vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-01 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: Seterus, Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX we went through a mortgage modification on the term ONLY with Seterus, same origination date, same loan number. The loan originated in XX/XX/XXXX and was for an original amount of {$340000.00}. The modification documents reflect that the ORIGINAL balance was {$340000.00}. From XX/XX/XXXX to XX/XX/XXXX this is what was reflected on all three credit bureau reports ( XXXX/XXXX/XXXX ), an  original loan amount of {$340000.00}. As of XX/XX/XXXX Seterus began reporting an original loan balance of {$260000.00} ( the balance at modification ), effectively making it look like we had paid little or nothing toward the principal of the loan and this is impacting our credit scoring for future refinance or other loans. 
In XX/XX/XXXX, I corresponded with Seterus and they refuse to report the data correctly. 
XXXX XXXX servicer guidelines and Consumer Data Industry Association both address the correct Original balance amount is the beginning loan amount not the new modified " starting balance ''. Our credit reports/scoring mentioned that the high balance/original loan amount impacts the score.

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 2019-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My wife and I submitted telephonic requests, on or about XX/XX/XXXX, for our annual credit report from Equifax. The automated message said the reports would be mailed within 15 days. I submitted an online inquiry as to why we had not received our reports and have NOT received a response, of any kind, to this day. 
We have re-submitted our telephonic requests, again today in hopes that we will, eventually, receive what we should have long before this. 
We have inquired, several times, as to why, after many years of receiving these reports online, we can no longer do so. We have no recourse than to submit an online request but over the years we have found that all three of the credit reporting agencies are reluctant to honor the requests. It is really too bad we are held hostage by these entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: DE

Complaint narrative:
The original creditors were predatory loans that I took out for a family member. I was contacted by NCA several times and requested a debt verification letter. The letter was never sent. The representatives contacted me on my home, work, and mobile phone many times per week. After much pressure, I pulled my own credit and saw one account that I recognized and agreed to a payment arrangement for that account. While paying off this account, the representative told me that NCA had another collection account that I needed to set up payment arrangements for. The representative assured me that as long as I made regular payments, the second account would not be reported. I paid BOTH accounts in full only to find out that the date of first delinquency had been reset to the date I actually paid them off ( XX/XX/2018 ). I sent e-mail messages and sent letters through the US Postal service and NCA has not responded. I called and spoke to a representative who told me there was nothing she could do. When I asked her to escalate my case she said that they do not have an escalation process. I disputed the information through all three credit bureaus and NCA has confirmed and updated the accounts with inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I paid a debt to fifth third bank on XX/XX/XXXX 2019 as a part of a previous CFPB complaint. They rejected my payment, sent me collections, and damaged my credit score. I didn't realize this had happened until I received a letter from the collections agency. Fifth Third has refused my money, and it is now impacting my credit reputation due to them filing collections. 

XXXX transaction log of attempted payment : XX/XX/XXXX 2019 Credit Return : Online Transfer XXXX to XXXX # # # # # # XXXX Misc. credit {$290.00} {$4100.00} XX/XX/XXXX2019 Online Transfer XXXX to 5/3 # # # # # # XXXX transaction # : XXXX XX/XX/XXXX {$290.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-01 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 early XX/XX/XXXX I was shopping for a new vehicle. During this process multiple credit pulls were initiated and are now being reported without a permissible purpose of auto financing. I contacted the financial institutions initially on XX/XX/XXXX, when they failed to correct the situation I contacted the bureaus on XX/XX/XXXX. I also made an online dispute to XXXX  on XX/XX/XXXX and in two days they still responded stating that it was verified. They all responded that the inquires were authorized. 

My credit score is being heavily affected because multiple ( predatory lending ) inquiries were initiated for the purpose of personal financing when I was actually shopping for an auto loan. These entries are being reported incorrectly and not one of these credit reporting agencies completed an actual investigation to validate this. 

Trans Union is reporting hard inquiries without a permissible purpose for XXXX  ( XXXX  XXXX XXXX XXXX ) on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX. 

XXXX is reporting hard inquiries without a permissible purpose for XXXX   ( XXXX  XXXX XXXX XXXX ) on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX  XXXX XX/XX/XXXX. 

XXXX  is reporting hard inquiries without a permissible purpose for XXXX ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX. 

All parties involved are fully aware that continuing to report this is a FCRA violation and defamation of my character by portraying me to look as though I'm applying for multiple personal loans from various financial institutions.

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 2019-02-01 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 early XX/XX/XXXXI was shopping for a new vehicle. During this process multiple credit pulls were initiated and are now being reported without a permissible purpose of auto financing. I contacted the financial institutions initially on XX/XX/XXXX, when they failed to correct the situation I contacted the bureaus on XX/XX/XXXX. I also made an online dispute to XXXX on XX/XX/XXXX and in two days they still responded stating that it was verified. They all responded that the inquires were authorized. 

My credit score is being heavily affected because multiple ( predatory lending ) inquiries were initiated for the purpose of personal financing when I was actually shopping for an auto loan. These entries are being reported incorrectly and not one of these credit reporting agencies completed an actual investigation to validate this. 

XXXX XXXX is reporting hard inquiries without a permissible purpose for XXXX ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX. 

XXXX  is reporting hard inquiries without a permissible purpose for XXXX ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX, XXXX   XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX. 

Equifax is reporting hard inquiries without a permissible purpose for XXXX ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX. 

All parties involved are fully aware that continuing to report this is a FCRA violation and defamation of my character by portraying me to look as though I'm applying for multiple personal loans from various financial institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/2019 I was alerted through my credit monitoring programs that my credit score had dropped significantly. When I went to check on the reason I discovered that my {$3000.00} XXXX XXXX XXXX card limit had decreased by {$2300.00} making it only a {$700.00}. This in turn jumped my debt to limit ratio to 97 % ( I owe {$660.00} ) which caused my score to drop over 40pts. I  accessed my online account for the card and saw nothing indicating a change. I opened my statements and saw it was still showing {$3000.00}. When I contacted the card company they said that on XX/XX/2019 they changed the limit and then on XX/XX/XXXX, sent a letter. The claim was that they occasionally receive information from the credit bureaus and then make changes without notifying their customers based on that information. When they were asked to fix the problem, I was informed that I would have to go through a full credit limit increase application allowing them to pull and place an inquiry on my credit report which is now 40pts lower due to their changes so now I won't qualify. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: GA

Complaint narrative:
On XX/XX/2019 an unauthorized with drawl was made from our checking account in the amount of {$3000.00}. On XX/XX/XXXX we became aware of the problem and contacted XXXX XXXX. We were told that the money was electronically transferred to pay a XXXX 's credit card. We do not have a XXXX credit card. 
The bank said they needed a signed letter stating the transaction was unauthorized. The letter was written and mailed return receipt requested. At that time they said an affidavit form was also required and they would put a form in the mail. On the XX/XX/XXXX we called the bank and again was told we needed a signed letter which was written, signed and emailed to their email address. As of that date the required affidavit had still not been received. On XX/XX/XXXX we called again and then were told that the affidavit had not been mailed and they would send it that day. The problem is that there seems to be a 10 day window for them to take action and the affidavit may not be received in time to return it. They did confirm receipt of the emailed, signed notification. Every time we call we seem to get different information. They have frozen the account and we can not even pay our XXXX bills. I have written them another letter explaining in detail everything that has happened. No response. We are a retired couple living on our Social Security and this {$3000.00} represents almost two months income.

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 2019-02-01 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Ascendium Education Group
State: CA

Complaint narrative:
I am a victim of Identity theft and in the past my information was used without my knowledge. I have contacted each credit bureau and requested a copy of my credit report. I have disputed the inaccurate accounts and requested an updated copy of my credit report, I did not give anyone permission to use my personal information so I am requesting these accounts to be removed from my credit. 

XXXX Account # XXXX XX/XX/XXXX XXXX  Account # XXXX XX/XX/XXXX XXXX  Account # XXXX XX/XX/XXXX XXXX Account # XXXX XX/XX/XXXX XXXX XXXX  Account # XXXX $ {$4000.00} XX/XX/XXXX XXXX XXXX Account # XXXX {$5400.00} XX/XX/XXXX XXXX XXXX Account # XXXX {$8500.00} XX/XX/XXXX XXXX XXXX Account # XXXX {$8500.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
security credit service reporting collection debt to my credit XXXX $ and they refused to delete it their phone number is not listed but address as listed is XXXX XXXX XXXX XXXX XXXX MS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I keep receiving calls from this number morning, noon and night, sometimes after midnight. They never leave a message just repeated continous calls. 
This has been going on for almost 2 years now. 
I blocked the number but the calls goes straight to my voice mail.

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 2019-02-01 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: CA

Complaint narrative:
In XX/XX/XXXX we went through a mortgage modification on the term ONLY with XXXX, same origination date, same loan number. The loan originated in XX/XX/XXXX and was for an original amount of {$340000.00}. The modification documents reflect that the ORIGINAL balance was {$340000.00}. From XX/XX/XXXX to XX/XX/XXXX this is what was reflected on all three credit bureau reports ( XXXX/XXXX/Transunion ), an original loan amount of {$340000.00}. As of XX/XX/XXXX XXXX began reporting an original loan balance of {$260000.00} ( the balance at modification ), effectively making it look like we had paid little or nothing toward the principal of the loan and this is impacting our credit scoring for future refinance or other loans. 
In XX/XX/XXXX, I corresponded with XXXX and they refuse to report the data correctly. 
XXXX XXXX servicer guidelines and XXXX XXXX XXXX XXXX both address the correct Original balance amount is the beginning loan amount not the new modified " starting balance ''. Our credit reports/scoring mentioned that the high balance/original loan amount impacts the score.

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 2019-02-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX we went through a mortgage modification on the term ONLY with XXXX, same origination date, same loan number. The loan originated in XX/XX/XXXX and was for an original amount of {$340000.00}. The modification documents reflect that the ORIGINAL balance was {$340000.00}. From XX/XX/XXXX to XX/XX/XXXX this is what was reflected on all three credit bureau reports ( Experian/XXXX/XXXX ), an original loan amount of {$340000.00}. As of XX/XX/XXXX XXXX  began reporting an original loan balance of {$260000.00} ( the balance at modification ), effectively making it look like we had paid little or nothing toward the principal of the loan and this is impacting our credit scoring for future refinance or other loans. 
In XX/XX/XXXX, I corresponded with XXXX and they refuse to report the data correctly. 
XXXX XXXX servicer guidelines and Consumer Data Industry Association both address the correct Original balance amount is the beginning loan amount not the new modified " starting balance ''. Our credit reports/scoring mentioned that the high balance/original loan amount impacts the score.

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 2019-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: FL

Complaint narrative:
The company I'm reporting is XXXX XXXX XXXX XXXX. They report people 's driving history to the auto insurance companies. 

The problem I'm having is that they are reporting an accident I had on XXXX incorrectly. They are reporting it as an " At fault '' accident, when it should have been reported as a " Not at Fault '' accident. 

Sometime during XX/XX/XXXX I discovered the accident was reported as an " At fault '' accident through an insurance agent who was giving me a quote. She explained to me that was the reason why the premiums were so high and recommended that I should contact LexisNexis. On XX/XX/XXXX I wrote them a letter explaining the situation, and sent documentation to show that the accident was not my fault. At that time I was insured by XXXX XXXX, so I provided them with a letter from the insurance company 's Claims Department and the police report. They sent me a letter on XX/XX/XXXX saying they corrected the record. They did not. I am attaching a recent quote from XXXX XXXX XXXX that shows it's still reported as an " At fault '' accident more than two years after they claim they corrected the record. This has cost me hundreds if not thousands of dollards during the past three years for outrageously high insurance premiums. I need your help to finally resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Equitable Acceptance Corp
State: NC

Complaint narrative:
-XXXX XXXX and I signed the submitted Financing Agreement for 48 Months on XX/XX/XXXX. After a brief correspondence I knew all dealings concerning the arrangement would be dealt with by Equitable Acceptance. 
- At no other time was I contacted by XXXX XXXX, only Equitable Acceptance ( resp. known now as XXXX and EA ), and then by  monthly surface mail. 
-Late XX/XX/XXXX I gave EA notification that I was unemployed at the time due to XXXX and doctor 's notice to take a leave of absence for recovery. I knew at the time that XX/XX/XXXX 's payment had to go through because it was short notice, but asked for a 6-month period of grace on further payments. 
-First, I received a repetitive response of staying committed to making the payments, regardless of my ongoing status, then I was put on hold for close to an hour waiting for a " supervisor '' to give me a response of any kind. 
-Finally I was assured that the company will not withdraw from my account until XX/XX/XXXX, at which time I would correspond with them and inform them of my current status. 
-Funds have been withdrawn from my account since XX/XX/XXXX to the tune of {$270.00} ( {$39.00} a month ). I had contacted my financial institution ( XXXX XXXX XXXX ) to put a stoploss on the acct, but was informed they were unable to do so because banking information on the company 's end was not accessible. 
-Since then, I received correspondence by mail as well as by telephone from XXXX XXXX. Their claim was to file with them for recertification, a process which I was not aware of nor considered how important it was concerning my loan status. 
-It was at this point I was looking for a way to cancel this entire process. Not until I had received correspondence from XXXX concerning payment due did I come to realize all of my correspondence and transactions were with a company of reputable or credible standards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WI

Complaint narrative:
XX/XX/XXXX Out of Area call XXXX I answered the phone and got a recording said that said legal action was taken against me and a process server would be coming to my house to serve me with legal papers. Then transferred me to XXXX XXXX. 
Mr. XXXX asked me to identify myself by verifying the last 4 of my SSN, then when I did he said I needed to pay today a bill for an HSBC credit card. I told him I'd never had an HSBC CC and he started yelling at me telling me " Do you expect that the company is just supposed to believe you since you say it isn't yours? Isn't that your SSN number? '' When I told him again I had never had an HSBC card he said then that it was bought by XXXX XXXX and I had paid {$48.00} a month back in XX/XX/XXXX. I again told him that I never had an HSBC card and he started yelling saying " We're done here, we're sending process servers to our house ''! I hung up

Company response to consumer: Closed with explanation