vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-09 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: WI

Complaint narrative:
XXXX, Equifax, XXXX  and XXXX are all reporting an unverified bankruptcy. When I disputed the item and asked them to verify it, they said they verified it through the courts. 

That is impossible and incorrect. The courts DO NOT speak to or verify items with third party agencies or credit bureaus. I even sent them the letter to prove this and they still are improperly showing this unverified bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2018 we received a letter from Wells Fargo home Mortgage that effective XX/XX/2018 they will no longer be accepting our mortgage payment that our loan has been transfered to XXXX XXXX XXXX and that I should received a letter from then with the new account numbers. I called XXXX on XX/XX/2018 and asked them where my paper work was they said letters have not gone out as yet, I called Wells Fargo on XX/XX/XXXX because I received a statement from them for my XX/XX/XXXX mortgage, they told me that they can no longer accept my payments and payments should go to XXXX I told them that I have to account numbers to write on the check and they said that I should call them. I have no information on my new loan servicer and I do not want to mail a check without an account number written on it as they will not know where to post the payment.

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 2018-12-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
In the year of XX/XX/2012 I beleive, I was granted a credit card with XXXX XXXX. The last 4 of the card I am speaking of are XXXX. I spoke with them and they told me that XXXX years ago I asked for a cash advance of which I may have. I honestly don't remember XXXX years ago. My account with this card has been closed for a couple years now ( not really sure how long ) but I have made my regular mothly payment. I then found that roughly half of what I was paying was going to pay interest on a cash advance from XXXX years ago, mind you the account has been closed for some time now. Right now my balance stands at {$470.00}. I am making the monthly payment but started wondering why my balance never seems to go down. Now I know why. They are charging me anywhere from $ XXXX-XXXX a monthjust on the interest. In XX/XX/XXXX of this year they charged me {$11.00}, interest. So for the last XXXX   years I have made payments of just interest of {$560.00}. That is more than I owe on the card. When speaking with them they told me the best they can do is to reverse XXXX months interest charge. I asked if they can reverse XXXX, why not all or something to help me out. They were totally unsympathetic. I own my own home and just went through a divorce, and I make adecent wage, but thanks to my ex-husband my mortgage is behind roughly {$9000.00} dollars. I was on a forbearance modification plan for XXXX months ( which ended in XX/XX/XXXX of this year ) paying a reduced cost. I am now in the midst of trying to get another modification so I don't lose my home. MKy mortgage payment was {$1700.00}, then after the forbearance mod it has jumped to {$1800.00} So along with all my other bills ( and I have no credit cards ) I do not need the added stress of trying to make a payment of which morally should be considered paid. Help and 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 monetary relief
Consumer complaint received 2018-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: SC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Your company who i have no contractual agreement or any ties to for that matter, has listed inaccurate debt on my credit report, which is a direct HIPPA violation. Please delete this debt.

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 2018-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: MI

Complaint narrative:
I have a debt collection on my credit report from an account thats not mine. It appears to be from a utility service through XXXX. The time frame specified for service is not applicable to a period where I had service.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I requested a copy of my credit report on XX/XX/XXXX and  discovered unknown credit and decided to file a dispute with the credit bureau but it gave me the following message ; " we are unable to process your dispute ''. I have several credit accounts on my credit report that I did not authorize and need to dispute them as I have been receiving collection calls regarding these debts that I personally did not authorize and voluntarily incur this debt. I strongly believe I have been a victim of credit fraud. Consequently I have been denied housing.

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 2018-12-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I requested a copy of my credit report on XXXX-18 and discovered unknown credit and decided to file a dispute with the credit bureau but it gave me the following message ; " we are unable to process your dispute ''. I have several credit accounts on my credit report that I did not authorize and need to dispute them as I have been receiving collection calls regarding these debts that I personally did not authorize and voluntarily incur this debt. I strongly believe I have been a victim of credit fraud. Consequently I have been denied housing.

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 2018-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I rented a car from XXXX rent a car on XX/XX/XXXX. XXXX took an initial authorization on the account for XXXX. I extended the rental and and they took another authorization on the card to cover the rest of the rental. The charge for the full amount of the rental of {$420.00} was posted on {$420.00}. There is still a authorization hold on my account for {$300.00}. I called Citi multiple times and was told the hold would be on the account for 30 days. I called XXXX credit card release who told me they sent the release on XX/XX/2018. She called over to Citi to get the authorization released. They told her there was nothing they can do. How can a company hold a pending charge for 30 days when XXXX told them they released the hold. This is unacceptable as a company policy. I spoke with supervisor XXXX from XXXX credit card release who called Citi directly with me on the line. She inquired on how to get this resolved and was told they had no process and just had to wait 30 days.

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 2018-12-09 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: SC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation! I contaced the company they said they never spoke nor heard from any credit reporting agencies. This lets me know that there was no proper investigation, it was electronic if anything at all, and they nothing was done on my behalf. Please remove this account, as you can see on my report i have no derogatory marks, i take my finances serious, and this alleged medical debt has ruined my credit, and put a delay on me closing on a home. Fix this issue 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 2018-12-09 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: SC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation! I contaced the company they said they never spoke nor heard from any credit reporting agencies. This lets me know that there was no proper investigation, it was electronic if anything at all, and they nothing was done on my behalf. Please remove this account, as you can see on my report i have no derogatory marks, i take my finances serious, and this alleged medical debt has ruined my credit, and put a delay on me closing on a home. Fix this issue 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 non-monetary relief
Consumer complaint received 2018-12-09 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: SC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation! I contaced the company they said they never spoke nor heard from any credit reporting agencies. This lets me know that there was no proper investigation, it was electronic if anything at all, and they nothing was done on my behalf. Please remove this account, as you can see on my report i have no derogatory marks, i take my finances serious, and this alleged medical debt has ruined my credit, and put a delay on me closing on a home. Fix this issue please.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09 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: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
my complaint has to do with XXXX XXXX XXXX,  who collected on a debt owed to XXXX XXXX XXXX. I got in contact with midland credit in XX/XX/2018 to discuss this matter and arrange a settlement and set up payment plans. A XXXX   XXXX  account manager XXXX XXXX agreed to the terms and told me that once the settlement was paid the account it would go to a XXXX  balance and be taken off my credit report. on XX/XX/2018 I made the last payment of XXXX which was the agreed last payment on the account. XXXX XXXX has not keep their end of the deal and the account is not only still on my credit but, refuses to send me in writing that the account is paid. Ive spoke with the account manager XXXX XXXX on numerous occasions and called the compliance office at XXXX ext XXXX and talked to XXXX XXXX who also refused to send me in writing the account is a XXXX balance and that it would come off my credit report. The date of the last payment was XX/XX/2018 it is now XX/XX/2018 and the account is still on my three credit reports and being verified as accurate with a remaining balance that I do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-09 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:
This letter is an effort to get an entry on my credit report removed, because it is not accurately reporting. The public record company on my credit report was asked to remove their entry off my credit report, and there reply was, they do not report to the credit bureaus. See attached response letter from US Bankruptcy Court,  XXXX XXXX of Texas, XXXX Division. 

I forwarded a copy of this response from the US Bankruptcy Court, XXXX XXXX of Texas, XXXX Division, and all three credit bureaus still refuse to remove the entry from my credit report. They received this information from XXXX, which is not a credit bureau, and considered a 3rd party that sells people personal information to the credit bureaus. The US Bankruptcy Court,  XXXX XXXX of Texas, XXXX Division where my case is, do not report to 3rd party information brokers or credit bureaus. That makes the information being reported inaccurate, and I am asking that it be removed immediately. I have sent correspondence to all credit bureaus, and 3rd party information brokers that have any of my information for sell to put a credit freeze on my file.

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 2018-12-09 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: RI

Complaint narrative:
their customer service would not help and take care of the negative inquiries reporting to my credit report. 


Below I Listed the inquiries that I desired to be deleted from my credit report. I never signed or agreed for them to view my credit report neither did I have a credit account with them.

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 2018-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MN

Complaint narrative:
First of all I am very glad to have your office which investigates the violations caused by big companies such as Toyota motor corporation which deceives millions of customers by selling defected cars as the results millions have been affected by the fraudulent tactic of dealers at care sales. 
I have purchased XXXX XXXX XXXX in one of the XXXX dealership XXXX XXXX Minnesota in XX/XX/2018. six days after I purchased the vehicle, I have found out that the van I bought has a big mechanical problems. it does not accelerate as it should, noisy engine, consume gas more than it should. I reached out to the dealers and addressed the safety issues the car had. they advised me to bring the car for inspection. They checked and told me that the car did not have any problems and you should drive it. I then picked up my car and immediately after two days the same problems happened with the vehicle, it does not accelerate in a busy highway which is very concerning. the drives from the back can hit me or able to involve in the accident due to the fact that the car does not accelerate faster even if given gas. I have addressed the issue for the second time and request the dealers to change this car for me with out trading options because it is only less than a week ( 6 days ) after purchase for {$27000.00}. they said we can not exchange the car with out trade and you have to trade. I informed them that I could may not get approved from the bank and please help me to exchange this vehicle as it was not operating well and is dangerous to drive on the road. I then called Toyota financial services who loans the car and talked about the dealership experience. They also told me to contact dealership for resolutions as I purchased car from them. I contacted again if they able to help me with car exchange not putting trade on the table because this is strange to have a car which has only XXXX miles and inspected by dealer and I should return this vehicle back. XXXX XXXX XXXX used car manger who could able to solve the issue said to me that we can not help you with exchange even though the car is defected and said to me that you are responsible for the car payment. I gave up and left the dealership and have been divining the defected vehicle which is a safety threat to me and my family as of today. Toyota financial services and car dears has denied my request ignored me when they realize that the care is not safely operable in the high way and they still insist that the car is safe which I do know is not safe to drive. I have therefore, paid {$27000.00} and not been happy with my car and have been very frustrated and concerned so much about safety of me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09 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: CORELOGIC INC
State: NJ

Complaint narrative:
There are two issues regarding credit report inquiries creating " hard inquiries '' on my credit report from XXXX, XXXX and XXXX.

1. XXXX : I did not request or authorize this company to acquire or may an inquiry on my credit report. At time of inquiry already had an account with XXXX and was discussing options to adjust account features. At no time did i give authorization to run a report. 

2. Multiple inquires within 30days of applying for mortgage loan.

I applied for a Mortgage loan in XX/XX/XXXX with mortgage broker. The loan was shopped around with several lenders checking credit report. 
XXXX, XXXX, PA XXXX on XX/XX/2018 and XXXX XXXX, XXXX, IL XXXX on XX/XX/2018 Then. 
XXXX XXXX, XXXX XXXX XX/XX/2018 Credco, XXXX XXXX XXXX XXXX XX/XX/2018 This created 5 Hard Inquiries on report which remains on report to date. XXXX   shouldnt be on report at all. The other four should have incurred only 2 at best. 

I've tried to dispute these Hard Inquires with two of the three leading credit reporting services to no avail. 


Your assist in this matter is greatly appreciated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ 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 2018-12-09 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: AR

Complaint narrative:
I WANT ALL 4 CREDIT BUREAUS TO LISTEN TO ME REGARDING ALL SECURITY ALERTS AND CONSUMER STMS.

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 2018-12-09 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: MI

Complaint narrative:
I am trying to order cell phones and the order keeps declining because of Equifax, and for sure the cell phone company cant give me any reason but is rfering me to equifax only. 

I called Equifax several time to find out what was the issue, obviously some date mixup on their end for my date of birth. As they explained me on the phone two weks ago, Isend Social Security card and Drivers license to them per fax to get that fixed. I called today and they are telling me now again to do so, even they received it ( but cant tell me whats wrong -> the system says ... blablabla ). 

This doesnt make sense and I dont come forward, still cant order the phones despite excellent credit score, they can not tell me what to do and I am stuck -> horrible company with horrible customer service, very different statements depending on whom you speak with and the so called " supervisors '' seems to help even less than other " normal '' employees. 

I would in insist in my right to know whats going on with my credit report, especially if they put it locked without my knowledge ( as it seems )!

Company response to consumer: Closed with explanation