vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-24 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: MN

Complaint narrative:
Attached to this complaint is a document showing a list of UNAUTHORIZED inquiries circled in RED ; that are showing on my XXXX  and Equifax credit files that I did not authorize. I am a victim of identity theft, therefore believe these are fraudulent inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 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: TX

Complaint narrative:
Please be advised that not only do I have no knowledge of the trade line XXXX XXXX is reporting on my credit but you are also in violation of the TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. which prohibits a debt collector or credit bureau from engaging in debt collection in Texas unless the debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. I have tried numerous of times to contact this. Attached is a letter from the company.

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 2019-11-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Please be advised that not only do I have no knowledge of the trade line XXXX XXXX is reporting on my credit but you are also in violation of the TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. which prohibits a debt collector or credit bureau from engaging in debt collection in Texas unless the debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. I have tried numerous of times to contact this. Attached is a letter from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please be advised that not only do I have no knowledge of the trade line XXXX XXXXXXXX is reporting on my credit but you are also in violation of the TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. which prohibits a debt collector or credit bureau from engaging in debt collection in Texas unless the debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. I have tried numerous of times to contact this. Attached is a letter from the company.

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 2019-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation
State: PA

Complaint narrative:
I picked the best options to describe my issue. Penn Credit Corporations has reported the same debt on my credit three times, days a part and I feel as though they are personally attacking my credit on purpose. They reported it on XX/XX/19 XX/XX/19 and XX/XX/19 and its all the same bill, yet they reported it purposely 3 times to my credit as if to threaten my credit score. I understand that the bill is mine to pay, but for them to keep posting it in an attacking manner is not right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX DOB XXXX This is the 4th time I have complain over the same issues. There are tons of inaccurate information on my credit report! My name is XXXX XXXX XXXX I would like the other spellings of my name removed. I have a unverified unknown fraudulent account XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX I am not sure who took out these account for business or credit but they are not mine please delete. 
I have issues with miscellaneous unknown addresses on my file I never lived at please delete remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX GA XXXX ALL OF THE ABOVE MENTIONED ADDRESSES ARE NOT MINE!

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 2019-11-24 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: TX

Complaint narrative:
On XX/XX/2019 and XX/XX/2019 file a disputed against Equifax to verify 3 account on my credit reported the accounts being XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, and XXXX  XXXX  # XXXX. I asked simply for these account to verified and that send contract in which my signature was on that I signed would be sent to me as proof of said debt. I was told that the debt verified but their was no proof of documentation sent just a copy of my credit report same these object have been verified. I feel that I am been ignored by the the credit Bureau I have attempted 3 times to get this error corrected. I believe I deserve to have a good credit but the disputing process is not being carried out in a professional manor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX S.S XXXX DOB  XXXX This is the 4th time I have complain over the same issues. There are tons of inaccurate information on my credit report! My name is XXXX XXXX XXXX I would like the other spellings of my name removed. I have a unverified unknown fraudulent account XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX I am not sure who took out these account for business or credit but they are not mine please delete. 
I have issues with miscellaneous unknown addresses on my file I never lived at please delete remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX GA XXXX ALL OF THE ABOVE MENTIONED ADDRESSES ARE NOT MINE!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX S.S XXXX DOB XXXX This is the 4th time I have complain over the same issues. There are tons of inaccurate information on my credit report! My name is XXXX XXXX XXXX I would like the other spellings of my name removed. I have a unverified unknown fraudulent account XXXX-XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX I am not sure who took out these account for business or credit but they are not mine please delete. 
I have issues with miscellaneous unknown addresses on my file I never lived at please delete remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX GA XXXX ALL OF THE ABOVE MENTIONED ADDRESSES ARE NOT MINE!

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 2019-11-24 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Hello, IT has now been over 30 days. And I have not heard from you. 

This is a second notice please see ( Disputed on XXXX XXXX ) The following account is not mine. Please update or remove from my account. Thank you. 
XXXX XXXX XXXX The following Inquiries were not made or authorized by me. Please remove from my credit account. Thank you. 

XXXX XXXX XX/XX/2018 XXXX  XXXX XXXX  XXXX XX/XX/201XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This complaint is about a mistaken identity. 
My loan servicing had been switched to BofA in XXXX and all the time from then on paying my mortgage every month.to Bof A. 

I got a notice in XX/XX/2019 that my payment will go up from {$4400.00} a month to {$7200.00} per month starting XX/XX/2019. 
I called BofA right away about the increase on XX/XX/2019and I got an answer stating that there was a clinch in their system and also because the increase was against the government law. And my payment will be adjusted to less than {$4000.00} a month. 
I was relived by her statement and been waiting for the new statement reflecting the modified reduced monthly payment. 
But instead I received a new statement inXX/XX/2019 stating the same increase of {$7200.00}, I tried using the XX/XX/2019 to pay to pay XXXX payment but paying on the phone using the loan amount info and my SSN no. was telling me the loan no and SSN do not exist. The statement had the Bof A. And customer service accepted my payment was accepted for XX/XX/2019 by BofA with invalid loan no and borrower did not have a mortgage loan in record. I found this mistaken identity after I made my XX/XX/2019. I nytied to gat a nortgage loan officed I now know that there was really a glitch in their system on XX/XX/2019 and never corrected the mistaken identity of the borrowers name and the loan no. I could have done on XX/XX/2019 an action for refinance from BofA and was inform I do not have a mortgage account account all. I asked so many times about 10x why the loan no was stating it is invalid bot I did not get an answer. 

They had lied, deceive and covering up the mishap.

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 2019-11-24 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: AR

Complaint narrative:
Hello, This is a second notice please see ( Disputed on XXXX XXXX ) The following account is not mine. Please update or remove from my account. Thank you. 
XXXX XXXX XXXX The following inquiry was not made or authorized by me. Please remove from my credit account. Thank you. 
XXXX  XXXX XX/XX/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 2019-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OH

Complaint narrative:
My aunt from XXXX was trying to support me here in XX/XX/XXXX USA, when I had bad time, so I dont have to sleep on the street, but can rent a hotel, becuse i had no money at the time. She is an average citizen of XXXX living on pencion, older ladyfor here its lot of money. and for me at the time ... ..she is not some kind of millionare and older lady ... .she send me money money gram {$400.00} and people in XX/XX/XXXX told me that money was send back, she also never received it .... so it was lost .... please help us find it, because I needed right now to recover in the hotel before i get a next job and do something with college ... ..I currently was kicked out of the apartment and dont want to sleep on the street ... that could also happen to the other foreighn students here, there is a lot of fraud around here ....

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 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: TX

Complaint narrative:
On XX/XX/2019 and XX/XX/2019 file a disputed against TransUnion to verify 2 account on my credit reported the accounts being XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, and. I asked simply for these account to verified and that send contract in which my signature was on that I signed would be sent to me as proof of said debt. I was told that the debt verified but their was no proof of documentation sent just a copy of my credit report same these object have been verified. I feel that I am been ignored by the the credit Bureau I have attempted 3 times to get this error corrected. I believe I deserve to have a good credit but the disputing process is not being carried out in a professional manor.

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 2019-11-24 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: MiraMed Revenue Group LLC
State: PA

Complaint narrative:
I HAVE SOME MEDICAL BILLS WHICH I AM UNABLE TO PAY. THEY ARE AS FOLLOWS : XX/XX/19 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, IL XXXX FOR {$1400.00} XXXXXXXX XXXX XXXX XXXX  " ' '' ' '' ' '' ' '' ' '' '' {$150.00} MIRAMED REVENUE GROUP XXXX XXXX XXXX XXXX XXXX IL XXXX {$52.00} XX/XX/19 MIRAMED REVENUE GROUP ' ' ' '' ' '' ' ' '' ' '' ' '' ' '' ' '' ' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' {$330.00} XX/XX/19 MIRAMED REVENUE GROUP '' ' '' '' '' ' '' ' '' ' '' ' '' ' '' '' {$59.00} XX/XX/19 THESE ARE ALL MEDICAL BILLS FOR A BACK PROBLEM WHICH I CAN NOT AFFORD TO PAY. MATTER OF FACT I AM GOING TO HAVE BACK XXXX ( VERY SERIOUS ) IN THE NEXT MONTH.. I AM NOT REFUSING TO PAY THESE BILLS. I JUST CAN NOT PAY THEM NOW. THEY ARE AFFECTING MY CREDIT REPORT VERY BADLY. MY CREDIT SCORE WENT FROM XXXX DOWN TO XXXX DUE TO THESE COLLECTIONS. ON TOP OF THAT I AM GOING TO BE OFF WORK FOR AT LEAST 4 TO 6 WEEKS ACCORDING TO MY SURGEON. IF THESE COMPANIES WOULD TAKE THESE OFF MY CREDIT REPORT, I WILL BE WILLING TO DISCUSS PAYMENT WITH THEM AFTER MY XXXX AND I AM BACK TO WORK. I WAS UNDER THE IMPRESSION IT WAS AGAINST THE LAW TO HOLD MEDICAL BILLS AGAINST YOUR CREDIT. IT IS UNFAIR. ALSO, I HAVE DISPUTED SEVERAL TIMES ON MY REPORTS THEY HAVE MY ADDRESS AS XXXX XXXX ... I HAVE NEVER IN MY LIFE BEEN TO XXXX LET ALONE LIVE THERE, YET IT IS STILL ON MY REPORT. 
THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 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: TX

Complaint narrative:
On XX/XX/2019 and XX/XX/2019 file a disputed against EXPERIAN to verify 2 account on my credit reported the accounts being XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX, and I asked simply for these account to be verified and that they send me the contract in which my signature was on that I signed would be sent to me as proof of said debt. I was told that the debt verified but their was no proof of documentation sent just a copy of my credit report same these object have been verified. I feel that I am been ignored by the the credit Bureau I have attempted 3 times to get this error corrected. I believe I deserve to have a good credit but the disputing process is not being carried out in a professional manor.

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 2019-11-24 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: AR

Complaint narrative:
Hello, This is a second notice please see ( Disputed on XXXX XXXX ) The following account is not mine. Please update or remove from my account. Thank you. 
XXXX XXXX XXXX The following inquiry was not made or authorized by me. Please remove from my credit account. Thank you. 
XXXX  XXXX XX/XX/2018 Disputed on 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 2019-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
In XXXX I purchased a XXXX  XXXX  XXXX. It was financed through GMAC. I paid off the truck in XXXX. I never received a title. I am now trying to sell the vehicle 12 years after I paid it off. I tried to obtain a replacement title and was told I couldnt because I owed XXXX $ on the truck according to Ally auto. Ally auto purchased GMAC from my understanding. I have not once heard anything about owing anything until I tried to obtain a replacement title. I have spoken with a lawyer and filled out a petition to file with the courts. He told me that in Texas the statue of limitations is 4 years or 10 depending on the situation. It has been 12 years since I talked to any finance company about my XXXX  XXXX. I would rather not have to go to court and waste everyones time. They should just mail me the title or release the lien. Also, I feel they should be obligated to follow the laws in Texas. Now they are trying to say its even more money they want before they will release the title. This is against the law I would presume because it has been over 12 years since the truck was paid in full to GMAC. I believe something may have gotten mixed up in paperwork years ago but it till doesnt explain why I have never been contacted about it if I owed any money.

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 2019-11-24 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I purchased the vehicle on XX/XX/2019. The Dealership, The Salesman or The Service Department didnt disclose or put in writing that the crankshaft sensor was defected and faulty and needed repairs. XXXX XXXX XXXX didnt consider my Safety First. On XX/XX/2019 at XXXX miles the vehicle wont crank. It was cold and raining. I didnt drive the vehicle for a week. On XX/XX/2019 I drove the vehicle to church and when I got out of church the vehicle wont crank. I called the Dealership on XX/XX/2019 to inform them that the vehicle wont crank. The Dealership told me to bring it in. You brought the vehicle in on XX/XX/2019 around XXXX XXXX. I asked the Service Department what is the problem because my vehicle wont crank. The Service Department informed me that it was the crankshaft sensor. I asked the Salesman why didnt he disclose or put in writing that the crankshaft sensor was defected and faulty and needed to be repairs before I signed the contract. You sold me a vehicle without disclosing that information. And put my Safety at Risk because the vehicle wont crank and I was stranded. He said that he knew that the crankshaft sensor was defected and faulty and needed repairs. He said that he should have gave us a loaner car. But he never told us about it. I had to found out myself. I called Ally Financial on XXXX at XXXX to inform them about the crankshaft sensor issues and the loan. The representative ( XXXX ) told me that the Dealership has 3 options to give you. 1 ) Canceled the contract because of defect. 2 ) Substitution of Collaleral 3 ) Request for New Contract.

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 2019-11-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I paid my Old Navy Credit Card in full on XX/XX/2019. Normally, the payment only takes around 3-5 days to process. However, it has been 9 days and my payment is still processing. I contacted the company and was told that it could be another 5-6 days before the payment processes. I have never had this issue before and the company will not move forward with releasing my balance and allowing me to use my card. I have heard from several customers who have this card that once your remaining balance is paid in full, the company will cancel your account. This is unfair practice for those of use who can afford to pay off our accounts.

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