vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Back On  XXXX !  XXXX ,2017, I Sent Out A Letter To Equifa x Credit Company, As O f Today I Have Not Heard Or Recieved Any Notices From Them. So On  XXXX   XXXX ,2017 I Again Send Out Another One .All I Want Is For Them To Updated all My Information, Which Some Of Is Out Of Dated, My Personal Information, That Needs To Be deleted Is Some Address And Phone Numbers And My Name Which They Are All Wrong..I Did Send Them Proof I Send  XXXX  Document To Proof My Name And Address ..Till This Da y I Have No t Heard From  Them.And Also I See  That They Keep On Adding Negative Report And The Hard Inquierier From Companys That I Don '' t Know. We All Have Rights And Right Now I Feel That This Should Be Investigated .Iam Trying To Fix My Credit And I Hope Your Company Can Clear Up This Issue ..I Do Have Copyed Of The Letters That I SendThem.. Thank You,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have sent letters to all XXXX credit bureaus reporting hard inquiries that I did not authorize. While I did purchase a vehicle back in XXXX of 2016 I should have not been dinged for that many hard inquiries for a one time purchase. I have asked them to remove or provide me with my signature showing authorization was allowed but none of the companies can do this and all XXXX bureaus refuse to remove the unauthorized hard inquires on my 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 explanation
Consumer complaint received 2017-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
FEW ACCOUNTS IS NOT EVEN BELONG TO ME, AND IT STILL SHOWING TO MY CREDIT HISTORY AND THOSE ACCOUNT ARE DAMAGING MY FINANCIAL LIFE

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 2017-06-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: OK

Complaint narrative:
I requested a credit report in  XX/XX/XXXX . At that time I noticed that there were several addresses where I never lived linked to my report. I also found that a delinquent account from the collection service   XXXX   XXXX   for Speedy Cash was listed on my report. I have lived in Oklahoma since   XXXX   and have NEVER used a payday loan service. I disputed the false addresses and   XXXX   XXXX   account. I did get the addresses removed, but have tried for several years to have the negative report from   XXXX   XXXX   removed.
<P/>
I have repeatedly disputed this information on my account and have never received any direct notification from   XXXX   XXXX   until  XX/XX/XXXX . This account does not belong to me.   XXXX   XXXX   has closed this account on my report, however  XXXX  has not done so after repeated disputes.
<P/>
I have tried to find an email contact for   XXXX   XXXX   to contract them without success. I will not call them due to other consumer complaints about threatening phone calls from   XXXX   XXXX  .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
XXXX   XXXX  is charging me an early termination fee plus finance charges for an postpaid wireless account that I never agreed to purchase. My prior employer allowed me to use a company postpaid plan that was serviced by  XXXX .     When I left that employer I took the phone number with me and I switched to a prepaid plan with  XXXX  that I paid in full each month. However,  XXXX  says I owe them an early termination fee for the postpaid plan that I never agreed to purchase.     I hav e sent three le tters to  XXXX  over the  last two  years but they will not return any of my letters. They have sent the matter to their collection agencies who pester me with letters. I want the letters to stop and I want  XXXX  off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
FEW ACCOUNTS IS NOT EVEN BELONG TO ME, AND IT STILL SHOWING TO MY CREDIT HISTORY AND THOSE ACCOUNT ARE DAMAGING MY FINANCIAL LIFE

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 2017-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
FEW ACCOUNTS IS NOT EVEN BELONG TO ME, AND IT STILL SHOWING TO MY CREDIT HISTORY AND THOSE ACCOUNT ARE DAMAGING MY FINANCIAL LIFE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have sent letters to all XXXX credit bureaus reporting hard inquiries that I did not authorize. While I did purchase a vehicle back in XXXX of 2016 I should have not been dinged for that many hard inquiries for a one time purchase. I have asked them to remove or provide me with my signature showing authorization was allowed but none of the companies can do this and all XXXX bureaus refuse to remove the unauthorized hard inquires on my 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 explanation
Consumer complaint received 2017-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have sent letters to all  XXXX  credit bureaus reporting hard inquiries that I did not authorize. While I did purchase a vehicle back in  XXXX  of 2016 I should have not been dinged for that many hard inquiries for a one time purchase. I have asked them to remove or provide me with my signature showing authorization was allowed but none of the companies can do this and all   XXXX   bureaus refuse to remove the unauthorized hard inquires on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I currently have   XXXX   inquires on my credit report that I have not given consent to.
1. On  XX/XX/XXXX    XXXX   XXXX   XXXX     XXXX   XXXX  , Fl.   XXXX   2. On  XX/XX/XXXX and  XX/XX/XXXX  Creditor contact details  XXXX    XXXX   XXXX  , Ca.   XXXX   3. On XX/XX/XXXX    XXXX   XXXX    XXXX , Pa  XXXX  4. On  XX/XX/XXXX    XXXX   XXXX    XXXX , Pa  XXXX  5. On  XX/XX/XXXX    XXXX   XXXX   XXXX    XXXX , Ca  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 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: FL

Complaint narrative:
I currently have  XXXX  inquires on my credit report that I have not given consent to.    1. O n   XX/XX/XXXX    XXXX /  XXXX   XXXX   XXXX      XXXX   XXXX  l , Fl.  XXXX   2.  On   XX/XX/XXXX  a nd   XX/XX/XXXX  Cr editor contact details    XXXX     XXXX   XXXX  , Ca.  XXXX  3.  On   XX/XX/XXXX    XXXX   XXXX    XXXX , Pa   XXXX   4. On  XX/XX/XXXX    XXXX   XXXX    XXXX , Pa  XXXX  5. On  XX/XX/XXXX Certified credit report  XXXX , Ca   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 2017-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have inquiries from Equifax that were unauthorized. Equifax do not want to investigate in to the situation for me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: CA

Complaint narrative:
I purchased  a PayPay de bit card at  XXXX  in  XXXX   XXXX , CA for {$3.00}. The monthly fee for the card was not disclosed on the packaging, and is obfuscated on the PayPal website.     The monthly fee f or a PayPal Prepaid car d is {$4.00}, and that monthly fee can not be avoided. There is no mention of the monthly fee anywhere on the  OEM pac kaging. The only way to get money off of the card is to activate the card. With  in 36 hours of activating the card, a monthly fee of {$4.00} is deducted from the price of the card. Given I paid {$3.00} for the card, the undisclosed monthly fee makes the effective purchase price of the card {$8.00}.
In the PayPal website deceptively obfuscates the monthly fee. While the fee is listed plainly as a transaction called " Debit : Plan F   ee MM/DD/YYYY '' ( e.g. " Debit : Plan Fee   XXXX / XXXX /   2017  ' ' ), t hat transaction does not show up when the user wishes to display only fees.

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 2017-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: American Finance LLC
State: MD

Complaint narrative:
I purchased a  XXXX   XXXX  and the loan company is American Finance LLC. I never received court papers to appear to court, nor have I never seen a bill of sales of the  XXXX  after they repossessed it and sold it.  XXXX   XXXX ,  XXXX  was the first check the garnishment started. On the  XXXX   XXXX ,  XXXX  check the last {$43.00} on the total due on the judgemen t ( {$6700.00} ) according to the court papers my employer gave me when they started the garnishment. Three checks later the garnishment started up again. I called American Finance LLC and the account manager told me I owed {$3000.00} for the post interest. On the court papers it included the post interest of {$940.00}. I had her send me my account ledger and on it my paid interest is {$6800.00}. Two months shy of 2 y ears that I have been paying on this garnishment they keep every cent on interest. The pre and post interest on the court papers add up to {$2000.00} which was add to the {$6700.00} on the total due on judgment stated in the court papers. They continue to garnish my checks so the amount keeps climbing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Enterprise Systems, Inc.
State: NY

Complaint narrative:
I recently had an collection account added to my credit report and I do not have no knowledge of this collection account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/XXXX I initiated an international wire transfer in the amount of {$300.00} through the Chase website. I have cancelled this transfer within 10 minutes of attempting it and received a confirmation on the screen that it was cancelled. However, when I later checked my bank statement, I realized that despite the transfer being cancelled the amount was still charged to my account and never refunded. Moreover, the intended addressee has not received the money either. When I first raised this issue by calling Customer Service, I had to be transferred 2-3 times, was kept on hold for over 40 minutes and finally disconnected. Before being disconnected, I was told that the transfer was indeed cancelled and the money should be returned to me, however, the only department that can do it " is very busy ''. When I called the second time ( on XX/XX/XXXX ), the same happened, whereby I had to speak to 2 different representatives ( the last one named XXXX ), who both confirmed that the bank has made a mistake and the money should be refunded, however, they stated ( after I was kept on hold for over 30 minutes ) that the only department that deals with it is closed at that time and I should call the next day. I requested the bank to handle this internally offline without my involvement and notify me when the refund is done since they already received and confirmed all the necessary information but was told that they are not able to do that unless I am on the phone. I consider this approach to issue resolution a " run-around '' tactic by the bank - the procedure seems to be deliberately structured in a way to inflict the most inconvenience and pain onto the customer without any justifiable reason. If initial information from me, as well as authorization to access my account info has been already provided several times, there should not be any reason for the bank not to resolve it. If it takes them more than 10 minutes to resolve the issue, they should have a process to complete the action offline without keeping the customer on hold for ridiculous stretches of time. The result is my money has been held by the bank for over 2  months now and after spending 1.5 hrs on the phone I have not yet received the refund. I do not have ability to call every day at specific times and stay on hold for a long time because of my work schedule. I request that the bank resolves this matter asap and notifies me when it 's done. Thank you for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: ACS Education Services
State: NV

Complaint narrative:
I am submitting this on behalf of my husband, and his student loan. XXXX has been XXXX since XXXX, 2015. He is XXXX years old. We are NOT sure when he will be released, but we do know that we will only have XXXX XXXX as our income. When XXXX worked he was the owner of a company that provided XXXX XXXX for XXXX XXXX. He XXXX XXXX XXXX XXXX into XXXX. At one time, he was one of only 37 people who could XXXX XXXX XXXX XXXX. He provided a very important service which allowed many students an opportunity for a XXXX XXXX. What are the options since our combined income will be less than half of what it was? Recently, I have submitted paperwork for the loan to be in forbearance, but I do n't think that can go on much longer. Please let me know our options. NOTE : I am NOT listed on the loan, but I do have Power of Attorney to handle all of XXXX 's accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 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: HYUNDAI CAPITAL AMERICA
State: MD

Complaint narrative:
I have filed a dispute with the Cfpb in regards to Kia motors falsely reporting lates on my credit report and then they remove it after reviewing my payments and then they report other payments late this is an ongoing cycle with them. this is the 3rd time this has happened and when I called Kia motors this time they say that they have gotten new payment system but I am still having the same issue. I reviewed my account history and they agree that no payments were made late but yet they just reported 3 payments as late that had been reported as current. This is becoming quite ridiculous and something needs to be done if they ca n't report accurate information. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX are now reporting late but were previously reported as on time. I have not made the payments late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 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: AES/PHEAA
State: GA

Complaint narrative:
FedLoan Servicing is reporting inaccurate information on my credit report and I am requesting the " original signed contracts '' for the loans that FedLoan Servicing is reporting on my credit report. If FedLoan Servicing can not provide that information, please remove all negative reportings from my credit report. I sent a certified letter to FedLoan Servicing in regards to this issue but have yet to receive a response.
FedLoan Servicing XXXX XXXX XXXX XXXX, PA XXXX  This letter is to inform you that I recently received a copy of my credit report and after reviewing it I found an item on the report that is inaccurate. The account in question is listed below. Please send me copies of the documents ( " Original Signed Documents '' ) that you have in your files as of this date that you used to verify the accuracy of the account listed below.
<P/>
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting to the Credit Bureaus. Please dont respond to my request by saying that the account is accurate and have been verified. Send me copies ( " Original Signed Documents '' ) that you have in your files that were used to verify the reported item. If you do not have any documentation in your files to verify the accuracy of this disputed account then please remove any negative reportings from my credit report immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By reporting this inaccurate and unverified item on my credit report and you are damaging my reputation and credit worthiness.
<P/>
Under the FCRA 15 U.S.C. 1681i, Unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for this account listed below within 30 days of receipt of this letter then you must remove this account from my credit report.
<P/>
I demand the following account be properly verified or removed immediately.
<P/>
NameofAccount : Date Reported : ProvidePhysicalProofofVerification : FedLoan Servicing {$46000.00} XXXX XXXX, 2011 Unverified Account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Since I submitted the original complaint  XXXX , the egregious error have tripled with over {$170000.00} of credit removed from my report. Below is the letter sent to Equifax in great detail.
<P/>
I am a authorized user on several of my husbands accounts. During the month of  XXXX , Equifax has removed every account that I am a authorized user. Before the month of  XXXX , Equifax reported all authorized accounts correctly. My accounts are being correctly reported on   XXXX   and   XXXX   XXXX  .
<P/>
In an effort to correct this error with Equifax, I called several times over the last couple of weeks and spoke to numerous people at Equifax. I was advised that I should call the creditors to ensure that they were reporting me as an authorize user. In the 20 hours on the phone with Equifax some representatives were unwilling to listen or help. I called EVERY creditor impacted and they assured me that I was being reported to all   XXXX   bureaus every month.  XXXX  and   XXXX   sent mid month updates which was reflected on my husbands credit report but not on mine. The accounts that were removed on my credit report for the month of   XXXX   are :   XXXX   XXXX   XXXX   Credit Limit   XXXX      XXXX   XXXX   XXXX  . Credit Limit  XXXX    XXXX   XXXX  . Credit Limit  XXXX    XXXX   XXXX   Credit Limit  XXXX    XXXX   XXXX   Credit Limit  XXXX    XXXX   XXXX   XXXX   Credit Limit  XXXX    XXXX   XXXX   XXXX   Credit Limit.  XXXX    XXXX   XXXX   XXXX   Credit Limit  XXXX   XXXX  Credit Limit  XXXX    XXXX   XXXX   XXXX   XXXX  . Credit Limit   XXXX    XXXX . Credit Limit  XXXX    XXXX   XXXX   Credit Limit   XXXX   In total Equifax has removed {$170000.00} of credit from my credit report. This has negatively impacted my credit by reducing my credit score and increasing my utilization. Something is definitely wrong when at least 12 creditors who are reporting accurately and Equifax is the only bureau not capturing the data correctly. This has impacted my ability to apply for credit for a car I am purchasing. I live in  XXXX  Georgia and many lenders pull credit with Equifax since we are both located here.
<P/>
Your immediate attention is needed to resolve this horrendous error made by Equifax. I have been unable to dispute this issue via your system because the accounts are no longer appearing on my report and you can only dispute credit that appears on the credit report.

Company response to consumer: Closed with explanation