vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-21 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: GA

Complaint narrative:
XXXX ripped me off and mislead me. They told me that the total program cost would be $XXXX,XXXX. I was also told that the program would offer a certificate for educational leadership. The school purposely prolonged my program. There is a balance of $XXXX,XXXX currently on my report from this school. I do not owe this amount. As a single XXXX, I would never borrow this type of money. I could have gone to XXXX XXXX University or even XXXX  and not have this balance. I am not able to get a home loan because of this fradulent debt. This scam school closed down. I want this debt to be forgiven...now!

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 2019-08-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I purchased a XXXX XXXX XXXX used car financed by Wells Fargo Dealer Services. The price of the Honda was $XXXX,XXXX. I put down $XXXX,XXXX cash and was left with a balance of $XXXX. I tried to make arrangements to pay off the balance within 60 days but instead I was forced into a loan agreement. Monthly payment for $XXXX with a interest rate for XXXX.XXXX. I was extremely afraid and I put total trust in the dealer. I was automatically enrolled in XXXX coverage for a financial obligation over a year. I had a accident while I was covered and I was denied insurance benefits although I had been paying for insurance coverage monthly with a$XXXX   increase in my payment every month. The damages totaled $XXXX to repair the damages and I paid the total claim from out my pocket. Depleting my funds to pay off my used vehicle. I was forced to go bankrupt with such inflated prices and fees I lost my car and I had to pay off the balance of $XXXX XXXX XXXX. I have been a victim of unfair lending practices and experienced discrimination EOCA. My terms were much more expensive than a XXXX friend I referred in the same situation I am. Where she only put down $XXXX loan payment of $XXXX  with an interest rate of XXXX.XXXX. Due to discrimination and unfair lending practices, I lost everything that I worked for my entire life. I have not had a vehicle ever since Wells Fargo robbed me of all I had. I am in the process of informing UNITED STATES TREASURER and file civil rights lawsuit against Wells Fargo Dealer Services.

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 2019-08-21 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: NV

Complaint narrative:
The following inquiries were for no legitimate business purpose, there was no evidence to prove of the authorization. please delete this misleading information XXXX XXXX XXXX, XXXX/XXXX,XXXX   XXXX, XXXX XXXX, XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The following inquiries were for no legitimate business purpose, there was no evidence to prove of the authorization. please delete this misleading information XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX/XXXX   XXXX,  XXXX,  XXXX XXXX XXXX ,  XXXX/XXXXXXXX,  XXXX XXXX XXXX, XXXX XXXX XXXX,  XXXX XXXX XXXXXXXX,  XXXX/XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX,  XXXX XXXX XXXX/XXXX ,  XXXX   XXXX XXXX,  XXXX/XXXX XXXX XXXX, XXXX   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 2019-08-21 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Please review your letter dated XXXX.XXXX.XXXX (attached here).Kindly request to remove hard inquiry from my report to those credit bureaus which were reported by yours in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-21 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: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
An hard inquiry appeared in my XXXX credit report. The company name is SYNCB/XXXX XXXX XXXX it appeared on the date of XX/XX/2019. I would like this disputed because it should be removed from my credit reports as I do not have knowledge of this account showing. It is a hard inquiry. Please remove this.

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 2019-08-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Spring Equity LLC
State: FL

Complaint narrative:
Spring Eq, sales rep XXXX XXXX  was trying to do an equity line for my house up to XXXX he promised me that, before running credit report I told him my credit score is XXXX and my wife is XXXX and that the house value was XXXX and that we owed XXXX. he told me it would be fine we could get the loan. my wife and I went to throughout the process. I even paid for the appraisal XXXX and at the end, he came up with the story that I needed XXXX and my score needed to be XXXX to get the loan. at that moment I felt scammed because the information I gave him, he was not looking for the customer best interest, the appraisal came up at XXXX, which it is a complete lie the houses based on the historical sales and same sq footage came up to be at XXXX, I asked him to disputed but he denied. I called the appraiser and even though I paid for it he denied to reconsider my petition because I was not his client. to me, this is all a XXXX scam. to pay for the appraisal and nothing will happen and getting XXXX   from the customer. please warn the customer about these malpractices made by Spring Eq and sales rep. such as XXXX   XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: CA

Complaint narrative:
I send a two certified letters requesting Validation of this account. First letter XXXX XXXX, 2019, No response. To Whom It May Concern:This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau{s}, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g  Sec. 809 {b} that your claim is disputed and validation is requested.This is NOT a request for “verification” or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section.  I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following:•	What the money you say I owe is for:•	Provide me with copies of any papers that show I agreed to pay what you say I owe.•	Identify the original creditor:•	Show me that you are licensed to collect in my state: California•	Provide me with your license numbers and Registered Agent or Agent of Service: If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information.Best Regards,XXXX 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 2019-08-21 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: VA

Complaint narrative:
Please review your letter dated XXXX.XXXX.XXXX (attached here).Kindly request to remove hard inquiry from my report to those credit bureaus which were reported by yours in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA

Complaint narrative:
On XXXX I received a preapproved offer through XXXX XXXX for a XXXX unsecured personal loan at just over 23 % through One Main Financial. The loan would have been used to pay off credit card balances which would have improved my credit score allowing me to refinance my home. When I accepted the preapproved offer a hard inquiry went on my credit and  they changed the offer to a secured loan against my autos. I let the person on the phone know my vehicles have loans and I wasn’t applying for an auto loan. The lady told me that the company charges 33-37% on unsecured personal loans. Had this been disclosed up front I would NEVER have applied. If this was somehow, someway disclosed, it was hidden at best. I believe it was outright fraud via bait and switch. I would like the inquiry removed from my credit report. I called the credit dispute of One Main and was told I could write a dispute but it would not change anything .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
On XXXX/XXXX/XXXX I received letter dated XXXX/XXXX/XXXX from Midland Credit Management in reference to a balance owed from XXXX XXXX XXXX in the amount of $XXXX.XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: CA

Complaint narrative:
I sent a Certified letter to all three Credit Bureaus and the XXXX   XXXX and never received any documentation with Validation that this fraudulent credit was 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 2019-08-21 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: CA

Complaint narrative:
I am writing to dispute a fraudulent charge on my account of $XXXX,XXXX.XXXX, $XXXX,XXXX.XXXX, $XXXX,XXXX.XXXX, $XXXX,XXXX.XXXX, $XXXX,XXXX.XXXX, $XXXX,XXXX.XXXX, $XXXX,XXXX.XXXX, $XXXX,XXXX.XXXX, $XXXX,XXXX.XXXX, $XXXX,XXXX.XXXX.                        I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Act’s amendments to the Truth in Landing Act, 15 U.S.C. §§ 1666-1666b, 12 C.F.R §226.13. See Also 12 C.F.R § 226.12(b)-CLOSED ACCOUNTS-1. XXXX XXXX XXXX #XXXX opened on XXXX XXXX XXXX with a credit limit of $XXXX,XXXX.XXXX-This is not my account.2. XXXX XXXX XXXX with ACCT #XXXX opened on XXXX XXXX, XXXX with a credit limit of $XXXX,XXXX.XXXX-This is not my account.3. XXXX XXXX with ACCT #XXXX opened on XXXX XXXX, XXXX with a credit limit of $XXXX,XXXX.XXXX-This is not my account.4. XXXX XXXX XXXX XXXX with ACCT #XXXX   opened on XXXX XXXX, XXXX with a credit limit of $XXXX,XXXX.XXXX-This is not my account.5. XXXX XXXX with ACCT #XXXX opened on XXXX XXXX, XXXX  with a credit limit of $XXXX,XXXX.XXXX-This is not my account.6. XXXX XXXX with ACCT #XXXX opened on XXXX XXXX, XXXX with a credit limit of $XXXX,XXXX.XXXX-This is not my account.7. XXXX-XXXX XXXX with ACCT #XXXX opened on XXXX XXXX, XXXX  with a credit limit of $XXXX,XXXX.XXXX-This is not my account.	8. XXXX/XXXX with ACCT #XXXX   opened on XXXX XXXX, XXXX with a credit limit of $XXXX,XXXX.XXXX-This is not my account.9. XXXX/XXXX XXXX with ACCT #XXXX opened on XXXX XXXX, XXXX with a credit limit of $XXXXXXXX.XXXX-This is not my account.-COLLECTIONS-10. XXXX XXXX XXXX with ACCT #XXXX opened on XXXX XXXX, XXXX with a credit limit of $XXXX,XXXX.XXXX-This is not my account.11. XXXX XXXX XXXX with ACCT #XXXX opened on XXXX XXXX, XXXX with a credit limit of $XXXX,XXXX.XXXX-This is not my 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 non-monetary relief
Consumer complaint received 2019-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In XXXX XXXX  I opened an account with Citibank with their promotion of $XXXX after depositing $XXXX,XXXX cash into checking and savings. Within 2 weeks, and well within promotion guidelines, I wired $XXXX,XXXX into the account.I have been trying for over a year to get both my promotion $XXXX   credit AND my full $XXXX,XXXX back from them. Countless hours, phone calls, escalations, and still it is completely unresolved. Please help me escalate and resolve this blatantly fraudulent promotion offer by Citi.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 2019-08-21 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: CA

Complaint narrative:
I sent a Certified letter to all three Credit Bureaus and the XXXX XXXX and never received any documentation with Validation that this fraudulent credit was 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 2019-08-21 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: CA

Complaint narrative:
I sent a Certified letter to all three Credit Bureaus and the XXXX XXXX and never received any documentation with Validation that this fraudulent credit was mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I received a preapproved offer through XX/XX/XXXX for a XX/XX/XXXX unsecured personal loan at just over 23 % through XX/XX/XXXX. The loan would have been used to pay off credit card balances which would have improved my credit score allowing me to refinance my home. When I accepted the preapproved offer a hard inquiry went on my credit and  they changed the offer to a secured loan against my autos. I let the person on the phone know my vehicles have loans and I wasn’t applying for an auto loan. The lady told me that the company charges 33-37% on unsecured personal loans. Had this been disclosed up front I would NEVER have applied. If this was somehow, someway disclosed, it was hidden at best. I believe it was outright fraud via bait and switch. I would like the inquiry removed from my credit report. I called the credit dispute of XX/XX/XXXX and was told I could write a dispute but it would not change anything .

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 2019-08-21 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: CA

Complaint narrative:
I am writing to dispute a fraudulent charge on my account of $XXXX, $XXXX, $XXXX, $XXXX, $XXXX, $XXXX, $XXXX, $XXXX, $XXXX, $XXXX.                        I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Act’s amendments to the Truth in Landing Act, 15 U.S.C. §§ 1666-1666b, 12 C.F.R §226.13. See Also 12 C.F.R § 226.12(b)-CLOSED ACCOUNTS-1. XXXX with ACCT #XXXX opened on XX/XX/XXXX with a credit limit of $XXXX-This is not my account.2. XXXX XXXX XXXX with ACCT #XXXX   opened on XX/XX/XXXX with a credit limit of $XXXX-This is not my account.3. XXXX XXXX with ACCT #XXXX opened on XX/XX/XXXX with a credit limit of $XXXX-This is not my account.4. XXXX XXXX XXXX XXXX with ACCT #XXXX opened on XX/XX/XXXX with a credit limit of $XXXX-This is not my account.5. XXXX CARD with ACCT #XXXX opened on XX/XX/XXXX with a credit limit of $XXXX-This is not my account.6. XXXX CARD with ACCT #XXXX opened on XX/XX/XXXX with a credit limit of $XXXX-This is not my account.7. XXXX XXXX with ACCT #XXXX opened on XX/XX/XXXX with a credit limit of $XXXX-This is not my account.	8. XXXX with ACCT #XXXX opened on XX/XX/XXXX with a credit limit of $XXXX-This is not my account.9. XXXX XXXX with ACCT #XXXX opened on XX/XX/XXXX with a credit limit of $XXXX-This is not my account.-COLLECTIONS-10. XXXX XXXX XXXX with ACCT #XXXX opened on XX/XX/XXXX with a credit limit of $XXXX-This is not my account.11. XXXX XXXX XXXX with ACCT #XXXX opened on XX/XX/XXXX with a credit limit of $XXXX-This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been trying to obtain my Equifax credit report for several weeks and I have not been able to view it. I have tried accessing it on Equifax's website, through XXXX XXXX, and a credit monitoring service I use called XXXX. None of those methods for viewing my report have been successful. I called Equifax on XX/XX/2019 and they were unable to see or fix the problem. I need to be able to view my credit report because I am in the middle of correcting inaccuracies across all three of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: NV

Complaint narrative:
I sent a Certified letter to XXXX XXXX on XX/XX/2019, stating that I was never late on my mortgage and on my credit report it should say ACCOUNT CLOSED AND PAID AS AGREED. I called XXXX them on XX/XX/2019 and they had know Knowledge of me or my account. Please ask XXXX XXXX to please report no closed and paid as agreed.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 non-monetary relief
Consumer complaint received 2019-08-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
During the time I attended school,XX/XX/XXXX toXX/XX/XXXX. I received federal loans by my loan service providers,  Sallie Mae and Nazient. However I believe that my loans were designed in a way to prevent me from forgiving my loans under the program, Public Service Loan Forgiveness progtam, or were not forthcoming about any information about my loans which will prevent me from participating in the PLSF program


Please see URL below 

https://XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: NV

Complaint narrative:
I have disputed the late payment status reported on the account XXXX XXXX XXXX XXXX with XXXX and Equifax for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please I’m looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: NV

Complaint narrative:
I sent a Certified letter to XXXX  XXXX  on XX/XX/2019, stating that I was never late on my mortgage and on my credit report it should say ACCOUNT CLOSED AND PAID AS AGREED. I called XXXX them onXX/XX/2019and they had know Knowledge of me or my account. Please ask XXXX XXXX to please report no closed and paid as agreed.Thank you

Company response to consumer: Closed with explanation