vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-15 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: CA

Complaint narrative:
By end of last year, i noticed an inquery on my equifax reported by XXXX/XXXX  Dated : XX/XX/XXXX. 

I have not known or applied for any of the cards from them, so I initiated a dispute with equifax on XX/XX/XXXX. Then they directed me to the reporter. I also called the reporter, and their agent told me he can not find any records based on my ssn, and gave me instructions to fax in a request the have it removed. 

So, I sent two letters to the reporter through fax to XXXX both on XX/XX/XXXX and XX/XX/XXXX. However, I have not received any response since then. 

The unauthorized inquiry is remaining on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA

Complaint narrative:
This institution ( University XXXX XXXX - XXXX XXXX ) failed to fulfill its most basic obligations as a student loan servicer. Furthermore, its shortcomings were echoed in the experiences I've had with its contracted debt collection agency ( XXXX XXXX XXXX. ), as well as its loan servicer ( Heartland ECSI ). Collectively, these three entities deprived me of basic borrower 's rights, neglected their creditor obligations to me, provided me conflicting & misleading information to me, and habitually resorted to shifting blame amongst one another. 

Violations by XXXX ( and the aforementioned, on XXXX 's behalf ) include : 1 ) After multiple requests to XXXX, XXXX XXXX , & Heartland ECSI, all three entities refuse to provide a signed copy of my Federal Perkins Loan Rehabilitation Agreement. The  agreement states that I am entitled to a signed copy, but my requests for documentation have been rejected or ignored. 

2 ) Failure to maintain adequate payment records. There are inexplicable discrepancies between the dates payments were made to XXXX XXXX, and the reported payment dates on record with Heartland ECSI. When addressing this issue with both entities, I was told that this was due to the respective monthly reporting cycles for each entity. I find it preposterous that the reported payment dates can not be retroactively corrected, especially if I am to be charged interest for the discrepant days. Additionally, XXXX shows that a portion of all payments had been allocated to interest, whereas Heartland ECSI 's records show that interest allocations were made quarterly. I was not provided an adequate explanation to this day, and don't know which to reference while figuring the student loan interest deduction for my taxes. 

3 ) I was informed that upon successfully rehabilitating my loan, per our Federal Perkins Loan Rehabilitation Agreement, XXXX would instruct credit bureaus to remove records of previous default & late payments from my credit history. My final payment, which marks the successful rehabilitation of this loan, was made on XX/XX/2020. I requested an updated credit report from XXXX  on XX/XX/2020, which still shows both the previous default & late payments for this account. 

4 ) Prior to initiating the rehabilitation agreement, a XXXX representative informed me that successfully rehabilitating this loan would reinstate benefits entitled via the original promissory note, including a waiver of collection fees. This statement was made via email correspondence, and I am able to furnish the email log upon request. This promise was one of the explicit reasons I agreed to rehabilitate this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 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: COOLEY ENTERPRISES INC
State: TX

Complaint narrative:
got the car XX/XX/2018 returned the car.contacted company car had been sold .the balance on the car is still a high bal with the account closed .my reported balace is XXXX.but the high bal is is at XXXX although the car has been sold.

Company response to consumer: Untimely response
Consumer complaint received 2020-03-15 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: NY

Complaint narrative:
I was recently denied a lease for an apartment I'm assuming for the following reason. 

Experian is currently reporting : XXXX/XXXX  XXXX  XXXX  account number # XXXX : Currently reports inaccurate balance or credit limit ; a violation ; as a result the entire account must be deleted immediately. 

: Currently reports a monthly payment amount after account has been closed. A violation : as a result the entire account must be deleted at once.

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 2020-03-15 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: NY

Complaint narrative:
I was recently denied a lease for an apartment I'm assuming for the following reason. 

XXXX  is currently reporting : XXXX/XXXX XXXX XXXX account number # XXXX : Currently reports inaccurate balance or credit limit ; a violation ; as a result the entire account must be deleted immediately. 

: Currently reports a monthly payment amount after account has been closed. A violation : as a result the entire account must be deleted at once.

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 2020-03-15 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: NY

Complaint narrative:
I was recently denied a lease for an apartment I'm assuming for the following reason. 

XXXX  is currently reporting : XXXX/XXXX XXXX XXXX account number # XXXX : Currently reports inaccurate balance or credit limit ; a violation ; as a result the entire account must be deleted immediately. 

: Currently reports a monthly payment amount after account has been closed. A violation : as a result the entire account must be deleted at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion in reporting to my credit file to note my consumer statement and dispute against XXXX  Card Servicer to XXXX XXXX   XXXX, XXXX, accounts numbers XXXX and XXXX, for violating Federal Laws : 15 U.S.C. 1642, 15 U.S.C. 1637 ( a ), 15 U.S.C. 1637 ( b ) and Hide the Securitization Requirements.

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 2020-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc.
State: NJ

Complaint narrative:
i received a credit alert on XX/XX/10 from a company call ONLINE COLLECTIONS. after receiving the alert i immediately contact the credit collector and after speaking with the company i verified the information and PAID the balance. 

I was Never sent a 30 day notice in the mail of the debt, since i was not aware of the debt, and the collection agency did not properly notified me my credit went from a XXXX score to XXXX score. 

That is not fair. 

after looking online for this company there are over 80 complaint of this practice of not noticing the person of the debt and ruining people credits.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Management Control, Inc.
State: WI

Complaint narrative:
I have not received any bill in the mail or a phone call or email from XXXX XXXX XXXX XXXX regarding any debt whatsoever. I have received suspicious phone calls from various numbers that I assumed were spam because the only message that was left was a robo-voice saying " at your earliest convenience, thank you ''. Nothing regarding what it was about, etc. I received these robo-messages on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of XXXX. Then I got an email ( XX/XX/XXXX ) regarding my credit score saying that I have an outstanding debt that is bringing my score down. I went to check and it says that I owe XXXX XXXX XXXX  XXXX   {$300.00} and they are sending Credit Management Control ( debt collectors ) after me for it. This is the first I am hearing about any owed payment to them. I have not been to XXXX XXXX XXXX  XXXX since XX/XX/XXXX. The last message I have from them is from XX/XX/XXXX reminding me of that upcoming appointment. I have not once received any bill in the mail or had them call me about an outstanding bill. Furthermore, I had insurance that should have covered the services. But yet again, I was not contacted by them to sort out the situation. The fact that the first I am hearing about this is through checking my credit score is ludacris.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I am refinancing my mortgage with a new lender. The current mortgage company ( Freedom Mortgage ) has refused to provide a payoff. The closing company has requested it ( XX/XX/XXXX - using the documents I signed as part of the process ), and I have personally requested it twice ( XX/XX/XXXX & XX/XX/XXXX ). They are now holding up my mortgage process and I am at risk of losing my preferential new rate. I believe they are holding up because they do not want to lose a {$380000.00} loan at 4 %, when new rates are much lower ( my new rate is quoted at 2.64 % APR ).

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 2020-03-15 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: IL

Complaint narrative:
I submitted disputed to equifax over unauthorized inquiries. These inquires were for XXXX XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. This dispute was handled they received it onXX/XX/XXXX and they sent letter that they investigated dispute on XX/XX/XXXX.I received another letter from agency dated XX/XX/XXXX for inquiries I never disputed. I will attached letter, equifax also updated negative info on my credit that has not been verified by them as a retaliation for my dispute. I know I cant dispute inquiries that are from soft pulls to credit, I never disputed inquiries from there letter dated XX/XX/XXXX. I have been a past victim of identity theft and this is very concerning that they are not handling these matters in a professional way. Someone from there office is either manipulating mail because I sent other dispute as i am noticing info that is not correct with my file. This was received by certified mail by them. This second dispute involved a creditor not inquiries.Can someone please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
On XX/XX/2019 I contacted Debt Recovery Solutions regarding an account they are attempting to collect for and reporting on my credit report. They received my request for them to validate this account via certified mail number XXXX XXXX XXXX XXXX XXXX on XX/XX/2019 and they have yet to respond to that request. Instead what DRS has  done is send me a text and call stating someone will be delivering papers for me to sign and I needed to be home to sign for them ... giving me the impression that I am about to be sued although the alleged account they are attempting to collect occurred more than 4 years ago, which is the statute of limitations in texas to sue a consumer. Debt Recovery Solutions continue to verify this account with the credit reporting agencies even though they have failed to validate the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I signed up for the American Express SPG Luxury card based on the advertised promise that I would receive one ( 1 ) XXXX point certificate a year, starting after my anniversary date. 

The fine print says : " The Free Night Award will be automatically deposited into your XXXX XXXX member account 812 weeks after your Card Account anniversary date in the form of an e-certificate. '' This is false. My anniversary date was XX/XX/XXXX. 12 weeks would have been ~XXXX. I contacted American Express on XX/XX/XXXX and they apologized and said it would be issued soon. I have contacted the multiple times since then, including this morning XX/XX/XXXX, nearly 4 months later, when they apologized again and now say I need to call the number on my card to look into this. This is certainly not my definition of " automatic. '' In these months I had to alter my travel plans since I was not provided the certificate in the time frame advertised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: State Collection Service, Inc.
State: LA

Complaint narrative:
I sent a letter to State Collection Service Inc. at the beginning of XXXX in response to a collection letter they sent me. The letter they sent was the first one they sent. Days later the debt collection was on my credit report before even trying to resolve the matter. If giving a chance, then I could have provided them with my insurance providers information. I also contacted my insurance provider XXXX XXXX XXXX to make sure they would take care of the bill being that I didnt have my card at the visit. So I sent a letter asking for validation not verification. They responded with a doctor bill for XXXX from XXXX XXXX XXXX XXXX of XXXX XXXX la. I sent back a copy of my insurance card an a letter asking them to remove their inaccurate information from all my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 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: TN

Complaint narrative:
The date on XXXX is wrong. This account keeps reappearing. Its original date is XXXX which is too old to be on my account. Also it wasnt credit it is a campgound maintence fee which we do not use or used since XXXX. We called and cancelled and they were going to sell it off ( the maintence ) to another camper.. It keeps re aging on my credit report. It was multiplyed but ccfpb took 2 off and not this one. Not sure if you forgot or if I forgot to put it in my complaint last month but its still showing on 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 2020-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: ID

Complaint narrative:
Enhanced Recovery Company says that I owe them some money for debt on a XXXX account. They constantly call me and have sent letters to me about it. However, I have never been a XXXX customer. My phone is from XXXX. XXXX says that my credit report is accurate, but I don't think it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 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 — Was not notified of investigation status or results
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2020, I received a letter from SunTrust Bank which thanked me for opening a " new Essential Checking account ''. This welcome letter also included one deposit slip and three checks to use. The deposit slips and checks had an account number on them. As I have never banked with SunTrust ( or BB & T which is who they are in the process of merging with ), I contacted SunTrust immediately. I spoke with XXXX XXXX who stated he was a Fraud Supervisor. I was given a case number ( XXXX ). Mr. XXXX stated that the account had been opened using my social security number. There was no money in this account which had been opened on XX/XX/2020. Mr. XXXX stated that I would be contacted by their department shortly. 

On XX/XX/XXXX, I spoke with XXXX, another Fraud Supervisor, who stated that it takes 12 business days to complete their investigation so I should know something by XX/XX/XXXX. On XX/XX/XXXX, I spoke with XXXX, yet another Fraud Supervisor, who then told me it takes 15-20 days to complete an investigation. 

On XX/XX/XXXX, I received a statement in the mail from SunTrust which shows that the account was finally closed on XX/XX/XXXX ( 9  days after I first reported this ) and that no money had ever been deposited into Account # XXXX. I called SunTrust again and spoke with XXXX, another Fraud Supervisor, who then told me that my social security number was NEVER used to open this account. I asked how someone could allegedly open an account online ( as they claim this was done ) without providing a social security or tax ID number and without ever putting funds in this account. XXXX told me the case was closed as well as the account and that all " suspicious '' accounts are closed within 3-4 days. This account was opened on XX/XX/XXXX and closed on XX/XX/XXXX - that's 18 days later, not 3-4 days! 

No one at SunTrust ever gave me the same story more than once. Even the timeframe for the investigation kept changing from " soon '' to 12 business days to 15-20 business days, etc. When I told several Fraud Supervisors that this whole scenario sounded like what XXXX XXXX XXXX got in trouble for ( opening fraudulent accounts to generate commissions ), they, of course, denied that was possible. 

Given how much fraud and identity theft exists, this whole scenario greatly concerned me especially when I was originally told that my social security number HAD been used to open the account. SunTrust claims that people open accounts online all the time and that's why they closed them so quickly but that is NOT true as they took 18 days to close this account.

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 2020-03-15 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: FL

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, I've contact Experian regarding an account that no longer belongs to me. Because of a divorce, the judge granted full responsibility of an Recreational Vehicle financed by XXXX XXXX XXXX  to my ex-husband. He was to be responsible for payments and management. I have submitted court documentation on multiple occasions to support that I no longer am liable for this account. I have submitted on 4 occasions, with no feedback regarding why they didn't remove the account or if they need additional information. When I attempted to contact XXXX XXXX XXXX, I was advised that I was no longer allowed to get information on the account. Then my exhusband claimed bankruptcy and claimed XXXX XXXX XXXX  in his chapter XXXX. Again, I tried to notify the bank that I was in disagreement with bankruptcy, and I was told that I no longer have responsibility to the RV. Our court paperwork, dictated we were not allowed to claim bankruptcy on martial debt, but somehow there was a loophole because he was granted full responsibility of the vehicle ... ..So therefore, I should'nt be held responsible for his poor finances and his inability to pay.

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