vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-31 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: FL

Complaint narrative:
Contacted Syncb on XXXX XXXX, 2019, about an unrecognized hard inquiry on my credit report from XXXX XXXX, 2019. I do not own any credit cards, nor have i applied for any. They claimed that the credit card company in which the inquiry came from was has no affiliation to them and advised me to contact the credit bureau to dispute the inquiry. 
I, then, contacted the bureau and they informed me that they would not take any action until i called back to Syncb and received a letter of deletion from them. 
I called back to Syncb, again, on XXXX XXXX, 2019 to request the letter of deletion ; they then tell me the problem is with XXXX XXXX and not with them or the bureau. They advised me to contact XXXX XXXX. XXXX XXXX has no customer service telephone number. 
Syncb has given me the run-around all evening and still no resolve ; only repetitively placing blame on other agencies.

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 2019-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Where did credit bureaus get this public information when the recorder of deeds, the magistrate or the court itself did not furnish any of this information to the credit bureaus. They do not provide any proof to justify their reporting. Please get this public information remove Chapter XXXX Bankruptcy Discharged 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 2019-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Where did credit bureaus get this public information when the recorder of deeds, the magistrate or the court itself did not furnish any of this information to the credit bureaus. They do not provide any proof to justify their reporting. Please get this public information remove Chapter XXXX Bankruptcy Discharged 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 2019-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
The following companies ran unauthorized credit report on me.. I never authorized such inquiry..I have never given permission for them to inquire my credit status.. Please remove inquiries done by these companies 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 2019-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I opened an account with BBVA Compass in early XX/XX/XXXX. The sales representative offered a {$200.00} rebate within 3 to 4 weeks of the first direct deposit. It is now XX/XX/XXXX, I went back to the bank, and now the terms and conditions state that it may take 120 days to credit the account. The sales person sold me the account under false pretenses in order to get commission and my account has not been credited.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-31 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: HI

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX and XXXX XXXX  XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2019-07-31 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: HI

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX and XXXX XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2019-07-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
I have six different loans with Fedloan servicing, I recently refinanced my home and sent three checks with clear instructions for Fedloan Servicing to apply those three checks to three of my loans ( loans with higher interest rates ). I made a cover letter for each check with clear instructions and also wrote clear instructions on the checks about how to apply the checks. I called their customer service and they said that they'd apply the checks as I requested. However, they just spread the amount among all six loans and left the higher interest loans with higher remaining balances. It's completely against what I had requested. I haven't received any resolutions yet, Please help me resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-31 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: HI

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX and XXXX  XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: HI

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with  my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: MO

Complaint narrative:
Looking at my credit file I've noticed inaccurate data reporting on my report. and I'm demanding that these accounts be blocked immediately. 

1 ) XXXX XXXX {$150.00} 2 ) XXXX XXXX {$550.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: IN

Complaint narrative:
The following companies ran unauthorized credit report on me.. I never authorized such inquiry..I have never given permission for them to inquire my credit status.. c

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 2019-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Automatic Data Processing, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX four unauthorized transactions were made using my debit card. The bank, Wisely by ADP deactivated the card and I disputed the transactions. 

XX/XX/XXXX XXXX XXXX XXXX {$130.00} XX/XX/XXXX XXXX XXXX XXXX {$79.00} XX/XX/XXXX XXXX   XXXX XXXX {$180.00} XX/XX/XXXX XXXX  XXXX XXXX {$320.00} Today, XX/XX/XXXX, I received a letter notifying me that there was no error and that no credit will be issued. This is unacceptable as these charges are completely fraudulent and these funds were stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
I spoke to Credit Corp back on XX/XX/XXXX and asked to cease and desist Under the provisions of Public laws 95 109 and 99 361, known collectively as the Fair Debt Collections Practices Act ( FDCPA ) I formally notify you to cease all communications with me in regards to this debt, or any other debts that you allege I owe.

Please be advised that if collection attempts continue after receipt of this notice, I will immediately file a complaint with the Federal Trade Commission and the Attorney Generals office.

Additionally, if Im contacted again after receipt of this notice, I will pursue both criminal and civil claims against you and your company for violation of the FDCPA. Please be aware that going forward, after I have confirmed your receipt of this notice, any communications from your company may be recorded to be used as evidence for my claims against you.

Also, be advised that any negative information appearing on my credit reports pertaining to this account will be handled with the full legal rights and remedies available to me with regards to current consumer protection laws. 

They stoped how ever on XX/XX/XXXX they continued. I will now fill a lawsuit against them for harassment and now demand XXXX per phone call made to me after asking them to cease and desist which is over 50 calls

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: HI

Complaint narrative:
The following companies ran unauthorized credit inquiry on my credit report and the inquiries mentioned below are suspicious to me : XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX  XXXX and 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 2019-07-31 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: MO

Complaint narrative:
Looking at my credit file I've noticed inaccurate data reporting on my report. and I'm demanding that these accounts be blocked immediately. 

1 ) XXXX XXXX {$150.00} 2 ) XXXX XXXX {$550.00}

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 2019-07-31 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: MO

Complaint narrative:
Looking at my credit file I've noticed inaccurate data reporting on my report. and I'm demanding that these accounts be blocked immediately. 

1 ) XXXX XXXX {$150.00} 2 ) XXXX XXXX  {$550.00}

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 2019-07-31 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: EQUIFAX, INC.
State: IN

Complaint narrative:
The following companies ran unauthorized credit report on me.. I never authorized such inquiry..I have never given permission for them to inquire my credit status.. Please remove inquiries done by these companies FCC/XXXX, XXXX, XXXX, XXXX  XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: HI

Complaint narrative:
The following companies ran unauthorized credit inquiry on my credit report and the inquiries mentioned below are suspicious to me : XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
The following companies ran unauthorized credit inquiry on my credit report and the inquiries mentioned below are suspicious to me : XXXX XXXX and 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 2019-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 
I am a victim of identity theft and noticed a collection from NATIONAL CREDIT SYS. I've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against NATIONAL CREDIT SYS in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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:
Can not dispute credit report online via Equifax : https : /XXXX System security questionnaire reports incorrect responses despite me having all credentials readily available and being well aware of what is on my credit. This, in turn, blocks you from making any disputes online. This has been happening for at least three years in which the majority the time that I try to access the system I am denied access. Most recently on XX/XX/2019. If, according to Equifax, you inputted incorrect information in this questionnaire. Even more agitating is that you get locked out without any notification or second attempts. I have tried a day later to three days later with the same result before I can try again. This is unacceptable. 


It seems this has been a fraudulent practice implemented to push consumers into buying their credit products which have its own credit dispute system. 

There are two other options to dispute. Snail mail is not an option in 2019 ; it's ridiculous. Especially for time-sensitive issues that can take months to rectify. Requesting dispute by phone has not ever ended in me successfully completing a dispute. The representatives speak poor English and do not seem to comprehend clearly. it most likely ends up with them inputting incorrect information but that is speculation. 

There is something wrong with the systems code or database. Nothing a person could see without looking at the source code. It seems to happen when the questionnaire presents questions that do not apply to you and you choose 'none of the above. '

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: MO

Complaint narrative:
I been a victim of not only XXXX  data breach but I also lost my wallet with all my information some time again. Now looking at my credit file I see unknown accounts inwhich I'm asking to be removed. 

1 ) XXXX XXXX  {$120.00} 2 ) XXXX XXXX XXXX XXXX {$440.00} 3 ) XXXX XXXX XXXX {$14.00}

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 2019-07-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I have been unable to resolve my issues with COMENITY BANK/COMENITY CAPITAL BANK and due to my unsuccessful attempts to have all my accounts held by both COMENITY BANK and COMENITY CAPITAL BANK closed, I am submitting a formal request to have all accounts associated with my social security number to be closed upon receipt of this complaint. I have submitted a previous request for immediate account closures for any accounts serviced by either COMENITY BANK or COMENITY CAPITAL BANK that no action has been taken on as of yet. This is a follow up to that request mailed to Comenity Bank XXXX XXXX XXXX, XXXX, Ohio XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-31 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: MO

Complaint narrative:
I been a victim of not only Equifax data breach but I also lost my wallet with all my information some time again. Now looking at my credit file I see unknown accounts inwhich I'm asking to be removed. 

1 ) XXXX XXXX {$120.00} 2 ) XXXX XXXX XXXX XXXX {$440.00} 3 ) XXXX XXXX  XXXX  {$14.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
My mortgage was paid off on XX/XX/XXXX with Chase. XXXX, my insurance provider, sent Chase my premium refund on XXXX. Chase lost it and did not make me aware that it was received and lost until XX/XX/XXXX. I am continually being told that they are, researching the oversight and i will get a call back. To date, I have received no calls from them and i am calling them for updates on my {$1300.00} missing funds. As a customer, if my payment was missing, they would charge me a fee and demand payment. But they can lose money due to me and there is no urgency, no accountability, follow up, or anything for me! All i get is, we dont know where it is, we saw we got it. We are still locating it! I want my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have a care credit account from XXXX XXXX. The payments are around 225 a month and I guess along the way I missed one payment and the bill has become astronomical that I cant pay it down. My bank statment shows that I have paid these people almost monthly until the bill got bigger and bigger from this missed payment till it was almost 800 dollars one payment. I have called them TWICE and emailed to figure out a payment plan that I can fix this, but both times someone that doesnt speak English well starts yelling and berating me. I try explaining the situation and they ignore and demand I pay this massive bill at once. I emailed and sent proof of the numerous payments I have sent and got no response. They call me excessively but can not talk to a sensible person EVER. So now my credit is continuously tanking because i can not repair 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 monetary relief