vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-02 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have sent two request to remove an inaccurate item on my credit report. Once on XX/XX/XXXX and again on XX/XX/XXXX of 2018 I have received a response both times stating that its valid and verified. On the second letter I requested for them to let me know method of verification because I know that I didnt not have a loan out and the item they are reporting monthly is not accurate and my rights are being violated. I have not been sent anything showing how they verified or investigated

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 2018-11-02 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I have a fraudulent account on my credit report and XXXX and Equifax are CLEARLY breaking the law and I have talked to Special Handling several times and nothing has been done. I have filled out a police report and have created TWO FTC ID Theft affadavits since both credit bureaus claim that either the account number or the amount was incorrect on the account. 

I clearly asked for a Identity Theft block under FCRA 605B and neither bureau is complying, which is a violation of the law. I have sent proof of my identity, and submitted everything the law asks for in order to have this account blocked and there is no reason it should still be on my credit report. 

I have sent a copy of the FCRA law that I am referring to and it PLAINLY states that this account should be blocked. Noncompliance is a direct violation of Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX reported a debt that they claim was owed by original creditor, XXXX XXXX XXXX XXXX. However, I was never notified of the debt prior to either company negatively reporting the negative balance. I contacted the original creditor and paid the balance owed in full ( XXXX - confirmation number ) with a verbal promise they will update my record with the collection agency.

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 2018-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD bank closed my account mentioning that my signatures don't match. Initially, they were going to open a new account after filing a police report. This happened on XX/XX/18. I was a victim of check fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
The student loan companies are asking me to pay them back more than I can afford. They want more than 50 % of my paycheck, which leaves me with little to no money going forward

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SIMMONS FIRST NATIONAL CORPORATION
State: AR

Complaint narrative:
My checking account is in the negative. The bank continue to allow payments to post even though I am in the negative and charging me each time the {$35.00} overdraft fee. The bank has allowed one payment to process unsuccessfully 4 times, charging me a {$35.00} fee each time, while still allowing other items to post and process. I can't get back on track because I owe Simmons all of my check.

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 2018-11-02 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have sent two request to remove an inaccurate item on my credit report. Once on XX/XX/XXXX and again on XX/XX/XXXX of 2018 I have received a response both times stating that its valid and verified. On the second letter I requested for them to let me know method of verification because I know that I didnt not have a loan out and the item they are reporting monthly is not accurate and my rights are being violated. I have not been sent anything showing how they verified or investigated

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 2018-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On XX/XX/2018 my payment of {$25.00} to XXXX XXXX XXXX was posted and bounced back on XX/XX/2018. This was because my wallet was stolen, and my bank account number had to be changed. XXXX locked my account, and I was unable to pay online or in store with my card. I did not want to post a payment through the phone as my credit card was just stolen and I was concerned about identity theft. I spoke with numerous customer reps at XXXX who assured me my online account would be fixed. My account was not reactivated until I was forced to pay the account via phone. Finally, on XX/XX/XXXX I agreed to pay the balance over phone as no other options existed. 

Since that date, XXXX has reported my payment as late, and all of my attempts to rectify the situation via customer service has ended in either being hung up on or told theres absolutely nothing they can do. At this time, XXXX has 1 ) reported my payment to be 60 days late despite my best efforts to pay them, 2 ) charged me a late fee, 3 ), 4 ) been unwilling to accept any fault in this matter, and 5 ) unwilling to update my credit report despite their fault in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Back in XX/XX/2018 I advised Equifax that I am a victim of identity theft and you are reporting inaccurate fraudulent accounts onto my credit file that do not belong to me. I have contacted each company listed below yet they can not validate these accounts with me so how in the heck are hey verifying them with you? Equifax deleted accounts yet inserted them back without giving me notice as well. Once again these accounts do not belong to me so why are you repeatedly continuing to report these onto my credit file. Please remove these accounts listed below and in the attached documents from my credit file immediately as they are a result of identity theft. As directed by section 605B of the FCRA notify all furnishers of this information and remove from my credit file immediately.i will be forced to file suit against Equifax as well as the listed companies if they are not deleted immediately. There are no contracts bearing my signature nor have they provided any proof that I have ever had any obligations to pay them. Im getting fed up with the false reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My compliant is about Experian. I have tried many times to contact them by phone to remove an existing dispute from my credit. I have called at least 6 different phone numbers and none give the option to reach a person. I believe this company is actively trying to avoid speaking with consumers. I was able to reach XXXX and XXXX within 20 minutes and resolved my issue but Experian seems to want to avoid speaking with consumers and I believe this is abuse and neglect. My issue CAN NOT be resolved with an automated system, but I believe they are not interested in allowing someone to speak with me unless I sign up for the credit services.

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 2018-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
1. Numerous variants/misspellings/letter inserts & omissions of my name submitted by different marketing companies.

2. Incorrect addresses/misspellings submitted by different marketing companies.

3. All of the above should be deleted.

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 2018-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
My identity was stolen in XX/XX/XXXX, which coincided with the birth of my XXXX child, making it very hard for me to spend the hours needed on the phone to try to fix my credit. Nonetheless, I was successful in removing all fraudulent accounts - or so I thought. Apparently an account with XXXX/XXXX  XXXX XXXX XXXX   was opened on XX/XX/XXXX, around the same time my credit was frozen. I had no knowledge of this account until I checked my credit report in XX/XX/XXXX and saw that there was a collection on it. I inmediately contacted the company, XXXX XXXX XXXX, via email and phone. I was referred by them to Halsted Financial Services, and spoke to XXXX, a supervisor. I sent them a copy of my police report as requested and verified that the account had been opened fraudulently. However, it has been a YEAR and they have failed to remove it from my credit report. I am now facing paying {$40000.00} in additional interest on a mortgage due to the ongoing effect on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
I am writing to you today regarding my student loan account which I had while I was a student at XXXX University. The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of this account to the three credit agencies. 

During the time period this account was established I had was very happy with the service, I was however not the ideal customer and made mistakes with my handling of the account. I should have kept better records regarding the account and I take full responsibility. I became aware of the unpaid balance when I got a copy of my credit report in XX/XX/2018. 

I know that payment was my responsibility and I am not attempting to justify this breach in the user agreement, I was however hoping you might review the circumstances under which this nonpayment occurred and consider removing the negative trade line associated with this account from my three credit reports. 

As soon as I became aware of the balance I contacted DEPT OF ED/ NEL NET I consolidated my loans, refinanced my debts for an easier payment schedule, and closed all accounts paid in full. I provide this not to justify why the account was unpaid, but rather to show that the issue with my student loan account is not a good indicator of my actual credit worthiness. I hope that DEPT OF ED/ NEL NET is willing to work with me on erasing this mark from my credit reports. 

Your kind consideration in this matter is greatly appreciated. 

Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 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: FL

Complaint narrative:
Transunion has continued to allow unauthorized and fraudulent inquires to remain on my credit report, even though they have been informed via multiple disputes delivered by certified mail and a former CFPB complaint. I recently applied for new credit and was denied due to " too many inquiries, '' and the bank informed me that it would have been approved if there were less inquiries. 5 out of the 9 inquiries that I currently have on my Transunion Credit report were unauthorized and fraudulent. The unauthorized inquires are the following : 1 ) XXXX - XX/XX/XXXX 2 ) XXXX - XX/XX/XXXX 3 ) XXXX XXXX XXXX - XX/XX/XXXX 3 ) XXXX  XXXX - XX/XX/XXXX 4 ) XXXX   XXXX - XX/XX/XXXX ... ..

It is truly disheartening and unnerving when a Credit Reporting Agency, such as Transunion, has utter disregard for Federal Law and the economic harm that can befall a consumer when these Violations of the Fair Credit Report Act ( FCRA ) happen. The FCRA, specifically 1681e ( b ), which requires a credit reporting agency to follow reasonable procedures to ensure maximum accuracy, 1681i, which requires a credit reporting agency to comply with certain reinvestigation requirements, and 1681b, requiring a credit reporting agency to provide a consumers credit file to companies only if it has determined there is a permissible purpose, are important and essential elements of FCRA. However, any negligent and/or willful violations of any of these provisions can cause irreparable financial and economic harm to a consumer. The inquiries mentioned above are obvious permissible purpose violations, and they need to be removed immediately. I have contacted the creditors, I have disputed the inquiries with Transunion, and they now remain as a willful violation FCRA 1681b ( a ) ( 3 ) ( A ). Please remove them immediately permissible purpose violation

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 2018-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
As I was investigating the hard inquires against my credit, I noticed 2 Capital One card inquires. One is for XX/XX/2018 and another for XX/XX/2018. I have never applied, submitted my information, or even contacted Capital One or any of it's affiliates. Also- why would there be 2 inquires within 5 days? I would please like further information about this because I am confused. These inquires are negatively impacting me, however, I was not responsible for these hard inquires. If I am unable to solve this problem and they are not removed from my account I will have to file for identity theft or fraud against my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Veripro Solutions Inc.
State: NJ

Complaint narrative:
last week, i called Veripro Solutions to see if i could negotiate a reasonable amount to release the lien that was included in my bankruptcy XXXX in XXXX. My case worker, XXXX, gave me an offer but I said NO because the property isn't worth it and he really tried hard to think he was smart and was going to compel me to make a bad business decision. However, i said NO and i asked if he could just send me a letter of that offer even though I WAS NOT going to accept it .... i wanted it in writing because i may have to file a quiet title or a motion to make them release the liens. The mortgages were discharged and last payment on this house was in XXXX. The first mortgage company just released their lien for {$120000.00} to me because this area in NJ was hit very hard by the crisis. My house is worth MAYBE XXXX at the most. I left for an extended period of time and someone broke in and started a fire there last month. On top of ceilings falling down, and the roof and the new furnace that is needed. I was willing to pay maybe a grand but nope i would rather it go to tax sale or consider filing a motion. the house isn't worth it i was trying to take care of it because its a duplex and this fire was at XXXX in the morning and there is a family that is attached to that building so i wanted to see what i could do so this doesn't happen again. i was willing to settle with 2 mortgage companys if i knew i could sell it fast to get my money back. i am not stupid and i know when to walk away ... i suggest XXXX XXXX understand that if he calls me again i will get compensated. His call today/time has been recorded in my journal. 

So .... my complaint is that he called me trying to collect on the offer that i clearly told him I WAS NOT GOING TO ACCEPT but i just needed it in writing. 

I told him AGAIN TODAY this debt was discharged in a chapter XXXX. he continued to annoy me until i hung up on him ... he was obviously not done harassing me and thought it was fun! game over XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
I am writing to you today regarding my student loan account which I had while I was a student at XXXX University. The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of this account to the three credit  agencies. 

During the time period this account was established I had was very happy with the service, I was however not the ideal customer and made mistakes with my handling of the account. I should have kept better records regarding the account and I take full responsibility. I became aware of the unpaid balance when I got a copy of my credit report in XX/XX/2018. 

I know that payment was my responsibility and I am not attempting to justify this breach in the user agreement, I was however hoping you might review the circumstances under which this nonpayment occurred and consider removing the negative trade line associated with this account from my three credit reports. 

As soon as I became aware of the balance I contacted DEPT OF ED/ NEL NET I consolidated my loans, refinanced my debts for an easier payment schedule, and closed all accounts paid in full. I provide this not to justify why the account was unpaid, but rather to show that the issue with my student loan account is not a good indicator of my actual credit worthiness. I hope that DEPT OF ED/ NEL NET is willing to work with me on erasing this mark from my credit reports. 

Your kind consideration in this matter is greatly appreciated. 

Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
In XXXX of 2018 ( I'm not sure of the exact date ) I ordered a eliptical machine from XXXX. Which was financed through TD Bank which is the credit card company. A few weeks after I recieved the merchandise I realized that it was literally bad on my knees, so I called and returned the elptical and ordered a treadmill. Mind you it literally took them almost to pick up the eliptical and then longer to deliver the treadmill. Once they finally picked up the treadmill. I realized that it would be very difficult to move the treadmill around to another room. Despite the commercial saying that it was concviennt and could be stored in any room. So again I called and had them return the treadmill. Which again took almost 2 months for them to pick it up. Now I look at my statements and my credit report. Which says that I maxed out ( well almost maxed out my credit limit of XXXX with TD bank. And then I get statements saying that my balance is XXXX because I never returned the treadmill and then they have the nerve to charge me a restocking fee in the access of XXXX and something dollars when It took them months at a time to pick up the return!!! I filed a dispute and still no resolution!!!! Fair warning do not do buisness with XXXX XXXX!! or TD bank for that matter

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: CA

Complaint narrative:
My identity was stolen in XX/XX/XXXX, which coincided with the birth of my XXXX child, making it very hard for me to spend the hours needed on the phone to try to fix my credit. Nonetheless, I was successful in removing all fraudulent accounts - or so I thought. Apparently an account with XXXX/XXXX XXXX XXXX XXXX   was opened on XX/XX/XXXX, around the same time my credit was frozen. I had no knowledge of this account until I checked my credit report in XX/XX/XXXX and saw that there was a collection on it. I inmediately contacted the company, Security Credit Services, via email and phone. I was referred by them to XXXX XXXX XXXX, and spoke to XXXX, a supervisor. I sent them a copy of my police report as requested and verified that the account had been opened fraudulently. However, it has been a YEAR and they have failed to remove it from my credit report. I am now facing paying {$40000.00} in additional interest on a mortgage due to the ongoing effect on my credit score.

Company response to consumer: Closed with explanation