vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: IL

Complaint narrative:
Secured FFEL loan. Loan transferred to different services. Made numerous payments on loan. Servicer would not provide documentation or verify existence of loan. I have paid in excess of the amount I have borrowed. Servicer refuses to allow me to make a lump sum payment on loan. Servcer only will take payments with inflated interest. Servicer will not provide proof of payments to date. Servicer lied to me to get me to make payments by saying I needed to pay them before I could utilize a rehabilitation program. Pursuant to OMB Form No. # 1845-0120 I do not need to make payments before applying for rehabilitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc.
State: OH

Complaint narrative:
Franklin collections has been reposting the same debt every two days with XXXX. I tried to contact them and was told they are posting a monthly check up, I sent proof they are hitting my credit literally every two days since XXXX and no one will answer me or even give me a working phone number to speak to a live person. I have only been able to make contact through email.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Some information in my credit file is incorrect. Unfair of giving credit results. Suspicious accounts open not authorized. Credit fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Toll Free Telephone Number ( XXXX ) XXXX Mailing Address : Always include your account number for reference XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Compliance Chief Compliance Officer XXXX XXXX Certification # XXXX Company Certification # XXXX -- -- -- -- - THAT IS THE COMPANY INFORMATION -- -- -- -- - THIS DEBT IS NOT MINE THIS DEBT IS VERY OLD IF IT IS MINE AND WAS PAID, YEAR - XXXX OR XXXX THIS COMPANY IS LYING AND IS PURPOSEFULLY PUTTING THIS ON MY CREDIT CREDIT REPORT AND I WANT THE COMPANY FULLY AND MASSIVELY INVESTIGATED THIS IS A LIE THIS ONLY APPEARS ON 1 REPORT XXXX   AND NOT THE OTHERS THEY MANIPULATED MY CREDIT REPORT I WANT THEM OUT OF BUSINESS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a complaint against XXXX XXXX. The reason why I am writing this complaint is because on my XXXX, XXXX, and Equifax credit report on XX/XX/2019. This enquiry was not authorized by me, this was done under fraud. I will brief, I am victim of identity theft and in this complaint I will submit all the documents necessary to verify that this enquiry was not done by my person. For the past couple years i have been victim of identity theft, and these false enquiries have been popping up on my credit report. When this specific enquiry happened I wasn't even in the U.S. when this happened. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX is currently reporting an inaccurate amount loan paid as agreed on my credit report. Also, remarks on my Automobile should be : Paid Off not closed. Their inaccurate reporting is negatively affecting my credit score and I am receiving denied credit letters. They deleted the automobile loan from my credit report where they should have modified the amount paid off. Which took my credit score from 700s to the 500s, between XX/XX/2019 XX/XX/2019. 

I've been trying to correct this issue since XX/XX/2019. File #

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX is currently reporting an inaccurate amount loan paid as agreed on my credit report. Also, remarks on my Automobile should be : Paid Off not closed. Their inaccurate reporting is negatively affecting my credit score and I am receiving denied credit letters. They deleted the automobile loan from my credit report where they should have modified the amount paid off. Which took my credit score from 700s to the 500s, between XX/XX/2019 XX/XX/2019. 

I've been trying to correct this issue since XX/XX/2019. File #

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 2019-11-19 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: FL

Complaint narrative:
This is a complaint against XXXX XX/XX/XXXX XX/XX/XXXXThe reason why I am writing this complaint is because on my Transunion, XX/XX/XXXX, and XX/XX/XXXX credit report on XX/XX/2019. This enquiry was not authorized by me, this was done under fraud. I will brief, I am victim of identity theft and in this complaint I will submit all the documents necessary to verify that this enquiry was not done by my person. For the past couple years i have been victim of identity theft, and these false enquiries have been popping up on my credit report. When this specific enquiry happened I wasn't even in the U.S. when this happened. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.

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 2019-11-19 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: FL

Complaint narrative:
This is a complaint against XXXX XXXX  XXXX The reason why I am writing this complaint is because on my XXXX, Experian, and XXXX credit report on XX/XX/2019. This enquiry was not authorized by me, this was done under fraud. I will brief, I am victim of identity theft and in this complaint I will submit all the documents necessary to verify that this enquiry was not done by my person. For the past couple years i have been victim of identity theft, and these false enquiries have been popping up on my credit report. When this specific enquiry happened I wasn't even in the U.S. when this happened. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.

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 2019-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK
State: WI

Complaint narrative:
Recently, I received an alert from my credit monitoring system which indicated my credit limit on a card decreased {$9600.00}, an over 60 % decrease in my available credit. I contacted a representative from the credit card company to discuss. The representative explained the significant decrease in available credit was due to increased usage of their card and a recent increase in credit inquiries. I explained the increase in inquiries was due to applying for a loan to install solar panels on my home and my increased usage on the credit card account was expected to be temporary, as evidenced by my recent large repayment, and per review of my account, I have not missed payments nor been late on any payments. He indicated they could possibly look at my account again however, not for a while due to the recent review. I explained how the egregious decrease in available credit would significantly reduce my credit score and artificially make future credit inquiries more difficult. Due to their unwillingness to continue to work with me as a customer, I informed them I would pay down my balance and then close my account, which would continue to negatively affect me from a credit and cash flow standpoint however, I will not work with a company that arbitrary hurts their most loyal customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Nelnet, Inc.
State: IL

Complaint narrative:
Servicer keeps repeatedly calling demanding payment after I have repeatedly informed then they need to provide to me proof of the payments I have made to date and the balance owed upon the loans, if any. Even through I have demanded from them in writing, they repeatedly call demanding payment and never provide the required documents. They call during all times of the day from XXXX cst until XXXX cst. No matter how many times I ask for proof of my loan, they keep repeatedly calling demanding payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Community Cash Management Corp.
State: VT

Complaint narrative:
I am XXXX, live alone, own my home and have zero debt. Marcam Asc has been harassing my daily for over a year. When I tell them my name, that I live alone and that I have no debt, they ask for my address. I refuse to give it to them and demand they stop calling me. They hang up on me immediately and proceed to call the next day. I am so close to calling an attorney to sue this company for the amount of stress they have caused and the groundless reason for this daily harassment that has so terribly affected my peace.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
Some information in my credit file is incorrect. Unfair of giving credit results. Suspicious accounts open not authorized. Credit fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To whom it may concern, I pulled my credit report and noticed fraudulent accounts on my credit report. It is driving me nuts and I want your help I am trying to purchase a house ASAP & I just have a baby. I got in contact with them multi times and they still haven't got back to me so I am contacting you guys directly to remove the fraudulent accounts and the inquiries please and thank you.

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 2019-11-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. BANCORP
State: IL

Complaint narrative:
Servicer keeps repeatedly calling demanding payment after I have repeatedly informed then they need to provide to me proof of the payments I have made to date and the balance owed upon the loans, if any. Even through I have demanded from them in writing, they repeatedly call demanding payment and never provide the required documents. They call during all times of the day from XXXX cst until XXXX cst. No matter how many times I ask for proof of my loan, they keep repeatedly calling demanding payment.

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 2019-11-19 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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-11-19 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-11-19 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: DE

Complaint narrative:
Date submitted XX/XX/XXXX XXXX wireless cellular phone Account status is closed XXXX Texas {$1700.00} Sent to fraud dispute twice and nothing is happening. Someone does have my info and this is not the first time a phone account has been opened. Atnt closed a account due to it being opened in another state by someone who is not me. I received multiple letters of accounts being attempted to open but cant due to a freeze. 

This account is NOT mine.

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 2019-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To whom it may concern, I pulled my credit report and noticed fraudulent accounts on my credit report. It is driving me nuts and I want your help I am trying to purchase a house ASAP & I just have a baby. I got in contact with them multi times and they still haven't got back to me so I am contacting you guys directly to remove the fraudulent accounts and the inquiries please and thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-19 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: CO

Complaint narrative:
Transunion is reporting incorrectly a collection in the amount of {$2000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was working with the XXXX. along with the apartment complex where I was residing. We were able to come to an agreement for payment, which I fulfilled. Unfortunately, shortly thereafter the apartment complex was sold and a new management company came on board and refused to work with the XXXX. in any capacity and consequently I was asked to vacate the property. Currently the reporting entity of this collection no longer exists. This collection from the apartment complex is false and should not be appearing on my credit report. This false reporting of a collection is a violation of the Fair Credit Reporting Act and needs to be removed from my credit report. I have contacted the bureau to fix this however, I have not been successful.

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 2019-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-11-19 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: TX

Complaint narrative:
I was a victim of the XXXX data breach of 2017. The inquiries listed on my reports are not mine, please remove.

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 2019-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I have been denied a loan due to Equifax reporting! I have made 9 attempts to retrieve that report online, but Equifax says it is not available online even though they advertise that it is available that way. I have left 2 phone messages using the number provided requesting the report and have also mailed documents asking for this report. 3 months have elapsed. I am entitled to have it once a year anyway and if and when I am denied credit, which I have been. What must I do to get the free report, short of paying the {$11.00} they say I must pay to get it??

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
I have reviewed my mortgage statements from XX/XX/XXXX to XX/XX/XXXX and they include fees and charges which I do not agree with, are in breach of the contract I signed, are unreasonable and I allege unlawful. These fees include : - an appraisal without my knowledge and not for the purposes of home valuation in connection with a refinance. 
- inspection fees which were not performed by a licensed that have appeared and then credited haphazardly and randomly - late fees assessed when mortgage payment was not paid after grace period - interest charged on fees that were not agreed to, unreasonable and allegedly unlawful

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation