vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-03 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: EQUIFAX, INC.
State: WY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services, LLC. 
XXXX XXXX XXXX. XXXX, GA XXXX XXXX RE :  Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/2019 and I noticed an unauthorized credit inquiry had been made. 
I contacted XXXX/XXXXXXXX XXXX XXXX XXXX  XXXX, FL XXXX ( XXXX ) XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXXXXXX XXXX   XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The items below were taken from my Experian personal information page of their website. The phone number is no longer valid for me I no longer live on XXXX, I have lived at my current address for over 20 years. I have attempted to call Experian and get this corrected but after trying 5 or 6 different phone numbers was unable to get ahold of a human being on the phone all computer that led back to the same messages. My complaint is no access to a customer service rep. and no way that I found to get to one. 

" Also known as XXXX  XXXX Generation identifier N/A Year of birth XXXX Address XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX Employer ( s )  RETIRED XXXX XXXX Personal statements ( s ) 27 &  XX/XX/XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT [ XXXX ]. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING 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 non-monetary relief
Consumer complaint received 2019-11-03 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: SYNCHRONY FINANCIAL
State: WY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX XXXX   XXXX XXXX, XXXX. 
XXXX XXXX XXXX. XXXX, GA XXXX XXXX RE :  Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/2019 and I noticed an unauthorized credit inquiry had been made. 
I contacted SYNCB/LOWE 'S XXXXXXXX XXXX XXXXXXXX, FL XXXX ( XXXX ) XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into SYNCB/LOWE 'S XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter, 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 non-monetary relief
Consumer complaint received 2019-11-03 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: Westlake Services, LLC
State: TX

Complaint narrative:
A few ago I was a victim of identity theft and I was checking my credit report and seen that I have a charge with a West Lake Financial Service from a auto loan. I have never heard if this company, and also filed an identity theft dispute, and also called Westlake but they were rude and hung up on me several times as well as cussing and being  very rude. I still have it reporting on my XXXX credit report and I will like it deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
ON XXXX XXXX I REQUEST TO 3 CREDIT BUREAU investigation regarding inaccurate/erroneous, On XXXX XXXX agency sent a letter stating that you had completed your investigation and the items were not deleted, This concerns me as I do not understand how they arrived at this conclusion since this information is indeed incorrect, This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by their agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on XX/XX/2019 AND XX/XX/2019. 
I ask the credit bureau for their investigation of my dispute. I tell them reply within 15 days or delete the negative items, as originally requested. on XX/XX/2019 I send them a letter very similar and I just received 1 responds by Transunion, ( see Copy ) and no responds by XXXX and XXXX, I have evidence by court they don't report any information to credit bureau, I request an investigation on this matter or I will have to take legal process on this situation against the credit bureaus. Thanks 1. Bankruptcy # XXXX 2. Bankruptcy # XXXX 3. CREDIT CARD CHARGEOFF # 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 2019-11-03 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
ON XX/XX/2019 I REQUEST TO 3 CREDIT BUREAU investigation regarding inaccurate/erroneous, On XX/XX/2019 agency sent a letter stating that you had completed your investigation and the items were not deleted, This concerns me as I do not understand how they arrived at this conclusion since this information is indeed incorrect, This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by their agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on XX/XX/2019 AND XX/XX/2019. 
I ask the credit bureau for their investigation of my dispute. I tell them reply within 15 days or delete the negative items, as originally requested. on XX/XX/2019 I send them a letter very similar and I just received 1 responds by XXXX, ( see Copy ) and no responds by XXXX  and Experian, I have evidence by court they don't report any information to credit bureau, I request an investigation on this matter or I will have to take legal process on this situation against the credit bureaus. Thanks 1. Bankruptcy # XXXX 2. Bankruptcy # XXXX 3XXXX CREDIT CARD CHARGEOFF # 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 2019-11-03 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: WY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX TransUnion. Consumer Solutions. 
XXXX. XXXX XXXX. XXXX, PA XXXX. 
XX/XX/2019RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on and I noticed an unauthorized credit inquiry had been made. 
I contacted XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX/XXXX XXXX   XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXXinquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter, 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 2019-11-03 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: Navient Solutions, LLC.

Complaint narrative:
I feel that I am possibly being cheated by my private student loan lenders, Navient and XXXX XXXX XXXX. I have 5 student loans with Navient from my XXXX and XXXX  degrees. The total amount I took out with the company was {$87000.00}, and I have so far paid back {$48000.00}, but I currently owe {$130000.00}. I have 2 student loans with XXXX XXXX XXXX from my XXXX degree. The total amount I took out with the company was {$40000.00}, and I have so far paid back {$28000.00}, and I currently owe {$38000.00}. 

I have never been late on any of my payments, and I have tried to negotiate with Navient to help me make the monthly payments, but they just keep suggesting that I extend the lifetime of the loans and remain on interest only payments. I also believe that the interest rates on at least 3 of the Navient loans are excessive and possibly illegal in my home state of Pennsylvania, where the legal rate of interest is 6 %. The three loans I am concerned about have interest rates of 9.63 %, 10.88 %, and 11.63 %. Finally, another key issue of concern is the fact that I never took out loans with Navient, but with Sallie Mae and they sold them to Navient without my permission. Attached, please find a summary of information related to each of the individual loans. 

I should note that I was in full time education from XX/XX/XXXX- XX/XX/XXXXat  XXXX University ( XXXX XXXX XXXX ), XX/XX/XXXX-XX/XX/XXXXat University XXXX XXXX ( XXXX XXXX ), XX/XX/XXXX-XX/XX/XXXXat  University XXXX XXXX ( XXXX XXXX ) and XX/XX/XXXX-XX/XX/XXXXat University XXXX XXXX ( XXXX  ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: WV

Complaint narrative:
I received a notification on my XXXX account that I had a debt owed to Common Wealth Financial for XXXX dollars. This debt is showing an alert date of XX/XX/XXXX. I do not go to Pennsylvania and have no clue why I would have any debt coming from there.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
A few ago I was a victim of identity theft and I was checking my credit report and seen that I have a charge with a XXXX XXXX XXXX XXXX from a auto loan. I have never heard if this company, and also filed an identity theft dispute, and also called XXXX but they were rude and hung up on me several times as well as cussing and being very rude. I still have it reporting on my Equifax credit report and I will like it deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 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: GA

Complaint narrative:
In XX/XX/2015 I hired a contractor to perform a very small ( 3-4 hour ) job at one of my rental homes. I met the workers in the late morning and let them in the home. Several days later, I contacted the contractor to arrange payment and was told that they were finishing up the work at that very moment. I told them that was impossible because my job only supposed to take one afternoon. I was told that additional work beyond what I had requested was performed. I told them that no additional work was requested or approved. I was told that the company owner would contact me to discuss. In spite of calling him several times and leaving messages, to date, I have never heard directly from him. Eventually, I received a bill for approximately {$2500.00} more than the job should've cost based on information gathered from other contractors. Upon reviewing the documents included in the bill, I discovered that the contractor claimed to have performed much more work than they were hired to do. They justified all of this extra work by presenting work orders signed by my tenant. I asked my tenant about this and he said that the contractor told him that I had requested this work and that it was ok for him to sign for me. Of course, this was not true. In fact, I never signed anything related to this job whatsoever. The contractor 's documents even attempt to assert that the job was related to an insurance claim with XXXX XXXX XXXX XXXX. I have never insured this property with XXXX XXXX and the original job I requested was in no way related to any insurance claim. I sent a check to the contractor in the amount that his competitors indicated they would've charged. The contractor refused to accept my check as payment and eventually turned me over to collections. Upon hearing from the collection agency, I referred them to my attorney and have heard nothing more from them. In XX/XX/2015 this collection showed up on my credit report. I contacted Equifax and disputed it. I provided all of the various documentation clearly showing the signature of my tenant on the work orders. I explained the entire situation and that obviously, my tenants are never authorized to obligate me to pay for work performed by contractors. Equifax responded by allowing the collection to show up on my credit report in spite of clear and overwhelming evidence of fraud committed by the contractor. It seems clear to me that Equifax is catering to the entities that pay them rather than the ordinary consumer that is harmed by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
PLEASE REMOVE ALL FRAUD ALERTS FROM MY CREDIT FILE. 

ALSO, PLEASE UPDATE MY CURRENT EMPLOYER : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc.
State: FL

Complaint narrative:
XX/XX/XXXXaccount was closed due to lack of services from XXXX XXXX. I had no reception even when it was not raining. They were never able to correct the problem. I closed the account but they charged me for closing the account. My monthly payments were always paid even though I never had acceptable TV service. I am disputing this closing fee since I had to get service from another company because XXXX could not provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Sir, I will try to be brief, My wife and I applied on line for the quicksilver capital1 visa credit card, the on line advertisement stated, spend {$500.00} or more on purchases, receive {$150.00} cash back. We spent {$620.00}. When my credit card statement came, I called to redeem my cash back bonus, they told me that the rules have changed, and you were no longer entitled to the {$150.00} cash back bonus. 
To me this is consumer fraud, we were so mad, that we cancelled the card, but I still owe them the {$620.00}. 
They lied and deceived us, what can I do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-03 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
My XXXX is the primary loan borrower and I am the co-signer. I and my XXXX in XXXX had tried to work with Navient/Sallie Mae to repay this loan, however, they are not willing to work with her in a reasonable payment plan for her budget. I did make interest only payments when she could not pay in previous years but I became permanently XXXX in XXXX and on Social security so I can not afford to pay any payments. I will never be able to work again and will be on XXXX for the rest of my life. I asked to be released from the loan due to my XXXX. They told me, the co-signer, that I can not be taken off the loan for permanently being XXXX but if the primary borrower became XXXX they would take her off. Then in XXXX - I, the co-signer, received a letter from Navient stating that if I paid {$10000.00} dollars they would take me off the loans. I am lucky if I have {$100.00} dollars in savings so where would I get {$10000.00}. 

I have always paid my bills and had excellent credit - now my credit is ruined and I am getting collections agencies hassling me for full payment or a judgement will be brought against me. 

Is there anything that can be done to help me & my XXXX? PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2019 I was offered a free skin care product and taken to a chair and the person applied product to my face. They told me the cost and I said no and began to walk away. They stopped me asked if I had credit cards I pulled out my wallet and before I knew it the were grabbing my cards and took 3 cards and started calling the cards and maxed out 2 of them. One for aprox XXXX and one for XXXX. The phones they were using were spewing out tiny receipts like you would get at a connivence store. The receipts were never signed by me and they threw a few boxes of their skin care products in a bag and hustled me out of the store. I was flying home to California the next morning and did not even look at the bag until I got home. I was shocked to see the charges, notified my banks immediately and sent back the products. My XXXX XXXX is investigating this, while the Bank of America said they were going to investigate it I quickly received a letter from them denying my claim and said I was responsible for the money. I sent faxes, called daily, found new evidence daily concerning this fraud of a company and am in the process of filing charges against them with the XXXX police dept. they have an f rating on the XXXX  and all complaints were similar to mine. I have copies of everything, sent the to BofA and they said sort it is your fault. I asked why is it I buy something T an XXXX XXXX and before I get home there is a message from you about a fraud alert. Why did you not notify me right away when one company XXXX XXXX XXXX called you five times requesting outrageous amounts of money was there no alert. They said sorry I asked to speak to supervisor he told me exactly the same thing and when I asked for his last name and email address he told he could not tell me that. Case closed. They were very rude and robotic in all their answers to my questions. The did no investigation as XXXX XXXX is diligently working with me and reading all faces and emails. Bank of America would rather pay this fraudulent company than their customers who have been with them for 40 years and spent hundreds of thousands dollars at their bank. Of course I am closing my account but I want to take responsibility for not backing their customer at all. They make you make over an hour to talk to anyones d will not talk about it in their banks. Everyone I have told this story to has had similar experiences with them and all they they HATE Bank of America

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 2019-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
PLEASE REMOVE ALL FRAUD ALERTS FROM MY CREDIT FILE. 

ALSO, PLEASE UPDATE MY CURRENT EMPLOYER : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
PLEASE REMOVE ALL FRAUD ALERTS FROM MY CREDIT FILE. 

ALSO, PLEASE UPDATE MY CURRENT EMPLOYER : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation