitable for Banks.

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 2018-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear Transunion, 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. 
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 2018-05-16 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: Capio Partners, LLC
State: GA

Complaint narrative:
Capio Partners listed 3 accounts in the amounts of {$1300.00}, {$520.00}, and {$160.00}. I have medicaid and should not have these on my credit. I would like these removed immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-16 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: GA

Complaint narrative:
I have repeatedly asked to have for the Bankruptcy to be removed from my credit report. It's going on 10 years that this has been on my credit file. I have not been able to get any new credit due to this still being on my credit report. 

XXXX XXXX in the amount of {$1300.00}, {$520.00}, {$160.00} is reporting on my credit report and I have medicaid. They are reporting incorrect information on my credit file. 

XXXX is reporting an account that does not belong to me. It was deleted and readded from another company ( XXXX ). 

XXXX XXXX. in the amount of {$770.00} needs to be removed from my credit file. I do not owe them anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-16 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: GA

Complaint narrative:
I have repeatedly asked to have for the Bankruptcy to be removed from my credit report. It's going on 10 years that this has been on my credit file. I have not been able to get any new credit due to this still being on my credit report. 

XXXX XXXX in the amount of {$1300.00}, {$520.00}, {$160.00} is reporting on my credit report and I have medicaid. They are reporting incorrect information on my credit file. 

XXXX is reporting an account that does not belong to me. It was deleted and readded from another company ( XXXX ). 

XXXX XXXX. in the amount of {$770.00} needs to be removed from my credit file. I do not owe them anything.

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 2018-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
Over the last four or five years I have been sent three borrower to defense loan forgiveness applications and I have sent them all in. I have received letters from the Attorney General 's office telling me that I qualify for loan forgiveness due to the fraudulent acts of XXXX XXXX. NAVIENT is the loan servicer and has not granted my loan forgiveness or given me any information as to the outcome of all three of my applications. I was a victim of fraud by XXXX XXXX. XXXX XXXX promised me that I could transfer my credits to any college of my choice after I graduate. That turned out to be false. XXXX XXXX allowed me to attend their school and graduate without a high-school diploma. XXXX XXXX recruiters told me I don't need a high-school diploma and that it is okay to have a felony record. All of which is false. XXXX XXXX promised me job placement which never happened. All the XXXX college campuses have closed and I can no longer take refresher courses. I can not work in the medical field without a high-school diploma and a felony record. XXXX XXXX has been found guilty and all I ask is to have my loans forgiven so I can move on and begin a new credible College. Approximately {$28000.00} in student loan debt from a fraudulent school is hanging over my head and reported to my credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear Transunion, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that TWO FRAUDULENT INQUIRIES that had been made on XX/XX/XXXX and XX/XX/XXXX are still being reported on my credit report. 
I contacted XXXX XXXX XXXX, who conducted the inquiries and asked them to remove their credit inquiries from my credit profile. According to XXXX  XXXX XXXX, they can not see the inquiries 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 inquiries were ever made. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ) inquiries on my credit report to determine who authorized these hard inquiries. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiries. ( Do not send me anything via US mail. ) Please note that although the inquiries shown on my credit report are a factual record of the company who accessed and reviewed my profile and although an inquiry 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 inquiries were FRAUDULENT. 
If you find the inquiries 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 these inquiries were 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 these FRAUDULENT hard inquiries. 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 explanation
Consumer complaint received 2018-05-16 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX we had a flight from XXXX to New York. Four days after on XX/XX/XXXX we were supposed to fly with XXXX XXXX  to XXXX. On XX/XX/XXXX our flight got canceled due to a storm that was happening on the east coast. The earliest flight to New York our company could offer was on XX/XX/XXXX. We could not fly with XXXX XXXX  to XXXX but yet they still charge us for a baggage payment of XXXX dollars. We notify XXXX as soon as we know that we won't be able to take the flight. They were not willing to work with us. I'm a student who gets to travel once a year ; I don't see why I'm paying for the add-on service I never got to use. I provided all the information of this situation to City bank.

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 2018-05-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: FEARON FINANCIAL LLC
State: TX

Complaint narrative:
The XXXX XXXX Add that i have attached below is a major violation of deceptive advertising, and in addition to this a violation of Fair Housing Laws. The add clearly states if you use Keller Mortgage it is more affordable. They can not make that claim, and the mortgage I was offering a client that was given this add was more affordable than the mortgage they were offering. Also XXXX XXXX clients are being forced to sign a piece of paper that more or less says they are aware that if they use Keller Mortgage for financing they would save money, but they are choosing not to. This is a violation on so many levels. In addition to this, they only offer this incentive to homebuyers of homes in excess of {$150000.00} which creates a fair housing violation, as they are not offering the same incentive to low & Moderate income buyers. It very well may also create disparate impact to minorities because a large portion of minorities in my area fall into the low to moderate income category and thus may not qualify for a home over {$150000.00} due to their income. the add I have attached is just one example of the XXXX XXXX and Keller Mortgages 's blatant disregard to mortgage laws relating to Deceptive Advertising, and Fair Housing violations. From their current business practices i.e. only offering their incentives to people that can afford a home over 150k and the documents they are having their clients sign which are corrosive at best,, to the blatant deceptive advertising. It is shocking, and the worst i have seen since the sub prime days. Companies have paid billions in files for far less than what Keller Mortgage, and XXXX XXXX are up to right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Cc : Attorney General in Texas To Whom It May Concern : I am requesting proof of the accounting and documentation required under Texas XXXX XXXX XXXX and XXXX statutes. I have been unable to have an account because of a supposed deficiency from a repossession that you reported on my credit report on XX/XX/2018, Account number # XXXX. I am asking you toremovethe repossession off my credit report. 

The laws of Texas and the Federal UCC require a full accounting of the sale and any deficiency. If the sale was not conducted in a commercially reasonable manner, or if I was not given full notice and accounting as required by Texas law, you are liable under the FCRA, for any damages caused by your agent ( TX ) s fraudulent reports to the credit bureaus. 

RECOVERY REQUIREMENT : As per UCC, repossession allowed without committing a breach of the peace. Repossesses must hold valid collection agency XXXX XXXX XXXX, Texas XXXX Department of Transportation, Division of Motor Vehicles, XXXX XXXX XXXX, XXXX, TX XXXX XXXX DOCUMENTS REQUIRED FOR LIQUIDATION : Title must be in lien holder 's name. Forward application for title accompanied by a certified copy of the security agreement and an affidavit of repossession. 

PLATES : Remain with the debtor. 

The company 's failure to provide me with verifiable proof required for by your company and The laws of Texas and the Federal UCC to post the accounts listed is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 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: Diversified Consultants, Inc.
State: MO

Complaint narrative:
The debt had been settled back in XX/XX/2015. I had a cell phone with XXXX that was retirned. The only one I had left i paid my bill as normal, then switch to another company XXXX and have been with them ever since. It showed up on my report after I filed for bankruptcy. It was put in XX/XX/XXXX. They are steady try to collect on something that is uncollectible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
In XX/XX/XXXX I applied for forbearance since my husband left me and I was not working at the time, loan care granted me 6 months. I also then started applying for a loan modification and have since gotten them docs requested and in a timely manner and the same docs so many repeated times.fast fwd to now XX/XX/XXXX and they have denied me a few times stating that my docs would expire and they have never sent me to and under writer because of this, I feel they are trying to get me to lose my house. I have every spoke to external emplyess that say they show they have all docs requested yet loan care still asks for my divorce decree and child support docs over and over along with other docs that never expire. My spoc. Is never reachable, never emails me back I have escalated this to a few different supervisors and no one ever calls me back. This company has been the worst mortgage services I have ever dealt with XXXX owning my home. This has been such a huge weight on my shoulders and seems no fixing in sight since they can just keep changing the rules of the game when I have complied with all they have asked and plenty more. Why is this so very difficult when I have tons of stress going on in life any ways and fear losing my home for me and my XXXX kids this frustrates me to no end and Im feeling hopeless.

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 2018-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Letters sent out to the bureaus and nothing changed : XXXX XXXX   {$110000.00} XXXX XXXX XXXX : $ NO INFO

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 2018-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MA

Complaint narrative:
Charges dont add up. Some bills say More some bills say less. This company didnt allow me the opportunity to pay they just ripped the car away from me knowing I got sick with XXXX treatment and other medical and mental health I offered to pay what I can I could no longer work at the time and when I communicated they didnt care. The guy told me Im sorry but Im not the one thats sick no offense so I hung up the phone. How can this statement not be offensive. I have too many issues to deal with this unfair treatment check voice recordings arent all calls recorded? They are liars.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I have been contacted on three occasions at work by IQ Data International. The third occasion was after I had already explained that I am not allowed to receive personal calls at work and that it was not the time to talk about this. The man yelled at me after I told him I can not talk about this now and said give me a number I can call you and what time I can reach you and said " do you want me to report that you do not want to pay this debt? If you do not pay this, it will ruin your credit ''.

Times/Dates they have called me at work : 1. XX/XX/XXXX XXXX XXXX : Spoke to my former coworker at my old work number. My coworker stated he was very aggressive and rude and asked to repeat the call back number and asked to know what time I would be calling back. This can jeopardize my employment as I am not allowed to take personal calls at work. 

2. XX/XX/XXXX XXXX XXXX Called by a man that spoke to my former coworker by a wireless caller, at XXXX, whom threatened to ruin my credit if I did not pay and kept harassing me about paying after I told them I can not talk about this at work. Also, they are trying to embarrass me by talking to my co-workers in a disrespectful tone and being aggressive. 

3. XX/XX/XXXX XXXX XXXX : Caller dialing from XXXX spoke to my current coworker and asked that she make sure that I return his call. My coworker requested several times what his name was and he refused and reluctantly gave the name " XXXX ''. This third attempt was after I asked not to be called at work and I am not allowed to receive personal calls at work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BTH Management
State: AZ

Complaint narrative:
A company called XXXX XXXX has put a collection account on my report. They are trying to collect on a so called XXXX XXXX XXXX. I asked them for the documents to validate this debt correctly they couldn't. They didn't even contact to inform me they were collection this debt it just pop on my 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