vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I sent all required documents to have any Fraud alerts removed from my account. Please see the attached letter.

XXXX  sent a letter stating they updated an extended fraud alert on my XXXX Credit file.

I did not request this.

I want the Fraud Alert Removed! 

I believe this is a way of discriminating against people who are requesting a credit card. I have applied for credit cards, and have been denied because of the fraud alerts on my account. 

ADDITIONALLY, THEY SENT THE REQUEST TO FOR AN EXTENDED FRAUD ALERTS TO TRANS-UNION AND XXXX.

I WANT ALL FRAUD ALERTS REMOVED FROM MY CREDIT REPORTS1

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 2019-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I sent all required documents to have any Fraud alerts removed from my account. Please see the attached letter.

XXXX  sent a letter stating they updated an extended fraud alert on my XXXX  Credit file.

I did not request this.

I want the Fraud Alert Removed!

I believe this is a way of discriminating against people who are requesting a credit card. I have applied for credit cards, and have been denied because of the fraud alerts on my account. 

ADDITIONALLY, THEY SENT THE REQUEST TO FOR AN EXTENDED FRAUD ALERTS TO XXXX AND EXPERIAN. 

I WANT ALL FRAUD ALERTS REMOVED FROM MY CREDIT REPORTS1

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 2019-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Below you will find the dates of loan disbursements, my payments, and interest accruals. You can see there are two amounts for {$2700.00} listed on XX/XX/XXXX. One of those is a payment, the other is an additional charge they made. As I had already graduated and was no longer receiving loan disbursements there should have been no charge there. For the payment I made on this date I also asked the money to pay the entirety of my smallest loan ( XXXX ) and the remaining money go towards paying for my second smallest loan ( under XXXX ). I reached out to the lender in XXXX when I noticed the payment was no allocated as I asked and when I noticed my account said I owed more than the records I have and they have been sending me state. 

Taking away the addition of the XX/XX/XXXX {$2700.00} that should not be there I owe {$34000.00} but the lender is saying I owe {$41000.00}. 



Date Description Principal Interest Total XX/XX/XXXX PAYMENT {$0.00} ( {$50.00} ) ( {$50.00} ) XX/XX/XXXX PAYMENT {$0.00} ( {$50.00} ) ( {$50.00} ) XX/XX/XXXX????????? {$2200.00} {$490.00} {$2700.00} XX/XX/XXXX PAYMENT ( {$2200.00} ) ( {$490.00} ) ( {$2700.00} ) XX/XX/XXXX PAYMENT ( {$50.00} ) {$0.00} ( {$50.00} ) XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX PAYMENT ( {$2800.00} ) {$0.00} ( {$2800.00} ) XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX PAYMENT ( {$1600.00} ) ( {$1300.00} ) ( {$3000.00} ) XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX DISBURSEMENT {$2200.00} {$110.00} {$2300.00} XX/XX/XXXX PAYMENT ( {$3700.00} ) ( {$550.00} ) ( {$4200.00} ) XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX PAYMENT ( {$2400.00} ) {$0.00} ( {$2400.00} ) XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX DISBURSEMENT {$2200.00} {$0.00} {$2200.00} XX/XX/XXXX PAYMENT ( {$500.00} ) {$0.00} ( {$500.00} ) XX/XX/XXXX DISBURSEMENT {$2500.00} {$0.00} {$2500.00} XX/XX/XXXX PAYMENT ( {$40.00} ) ( {$10.00} ) ( {$50.00} ) XX/XX/XXXX DISBURSEMENT {$2500.00} {$0.00} {$2500.00} Total {$34000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
There was a {$210.00} withdrawal on XX/XX/2018 from my Checking account from Bank of America that according to the bank associate I did, but I did not withdraw the money and they do not want to investigate or return my money.

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 2019-01-02 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: CORELOGIC INC
State: MN

Complaint narrative:
XX/XX/XXXX, I went into my bank to refinance my vehicle. I found out that the XXXX pulls my credit from XXXX. XXXX  has outdated information reporting to my file. In XXXX of this year, I purchased a new home. The three national credit reporting bureaus, XXXX, XXXX  and XXXX  was used. I had an issue with the XXXX XXXX XXXX XXXX posting to the bureaus. I received a letter from them to update my credit report recently. I've been checking my report regularly and don't have any collections on it. XXXX is still posting some outdated and/or inaccurate information on my credit report that is hindering me from getting an approval to refinance my vehicle at a lower interest rate. I was contacted by the bank representative noting that there is something on my account that disallow the refinance approval. I was told mainly that my home that I purchased on XX/XX/2018 is not showing up on my account. The bank representative left a message on my phone noting that something is showing up on my credit report by XXXX. This is the third time that this bank has denied me an approval for information stored on the XXXX report. XXXX  is not sending me a report so that I may dispute any inaccuracies pertained on 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 explanation
Consumer complaint received 2019-01-02 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:
the three major credit bureaus refuse to remove eviction that does not belong to me ; I am a victim of ID The have submitted affaviadt and police report to support claim and its still there the account names are : XXXX XXXX XXXX/ XXXX XXXX, XXXX XXXX XXXX/XXXX  , XXXX XXXX, XXXX  XXXX XXXX XXXX , and XXXX XXXX ... please see FTC report # : 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 2019-01-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
We were given a pre-approval letter by Quicken Loans in XX/XX/201, were not provided a denial letter until XX/XX/2017. The denial disclosure was not provided within 30 days. This requirement falls under the Equal Credit Opportunity Act ( ECOA ) / Regulation B. My husband and I have been trying to get this settled for almosr two years now without getting any resolution. We have sent emails and complaints and have had this issue just swept under the rug and the business that the complaint is on continues to do this same thing to other people. 

The company continual states that they did nothing wrong. They have tried to put this on us by saying my husband did not complete the credit application when it was sent in from thier website.. He sent in info weekly that was stated as needed. They said nothing until our lease was up. Even though they told us and the property manager that everything was going good and we would be approved. 

The property manager at that time had written up a contract. I don't think he would have done so if he was told we would not be getting the loan.Quicken Loans has done nothing but state they did nothing wrong. We are not the only people this company has wronged. This needs to stop. The stress of dealing with Quicken Loans on this issue almost killed me. I was admitted to the hospital for a XXXX XXXX XXXX, and had back to back risky XXXX  and almost died. The stress of this is not wanted or needed. We just want back what we had to pay during all of this. Even though this situation has cause other financial issues. 

If this issue is not settled, it could continue to have a stress factor on me and end me up in the hospital again with the same issue, and once again I could die. Maybe that is what the company wants so I will stop complainig and bring this issue to their attention to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 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: TN

Complaint narrative:
Transunion had a computer glitch in their system that violated the rights of their consumers under section 6.11 of the Fair Reporting Credit Act. I have been greatly affected and my score is suffering as a result. This computer glitch caused all the inquiries on my credit report to be deleted and my credit score increased. The inquiries were then added back to my credit report without written notification in direct violation of section 6.11 of the Fair Reporting Credit Act. I have attempted to call Trans Union at XXXX on this matter several times being placed on hold for indefinite amounts of time or mysteriously disconnected. I finally managed to reach XXXX ( did not give last name ) on XX/XX/2019 at approximately XXXX hours. I informed XXXX that I was aware of the computer glitch and noticed several inquiry items on my credit report that had reappeared. XXXX 's response was, Where did you get information from about a glitch? Who told you that? I told him that I received that information from several sources on the internet including the CFPB. XXXX seemingly mocked me by asking, You believe everything you read on the internet? I reluctantly continued to speak with XXXX about the inquiries and unless I misunderstood him, XXXX stated, Doesnt look like you were affected. Out of frustration, I ended my call with XXXX. I am tired of being victimized by Trans Union. Its bad enough that I recently had to file Chapter XXXX Bankruptcy due to the untimely death of my spouse, but now that Ive been discharged from that Bankruptcy and trying to recover my finances, now I must deal with these despicable tactics on behalf of Trans Union. I demand that Trans Union remove these inquiries from my credit report immediately before I seek a legal recourse.

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 2019-01-02 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: FL

Complaint narrative:
Account was disputed with credit card company XXXX XXXX who completed the investigation and had both accounts deleted from credit report. Trans Union continues to report account on credit report when it should have been removed as per XXXX XXXX. 

Attached is letter from Credit stating accounts should be 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 2019-01-02 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:
the three major credit bureaus refuse to remove eviction that does not belong to me ; I am a victim of ID The have submitted affaviadt and police report to support claim and its still there the account names are : XXXX XXXX XXXX/ XXXX XXXX, XXXX XXXX XXXX/XXXX  , XXXX XXXX, XXXX  XXXX XXXX XXXX , and XXXX XXXX ... please see FTC report # : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 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:
the three major credit bureaus refuse to remove eviction that does not belong to me ; I am a victim of ID The have submitted affaviadt and police report to support claim and its still there the account names are : XXXX XXXX XXXX/ XXXX XXXX, XXXX XXXX XXXX/XXXX  , XXXX XXXX, XXXX  XXXX XXXX XXXX , and XXXX XXXX ... please see FTC report # : 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 2019-01-02 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: NJ

Complaint narrative:
all my credit card accounts have been paid with XXXX balance all 3 bureaus have not and will not up date the accounts to show XXXX balance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 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: IL

Complaint narrative:
NOTE : This is my third complaint to CFPB about the same issue. And my 6th dispute with TransUnion, TransUnion have yet to provide me with ANY copies of original documents ( a Original Signed Contract With My Signature ) that is my Right by FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Please be advised that THIS IS NOT MY ITEM!!!!! TransUnion are required to PROMPTLY DELETE  this Negative XXXX XXXX account # XXXX. Note : XXXX have Deleted this ITEM because IT'S NOT MINES I have filed a Complaint with the Attorney General also. Please send me a Contact with my signature on it are Delete 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 explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC
State: GA

Complaint narrative:
I currently have a personal loan with Mariner Finance and have done business with them for several years now. On XX/XX/XXXX I went on the website to pay bill but my {$200.00} was declined due to it not being the full amount of {$230.00} something. I come in to work on XX/XX/XXXX after returning from the holidays to be confronted by my boss about the Mariner account I have. He informed me that a representative of the company had contacted my work office and told him that I had a loan and that I was going to be prosecuted if I didn't pay. They continued by telling him it would only take {$130.00} or around that amount to avoid this from happening. This has caused turmoil for me and friction in my workplace. They had NO right to contact my employment and give any information other than to have me contact them. Because of this, I may lose my job.

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 2019-01-02 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: NJ

Complaint narrative:
all my credit card accounts have been paid with XXXX balance all 3 bureaus have not and will not up date the accounts to show XXXX balance

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 2019-01-02 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: NJ

Complaint narrative:
all my credit card accounts have been paid with XXXX balance all 3 bureaus have not and will not up date the accounts to show XXXX balance

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 2019-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
OPORTUN/XXXX XXXX Account number XXXX .... 
Recent balance {$7100.00} as of XXXX HAS REPOSESSED THE CAR, AUCTIONED IT OFF FOR MORE THAN OUTSTANDING BALANCE AND NOW STILL TRYING TO COLLECT ON THIS ALREADY PAID OFF AND COLLECTED BALANCE IN FULL. WHEN TRYING TO RESOLVE WITH OPORTUN THEY ASK FOR MY SOCIAL # PULL UP THE ACCOUNT THEN ASK ME TO VERIFY ACCOUNT NUMBER WHICH I CAN'T BECAUSE IT IS A VERY OLD ACCOUNT AND SHOULD NOT HAVE ANY BALANCE TO BEING WITH ... OPORTUN IS NOW CALLING MY HOME, WORK AND RELATIVES THREATENING TO ARREST AND TAKE LEGAL ACTION IF BALANCE IS NOT PAID EVEN THOUGH THIS IS A 5 + YEAR OLD ACCOUNT ISN'T THIS ILLEGAL TO DO??

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 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: NM

Complaint narrative:
XXXX XXXX, Equifax and XXXX  are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: First Data Corporation
State: CA

Complaint narrative:
I called XXXX, First Data, multiple times over the last six months, requesting my account to be closed. 

Every single time I was told that I had a legacy account and that I needed to leave a message so I could be contacted. I did as requested, but I was never contacted. 

Instead, XXXX kept taking out the monthly service fees from my account while stringing me along on promises of getting a call back from them. 

On XX/XX/2019 they withdrew {$220.00} from my account, citing an annual renewal fee. When I called them, I reiterated that for months I have been requesting the account to be closed to no avail. Immediately, the agent sent me the cancelation paperwork. 

For months, I have requested a cancelation and for months XXXX intentionally kept the necessary paperwork from me, lied about legacy account statuses and never called me back in order to keep the account open long enough to charge the annual fee.

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 2019-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
A. I work for XXXX  XXXX XXXX in XXXX  XXXX XXXX, XXXX XXXX, SC XXXX ... .by Gods grace ... I am a XXXX XXXX employee- you can check XXXX XXXX XXXX XXXX have a XXXX email by Gods grace and guidance. 

2. I was trying to consolidate to do good payment since i have t omaintain XXXX, in an aprtment, then my family lives in XXXX, Fl XXXX, USA and 3. my mother lives in XXXX now called XXXX Hard to maintain always so trying t oconslidate 3. During that stage, Mrs. XXXX XXXX in XXXX XXXX XXXX XXXX did an outstanding job as always- from day from the year 2016 when i got XXXX XXXX loan. 

4. now i have called to consolidate, she found negative and i asked them to send the letter it states 39- serious delinquency which is Absolutely wrong. 

5. As you had asked from this afternono i had tried multiple times to reach XXXX XXXX XXXX XXXX any option i could not get hold of i tried through XXXX  search or how to contact- someone told email consumer support customer support for experien it goes to an auto response to auto repair totally lost =unable to reach to explain and get the accurate and resolve so that it does not appear wrongly Is there a way to reach them or talk to them in person please

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 2019-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
I have continually advised Grant Mercantile Agency that this is not my debt, that I have medical insurance and that I have never been to the location they allege services were provided.

Company response to consumer: Closed with explanation