vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-26 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: WA

Complaint narrative:
In XX/XX/2018 I had mail stolen and the suspect attempted to open an account with XXXX XXXX  on XX/XX/XXXX. I contacted XXXX XXXX and they immediately closed the application and said the inquiry would be removed from my Transunion credit report. I contacted them again in XXXX when the inquiry was still on my report and they said it will be taken care of within 30 days. It remains on my credit report to this day. 

I contacted Transunion and disputed the inquiry and their investigation determined this was accurate and did not remove it. I filed a follow-up complaint Transunion never responded to.

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 2019-04-26 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I have tried several times to submit disputes online and over the phone. Online I'm asked questions that do not pertain to me to verify my identity and can not access my file and over the phone I am ask about accounts I know nothing about to verify my identity, I am unable to get access to my file. I have inquiries I need to dispute on my account but I can not get access to my file because I am answering the questions wrong but none of the accounts they have on file for me I have no knowledge of. I also have accounts I need to dispute but again unable to get access to my file. The inquiries I was able to pull from credit sense is as followed XXXX Dated XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   Dated XX/XX/XXXX XXXX  XXXX Dated XX/XX/XXXX XXXX   Dated XXXX XXXX XXXX Dated XX/XX/XXXX XXXX Dated XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE
State: WA

Complaint narrative:
My wife lives in XXXX. From time to time we send each other money. We have been married for 18 years. She has been to the United States 9 times and I have been to XXXX 10 times. Yesterday XX/XX/2019 my wife sent me {$500.00} through Western Union. I have never had any problems before even when the amount was over {$3000.00}. Now Western Union is demanding that you give them your Social Security for anything over {$500.00}. They say they want two forms of Identification. Yet, they will not accept anything other than a driver 's license/State ID and a Social Security Card. I had my Driver 's License and my United States Passport, BUT! my passport was not good enough. Passport and Driver 's License both have my picture on them, Social Security Card does not. Forcing someone to use their Social Security Number only opens up the person to Identity Theft. A person I work with have been getting calls from someone saying they are with the CIA. this person have information about a person he was sending money to and all of his personal information that he could have only gotten from Western Union or XXXX XXXX. This CIA person is demanding {$450.00} to clear his name. Seniors and disabled people are being victimized by Western Union and XXXX XXXX by using their Social Security number to do business. As for the CIA and all government agencies, none of them ever call demanding payment. This is a problem the need action to stop crimes against the elderly and the disabled.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
I don not have any knowledge of this debt or where it comes from. 
I have never received any written notification about this debt. 
It should not be on my credit report due to me not having a chance to validate this debt. 
It needs to be removed from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I wrote Trans union on XX/XX/XXXX to XX/XX/XXXX asking them to remove an incorrectly reported tax lien on my credit report. I had written Transunion, XXXX, and XXXX   of which after a long process only XXXX and XXXX   removed the incorrect tax lien The tax lien was for Case # XXXX for {$820.00} that they listed twice The second tax lien was for # XXXX for {$270.00}. 

These liens were for a XXXX XXXX and due to her employer not reporting her withholding correctly. The court released me from the debt and the error. 
I sent the letter from the court to the credit companies but Trans Union didn't remove anything. Transunion reported it twice on my report. It caused me to have to pay over {$50000.00} in high interest for over 8 years. I had to struggle to get loans and it took me 18 years to buy my first home even with a VA loan. 

Also, they listed I have a 3-year credit history but I have paid loans since I was XXXX years old. My credit goes back 25 years.

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 2019-04-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: LendingPoint Holdings LLC
State: NC

Complaint narrative:
I have told LendingPoint on XX/XX/2019, to run my debit card payment i have on file because i would be out of town for three weeks and would not be able to check. This was very important they did this because im scheduled to close on my home equity line of credit on the XX/XX/XXXX which would enable me to pay them off and other bills to due the setback of Hurricane Florence and what is did to my family. Now im back in town and they have not only not taken the payment, they have reported it late to the credit bureaus and now i cant close on my home equity line of credit due to their negligence. This is not the first time they have done this and ive asked to speak to upper management many times and they tell me they will call and they do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are inquires on my report that were not authorized. I have been victim to their inquiry issue. I have contacted the credit bureau and the customer service agent i worked with was not helpful. Below is the list of the inquires : XXXX XXXX XXXX Inquired on XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX XXXX- Inquired on XX/XX/XXXX XXXX XXXX XXXX-Inquired on XX/XX/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 2019-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Medical-Dental-Hospital Bureau of San Antonio
State: TX

Complaint narrative:
The Debt Collector is Business & Professional -- ->The are stating that I owe them the amount of {$1800.00}. The company is reporting that I have 9 accounts, that they are seeking collections for. The dates range from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( listed twice ), XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Charges from XX/XX/XXXX, XX/XX/XXXX, 3 are for XXXX XXXX : These should have been submitted to XXXX for processing, and patient liability. 

Charges for XX/XX/XXXX, and XX/XX/XXXX should have been submitted to XXXX for processing, and liability, XX/XX/XXXX, XX/XX/XXXX, and XXXX, These are all for XXXX XXXX , and should have been submitted to XXXX XXXX for processing, and patient liability. 

These totaled {$1800.00}, should be referred to the appropriate carriers, before trying to collect on the full balance. 

The account number varies for each date of service. 

Please review, and remove these accounts from my credit report, as they need processing from the carriers as stated above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have been paying my loan since XXXX in the original amount of {$20000.00}. Most of the money I pay goes to the high interest rates which are non-negotiable ( or so it seems that way ). The loan amount was brought down in XXXX of XXXX for {$10000.00} and in XX/XX/XXXX they threw in the capitalized interest of {$1100.00} which brought the total amount to {$11000.00}. The loan was only reduced because I had to dropout of school since I couldn't afford it. Sallie Mae sold the loan to Navient on XX/XX/XXXX for {$9500.00} and I've gotten it down to {$5600.00} since then. What I have paid in the lifetime of this loan so far is {$16000.00} ( Not the exact amount ) which comes out to the lender gaining about {$5000.00} on interest alone. The total amount of what I have paid so far is worth more than what the total original amount was that I was being charged and even the amount when it was sold to Navient. I have tried several attempts every year to call Navient and get a lower interest rate so I could actually make a dent in the loan amount but the answer I always get is that they can't do anything for me because it's a private loan. The only thing they can do is put me into default which will allow me to financially recover for a bit but the interest would continue to accumulate. I've paid more than necessary every single month yet the interest keeps going up and no matter how much I beg to have them work with me, it doesn't change a thing. I went to school when I was XXXX, I'm XXXX now with a family and have debt that is much more important to manage than this private loan yet I can't seem to get anyone at Navient to help me out. The lenders are the same with their unwillingness to work with people even if we're trying to do the right thing and repay them. I've gone from 10 % to 12 % interest in the last year alone and I am starting to pay {$300.00} a month yet I see only a small difference in the principal balance. It's disappointing that people who are trying to get an education in order to have better lives can't seem to do so without carrying the weight with them the rest of their lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
Rushmore LM has continually called my cell via an automated dialing system. My phone has prevention of automated or robo calls. Allows to ring once then sends to voice mail. The message left on the voice mail is an automated computer generated voice in violation with Section 5 of the Federal Trade Commission Act, 15 U.S.C. 45 et seq. prohibits unfair or deceptive acts or practices in the marketplace. 

The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., ( which is enforced by the FTC ) provides that debt collectors may not, in connection with the collection of a debt, place telephone calls " without meaningful disclosure of the caller 's identity. '' 15 U.S.C. 1692d ( 6 Never is the number have any description of the company name nor when they call me home number. They were removed from calling my cell phone 2 years ago only to contact my landline. This violates laws under both FDCPA & TCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 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: IN

Complaint narrative:
I have contacted Experian multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Experian in regards to an account listed on my credit report as XXXX XXXX XXXX with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Experian, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Experian and another bureau that this account is being reported to. Again, I have not received any verification of this account, and in addition to that, Experian was reporting an open date of XX/XX/XXXX however XXXX was reporting an open date of XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX  XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XXXX and received the same response.

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 2019-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have purchased a XXXX tour for me and my spouse at XXXX XXXX. The tour didn't include 8 nights and airfare that is complaint with the 1990 Americans with disability act thus I attempted to dispute the purchase at {$590.00} reflecting the value of the package that was paid for but not received. 
I have called the Capital One to dispute the purchase from overseas location at the very high call rate as their toll free XXXX phone number is not operational from the call origin and the company refused to transfer me to their dispute dept citing instead the response by one rep and the supervisor XXXX that they are " unable to reach the dispute dept representatives. '' It is my impression that the Capital One is deliberately not willing to dispute the purchase contrary to the T & Cs. 
One question I posed to the CSR at the Capital One that I didn't receive the answer for : what is the appropriate amount of time that the customer calling from overseas is required to wait at $ XXXX/min? 
Please respond in writing to that question.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX Transunion, and XXXX  are continuing to report an outdated debt with XXXX XXXX/XXXX XXXXXXXX. A consumer reporting agency may not report outdated negative information. This debt is from 2005, which is well beyond the 7 year mark.

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 2019-04-26 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: BTH Management
State: OH

Complaint narrative:
There is an account that has been listed on my consumer report from Plaza Services there is no account number I am not the owner of this account I have disputed this several times with the credit bureaus they have not removed it and will not show me what is the proof I own this debt. I sent a validation letter certified with no response from the creditor with any proof this is my debt. They are now legally obligated to remove this I am not the owner of this debt.

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 2019-04-26 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: FL

Complaint narrative:
Different addresses are reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-26 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: Medical Data Systems, Inc.
State: LA

Complaint narrative:
Medical Data Systems was disputed and they expressed the account would be removed from my credit report in the amount of {$1400.00} and they removed it from XXXX and XXXX but neglected to remove it from XXXX credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 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: IN

Complaint narrative:
I have contacted Experian multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Experian in regards to an account listed on my credit report as XXXX XXXX/XXXX with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Experian, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Experian and another bureau that this account is being reported to. Again, I have not received any verification of this account, and in addition to that, Experian was reporting an open date of XX/XX/XXXX however XXXX was reporting an open date of XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XXXX and received the same response.000

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