vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-16 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: CA

Complaint narrative:
Today   XXXX   XXXX  I spoke with a Transunion Manager by the name of  XXXX   XXXX  about removing a couple of unauthorized inquiries on my credit file. Before I even spoke to him Transunion had a automatic message stating there was a glitch regarding inquiries and if we were affected by the glitch to have the inquiries name and date. Furthermore  XXXX   XXXX  was the manager that answered my call and he said to have inquiries removed I would have to contact the creditor and have them write a letter on my behalf to get the inquiries removed. I stated to him that the inquiries I wanted removed had already been removed and they were readded because of their glitch which is not my fault. He further stated there was no glitch but Transunion has a automatic message stated so. I then went on to ask him how do they investigate inquiries since I have recently disputing these inquiries once again and that same day they came back factual. He stated that they do n't investigate, that once something hit my credit report it 's factual and will remain. I told him that 's not an investigation and that by law if a credit reporting agency such as themselves want to add and remove things that they have to do so in writing within 5 days and they have yet to do so.

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 2017-05-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Innovative Debt Recovery, Inc.
State: AZ

Complaint narrative:
a company name d IDR atte mpted to contact me via postal service, claiming that I owe o ver 1000 dollar s for a debt. The debt they say I owe is to a Credit union in az I believe is called   XXXX   XXXX   XXXX   XXXX  . That credit union attempted to say I owed them money almost a year ago, after I had reported my card missing/stolen just 2 days after opening the account their, and having never even used the card. I had told the credit union to please provide me with at least some/all of any security camera footage of WHEN my card /account had been used., that way both the credit union and myself could prove just if or not it had even been me using the card at all. THEY never provided any footage and kept giving me excuses on why they were denying me that. NOW this IDR says they bought the debt in which was a bogus debt to start. please advise me on how to get them to not try and ruin my credit and harassing me. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 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: TX

Complaint narrative:
I have been battling with this bureau for the last year to get some inaccurate items corrected on my credit report. I have   XXXX   XXXX   XXXX   XXXX   accounts showing on my credit report that shouldn ' t even be there but nonetheless I 've initiated over  XXXX  separate disputes and most recently I simply gave up because this credit bureau wrecks my score when they updated  XXXX  or more of these accounts and reflected it as a Paid  " medical data '' a ccount with the main derogatories reporting as recent as  XXXX  even though supposedly it 's been paid since  XXXX    XXXX  . This has caused a significant drop in m y credit score a nd is preventing me from moving forward on a home loan for my family. I 've attached the document with markers to describe timeline. I feel as if this credit reporting agency allowed for this to happen so they could collect money for creditor reporting and ignored my wishes to remove account. Feels like retaliation and I only wanted the credit bureau to remove the account based on several inaccurate reporting factors and because I never got a full explanation of procedures used to verify the reports. This has caused significant undue stress on my marriage and family because the lender says because of the update from this agency the score dropped and we might lose our house. Please if consumer financial protection can help I would be very grateful. I 'm hoping that the facts can be seen and my rights under the FCRA will be honored.     Thank you,  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 2017-05-16 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: TX

Complaint narrative:
I have been battling with this bureau for the last year to get some inaccurate items corrected on my credit report. I have   XXXX   XXXX   XXXX   XXXX   accounts showing on my credit report that shouldn ' t even be there but nonetheless I 've initiated over  XXXX  separate disputes and most recently I simply gave up because this credit bureau wrecks my score when they updated  XXXX  or more of these accounts and reflected it as a Paid "  medical data ''  account with the main derogatories reporting as recent as  XXXX  even though supposedly it 's been paid since  XXXX    XXXX  . This has caused a significant drop in m y credit score and is preventing me from moving forward on a home loan for m y family. I 've attached the document with markers to describe timeline. I feel as if this credit reporting agency allowed for this to happen so they could collect money for creditor reporting and ignored my wishes to remove account. Feels like retaliation and I only wanted the credit bureau to remove the account based on several inaccurate reporting factors and because I never got a full explanation of procedures used to verify the reports. This has caused significant undue stress on my marriage and family because the lender says because of the update from this agency the score dropped and we might lose our house. Please if consumer financial protection can help I would be very grateful. I 'm hoping that the facts can be seen and my rights under the FCRA will be honored.     Thank you,  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 2017-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
I applied for a mortgage loan with  HSBC  and also I am approved for grant money form  XXXX   XXXX   County.   My closing date was  XXXX / XXXX /  XXXX  , and We did n't close because HSBC Bank could n't finish and send the correct information to  XXXX   XXXX  County. My realtor negotiated and extension, so the new closing date is  XXXX / XXXX /  XXXX  . For that to happened  XXXX   XXXX  County had to receive the documents last Friday  XXXX  they did n't receive it. Today  XXXX   XXXX  County received the documents but they did n't have all the information required, and also HSBC Bank asked for documents that I already sent to them, but I resend them anyway and ask them to hurry up.  XXXX   XXXX   County  need from HSBC a receipt from the appraisal, a correct form  XXXX , a correct form  XXXX , the home insurance amount to be corrected. Also the seller needs a commitment letter form HSBC bank for a new extension for the closing to be file. Please help if I do n't close I will lose my grant money!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
When I was  XXXX   years old  ( 6 years ago ) I signed my first lease for my first apartment. After having my apartment broken into, possessions stolen, and in fear of my safety I made the decision to break my lease, I gave them notice and I even paid the last months rent ( which I was not there for ) thinking that it was settled, but apparently not. They say I owe {$950.00} or some odd amount stated in my lease which I have reviewed my lease and do not see that anywhere, this has put a dent in my credit and the debt collection company is reviewed as terrible. They buy small debts and try to make hundreds of dollars off of them. Please help me! Thank you. The name of the agency comes up as  Natlcrsys on  my credit report. I tried to settle with them for {$250.00} and they claimed they would n't accept anything less than {$640.00}. Which makes no sense and is not fair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 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: CA

Complaint narrative:
Today  XXXX   XXXX  I spoke with a   XXXX    Manager by the name of  XXXX   XXXX  about removing a couple of unauthorized inquiries on my credit file. Before I even spoke to him  XXXX  had a automatic message stating there was a glitch regarding inquiries and if we were affected by the glitch to have the inquiries name and date. Furthermore  XXXX   XXXX  was the manager that answered my call and he said to have inquiries removed I would have to contact the creditor and have them write a letter on my behalf to get the inquiries removed. I stated to him that the inquiries I wanted removed had already been removed and they were readded because of their glitch which is not my fault. He further stated there was no glitch but   XXXX    has a automatic message stated so. I then went on to ask him how do they investigate inquiries since I have recently disputing these inquiries once again and that same day they came back factual. He stated that they do n't investigate, that once something hit my credit report it 's factual and will remain. I told him that 's not an investigation and that by law if a credit reporting agency such as themselves want to add and remove things that they have to do so in writing within 5 days and they have yet to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against CREDENCE RESOURCE MANAGEMENT for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my 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 non-monetary relief
Consumer complaint received 2017-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against  Paramount Recovery  for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been a victim of identity theft, and someone used my information to obtain a Loan through  XXXX  thru on-line and other services like mobile phones. This started in   XXXX   when my information somehow was compromised during a data breach or similar because  XXXX ,   XXXX   XXXX   and  XXXX  all sent out warning letters to me. I travel a lot, and during this time I did n't pay attention to my credit report, and now this is affecting everything in my life. I 've processed what is required of me to mend this problem and get it resolved through the proper channels. It 's been over 30 days and still no resolution from my last set of documents.

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 2017-05-16 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: General Motors Financial Company, Inc.
State: AZ

Complaint narrative:
I have over  XXXX  hard inquiries that I did n't authorize anyone to do on my credit, and they wo n't remove them from my credit report, different dates and companies and many are the same with different dates

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been a victim of identity theft, and someone used my information to obtain a  Loan  through  XXXX  thru on-line and other services like mobile phones. This started in   XXXX   when my information somehow was compromised during a data breach or similar because   XXXX   XXXX   XXXX  , and  XXXX  all sent out warning letters to me. I travel a lot, and during this time I did n't pay attention to my credit report, and now this is affecting everything in my life. I 've processed what is required of me to mend this problem and get it resolved through the proper channels. It 's been over 30 days and still no resolution from my last set of documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been a victim of identity theft, and someone used my information to obtain a Loan through  XXXX  thru on-line and other services like mobile phones. This started in   XXXX   when my information somehow was compromised during a data breach or similar because   XXXX   XXXX   XXXX  , and  XXXX  all sent out warning letters to me. I travel a lot, and during this time I did n't pay attention to my credit report, and now this is affecting everything in my life. I 've processed what is required of me to mend this problem and get it resolved through the proper channels. It has been more than 30 days and still no resolution on my issue.

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 2017-05-16 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: Diversified Consultants, Inc.
State: GA

Complaint narrative:
I have contacted this company on SEVERAL occasions to fix this issue, but I am always either ignored or sent paperwork that has nothing to do with solving my issue directly with this company. They are reporting a collection that is not my account on my credit file. They never contacted me to tell me they were putting this on my report, which according to the FCRA they are supposed to do so within 5 days. Also, they have absolutely NO documentation that this account is mine. I have a very common name, but that 's no excuse for attempting to ruin my credit reputation with potential lenders. I have never had  XXXX , and while communicating with diversified consultants, they 're telling me to discuss this issue with the other company. Well, the other company is not reporting false and illegal information on my report. THEY ARE! I have asked for verification on several occasions, and all that I 'm sent is someone 's bill. I have sent documentation of the phone service that I 've had for 10 years with no gaps in time whatsoever to prove this account is not mine. They were asked to verify this debt by the proper FCRA guidelines, including but not limited to, color photo copies of my signature, license, contract, etc, NONE of which has been provided. This is my LEGAL RIGHT to have this information they claim to have, yet I 've been ignored for months, which obviously means they do not have said information because IT DOESNT EXIST! How can it be justified to attempt to ruin my credit reputation without justification or legal documentation?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I applied for a personal loan with  Wells Fargo  on  XXXX   XXXX ,   XXXX  . I was approved for the full loan amount and the loan officer stated she had to wait on a second approval from her supervisor. On  XXXX   XXXX ,   XXXX   I received a email stating I was denied because of my debt to credit ratio and I would need a cosigner. On  XXXX   XXXX ,   XXXX   I added my husband as a cosigner and once again I received an email stating we were denied, without a explanation, phone call or a follow up procedure. I have tried to contact the loan officer on several occasions, leaving voice mails but yet we have not received a valid response. This is the first time I have been involved in a situation of this magnitude with no transparency on a corporate business level.

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 2017-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Perfection Collection
State: AZ

Complaint narrative:
Perfection Collection in  XXXX  Utah has put a collection notice in  XXXX  of the  XXXX  credit agencies against me, but I 've never received a written notice of debt from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against  National Credit Systems  for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 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: WA

Complaint narrative:
I am a prime example of the worst-case scenario regarding predatory loan disbursement ( on behalf of  XXXX  University  ),  and predatory forbearance/deferment tactics ( on behalf of  XXXX   XXXX  / Navient ).      XXXX  : When I was signing up for my student loans with  XXXX , the financial consultants there did a poor job of helping me get the lowest interest rate loans, and the fewest loans. Furthermore, they did n't do a good job communicating what I was actually being signed up for. By the time I graduated in   XXXX  , I have ~ $  XXXX  student loans ; $  XXXX  of which was at 6 % APR ( DoE loans ), and $  XXXX  of which was  ~10  % ( VBR, private loans ). Many of which are unsubsidized.      XXXX   XXXX   / Navient :  Since   XXXX  , I have encountered financial hardship a couple times. In those times, my  calls to Navient usually r esulted in a forbearance or a deferment. They made it seem like those were the best options for me, despite that fact that it was far from the case. Even though I have payed my loans every month for 5 of the 7 years since   XXXX    ( ~2 years were forbearance/deferment ), the current bala nce EXCEEDS the original principle. I have made no progress in 7 years of repayment.     Conclusion : I feel  XXXX  an d Navient  have employed predatory tactics to ensure that  1 ) I finish school, regardless of the cost of my loans, and 2 ) t o reap the most amount of interest from me after graduation. This is a massive burden that I have had to carry, and will continue to carry, for decades to come. My only hope is that some of it will be forgiven under the pretense that I am the victim of unfair tactics at the hands of a system designed to exploit students.     As a side note, I will soon be filing for bankruptcy as a result of an even worse circumstance where I have ~ $  XXXX  medical debt as a result of an emergency   XXXX    XXXX  I needed to have to survive. Combine these  XXXX  debts, and I 'm   XXXX  . I am filing for bankruptcy soon.

Company response to consumer: Closed with explanation