vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-27 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: CA

Complaint narrative:
Please remove the following unauthorized inquiries from my Transunion credit report : XXXX XXXX XXXX XXXX XX/XX/18 XXXX XX/XX/18

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 2018-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please note that this is not a DISPUTE but a request for complete COMPLIANCE and Challenge for Non-Compliance in accordance to the FCRA. 
I have recently reviewed my credit report as I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Upon review, there are injurious, UNPROVEN, NON-COMPLIANT and Inaccurate items being displayed on my credit report as per XXXX XXXX XXXX. 
I have attached What these items are :

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 2018-03-27 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:
This is the SECOND complaint about this issue with this financial institution, since last XXXX. They are not updating my payment history and balance for this mortgage in a timely manner. They are blaming this on Hurricane Irma, but my property received NO damage and I have made every single payment on time, always. It is damaging my credit history and score. Trans Union is showing last payment of XXXX, XXXX and XXXX is showing XXXX, XXXX payment and balance info, and nothing further. My last payment was XX/XX/XXXX. Both bureaus are showing balance too high, and incomplete payment history. I filed a dispute with TransUnion via XXXX XXXX, which TU never replied 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 2018-03-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is the SECOND complaint about this issue with this financial institution, since last XXXX. They are not updating my payment history and balance for this mortgage in a timely manner. They are blaming this on Hurricane Irma, but my property received NO damage and I have made every single payment on time, always. It is damaging my credit history and score. XXXX XXXX is showing last payment of XXXX, XXXX and Equifax is showing XXXX, XXXX payment and balance info, and nothing further. My last payment was XX/XX/XXXX. Both bureaus are showing balance too high, and incomplete payment history. I filed a dispute with XXXX via XXXX XXXX, which XXXX never replied to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
For over 9 months now i have been calling between the credit bureaus and GM financial to have my GM financial account reporting to the credit bureaus. GM financial has repeatedly told me it would be taken care of. Repeatedly i have had to inquire as to why it is not reporting still. Repeatedly i am told that one single.person in GM Financial deals with this. This is a person i can never be connected to. Supervisors at GM have been supposedly emailed repeatedly. I have left numerous voice messages. Three days in a row for eg i called the number i was given, 25 x, no answer except a vm. I have tried extensively to correct my credit and this issue has prevented me from getting a few health assisting loans i have greatly needed. I have flatly been informed if my auto loan was reporting i would have excellent credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
This was a collection account on my credit report that i wrote/called in to have validated. It is my understanding that this company ( XXXX XXXX ), is not suppose to continue pressing me for the money until dispute is resolved. They have called several times and even demanded that i produce a " student identification ''.

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 2018-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES
State: GA

Complaint narrative:
I am seeking to participate in a class action lawsuit against the major student loan companies ; XXXX XXXX and Great Lakes. I have been repaying student loans off and on for 23 years, and my loans continue to inflate. I have always worked in XXXX XXXX but have been so misinformed by these companies that I have only been in the right program for 1 year now. I am on an IBR plan now. At times I was told I would qualify for PSLF as the XXXX XXXX program ( I am a school XXXX ). Now I am told I do not qualify but could under the PSLF program but only for the last year that I have been in the correct repayment plan. For years I contacted these companies and others trying to get help and they gave me incorrect information. My public service work goes all the way back to XXXX. I would like to see some of that work time count for the service instead of only after XXXX. I have been mislead at every turn and I can't get ahead of this loan. I now have about 5 years that would qualify under PLS but I was not in the correct plan. I was paying more a month then than I am now under the correct IBR plan. What sense does that make?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: OH

Complaint narrative:
I opened XXXX XXXX  accounts. XXXX later sent me a XXXX Credit Card application. I applied (XX/XX/XXXX) for the XXXX credit card. A company named " XXXX XXXX XXXX  ( Card Member Service Phone XXXX   ) '' sent letter ( XX/XX/XXXX) denying credit due to a credit freeze I had place with all credit agencies : XXXX XXXX and XXXX, due a credit breech and ID theft in my past. I called XXXX several time and all credit agencies. All credit agencies said to set up a one time password for XXXX to use to check my credit. XXXX refused to use the recommended safe and secure path as recommended by all the credit agencies. XXXX  said I had to completely remove all credit freezes. This would be a crazy thing to do! XXXX  refused to process the credit application.

Credit security is very serious and XXXX is not up to date or blind of modern scams and credit breeches! XXXX refused to use the PINs for the one-time-credit-check recommended by : XXXX XXXX  and XXXX credit bureaus.

I also complained to : XXXX XXXX XXXX XXXX  and XXXX  and had no success! The one-time PINs is a good safe process that XXXX  refused to use to check my credit for the credit card application.

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 2018-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Kramer & Frank, P.C.
State: KS

Complaint narrative:
I was listed on a lawsuit filed by Kramer and Frank P.C. which I am not a party to. This was on my wife. She had the insurance in her name and some how my name was added to this. I have no ties to this debt and they are threatening me with garnishment. She only listed me as an emergency contact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I don't agree with the Experian Ruling on my credit report from XXXX XXXX XXXX. It is based upon one single late payment in a 16 year credit history. This late payment was because of a divorce and subsequent change of address and one single failure to pay because my ex wife and a fraud was on this card, the reason why I failed to pay was because of an XXXX XXXX committed with my financials concerned at the time, both of which purps are still in business. The failure of XXXX XXXX XXXX to let this go shows great animosity on the behalf of the XXXX XXXX and a failure of fair reporting. One late payment which is now over 6 years old should not be affecting my credit report for this long nor should it bring it down by 60 points. Can you regulate them properly now? 
Thanks. 
XXXX XXXX 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 2018-03-27 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: MD

Complaint narrative:
I had an open credit card account with XXXX XXXX XXXX and I have not been late on payments on this credit card ever since I applied for it on XXXX of XXXX. On XXXX of XXXX, I have made a balance transfer on this account from a 0 % credit card to help lower my debt, interest charge and pay off the credit card rather. Few days after making the transfer, XXXX XXXX XXXX XXXX XXXX XXXX have decided to lower my limit, putting my credit card balance below the limit, which have resulted to lowering my credit score and making it impossible for me to qualify for other credit card account with 0 % or any other type of loans. After multiple attempts to arrange the situation, XXXX XXXX XXXX have decided to close the account on XXXX of XXXX. 
On XX/XX/XXXX, I reached an agreement with XXXX XXXX XXXX to pay off the account by making periodic payments of {$500.00} every month with the condition that the account was brought up to date by making a payment of {$300.00} that day and that the previously setup automated of {$200.00} every month would be deleted to avoid having to pay twice every month. XXXX XXXX XXXX did not follow through the agreement and kept charging my account with the {$200.00} payment on the XXXX of the month. After discussing the issue with them, they agreed to reimburse me the payment of {$200.00} to my account and make sure that any late fees associated that resulted from this to be reimbursed and any reporting ( 30 days late ) to be deleted off the my credit report by contacting the bureau. This still has not happen.

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 2018-03-27 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: MD

Complaint narrative:
I had an open credit card account with XXXX XXXX XXXX and I have not been late on payments on this credit card ever since I applied for it on XXXX of XXXX. On XXXX of XXXX, I have made a balance transfer on this account from a 0 % credit card to help lower my debt, interest charge and pay off the credit card rather. Few days after making the transfer, XXXX XXXX XXXX XXXX XXXX XXXX have decided to lower my limit, putting my credit card balance below the limit, which have resulted to lowering my credit score and making it impossible for me to qualify for other credit card account with 0 % or any other type of loans. After multiple attempts to arrange the situation, XXXX XXXX XXXX have decided to close the account on XXXX of XXXX. 
On XX/XX/XXXX, I reached an agreement with XXXX XXXX XXXX to pay off the account by making periodic payments of {$500.00} every month with the condition that the account was brought up to date by making a payment of {$300.00} that day and that the previously setup automated of {$200.00} every month would be deleted to avoid having to pay twice every month. XXXX XXXX XXXX did not follow through the agreement and kept charging my account with the {$200.00} payment on the XXXX of the month. After discussing the issue with them, they agreed to reimburse me the payment of {$200.00} to my account and make sure that any late fees associated that resulted from this to be reimbursed and any reporting ( 30 days late ) to be deleted off the my credit report by contacting the bureau. This still has not happen.

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 2018-03-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ECMC GROUP, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I became aware of a student loan debt in XX/XX/XXXX of last year when I tried to apply for a loan. XXXX had my account via my credit report. I notified all three credit bureaus immediately of identity theft. They did a dispute.30 days later it was not removed nor did I receive a response from XXXX. I notified XXXX on XX/XX/XXXX, and the account was closed on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX {$8200.00} Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX {$6000.00} Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX {$5300.00} Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX {$4700.00} Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX {$4000.00} Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX {$2100.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX {$0.00} XXXX XXXX XXXX. XXXX XXXX Closed : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX - DIRECT Closed : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX XXXX - DIRECT Closed : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX {$0.00} Closed XXXX  Closed : XX/XX/XXXX {$0.00} Closed XXXX Closed : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX {$0.00} I mailed the Affidavit of truth and fact notarized on XX/XX/XXXX, copy of drivers license and social security card, the official police report # XXXX, and federal trade commission identity theft report # XXXX. After they deleted it, it appears that they sold the debt to ECMC ( Educational Credit Management Corporation ) Account # : XXXX. I faxed the information to that company 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 2018-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
This account was deleted by XXXX  as and unverified account on XX/XX/2018 after contacting your company. 
I disputed this account with XXXX and XXXX three times as this account still remains! Both companys are saying that your company keeps saying its verified. How is this possible? XXXX mailed me a copy of my report showing this account was deleted as unverified do to your companys investigation. How is it being verified with the other two Bureaus is absolutely absurd to me!

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 2018-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
I DO NOT HAVE ANY SIGNED CONTRACT ( S ) WITH GLA COLLECTION COMPANY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Stone Higgs & Drexler
State: AR

Complaint narrative:
I was issued a subpoena on XX/XX/XXXX by Stone, Higgs, Drexler in Tennessee for a payday with XXXX XXXX. I was never noticed in writing or via mail for this debt. The debt was last paid XX/XX/XXXX. I called XXXX XXXX, spoke with XXXX and I asked her why I was never notified prior to this and she told me I would have to address all concerns with the law firm. 
I have spoken with the law firm and asked for debt validation and they refuse to send me documents in the mail. The only response that I am getting is that " We have to be careful what we send you because in live in Arkansas '' ( per XXXX XXXX at the law firm ). I asked what about an offer, but I need documents mailed and they refuse to mail any documents. The company is suing me XXXX plus XXXX in law fees for total of XXXX. The amount on my credit report showed that I owed XXXX ( was final amount reported ). I don't know what to do and they are trying to sue me on XX/XX/XXXX in Tennessee for a judgement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
We were using Quicken loans to purchase a home, which is a new construction on VACANT land scheduled to be finished in XX/XX/XXXX, On XX/XX/XXXX i was asking about the closing costs because I noticed the property taxes {$2800.00} was on the tax cert. I was told this was an estimate because currently the lot was being assessed based on vacant land. 
On XX/XX/XXXX, I called the XXXX County Assessors office and I spoke with XXXX. I gave her the LOT #. XXXX told me that the only thing due was {$0.00} cents for the year based on the VACANT land. I asked her if XXXX County were going to come to come out and reassess the land now that there will be a home built on it. XXXX told me they will not reassess the lot for two years or XX/XX/XXXX. I emailed Quicken and was told Quicken would have to do their own research. 
On XX/XX/XXXX, I emailed Quicken and asked for an update. 
On XX/XX/XXXX, I received a response from Quicken and they stated they are adjusting the closing costs but keeping the escrow account with an estimate of the property taxes included. I responded and asked if RESPA comes into effect because it limits how much settlement costs can be collected. The Quicken rep called me back and explained they don't want us to have an negative escrow account a few years down the line, so it's their policy to collect property taxes based on an estimate. I told the rep that when I purchased a new build home back in XX/XX/XXXX, I ended up being short on escrow and XXXX had me make a payment to catch it up. The Quicken rep basically said it's their policy. I didn't want to delay the closing, so I just let it be and would instead file a complaint with HUD. 

My complaint is Quicken Loans/Rocket Mortgage is basing our escrow account / monthly payment on an estimate. They concluded {$2800.00} would be due in a few years! so they're over charging each month in the mortgage payment, holding it in their own bank accounts ( probably interest bearing account ). Quicken could have easily over inflated the property tax amount to a point where we would not be able to afford the estimated mortgage payment, which would have made us back out of the deal based on an erroneous monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Account Management Resources
State: IA

Complaint narrative:
I have disputed this account with XXXX for more than a year. The account was deleted then placed back on my credit file. My identity was used fraudulently as I stated in the police report sent to XXXX a year ago.

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 2018-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
On XX/XX/2018, The XXXX XXXX XXXX on behalf, XXXX on behalf of XXXX XXXX XXXX   sent me a request of {$5500.00} of credit debt, which I believe was a result of identity theft. 
I have filed the police report and sent the law firm an affidavit describing the situation.

Company response to consumer: Closed with non-monetary relief