vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-21 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: CA

Complaint narrative:
Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made XX/XX/XXXX. 
I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX, they could not verify that the information was being reported. 
I request that you initiate a reinvestigation into XXXX XXXXs ( XX/XX/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 fraudulent inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter. 

Very Respectfully, 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 2018-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express currently has a JUDGEMENT against me, but my question ( or complaint ) is that the credit information XXXX social security number, income, employment info, etc ) used to obtain the credit card was my husband 's and NOT mine. As a FULL-TIME CAREGIVER who had not worked outside the home for decades at that point in time, I was happy with my " pay in full '' every month basic Green Card that I'd had for over 20 years when the high pressure American Express sales agent called giving us the sales pitch, catching my husband 's ear with the promises of low interest and free balance transfers. I told them I would NOT qualify as I had NO INCOME and had not had any for since XXXX. They asked how we paid our bills and my husband said " obviously on my income '' and they proceeded to take HIS INFORMATION. But rather than giving HIM a card they upgraded MY CARD including doing BALANCE TRANSFERS from his other credit cards to my card, with an open credit line of {$25000.00} ( for a person with XXXX personal income ). My husband did pay this account for on time for years, but when the recession hit and he lost his business in XXXX I was the one stuck with a debt I HAD TOLD AMERICAN EXPRESS I COULD NOT QUALIFY FOR OR AFFORD right from the get-go. Flash Forward to today : My husband and I are separated ( yes, the debt was the straw that broke the camels back ), and he nor I had the means to pay this account, and American Express would not grant any payment plan options at all, and instead took me ( and me alone ) to Court in XX/XX/XXXX winning a JUDGEMENT against ME. I am now working a part time job earning just a bit above minimum wage, XXXX XXXX XXXX and am struggling to get by, and with the JUDGEMENT also living in fear. Again, this account was given based on my husband 's income, credit, and social security, nothing to do with me, but the debt is mine -- -all mine? My question is -- -is this, was this, LEGAL?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I AM XXXX XXXX AND ABSOLUTELY XXXX XXXX XXXX WHEN OVERSEAS OR WHEN HEADSETS OR WHEN AN INTERNET OR IP MULTI LINE SYSTEM IS USED. I AM FORCED TO YELL. 

RECENTLY, MY CREDIT CARD HAS BEEN CLOSED AND I KNOW FOR A FACT THAT IT IS DUE TO MY XXXX, YET CITI CARD TELLS ME THAT THEY ARE ALLOWED TO CLOSE MY CARD AT ANY TIME AND THAT IT IS ALLOWED AND THY DO NOT HAVE TO GIVE ME A REASON AND NOW BECAUSE I AM XXXX   AND XXXX XXXX XXXX I MUST PUT ALL IN WRITING. 

THEY HAVE TOTALLY DISCRIMINATED AGAINST ME TO THE EXTREEME AS MEDICALLY THIS SHOULD NEVER BE DONE AND CITI CARD HAS BEEN TOLD THEM AND HAS RECEIVED LETTERS FROM MY DOCTORS SAYING THIS ALSO. 

TO CLOSE MY ACCOUNT DUE TO BEING XXXX XXXXXXXX AND NOT WILLING TO ACCOMODATE A XXXX PERSON IS SICK. THAT IS EXACTLY WHAT THEY HAVE DONE TO ME AND HOURS JUST TO GET A PERSON WHO I CAN XXXX AND MORE. 

I AM TOLD OVER AND OVER THAT THAT NO ONE HAS HAND HELD PHONES EXCEPT SUPERVISORS. SEVERAL SUPERVISORS HAVE ALSO REFUSED TO MAKE SURE I CAN XXXX. 

YES, MY CARD WAS CLOSED DUE TO MY XXXX AND I DO KNOW THAT IS TRUE. 

I PAY FAR AHEAD, AND AM ALWAYS ON TIME ALSO, SO IT IS MY XXXX   THAT UPSETS THEM AND NOW THEY THINK THEY HAVE A RIGHT TO CLOSE MY CARD DUE TO NOT WILLING TO ACCOMODATE 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 2018-03-21 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: SLM CORPORATION
State: OR

Complaint narrative:
I attempted to apply for a student loan from Sallie Mae last month on their website and got a denial. I assumed it was due to requiring a cosigner the information. The information was unclear as to actually why I was declined. I asked for a letter. I then attempted to apply with my wife online and also got denied. I was confused by this because I personally have cosigned for my wife as we are both in school at XXXX XXXX University. The second application should not have been an additional hit to my credit as I just applied and I was under the impression that any hit on my credit lasts for 30 days so I was shocked when the credit bureau alerted me about this. 

I tried to contact them several times about this and reached no conclusion as to why I was unable to acquire the loan. I then called in about the loan and I was told that the loan was denied but they did not know why but I was encouraged to do a new application over the phone. I finally took them up on that when I tried to do a cosigned loan with my father. I was then told that my loan was declined and that I or one of my cosigners had a loan in default. As both my wife and I are in school I was shocked about this. I went to all of my student loan providers Sallie Mae ( I cosign for my wife ) and Federal loans they stated that I had no loans in default and if I had any loans in default I would not have been able to receive the aid I currently have. They reiterated that I was eligible and perhaps I need to use another loan provider for my private loans. I am very leery about applying for another student loan until this matter is cleared up. 

I reviewed my credit report which also had no issues about student loan default, I always pay all of my bills on time including my house and car. Both my wife and I contacted both the national and student loan providers all having no issues with all my loans are in school deferred. Talking to the people over the phone they had a problem even finding my information or how to help me try to rectify this issue. 

This is the first time I have ever needed private student loans due to the loss of my gi bill veterans educational benefits expiring after 15 years. After trying everything I could as I a non-traditional student I have no one left to cosign for me even though I can cosign for my wife. I just do not understand this. The loan company Sallie Mae has now hit my credit XXXX times when I expected once. They have no way to evaluate what or why this is happening to me. I feel that there is something seriously wrong but I have nowhere left to turn.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
My federal students loans through Navient have been consolidated and with another provider since last year. They are all showing paid and closed. I have pulled my credit report months back and I have disputed late payments several times with Navient and they have NOT provided me with documentation to prove that the accounts were indeed late. The accounts are definitely old, paid and closed, but still affect my credit score! I have requested validation of late payment reporting and because the information that I have requested has not been granted, I am asking that these accounts please be removed from my credit report. I have XXXX Navient/Dept. of Education accounts reporting on my credit report which is excessive and not to mention detrimental to my credit health. I signed nothing stating that separate individual accounts would be reported on my credit report. I did not take out XXXX loans for college this deceitful, unethical behavior is wrong. These companies are supposed to be helping not hurting! On XX/XX/XXXX and XX/XX/XXXX Navient reported that I was late, this is unlikely.I constantly stayed in forbearance to not have them report to my credit, which I am very upset about because they NEVER offered any other program to assist me when I was in financial difficulty other than forbearance. I need proof of this erroneous reporting. I am requesting all these accounts be removed. Every time I speak with a customer service rep from Navient I get different responses to the accounts some say I was in forbearance or in school deferment and then another would say I was in repayment. The records are incorrect and the system in corrupt. Lastly, some of these accounts reporting are XXXX XXXX XXXX they need to be removed from my credit report. Something needs to be done to protect consumers. If these accounts are not removed, I will be taking legal actions to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: CO

Complaint narrative:
I had a tablet and other devices from XXXX that i returned to them when i stopped using them. I was supposed to recieve a credit for the devises which would lower my final bill but they never applied the credits and then sold it to a collection company. The company won't respond to us asking for the credits on our bill and are attempting to over charge us for an amount that isn't owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-21 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: CA

Complaint narrative:
Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made on XX/XX/XXXX. 
I contacted XXXX XXXX XXXX BAN, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX BAN, they could not verify that the information was being reported. 
I request that you initiate a reinvestigation into XXXX XXXX XXXX BANs ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your reinvestigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA XXXX MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA XXXX MAIL. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within XXXX business days of the completion of the reinvestigation. Thank you for your assistance in this matter. 

Very Respectfully, 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 2018-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
I terminated my XXXX XXXX service XX/XX/2016 due to poor service when the service technician failed to show up during the scheduled time window. The technician rescheduled for the next day, but failed to show up again in the time window and actually tried to access my property, after dark, through a private, gated entrance! I immediately cancelled my service and paid the amount due up to that point according to the customer service representative. This person also confirmed the {$49.00} service fee would not be charged. Since then, I've spoken with XXXX XXXX twice and they confirmed there was a " note '' to remove the service charge, but it never was. The account went to collections with a balance of {$27.00}. I've been contacted by mail and email several times by the collection agency. I've reached out to XXXX XXXX through social media to resolve and they were supposed to zero out the account and remove it from collections. I checked my account online ( still active ) and it still shows a balance of {$27.00}. I downloaded the last statement which shows the balance AND {$49.00} service fee that was never removed. XXXX XXXX actually OWES me {$21.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
The company Diversified consultant has received my account from another collection agency. The company reported the debt to my credit on XX/XX/XXXX and again on XX/XX/XXXX. This company has been reporting the debt to my credit every 30 days. I am asking that the company report to my credit correctly or remove the item.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: HI

Complaint narrative:
Earlier this month, my significant other received an offer from Quicken loans that he was pre-qualified to refinance the loan on the condo we own jointly. I did not receive a similar offer. I am primary on the title, mortgage, and insurance for the condo. 

I contacted Quicken loans for an explanation why the primary owner of the condo ( me ) was not made the offer, but the non-primary was. Over a series of 5 phone calls between XX/XX/XXXX and XX/XX/XXXX, I was told the data was acquired from public records through a third party. When repeatedly asking for the criteria of who receives solicitations, I was denied any actual information, and presented with a ever changing list of possible reasons, none of which were accurate. First it may have ben title info, but I pointed out I am primary on title. Then I was told it may have been mortgage, but I am primary there as well. Then I was told it may be DMV ; I pointed out that my driver 's license is also pointing to this condo address. I was told it may be a credit report ; I told them my credit rating is routinely higher than my boyfriend 's. Then it may be income ; but we have commensurate incomes, with me having the higher income the majority of the last 20 years. 

My understanding from your website is that it is illegal to " discourage you from applying for credit. '' But if lending solicitations are not made to females with equal financial qualifications, isn't that de facto discouragement? 

I have been denied any specific information about why I was not solicited, other than my info was not in the data purchased from the third party. Quicken would provide no specifics of the criteria used for solicitation -- just hypotheticals, none of which account for the disparate treatment. I have also been denied the opportunity to talk with Quicken 's legal department.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Torres Credit Services, Inc.
State: NJ

Complaint narrative:
My credit monitoring services alerted me of a change to my score, upon checking the alerts I found Torres Credit Services claiming I have a {$24.00} balance that is charge off / collection status. I have absolutely no clue what this company is talking about because I tried multiple time contact this agency but no body respond. I does not have any debit of these amount. I had a debit of {$21.00} dollar with with a Real state who name its XXXX XXXX but I already paid ( I has proof from my check account ) From XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE TORRES CREDIT SRV XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Collection {$24.00} XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 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: Conn's, Inc.
State: TX

Complaint narrative:
I have sent XXXX letters telling them to remove these inquires that I did not authorize they have totally refused to do this that the credit reporting agency has to do this. I want verification of that I gave to them to do a Hard Pull on my credit report, if they don't have this verification I want the inquire to be deleted now off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: CO

Complaint narrative:
I have a collection company attempting to collect a debt from me that was the result of identity theft. I never had XXXX as a phone company and yet this company has been relentless in trying to collect a debt thats not mine. Somebody falsified my information and the original company sold the debt to a collection company instead of removing it since it was the result of fraud.

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 2018-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
In XX/XX/XXXX, I had a problem with meeting my payment due date. I called in to have the payment extended to avoid a late charge, as well as late payment on my account and credit agencies. In XX/XX/XXXX, The representative with whom I spoke told me all was set. I asked him, am I not suppose to get a letter to sign and he said no, all is set, my next payment will be in XX/XX/XXXX. In XX/XX/XXXX, I started receiving calls as well as letters that I am pass due. I spoke with the agent and explained that this should not be. 

She read the account history and apparently saw what the first person wrote, then she said will fix the problem and that the calls will stop. She then send me a letter which I fax back to XXXX with my signature attached. 

On Wednesday XX/XX/XXXX, I went on lone to make my XX/XX/XXXX payment and saw that they charged me {$25.00} for late payment fee, as well recorded late payment to my account history and on my credit report. 

I called to have these corrected and was told the manager denied to waive the late payment because I already have one waived. I told them, this is the company error and not mine and it should be off my credit history cleared from this error. 

I then asked to speak with a manager and was told I have to call back and because they are not available. I now have a {$500.00} balance on my account that is 32 days pass due and a fee of {$25.00}, plus late payment report to my credit history. 

I need these to be corrected - the late be removed, my credit history to clear from this late payment note, and the balance remove to have my account in good standing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRSTBANK PUERTO RICO
State: FL

Complaint narrative:
First Bank is trying to charge me a {$20.00} overdraft fee. At no time was my account ever overdrawn. They are trying to say in their system it is showing as overdrawn. I have on an online account and I can prove that my account was never overdrawn. They are trying to make up stuff in their imaginary account. If they are keeping 2 sets of books, that has nothing to do with me. I will only be charged fees for what is fully disclosed and reported to me. Again, at no time was I ever overdrawn and I want my {$20.00} back. Please publish this complaint.

Company response to consumer: Closed with explanation