vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I never applied for credit at XXXX XXXX XXXX XXXX. I am seeing an inquiry on my credit report as well got some deny letter on XX/XX/2018. I called Immediately and spoke to XXXX XXXX from XXXX XXXX XXXX XXXX. He advised that he would have it removed. 
As of today I still see the inquiry on my credit report. I need this off asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
In the previous Complaint number : XXXX - I sent to XXXX I said the following : " Please reach out to the credit bureaus as well as XXXX XXXX to remove 4 people from receiving offers at my address. These 4 below people DO NOT live at my address and are not associated with me or any of my family members in any way. Please remove from getting unsolicited offers from these people specifically for any bank as well as XXXX XXXX. I received 4 pre-qualified offers in the mail for these 4 below people. We do not want to receive these again, please. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' I did never say in any way that I wanted myself to be removed from pre-screened offers ... I said I do not want to receive pre-screened offers for those 4 people specifically. So now theres a separate issue. I myself, XXXX XXXX want to receive pre-screened offers. But i do not want to continue to receive those 4 people information to our address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: LA

Complaint narrative:
I have previously disputed the account in question in which the account along with others were removed. I have disputed this debt with you as well as XXXX XXXX multiple times but it keeps reappearing. The same company keeps adding this debt to my credit report stating that this is my debt. These accounts are being added as new accounts and I have never been to nor do I know of any company by the name of XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX. If you keep records of disputes made through your system, there should also be photos and documentation there as I did not keep all photos because I thought this matter was resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have requested for fraud alert removal and it's still showing on my account and this is affecting my ability to open a bank account. I need the fraud alert removed as soon as possible. and please update my phone number to XXXX thank you.

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 2018-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have requested for fraud alert removal and it's still showing on my account and this is affecting my ability to open a bank account. I need the fraud alert removed as soon as possible. and please update my phone number to XXXX thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX made a hard inquiry on my account with identifying information on XX/XX/2018. 
I contacted the customer service of XXXX XXXX XXXX XXXX immediately to inquire and on XX/XX/2018, I requested the information be removed since I have no prior business relationship with the firm or have not authorized this illegal inquiry or gave my consent to any other third party to act on my behalf. I was instructed to dispute with the credit reporting agency, Transunion. 
I contacted Transunion concerning this issue on XX/XX/2018 and today XX/XX/2018. I stated that the information on my credit report is inaccurate and requested a dispute be opened for the inquiry, however, I was shut down and told that the FCRA does not cover an inquiry even when it's unauthorized. 
I sent an email to XXXX XXXX XXXX and Transunion with an affidavit stating the inquiry was unauthorized and illegal and needs to be corrected.

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 2018-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I never applied for credit at XXXX XXXX XXXX XXXX. I am seeing an inquiry on my credit report as well got some deny letter on XX/XX/2018. I called Immediately and spoke to XXXX XXXX from XXXX XXXX XXXX XXXX. He advised that he would have it removed. 
As of today I still see the inquiry on my credit report. I need this off asap.

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 2018-10-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I never applied for credit at XXXX XXXX XXXX XXXX. I am seeing an inquiry on my credit report as well got some deny letter on XX/XX/2018. I called Immediately and spoke to XXXX XXXX from XXXX XXXX XXXX XXXX. He advised that he would have it removed. 
As of today I still see the inquiry on my credit report. I need this off asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-19 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 — Card was charged for something you did not purchase with the card
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I ordered what I thought was a free credit report from Experian on XX/XX/XXXX.  Their website says, " Get your official Experian Credit Report Plus FICO score for just {$1.00} and at another portion of their site it says, '' Free Credit Report updated every 30 days. '' Today I got my credit card statement and their is a charge for {$21.00} from Experian for a credit report. I called XXXX XXXX, my credit card company and we could not speak to a real person at Experian. They have started a dispute about this with Experian. However, I believe that they are involved in false advertising. I did go back to their website and found a couple of paragraphs about free 30-day trial membership in Experian IdentityWorksSM Premium. To get the credit report I had to give them a lot of personal information and that is how they got what they needed for that membership that I did not sign up for. They just automatically put me in their monthly thing. I would never pay that much money for a credit report as there are many ways to get a free one. If you XXXX " free credit report '' Experian comes up

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 2018-10-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Selene Finance LP
State: FL

Complaint narrative:
XX/XX/XXXX I wrote Selene Finance on the following : Loan # XXXX I closed on this modification XX/XX/XXXX and on my monthly statement one year later, XX/XX/XXXX they billed me {$210.00} for lawyer fees on this modification. My husband made the payment and did not notice this charge. Selene refused my request on phone for refund of this amount. I told them you can't come back one year later and say opps ... my lawyers are charging a fee. Not reasonable. I closed in my name and Selene did not change their records UNTIL XX/XX/XXXX Statement due XX/XX/XXXX. All this time I made the payments to XXXX XXXX name on statements. These people just can't get this modification right. I have to complain all the time. 
My escrow account is all messed up also. Yearly total incorrect. XX/XX/XXXX statement shows {$710.00} with XX/XX/XXXX taxes paid on your behalf segment as {$210.00} - this is contradiction that it was an attorney fee which I paid because they added it to my monthly mortgage statement as due amount in XX/XX/XXXX in amount of {$1100.00} which my husband paid in error. My regular payment is {$900.00}. I sent them a complete breakdown of my escrow account and showed how they were incorrect. They send double monthly statements. 
At modification my payment was suppose to be {$890.00} but due to a escrow shortage it was XXXX. A difference of {$17.00} which they said was going to a shortage. Yet my starting escrow on XX/XX/XXXX was XXXX. Can't get an explanation as to why payment is up and where does the XXXX go. I have all the papers I sent to them. I can fax to you if you want to see the correct figures. They never explain the difference and why they can't get it right. I have to keep calling. 
Breakdown : XX/XX/XXXX Bal XXXX Due XX/XX/XXXX Then Due XXXX Bal XXXX Due XX/XX/XXXX Bal XXXX Then they increased escrow {$290.00} per month up til due XX/XX/XXXX. So XXXX x 12 = {$3500.00} plus the 2 x XXXX = XXXX comes to grand total of {$4000.00}. ; XXXX You take that amount and pay off taxes XXXX and insurance XXXX = {$870.00} balance in escrow. They show {$130.00} on my statement due XX/XX/XXXX Where is my {$730.00} -- -- difference they show and I actually paid???? You won't get a clear response from them. This is not an A RATED mortgage co.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
My XXXX XXXX XXXX credit card do not have a balance of {$230.00}, and XXXX/XXXX XXXX XXXX credit card do not have a balance of {$290.00}. Im disputing the inaccurate balance of both accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I purchased a car from XXXX XXXX XXXX XXXX the finance manager told me I had to have extended warranty to get loan ... .when Capital One Auto Finance called to verify loan info .. they made me aware that I didnt need extended warranty to get loan ... I informed Capital one representative that I didnt want the extended warranty and that the dealership told me I had to have it to get the financing approved. The representative from capital one said I needed to contact the car dealership which I did ..they said they would cancel the extended warranty and that they wouldnt redo paperwork it would just shorten the loan period. I called back Capital one and wxplained to them what finance manager had told me ... Capital one rep didnt act like it was anything to be alerted about ... I was unaware of the this credit of ext warranty not happening in a timely manner .. I feel like capital one knew I didnt want extended warranty at all and they should of contacted the dealership as soon as I made them aware of the situation.. Im not in the loan business and I feel like they took advantage of my ignorance ( I didnt realize I would be paying interest on this amount for something that I told Capital One I never wanted and was deceived into thinking I needed to have for the loan ) capital one told me its not their problem and that I would need to take up with dealer if I wanted the interest and fees rebated .. I feel like the dealership and Capital one are clearly guilty of deceptive practices. The warranty is still not credited to my auto loan. I purchased the car XX/XX/XXXX had to follow up with XXXX XXXX XXXX mult times asked him on XX/XX/XXXX how he sent cancellation form ( email, fax or easy care website because they never received it ) .. finally had confirmation from extended warranty they received on XX/XX/XXXX they explained could take as long approx XX/XX/XXXX for dealership to have check for extended warranty and then would send it to capital one .. all the while Im being charged on that amount for something I never wanted and not even guaranteed a time frame of being credited.. I believe both XXXX XXXX XXXX and Capital One Auto are guilty of unfair, deceptive, predatory lending practices. Please see attached part of email from finance manager asking me to cancel dispute with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX is reporting that I have a collection balance with them for {$90.00} left over on an account that was closed back in XX/XX/2012. I don't remember having this account, but nonetheless I wanted it off of my credit report. So today, I called XXXX XXXX to pay it. I gave them the account number they were reporting, my name, address, ss #, etc ; and they told me that they had no record of the account. So since they do not give me an avenue to resolve this debt, I want them to take it off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX is reporting that I have a collection balance with them for {$90.00} left over on an account that was closed back in XX/XX/2012. I don't remember having this account, but nonetheless I wanted it off of my credit report. So today, I called XXXX XXXX to pay it. I gave them the account number they were reporting, my name, address, ss #, etc ; and they told me that they had no record of the account. So since they do not give me an avenue to resolve this debt, I want them to take it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX is reporting that I have a collection balance with them for {$90.00} left over on an account that was closed back in XX/XX/2012. I don't remember having this account, but nonetheless I wanted it off of my credit report. So today, I called XXXX XXXX to pay it. I gave them the account number they were reporting, my name, address, ss #, etc ; and they told me that they had no record of the account. So since they do not give me an avenue to resolve this debt, I want them to take it off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Greenlink Financial, LLC
State: CA

Complaint narrative:
Hello, I received an advertising mailer to my home sometime around XX/XX/2018 offering a low interest loan which I was interested in to consolidate my credit card debt and pay it off. When I called the number around XX/XX/2018, Mr. XXXX XXXX with XXXX   answered. After discussing a few details he returned my call and said I was not qualified for that program but I was qualified for their debt relief program which sounded okay as they would resolve my debt and I would pay them instead. He made it seem that it would only take a short time and I would benefit from it so I signed up for the program. Unfortunately this was the worst thing I could have ever done as my credit is now destroyed because they advised me to close my long standing accounts and not to make payments. Once I realized this was a huge mistake, it was too late and my credit score is XXXX and has never been worse. In addition, I am now unemployed and this has negatively affected my efforts to not only find a job, or start a business, but to support myself while out of work. Overall, I feel I was duped into this program and the mailer was a bait and switch tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I would like the CFO from Barclays Credit Card dept to contact me. I contacted XXXX XXXX on XX/XX/XXXX between the hrs of XXXX-XXXX card ending with XXXX. Information XXXX XXXX XXXX SS # XXXX. DOB : XX/XX/XXXX. Spoke to 2 different females that same day. First female asked me mult. questions in regards to my needs and service. Told her that I and my family are getting ready for our Annual XXXX XXXX trip. Usually spend $ 7k- $ 10K on each trip. I was thinking of using this card as for the perks and service for the first time. So the first female asked mult. questions to verf, on me and then xfer to another female. The Second female person ask mult. questions again and same questions as well. So it was like the first female rept. did not give a warm xfer and just xfer me with no reason why I was calling. So already first call lack of service from a luxury card. Not saying that I already paid them {$500.00} annually fee from the get go. Also the card has never been activated and first card was used without my permission for under {$100.00} at some XXXX gas station. So already mult errors and not even using the card. 
So the reason for my complaint is that : So the Second female asked purpose for the cc increase : told her vacation she ran my credit report : score XXXX she ask me many questions and for each question she place me on hold for at least 5 mins. Question like why both personal loans : one was for outdoor kitchen and other was for new home design upgrades inside : As of today both loans paid off. took out $ XXXX and paid them off on 6 mths. need proof NP. I will them. So then she ask new XXXX XXXX XXXX cc why : told her my grandmother passed away in XX/XX/XXXX and XXXX honor me 40 % off the {$500.00} suit if i open a new acct. So I did. 

let me let you know CFO : i underwrite loans and let me let you know. 

i have over 100k in credit card that have with 10+ trade lines. 
i have 2 homes paid well $ XXXX in 16 yrs. 
i have credit since XX/XX/XXXX never late ; 24+ yrs. 
i have over 35+ trade-lines with comp credit and way more. 
my annual base is $ XXXX plus $ XXXX annually commission. 
my dti : is way under 10 % my unsecured debt ratio : 11 % low risk v high risk : please let me know. 
key factors : length of time of XXXX : since XX/XX/XXXX. 
since open new acct : too short : why does that matter? 
low balance : no cc has a balance all {$0.00} paid off. 
too many accts with balance show me. please.

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 2018-10-19 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm a victim of identity theft I've sent the identity theft report and the police report to Equifax and to the rest of the credit bureaus. All the creditors have removed the fraudulent accounts but Equifax. I'am extremely upset and disported on how equifax disputes the fraudulent account. I don't understand how a fraudulent accounts are still reaming under my name is beyond my understanding Its been a while that I've been disputing these accounts and I'm extremely distressed I've contacted the creditors and I haven't gotten anywhere My identity was jeopardized. I lost my purse at an event and after that I've realized accounts were oping under my name. These are Not my accounts thyrese are froud. Please i need help remove these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent this company my disputes on XX/XX/XXXX with full details on what accounts were erroneous and I needed to be removed. The account I disputed was linked to somebody whose last name is XXXX who lived in XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX. 
In the dispute, I attached documents to proof that The name and address wasnt mine. I attached my Identity documents as proof of my address and Names which categorically differentiate from the person on the account that was supposed to be mine. 
But to my surprise, this company refused to delete this account even with the overwhelming evidence from my identity documents. For yet another time, this account is not mine and I need deleted immediately : XXXX ACC # XXXX, Date Opened XX/XX/XXXX, Original Balance {$350000.00} Attached here with is the dispute letter I sent this company, my Proof of address where I have been living since then and my Driving License which states my names fully. Any name thats not on my Identity documents is not mine.

Company response to consumer: Closed with non-monetary relief