vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-06 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: AZ

Complaint narrative:
In XX/XX/XXXX I purchased three automobiles. Being well aware of how credit works, I specifically instructed each dealership to ONLY pull my credit one time. I did NOT authorize any additional credit inquiries. Without my knowledge each dealership pulled my credit multiple times resulting in my credit score dropping over 100 points. The inquiries I did NOT authorize are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This happened with all three dealers and involve XXXX XXXX, Equifax and XXXX credit bureaus. I wrote letters ( attached ) to all three demanding they show me proof of me authorizing these inquiries which I have the legal right to do via FCRA 609 and 611. They refused my request and stated the inquiries would stay on my credit for two years. They are flaunting the law and I am filing a formal complaint with you to get these inquiries removed immediately. 

If you have any questions, you can contact me directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear Sir/Madam : I would like to request you to do an investigation against the Experian Company, XXXX. XXXX XXXX XXXX, TX, XXXX, US, which has constantly reported my credit score inaccurately, and not paid any due attention to my requests. I had to lose my credit due to its improper and inaccurate reporting of my credit score to XXXX XXXX on XX/XX/XXXX. For example, when I applied for a personal loan to the XXXX XXXX, my loan was denied citing the low credit score XXXX reported by the Experian Company, when my actual score was XXXX as reported by XXXX XXXX ( see the enclosed credit report of the XXXX XXXX  ). Likewise, it reported the even lower score for the XXXX, XXXX XXXX, and others. The company has also failed to correct the inappropriate reporting when I filed a series of disputes against XXXX XXXX Company and XXXX XXXX, which have denied my requests for the disputes. For example, when I disputed with XXXX XXXX Company for the reported amount in XX/XX/XXXX ( XX/XX/XXXX ), they denied my dispute. However, the same company later acknowledged in XX/XX/XXXX ( XX/XX/XXXX ) that there were some undue fees charged to my account ( see the enclosed from XXXX XXXX Company ). 

Thank you, Sincelry, 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 2018-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO RECOVERY is trying to collect on an old debt in the amount of {$1200.00}, that was discharged under Chapter XXXX Bankruptcy in 2012. The original creditor is XXXX XXXX XXXX XXXX and the account is closed. Portfolio Recovery has continuously called and threaten me, and continue to use profane lanuage in its telephone calls to me. I have asked repeatedly that Portfolio Recovery and its agents, representatives stop calling and trying to contact me, to no avail. Portfolio Recovery continue its attempt to collect on a debt that is not owed. Further, I do not have a Consumer Contract/Agreement with Portfolio Recovery and owe them nothing. Portfolio Recovery has damaged my credit by placing this debt with all three credit bureaus and updating stated debt every month in order to further damage my credit. 

Portfolio Recovery does not use account numbers. This account is a duplicate account of its account reported to the three credit bureaus in the amount of {$710.00}, that has also been discharged under  Chapter XXXX Bankruptcy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Direct Recovery Services, LLC
State: LA

Complaint narrative:
Multiple calls looking for a XXXX XXXX who has never lived here or had this phone number. Told that to them, said they would take number off, but I still get their robo call. Most recent call was this a.m. XX/XX/18. Spoke with a male by name of XXXX (? ), Asked not to call again, he did not apologize and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 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: AES/PHEAA
State: MI

Complaint narrative:
Submitted online XX/XX/XXXX, mailed XX/XX/XXXX " Dear Sir or Madam : I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. 

These items by XXXX XXXX ( Account # # : XXXX ) are inaccurate because correspondence was continuously mailed to the wrong address, thus I was unaware of payments being due/delinquent. I am requesting that the items be deleted to correct the information. 

Enclosed are copies of correspondence/bills/letters mailed to the incorrect address, supporting my position. Please reinvestigate these matters and delete the disputed items as soon as possible. '' Responses received XX/XX/XXXX and XX/XX/XXXX that " ... investigation included the review of all relevant account history and documentation ... we determined the information reported is accurate ... .credit adjustment denied ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
Suntrust Mortgage gave me a pre qualification letter for a conventional loan for {$56000.00} so I could buy a home. The loan officer XXXX XXXX told me I had something on my credit report but it wouldn't be a problem. After I have gone under contract he tells me that we can not proceed until it comes off. The thing is on my report is an unpaid balance with XXXX XXXX from several years ago that I was unaware of as I am a customer with them in good standing. I paid the balance and was told it would come off the credit report in about a week. It never came off. Another lender gave me advice and told me to ask the loan officer XXXX to call XXXX  and have them do a Rapid Score Response. I told XXXX and his response was that this is something I am supposed to do. I called XXXX  and they told me the lender should be calling them for this. I am at my wits end. What am I supposed to do to get this loan to go thorough? My real estate agent has had the closing date extended and it is approaching. I don't think it is right that this guy gave me a pre qualification letter if I could not get a loan. Please advise.

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 2018-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have requested all legal/loan documents, since loan inception - XX/XX/XXXX to present - from Navient validating the amounts they are collecting on and reporting on and to date have not received anything. I received one letter from Navient stating they could not provide me anything do to my case being part of a current lawsuit they are facing and it is not a lawsuit I have filed or have been granted participation in from any party.If there is activity involving my records, I expect to be informed and allowed to participate.

Navient provided me reporting that shows activity dated XX/XX/XXXX and XX/XX/XXXX. I want all legal documents supporting that transaction along with all legal documents, from loan inception to present XX/XX/XXXX toXX/XX/XXXX 

I also expect this documentation and request to be given to XXXX XXXX directly and not the canned/call center of the Office of the Advocate that blocks resolve and simply sends out canned responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 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: AZ

Complaint narrative:
In 2017 I purchased three automobiles. Being well aware of how credit works, I specifically instructed each dealership to ONLY pull my credit one time. I did NOT authorize any additional credit inquiries. Without my knowledge each dealership pulled my credit multiple times resulting in my credit score dropping over 100 points. The inquiries I did NOT authorize are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arizona XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This happened with all three dealers and involve Trans Union, XXXX  and XXXX   credit bureaus. I wrote letters ( attached ) to all three demanding they show me proof of me authorizing these inquiries which I have the legal right to do via FCRA 609 and 611. They refused my request and stated the inquiries would stay on my credit for two years. They are flaunting the law and I am filing a formal complaint with you to get these  inquiries removed immediately. 

If you have any questions, you can contact me directly.

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 2018-03-06 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
In 2017 I purchased three automobiles. Being well aware of how credit works, I specifically instructed each dealership to ONLY pull my credit one time. I did NOT authorize any additional credit inquiries. Without my knowledge each dealership pulled my credit multiple times resulting in my credit score dropping over 100 points. The inquiries I did NOT authorize are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arizona XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This happened with all three dealers and involve XXXX XXXX, XXXX  and Experian credit bureaus. I wrote letters ( attached ) to all three demanding they show me proof of me authorizing these inquiries which I have the legal right to do via FCRA 609 and 611. They refused my request and stated the inquiries would stay on my credit for two years. They are flaunting the law and I am filing a formal complaint with you to get these inquiries removed immediately.

If you have any questions, you can contact me directly.

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 2018-03-06 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: NJ

Complaint narrative:
This should go to a Supervisor, not just customer service, tey don't careand wont do anything. 
XXXX  reported derogotory information on my credit file. They charged it off. {$2500.00}, who would order this cheap stuff from XXXX XXXX 
I told them, tie aftertime, I didnt order. They said they have a tracking report. I've asked for two years for copy of the tracking report with my singature. They have not sent " tracking report '' to me but keep insisting that I ordered items # 1.They say items were sent to XXXX XXXX XXXX. XXXX NJ. 
XXXX XXXX XXXX is a auto business. I did not receive or sign for toys. Iasked for tracking of all items ordered and even the ones not paid for. I asked for delivery addresses, all of them. Never received information. I'm XXXX XXXX XXXX. I do not order toys, women clothes, etc. 
# 2. This account was opened from XXXX and they still updating my credit file as of XXXX. 13 years later. Mine or not, it should be off. Deleted! 
# 3. They said account was purchased from another lender. This lender instructed the three major reporting agencies to delete the above reference but someone at XXXX continue to report. They noted that they have no further obligation regarding this acount. I told them to investigate and they deleted the collection. 
( I will mail you the copy of letter ) XXXX will not send tracking, dates of items received or MY signature that I signed for items, as I have requested. 
I have contacted Experian, they stated information accurate, however information unrelated to your dispute has been updated. 
# 4. How can it be accurate, if it is not my account. They say I owed {$1200.00} but now I owe {$2500.00} which was written off. As of XX/XX/XXXX, they noted my credit file again as a collection. This acount is closed, not in collection, ( have copy ) and should have been deleted long ago, But they continue to report. I have wrote letter after letter with no help. Its show recent balance 0, but noted as Collection account which has dropped my credit score by atleast 30 points again this XXXX when they added collection back to my account. 
# 5.XXXX are trying to force me to pay for something I did NOT order! 
If they allowed a cousin, family member, XXXX, wife, son, daughter, X-wife, X- girlfriend, just someone/anyone to accept items in my name, I am not responsible. Iam not a XXXX buyer.I want this removed immediately, I've been trying for years already, so I decided to come to you for help. I talked to an officer, can not get a report from 13 years ago when account was opened. Please delete!

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 2018-03-06 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: I.C. System, Inc.
State: TX

Complaint narrative:
cra violation inaccurate information please remove asap

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 2018-03-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC.
State: AL

Complaint narrative:
Homebridge Financial recently sent me an Escrow Statement in which they astutely projected the expense toXX/XX/XXXX but since they conducted the trial balance in XX/XX/XXXX, omitted theXX/XX/XXXX actual from their calculations.

If this payment had been calculated, I would've had an overage of {$100.00} in the account.

Since the impacted payment would be in XX/XX/XXXX, this continued practice by HFS will always throw a shortage on the escrow. In essence, they are calculating the requirement to 12 months but the actual payments to 11 months. 
This practice is contrary to the rules on escrow and could be impacting thousands of consumers, I have called 3 times already and can not get a straight answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
According to Capital One they said that I have a cease and desist attached to my account ending in XXXX for a balance of XXXX I do not know who put the cease and desist attached to my account but I did not so to me this is fraud tampering with my account I called them to try to settle this account but they said they couldn't talk to me unless I removed the cease and desist off my account and in order to do that they would need to contact me through mail and phone I told them they can contact me through mail but not by phone and they said they couldnt help me unless i give them permission to contact me by phone and mail. I refused but they insisted so I hung up

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CO

Complaint narrative:
I opened an account with US Bank on XX/XX/2018. I wasnt able to switch my payroll to the new bank account until the end of XX/XX/2018 ; however I had to get a check issued from my employer and have direct deposit scheduled into that new bank account from then on. I have been at this place of employment for 4 years. I deposited my check on XX/XX/2018. It showed I had the available funds on XX/XX/XXXX and XX/XX/XXXX. However when I looked at my account on XX/XX/XXXX, it did not show funds avaialable. I contacted US Bank on XX/XX/XXXX customer service and was directed to the fraud department. The fraud department had closed early so I contacted US Bank customer service again. They told me to contact the fraud department in the morning and to work with my local branch. I called the US Bank fraud department on XX/XX/XXXX at XXXX am XXXX time. They told me I needed to work with my local branch as they put the hold on it so that they could verify funds with the other bank. I went to my branch when it opened at XXXX am. The banker indicated that they did not put the hold on and that the fraud department did and there was nothing they could do. They contacted the fraud department and they said it was placed because it was different activity for my account. I had just opened this account and this was my first paycheck to be deposited. They refused to verify funds through the other bank. They said the hold would not be released until XX/XX/XXXX. The check will have already cleared the employers bank by then ; however US Bank refuses to release the funds sooner even if they have already received the funds. This seems excessive and an abuse of their ability. I have no negative claims on my account. I am not sure how they expect people to make deposits if they withhold the funds. The customer service was very unprofessional.

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 2018-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: OK

Complaint narrative:
I was looking through my Credit Score and saw a {$300.00} collection for XXXX, and I currently have one account open through them as well as this is the first time I have ever been with the company. I call them to confirm that my account is in good standing as well as I have one had one account ever and they agreed. I then proceed to contact the collection agency about it and they said that they understand the situation and they would file a dispute as well as stated that they assume it was an error on XXXX part. A week passes by and I contact the collection agency and they tel me We have given the right back to XXXX and that collection is no longer apart of us, and after that call I proceed to contact XXXX and they once again verify through my social security number that I have only opened one account which is the one Im currently in good standing on otherwise it would be impossible for me to have debt owed and still open a 2nd account without paying the original first. I then proceed to dispute the collection on both sides, and with both parties agreeing that it was a mistake with the recorded phone calls I have yet to receive a letter stating that the collection isnt mine and will be taken off. I would like to have both parties communicate and actually follow through on whats stated in phone call logs.

Company response to consumer: Closed with explanation