vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
I sold my home X/XX/2017 and from the sale paid off my mortgage with Nationstar. My credit report is still showing the account is open with a balance of {$140000.00}. I received confirmation from Nationstar that my loan is paid in full. All of my other loans paid from the proceeds of the home sale reflect paid on my credit report ( i.e. car loan with XXXX XXXX XXXX, etc. ), with the exception of Nationstar. Please update my credit report immediately as this is false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24 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: COMMUNITY CHOICE FINANCIAL, INC.
State: SC

Complaint narrative:
Not my Loan ' and do n't know the person '

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 2017-09-24 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: NJ

Complaint narrative:
I would like a written authorized signature stating I authorized these inquiries if they can not provide the documentation I would like it removed immediately

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 2017-09-24 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: COMMUNITY CHOICE FINANCIAL, INC.
State: SC

Complaint narrative:
Not my Loan ' do n't know the person!

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 2017-09-24 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: NJ

Complaint narrative:
I would like a written authorized signature stating I authorized these inquiries if they can not provide the documentation I would like it removed immediately

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 2017-09-24 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: NJ

Complaint narrative:
I would like a written authorized signature stating I authorized these inquiries if they can not provide the documentation I would like it removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IL

Complaint narrative:
XXXX money gram online. For deposit on embroidery machine. They cashed it and ran.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XXXX2016 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.

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 2017-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XX/2014 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.

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 2017-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: CA

Complaint narrative:
Problem : I spoke with Discover on or around XX/XX/XXXX and advised I was sending an over night payment and need their address for such. I advised them I was going to be traveling that Friday and needed my funds on my card immediately, I was then advised as long as my payment was rcvd before XXXX XXXX EST it would process that night and be available next morning by XXXX, that didnt happen, so I contacted customer service and spoke to a rep and a manager named XXXX out of Ohio, I explained the urgency of my payment needing to post because I was headed to airport and when I arrive to my destination I would need a rental, I provided her my USPS tracking number, XXXX, she looked it up and said they rcvd my package at XXXX XXXX on the XXXX, she then tried reaching her batching dept with no success, she then advised that the company could do an manual authorization when I reached rental car company only if the location can do manual authorizations, so I immediately called Discover when I arrived as instructed and got their AZ location and spoke with another manager and advised him of my situation and what previous manager advised me to do, he stated there were no notes regarding that conversation and it only stated my  previous call was only about payment, he then placed me on hold and checked with his billing dept, they said no payment pending, so he advised he could not push a manual authorization thru unless pmt was pending, I was left for dead at this point. So now 4 days have passed, its XX/XX/XXXX and  after 5 calls to managers, no one has located my payment, although it was clearly received by their organization and not processed. We are now stuck having to pay friends and family back, for hotel and car charges while traveling, since all my money was sent to Discover for our travel cost and Discover advised me they have no policy to locate a lost overnight package.they cant even contact their mailroom. No one took initiative to resolve my problem and my money is just lost within their organization, no follow up from management or since of urgency from Discover. Managers where horrible, never actively listened to my situation nor notated account properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Sent a certified letter on XX/XX/2017 to Experian regarding validity of debt on my report. I have not heard from them. I did not receive knowledge of letter or any results. I expect all information to be removed. 

Disputed previously the spelling of my name, incorrect address and it was not removed. 

I sent 2 other letter requesting the same information from XXXX and 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 non-monetary relief
Consumer complaint received 2017-09-24 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: RI

Complaint narrative:
When booking a flight through XXXX, I was subjected to a misleading booking incurring charges that I did not approve before clicking the box to buy the airline ticket. After the ticket was bought they charged my credit card {$70.00} in addition to the flight tickets??
When I brought this to the attention of Discover Card, they gave me a hassle and the next day sided with their much bigger " client ''. Everyone knows that XXXX has the best record in protection consumers from fraud or misleading selling practices, and apparently companies like Discover could careless, and need to be called out XXXX is lying to them, saying I approved their " travel related assistance ''. This is XXXX. We were booking a flight just like on any other online sight, then they declare they are a travel agent? They should spell this out up from and itemize their fees to consumers because we select " Buy ''. Because if you read all their poor reviews, BBB and many others, when you see their fees after booking and go to cancel ( within 24 hours ) they charge you a cancellation fee and change flight fee. They also intentionally book wrong days ( did it to me last earlier this spring..I thought it my fault until I read other consumer reviews ) I am saying as a consumer they need to disclose their fees up front, especially the " travel assistance fee which is vaguely hidden, but vaguely disclosed under the terms and conditions. This was not asked for nor was it approved. These companies are very sneaky with very confusing websites, done intentionally I 'm sure Discover has customer service attendants that do n't have to common sense to analyze and see deception and miss-leading consumer practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Good morning, this is my third time trying to solve this issue with Equifax and XXXX they have to be the two worst company on this planet, they are irresponsible, arrogant, do n't care about customers, they take their time to respond to customers. 
They are reporting inquiries on my credit report which I never applied for any product, I have a vehicle so I do n't need a car loan and I will like to know why I have more than 20 inquiries less than a month that is unfair and I need justice. please help me to sue these companies. please help they are ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
The aforementioned credit collections agency National Credit Systems INC. representing XXXX XXXX apartments has violated the FCRA by not providing documents to me in regards to this debt. ( account number is XXXX in the amount of XXXX ) I am unaware of this debt, I have asked for validation of the debt owed as well as validation of contract and to no avail has the company provided me the necessary information requested in the allotted time. My first initial request for this information was XX/XX/XXXX never received anything pertaining to this debt. this account remained unverified and then on XX/XX/XXXXthe debt was removed from my account. However, upon checking my credit report XX/XX/XXXX I saw that said collection agency had placed collection account back on my credit report without proper notification of doing so I was completely unaware. By law they were to notify me within 5days which they did not! 15 U.S code 1681i-FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) Notice to consumer : If any information that has been deleted from consumers file pursuant to subparagraph ( A ) is reinserted in file, the consumer reporting agency shall notify the consumer of the reinsertion in writing no later than 5 business days after reinsertion or, if authorized by consumer for that purpose, by any other means available to agency.
Again, I reached out to said agency requesting information again and advising them that they were in violation of FCRA on XX/XX/XXXXXX/XX/XXXX the agency then removed the debt from my credit reports, but again without proper notice the account was then reinserted. I filed a complaint with the BBB onXX/XX/XXXX because of this violation ( case # XXXX ) and the company responded back that the account was not able to be located however said account is reflecting on all three credit reports. This account is unverified and immediately needs to be deleted from all credit filesXXXX, XXXX and XXXX.
The business is require to disclose to me all of the documents that they recorded and retained in their files that pertains to this " Debt '' and they failed to do so in the allotted time, National credit System has violated FCRA in more than one way and needs to retract this from my credit file immediately!! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
For approximately the previous month I have been working with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to remove an account from my Trans-Union Credit Report. Today 9/24/2017, approximately XXXX CST, I called the customer service line for transunion. Initially I spoke with a gentleman who identified himself as " XXXX '' an alias used by the XXXX, XXXX Call Center for Transunion/XXXX. XXXX transferred me to " XXXX XXXX '' another alias working in the country of XXXX as well. XXXX refused to provide an operator ID, Refused to identify which city the call center is located within XXXX, refused to answer basic question about the company or Transunion as a corporation. When XXXX got on the line she said only, " this is XXXX, I 'm a supervisor ... '' I asked what company she was employed by, and XXXX refused to even identify her employer. Based on Transunion 's website the information should have been : TransUnion XXXX XXXX ( Formerly : XXXX XXXX XXXX ( XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX - XXXX Tel : XXXX XXXX XXXX XXXX XXXX XXXX.
But the operator refused to identify any information. XXXX also advised she could not transfer me to a U.S. based call-center. My call was originally about the mis-reporting of a closed account by Transunion but has now, following my interaction with the third party call-center for Transunion, makes me concerned the alleged representative may have ill-intent. With the current climate and the bureaus breaching the trust of millions of individuals the idea of speaking with anyone who can not answer generally searchable information about their alleged company makes seems like a major red flag.

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 2017-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Good morning, this is my third time trying to solve this issue with XXXX and XXXX  they have to be the two worst company on this planet, they are irresponsible, arrogant, do n't care about customers, they take their time to respond to customers.
They are reporting inquiries on my credit report which I never applied for any product, I have a vehicle so I do n't need a car loan and I will like to know why I have more than 20 inquiries less than a month that is unfair and I need justice. please help me to sue these companies. please help they are ruining my credit.

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 2017-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Good morning, this is my third time trying to solve this issue with XXXX and Experian they have to be the two worst company on this planet, they are irresponsible, arrogant, do n't care about customers, they take their time to respond to customers. 
They are reporting inquiries on my credit report which I never applied for any product, I have a vehicle so I do n't need a car loan and I will like to know why I have more than 20 inquiries less than a month that is unfair and I need justice. please help me to sue these companies. please help they are ruining my credit.

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 2017-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Sent a certified letter on XXXX2017 to XXXX regarding validity of debt on my report. I have not heard from them. I did not receive knowledge of letter or any results. I expect all information to be removed. 

Disputed previously the spelling of my name, incorrect address and it was not removed. 

I sent 2 other letter requesting the same information from Transunion and 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 2017-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Sent a certified letter on XXXX2017 to XXXX regarding validity of debt on my report. I have not heard from them. I did not receive knowledge of letter or any results. I expect all information to be removed. 

Disputed previously the spelling of my name, incorrect address and it was not removed. 

I sent 2 other letter requesting the same information from XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
On XXXX XXXX, XXXX I completed a XXXX XXXX XXXX application with TD Bank ( US ) store # XXXX. I subsequently received notification that the loan amount requested was denied and an alternative amount was offered at a much higher interest rate and much less favorable terms. Upon looking into this matter it was revealed that the appraisal on my property was factually incorrect and that contributed to the issue above. Specifically the appraisal did not include an additional bedroom/bathroom in the home and was also understated in terms of livable square footage. Upon my notifying TD Bank they stated that their policy is not to do a reappraisal unless I could prove the house was 10 % larger than what they valued it at. I conveyed to the bank that this was unfair ( if not against fair lending regulations ) and I requested that this matter be escalated to senior management. After weeks and eventually months of back and forth with the bank, including providing photos, copy of building permit application information ( including square square footage calculations ), copy of town final inspection/live able approval, and other requested documentation I was informed that the bank would not correct the appraisal for an accurate valuation of my property. They reverted back to their subjective policy of putting the burden on me the consumer of demonstrating that the original valuation was understated by 10 % or more in terms of square footage which put me in an impossible circumstance since the original appraisal was within 10 % of the square footage but did not include the correct number of bedrooms/bathrooms and was still understated on the square footage - factors which are a core valuation input and which will make a material difference in the qualified loan amount. I was informed of this final decision on XXXX XXXX, XXXX. I have a current XXXX XXXX XXXX with the bank that is XXXX the amount they counter offered I have a perfect payment history and a credit score that is over XXXX per the TD Bank own credit check and records on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: NC

Complaint narrative:
This complaint is to inform you that I recently received a copy of my credit report from XXXX, XXXX and XXXX, that publishes information that Pro Collect Inc reports on my credit file and after reviewing it I found a number of items on the report that are inaccurate. The original creditor which was XXXX XXXX XXXX sold this debt to Pro Collect Inc ( a collection agency ), XXXX XXXX XXXX also wrote off this debt in the amount of {$3000.00} and {$560.00} on their taxes which wrote off my obligation to pay. The original contract between XXXX XXXX XXXX homes and myself was cancelled. I have no obligation and no contract with Pro Collect. Please remove this debt from my credit file.By publishing these inaccurate and unverified items on my credit report you are damaging my reputation and credit worthiness.

Company response to consumer: Closed with explanation