vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-16 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: CORELOGIC INC
State: VA

Complaint narrative:
i have hard inquires on my credit report and its not mine i sent they still haven't taken off the XXXX XXXX inquiry thats not mine i would like all the inquiries off my credit report XXXX  and XXXX  i have sent a lot to the XXXX in wisconsin and they are taking off XXXX XXXX XXXX but the inquiry is still on mine please take off all the hard inquiries off my credit report also XXXX XXXX has hard inquires on her credit report that aren't hers XXXX XXXX was fraud and the XXXX took care of that but she has inquiries too that need to come off and XXXX XXXX needs to come off please help us you have done a very good job for us so far please see what you can do to get these off our credit reports

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 2019-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
I have never been a patient or used the services of XXXX XXXX XXXX ( XXXX ) XXXX. However, the company has sent an account that does not belong to me to a collections company named SYNERPRISE CONSULTING. The collection company has since reported to the credit bureau that I have an outstanding debt and it appears on my report as a negative account which is causing a denial of credit. I have contacted both the clinic and collection company demanded to have the account removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XXXX XXXX 2019 I purchased XXXX  made XXXX T-shirts and underwear for {$290.00}. The website used a XXXX name. It turned out the website was in XXXX and when the underwear arrived it was a different brand called XXXX. The t-shirt had written on the front XXXX XXXX XXXX. I did not order any writing on the t-shirt I filed a billing dispute and JP. MORGAN Chase United Explorer Card Chase the card issuer. Chase claims to have conducted a reasonable investigation but could not have. I provided a picture showing the XXXX  tshirt. They could not have really investigated. I was sent cheap underwear instead of high quality underwear. The seller in XXXX refused to accept a return. They just kept saying the shipping dept must have sent the wrong items. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Midland Debt Collectors have called me from multiple phone numbers multiple times a day. They are looking for someone whose name I don't recognize, it's not me nor is it anyone I've heard of. They won't stop calling. When I tell them I don't know the guy and to stop calling they scream at me. No matter how many numbers I block, they call. Saturdays, early morning. I don't owe any money I'm not paying and I want them to stop bothering me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 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: NC

Complaint narrative:
the three credit reporting companies have violated my rights under the FRCA rule for investigating, communicating results and method of verification making them in violation of reporting information that according to the FCRA must be verifiable with the original creditor and any investigation name date and method of verification should be forwarded to myself for further investigation if necessary. I have requested this be looked into three times that last was on XX/XX/2019 and supporting documentation was also sent with the same results

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 2019-03-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC

Complaint narrative:
I am in foreclosure with a sale date XX/XX/2019, the new underwriters who purchased the certificates from other lenders did not complete my disagreements with my previous services who were found to be negligent by CFPB CEO. The damages were not corrected the demands were placed on me as the consumer and reported to the highest banking and court organizations by myself and not resolutions has been resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
The credit card issuer - Capital One - has refused to notify the major credit bureaus regarding the updated status of my account even after the collection agency they retained to collect the debt, notified them that the account balance has been satisfied. The collection agency, XXXX XXXX, responding to a separate complained provided a letter confirming account balance satisfied. 

The credit card issuer has reported an updated comment " In collections/charge off '' which is inaccurate and further negatively impacts my scores. The issuer has submitted this incorrect update, after being notified of receipt of the full balance ( see attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 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: Westlake Services, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I sent a letter to this company requesting removal of their inquiry on my credit report. I have no knowledge of applying for this company. I asked them to please remove the inquiry unless they have my permissible written copy with my hand writing as per the FCRA. This company indicated that it pulled my credit report indirectly. This company is NOT being complaint with the FCRA, they will not remove the inquire after dispute. This is a violation as they did not have my written permission to pull my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MN

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - Emailed the XXXX / XXXX XXXX XXXX XXXX XXXX through their online contact system to inquire as to why they continually underreport my loan payments and qualified non-profit employment for XXXX XXXX XXXX XXXX ( XXXX ) program. Was told they would reply in 70-90 days - never heard back and it is now XX/XX/XXXX. The XXXX continues to say that they've received my request, but never gets back to me to request documents or even say what the status of my XXXX program is. 

Here is the contents of the email ( sent twice ) : I sent the below info to you a week ago and have not heard back. When will you contact me back? This problem has been outstanding for over a year and I need assurances that this will be fixed. Please email me back, or at minimum, acknowledge that you received this communication. It's like sending something into a black hole! 
-- -- My XXXX number of qualifying payments are not calculated correctly. 

For Loan Sequence XXXX/Disbursement Date XXXX, as of XX/XX/XXXX I should have 49 qualifying payments. 
Employer XXXX Employment Date XXXX you list 9 qualifying payments when it should be 24. 
Employer XXXX, Employment Date XXXX the qualifying payments should be 25. 

For Loan Sequence XXXX/Disbursement Date XXXX, as of XX/XX/XXXX I should have 49  qualifying payments. 
Employer XXXX, Employment Date XXXX you list XXXX qualifying payments when it should be 24. 
Employer XXXX, Employment Date XXXX the qualifying payments should be 25. 

For Loan Sequence  XXXX/Disbursement Date XXXX, as of XX/XX/XXXX I should have 49 qualifying payments.

Employer XXXX, Employment Date XXXX you list 9 qualifying payments when it should be 24. 
Employer FXXXX Employment Date XXXX the qualifying payments should be 25. 

For Loan Sequence XXXX/Disbursement Date XXXX, as of XX/XX/XXXX I should have 49 qualifying payments. 
Employer XXXX, Employment Date XXXX you list 9 qualifying payments when it should be 24. 
Employer XXXX, Employment Date XXXX the qualifying payments should be 25. 

For Loan Sequence XXXX/Disbursement Date XXXX, as of XX/XX/XXXX I should have 67 qualifying payments. 
Employer XXXXr, Employment Date XXXX you list 2 qualifying payments when it should be 42. 
Employer XXXX, Employment Date XXXX the qualifying payments should be 25. 

I have the statements from the loan payment programs to support this claim. What is the best way to provide this info to you and get my account updated? I have requested this be done every year, and every year the info is grossly incorrect. Please advise as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Services, Inc.
State: CA

Complaint narrative:
I have received zero notice to collect the debt. NONE. I am homeless and have XXXX children. I have XXXX and XXXX  conditions which have kept me from attaining steady employment since graduation. 
I live in transitional housing and receive welfare. Why would you take a refund from my children??? 
Nothing but a bunch of monsters. I don't live in North Carolina anymore. My family that forced me to get these refunds took them I have XXXX from this abuse. I have no money in my pocket and we needed that money to eat. 
I would have gladly set up payments if I had been given some form of notice. 
I need my refund ( S ) back If they were in contact with me and not my abusers we would have no issues.

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 2019-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The credit card issuer - XXXX XXXX - has refused to notify the major credit bureaus regarding the updated status of my account even after the collection agency they retained to collect the debt, notified them that the account balance has been satisfied. The collection agency, XXXX XXXX, responding to a separate complained provided a letter confirming account balance satisfied. 

The credit card issuer has reported an updated comment " In collections/charge off '' which is inaccurate and further negatively impacts my scores. The issuer has submitted this incorrect update, after being notified of receipt of the full balance ( see attached ).

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 2019-03-16 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: Innovis
State: NC

Complaint narrative:
XXXX XXXX continues to show on my credit reports. I have contacted the 3 major bureaus and XXXX and it continues to show. I closed this account with US military orders in XX/XX/2013 and it shows a balance that was not owed. I currently have an account with them also which makes no sense. Please remove the XXXX negative account from my credit report # XXXX. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have been a customer with td for over 3 years and they are discriminating against my payee account. 

I have funds to cover a line of credit and they denied a XXXX loan even though i can cover the monthly payment sufficiently. 

XXXX XXXX XXXX has also denied a line even though they publish an offer on their site that when you open a XXXX account they will extend you a line of credit. 

They discriminate due to my credit score with the three major reporting agencys.

also the three major agencys falsify documentation on amounts owed to recieve higher returns.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX continues to show on my credit reports. I have contacted the 3 major bureaus and XXXX and it continues to show. I closed this account with XXXX military orders in XX/XX/XXXX and it shows a balance that was not owed. I currently have an account with them also which makes no sense. Please remove the XXXX negative account from my credit report # XXXX. Thank you in advance.

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 2019-03-16 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX continues to show on my credit reports. I have contacted the 3 major bureaus and XXXX and it continues to show. I closed this account with XXXX XXXX orders in XX/XX/2013 and it shows a balance that was not owed. I currently have an account with them also which makes no sense. Please remove the XXXX negative account from my credit report # XXXX. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Colony Brands, Inc.
State: PA

Complaint narrative:
Card issuer received confirmation of payment in full from credit collection agency. Card issuer representatives provided inaccurate/false information re update to provided to credit bureau. Account is paid. It is not " in collections '' as reported by card issuer. 

The card issuer appears to send updates ( " in collections ) to credit bureaus that have negatively impacted my credit file. The updates that reflect negative status are no longer accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Card issuer received confirmation of payment in full from credit collection agency. Card issuer representatives provided inaccurate/false information re update to provided to credit bureau. Account is paid. It is not " in collections '' as reported by card issuer. 

The card issuer appears to send updates ( " in collections ) to credit bureaus that have negatively impacted my credit file. The updates that reflect negative status are no longer accurate.

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 2019-03-16 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: NC

Complaint narrative:
I have tried on various occasions to have information in my report investigated as per the rules and laws of the FCRA. The Credit bureau have failed to and violated my right when it come to reporting information that is verifiable and accurate. They failed to provide me with names date and method of verification which allows them to keep reporting information on my report. An investigation for the purpose of the law and for accuracy needs to be handle with people and not the XXXX XXXX system. That information needs to be forwarded to me for further investigation.My last attempt was on XX/XX/2019 when i sent supporting documentation from original creditor which conflicts how they say investigation was verified.

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 2019-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sa-Vit Enterprises, Inc.
State: NJ

Complaint narrative:
Please be advised I have requested validation { not verification } of an item reported by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA.

Savit Collection Agency did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above-named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

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 2019-03-16 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: ID Analytics, Inc.
State: AZ

Complaint narrative:
Got a letter from XXXX XXXX on XX/XX/19 saying I was denied a auto loan because of a illegal credit reporting company called XXXX XXXX. I know my credit score and this company is playing into the hands of the banks to give false data on consumers.

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 2019-03-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Without any advance notice or any cause, XXXX XXXX XXXX ( " XXXX '' ) ( credit grantor Synchrony Bank Financial ) lowered my credit limit from {$3000.00} to {$2200.00}. 

-I have been paying over the minimum balance for almost 2 years, -I have not been 30 days or more late on payments for the almost 2 years, -There are no returns on the account, and - My credit score has increased with resolving credit decreasing within the last year. 
-I have not been 30 days late on any payments that are reported to the credit bureau for the last 180 days I spoke to XXXX , Account Manager,  and he said that there was nothing that can be done. I have other Synchrony Financial store cards and the credit limit was not reduced with those cards.

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 2019-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: NV

Complaint narrative:
I received a letter dated XX/XX/XXXX/19 from US Bank.The letter stated that they are in the process of closing my account for suspected irregular activity. I did not understand this since I had a positive balance of {$950.00}. The letter also stated that if the account has a positive balance a cashiers check would be sent to me. At the bottom of the letter, it states if I have any questions to please contact the branch where I opened the account. I immediately went to the branch and spoke with the branch manager XXXX XXXX XXXX. She gave the phone number for the fraud dept and was very dismissive of me. I called the fraud dept and they advised me the account would automatically close on XX/XX/XXXX/19 and that if there is a positive balance it would be sent to me in a cashiers check. I waited until XX/XX/XXXX to call again and they stated the the account was closed on XXXX/XXXX and that and that a cashiers check was sent out to me for {$950.00} and I should receive it in 5-10 business days When I did not receive the check I went back to the bank and spoke with XXXX XXXX again who I could see really did not want to speak with me or my husband. She stated that no check was sent out and she has no idea why. I went outside of the bank and callled the 24 hr bank line. I spoke with XXXX who advised me the check was sent out on XX/XX/XXXX19 that I should expect it this week. I am getting a run around from this bank and no seems to know or care where my money is.I called again 4 days ago and they advised me that the check was at the branch office, which XXXX XXXX XXXX denies,

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