vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-18 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: NY

Complaint narrative:
I don't know if I ever took this loan out. I haven't been getting credit for my payments. XXXX XXXX sued me in Texas, i live in New York, and garnished my wages prior to the judge giving them permission to per the court paper work i have. Now XXXX XXXX is called XXXX. I am not getting credit for the payments I'm making them. NSLDS is not being updated with the payments I'm making them and they sent me proof they are reporting the payments to nslds. I want proof this loan was taken out by me, something with my signature saying that I took this loan out and it went towards my college education. Otherwise it could be an internet crime, fraud or identity theft, etc. I have police reports on file. On my credit report it states i have not been paying the loan & its in defeat and that's not true. I've submitted disputes with all 4 credit reporting agency 's.

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 2019-02-18 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: MS

Complaint narrative:
I have contacted TransUnion & let them know that the account from XXXX XXXX and XXXX XXXX does not belong to me. I have submitted a previous complaint against this company for reporting incorrect information on my credit report and they continue to report this 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 2019-02-18 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: eMoneyUSA Holdings, LLC
State: TX

Complaint narrative:
I filed a complaint against emoney complaint ID XXXX. They were not reporting payment activity or payoffs. They fixed the payoff but reported the loan closed that I am paying on now. This is incorrect information. This has a negative impact on my credit. I am positive they did this on purpose due to the fact that I had to report them to report accurately. Completely unprofessional. The loan ID XXXX is open and I am paying on time. It needs to be reported that way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
Hello, I have a wells fargo credit card through XXXX department store and I went to the wells fargo website looking for financial help by consolidating my dept into one payment so it would help me. But this is what i got instead. They figured out how much credit that could allow me which was {$3000.00}. Then they took the entire amount and made a payment to my Wells Fargo XXXX credit card. Now I have two payments that i can not afford. This is bait and switch tactics and it should be illegal. On top of that they will not give me an option to give that credit applied to my other card back to close my account. They got me in a situation THAT I CAN NOT GET OUT OF.

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 2019-02-18 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX I contacted Wells Fargo and spoke to customer care providing my name and purpose for the call and proceeded to request the finance department about a unauthorized inquiry on my report dated for XX/XX/XXXX. 

Well Fargo was unable to present me with a application of consent or any information about the inquiry.

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 2019-02-18 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: HUNTINGTON NATIONAL BANK, THE
State: TN

Complaint narrative:
I checked my credit report on XXXX XXXX to discover that I had 6 hard pulls  on my credit report, of only 3 that I recognize. XXXX XXXX, is whom I have my SUV financed through. XXXX XXXX, is the dealership I purchased my SUV. XXXX XXXX  financed a credit card from XXXX. I would like the other 3 removed form my credit report. Please remove the following : Huntingtonbk Inquiry from XX/XX/2017 XXXX XXXX Inquiry from XX/XX/2017 XXXX Inquiry from XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP
State: VT

Complaint narrative:
My wife and I closed on a new mortgage on XX/XX/XXXX. 
Our first payment is not yet do, It is due XX/XX/XXXX. 
We have made several accelerated payments to this loan And they have not been allocated correctly. 
Two payments were made towards principle prior to the first payment being due.

Neither of these payments were allocated towards principle and after several dozen calls to KeyBank and various departments they can not rectify their mistake. They are aware of it and agree with my read on the situation. 
The first payment was allocated correctly after nearly a week but the per diem interest has not been retroactively credited. This payment was made on XX/XX/XXXX. 
The second payment made on XX/XX/XXXX has yet to be allocated correctly and the Per diem interest has not been credited either. 
This has gone on for nearly 6 weeks now. I have been told several times this would be fixed within 24 to 48 hours and no records available to me show that anything has been done. 
This will most likely be satisfied in court. 
Further, and the biggest problem, is that these malicious or negligent misallocations are a systemwide problem affecting many KeyBank customers making accelerated payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 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: GA

Complaint narrative:
This lettter is a formal written request for you to investigate the following unverified accounts listed bellow : Accoording to the fair credit reporting act, 15 U.S.C 1681 your company is required by federal law to verify through the physical verification of the original signed comsumer contract- any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email fraudulent account.

I demand to see a copy of the verifiable proof ( an original consumer contract with my signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed bellow then you must remove these accounts from my credit report and remove all none account holding inquiries in my credit report .Please provide me with a copy of an updated and corrected credit report showing these items  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 non-monetary relief
Consumer complaint received 2019-02-18 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:
This lettter is a formal written request for you to investigate the following unverified accounts listed bellow : Accoording to the fair credit reporting act, 15 U.S.C 1681 your company is required by federal law to verify through the physical verification of the original signed comsumer contract- any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email fraudulent account.

I demand to see a copy of the verifiable proof ( an original consumer contract with my signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed bellow then you must remove these accounts from my credit report and remove all none account holding inquiries in my credit report .Please provide me with a copy of an updated and corrected credit report showing these items 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 2019-02-18 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: GA

Complaint narrative:
This lettter is a formal written request for you to investigate the following unverified accounts listed bellow : Accoording to the fair credit reporting act, 15 U.S.C 1681 your company is required by federal law to verify through the physical verification of the original signed comsumer contract- any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email fraudulent account. 
I demand to see a copy of the verifiable proof ( an original consumer contract with my signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed bellow then you must remove these accounts from my credit report and remove all none account holding inquiries in my credit report .Please provide me with a copy of an updated and corrected credit report showing these items removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SUNTRUST BANKS, INC.
State: NJ

Complaint narrative:
I contacted XXXX XXXX XXXX on : XX/XX/XXXX about a unauthorized inquiry on my report dated for XX/XX/XXXX ... I was informed after providing my name that XXXX  XXXX XXXX was unable to provide information about the inquiry or any form of application for credit to prove consent.

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 2019-02-18 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: FIRST NATIONAL BANK OF PENNSYLVANIA
State: TN

Complaint narrative:
I checked my credit report on XXXX XXXX to discover that I had 6 hard pulls on my credit report, of only 3 that I recognize. XXXX XXXX, is whom I have my SUV financed through. XXXX XXXX, is the dealership I purchased my SUV. XXXX XXXX  financed a credit card from XXXX. I would like the other 3 removed form my credit report. Please remove the following : XXXX Inquiry from XX/XX/2017 Fnb Bank Inquiry from XX/XX/2017 XXXX Inquiry fromXX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 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: CORELOGIC INC
State: TN

Complaint narrative:
I checked my credit report on XXXX XXXX to discover that I had 6 hard pulls  on my credit report, of only 3 that I recognize. XXXX XXXX, is whom I have my SUV financed through. XXXX XXXX, is the dealership I purchased my SUV. XXXX XXXX  financed a credit card from XXXX. I would like the other 3 removed form my credit report. Please remove the following : XXXX Inquiry from XX/XX/2017 XXXX XXXX  Inquiry from XX/XX/2017 Credco Inquiry from XX/XX/2017

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 2019-02-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I received a {$3000.00} dollar loan on XXXX XXXX,2016 and have been paying {$340.00} and within that time they have not put anything but XXXX dollars towards the principle. 
I believe there practice is unfair and may be illegal, as when I wanted to pay off this amount due to the government shutdown, they said I owed them {$12000.00} dollars, however they only gave me a {$3000.00} LOAN. 

How in the world do I owe them {$12000.00} for XXXX? I beleive they are practincing unfair loan laws. and I have already paid them almost 3 times what they gave me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I spoke XXXX XXXX at XXXX XXXX. XXXX did not provide me customer service. All I needed Lowes to do was remove authorized user from account and XXXX advise could not do that because her company was having technical issues. Her response to why she could give me customer service was invalid and I would have to call back and possibly go through same torture. I was on hold for 45 minutes and did not accomplish 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 2019-02-18 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: ID Analytics, Inc.
State: GA

Complaint narrative:
I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report had been filed copies are attached. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. 
Please remove all none accounts holding inquiries and send my a copy of updated 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 2019-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
My American Express Membership Rewards account is " under review '' by American Express. They have given me no indication as to what prompted the review, and now they are telling me that I can not access my rewards points for 6-8 weeks. When I attempt to escalate the issue, I'm told that there is nothing they can do, so I need to wait 6-8 weeks to access the points I earned by spending money on their credit cards. Not only this, but the error message that appeared to me when I attempted to transfer points was that I was unable to transfer due to " selling or transferring to someone else 's account '' which is completely untrue. The frequent flier account I attempted to transfer to ( XXXX XXXX ) is my account and I was able to link it with my Membership Rewards account without issue. I was given no phone call or email stating that my account was " under review '' and I am not given any information without reaching out first. I was also told by the first representative with American Express that it was simply an issue on the airline 's end, which made me waste another hour of my time calling the airline. The 6-8 week timeline without access to my hard earned rewards is completely ridiculous. It is predatory to allow a customer to accumulate rewards for years ( I have banked with American Express since XX/XX/2014 ) and suddenly freeze their account without notice and notification, and at the same time tell me there is nothing that can be done for an absurd timeline. I made a transfer several months ago without issue, and there have been no changes to my account since that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
A document was sent to me dated XX/XX/2018 stating that I owe a collection to the apartments XXXX XXXX XXXX. This letter is not accurate for one the date is incorrect and when I moved out in XX/XX/2018 i owed a {$0.00} balance. I received my security deposit back a few months after I moved out. 

When i received this letter, I called the said apartments and they told me that they did not send any amount to this " National Credit Systems, Inc ''. I have called the collections agency multiple times explaining the situation and provide documented proof with the date of XX/XX/2018. Of course they don't believe it coming it from me ( the consumer/victim ) even though I have provided proof this is not right. I have tried contacting their higher supervisors and managers and have not received any phone calls back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
Due to money stolen from me by my ex-husband and son I became late with mortgage payments. I applied for a loan modification but was denied by Carrington Mortgage Company. I met with a Maryland state mediator and an attorney for Carrington Mortgage Company since I was denied a modification and my place of business was closing. I entered the loan repayment plan because if I did not I would lose my house because the mortgage company said a temporary reduction in salary or temporary loss of employment would automatically disqualify me from remaining in the home I purchased 25 years ago. The loan repayment plan requires that I make a payment of 5100.00 a  month for six months. My initial monthly payment amount was 2100.00. Prior to entering the repayment plan Carrington Mortgage was holding ( XXXX of my money in a separate account because they said it was not the total amount of money I owed for a payment before entering into the loan repayment agreement ) During the mediation meeting in XXXX between ( myself, state mediator, and attorney for Carrington Mortgage ), I was told that I could use the {$1800.00} toward one of the {$5100.00} payments, I would just have to call prior to the payment and make a request to use my money they are holding toward a future payment. I called in XXXX and requested to use that {$1800.00} toward my XXXX payment. When I called in XXXX to make a payment minus the {$1800.00} that they were holding I was informed that I could not use this money until I completed the repayment plan. I was also informed that no supervisor would speak to me and that they did not have to provide me with any documentation reflecting that they have the right to hold my money and not use it toward a mortgage payment. Carrington mortgage is holding my money and refuses to apply it toward a mortgage payment. I have two more payments to make. Due to a decrease in work hours and no overtime pay I do not know why the mortgage company refuses to allow me to use the $ XXXX towards my XXXX payment as agreed to verbally during the mediation meeting. Why should the company hold on to money and not apply it toward my monthly payment since I am going through a hardship. So far I have made 4 out of the six payments I agreed to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 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: Innovis
State: GA

Complaint narrative:
I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report had been filed copies are attached. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. 
Please remove all none accounts holding inquiries and send my a copy of updated report.

Company response to consumer: Closed with explanation