vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: NE

Complaint narrative:
XXXX XXXX XXXX has harassed us at the phone number XXXX phone/caption call for months and months and 7 days a week 24 hours a day asking for someone who has never lived at this address and we do not know this individual and have told them this and they refuse to stop harassing us over her not repaying her college loan or that is what they are claiming. I have explained that my mom is almost XXXX XXXX and with hearing impairment and I have had XXXX XXXX but they say they will stop calling us and take our number off their list but do stop this continued harrassment and continue to call all hours and wake us up at night and continue to demand to speak to an individual whom we do not know, some refuse to stop calling us. This is totally unprofessional and is harassment. We do not owe any student loans nor do we know the person they continue to call and harass us over.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
fraud inquiries not authorized from XXXX XXXX DATED XX/XX/19 AND XX/XX/2019 from XXXX XXXX XX/XX/2019 from XXXX XXXX XX/XX/2019 TWICE from XXXX XXXX XX/XX/2019 from XXXX XXXX XX/XX/2019 and XXXX XXXX XX/XX/2019 all need to be remmoved from credit 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 2019-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I have been getting multiple calls daily on 1 missed payment on my care credit from synchony bank. I understand i am late and this is due to health issues and i intend to make the payment as soon as i get funds. I normally won't complain but at this point they are calling my cell phone during work hours and later in the evening. I tend to work a really early shift and go to bed early and this is starting to affect my work schedule. It is unacceptable for the daily calls. On top of that they also tend to call from a restricted number that pops up under the name of someone under my contacts.

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 2019-10-06 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: VA

Complaint narrative:
Noticed fraudulent inquires on my XXXX, Transunion, and XXXX reports. Have mailed in multiple dispute and still see the inaccurate/fraud inquires, TransUnion Inquiries 1. XXXX 2. XXXX 3, XXXX 4 XXXX XXXX Inquiries 1.XXXX 2 . XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6,  XXXX 7. XXXX XXXX 8. XXXX XXXX 9, XXXX XXXX 10. XXXX XXXX   11. XXXX 12. XXXX XXXX XXXX XXXX Inquires 1.XXXX XXXX 2. XXXX XXXX XXXX 3.XXXX 4.XXXX XXXX 5 , XXXX XXXX 6.XXXX XXXX 7.  XXXX XXXX XXXX 8. XXXX XXXX 9. XXXX XXXX 10.XXXX 11 . 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 2019-10-06 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:
Noticed fraudulent inquires on my XXXX, XXXX, and Equifax reports. Have mailed in multiple dispute and still see the inaccurate/fraud inquires, XXXX XXXX 1. XXXX/XXXX 2.  XXXX 3, XXXX 4 XXXX Equifax Inquiries 1.XXXX  2 . XXXX   XXXX  3. XXXX  XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6,  XXXX 7. XXXX  XXXX  8. XXXX XXXX 9, XXXX XXXX 10. XXXXXXXX XXXX 11. XXXX 12. XXXX XXXX  XXXX  XXXX XXXX 1.XXXX XXXX 2. XXXX XXXX XXXX 3.XXXX/XXXX 4.XXXX XXXX 5 , XXXX XXXX 6.XXXX XXXX  7. XXXX XXXX XXXX 8.  XXXX XXXX 9. XXXX XXXX XXXX 11 . XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-06 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:
In my husband 's CFPB complaint XXXX ( XXXX XXXX ), he stated : TransUnion continues to include on their credit reports a XXXX home equity line of credit ( HELOC ) account that was included in a Chapter XXXX bankruptcy that was filed over 7 years ago. Based on the Chapter XXXX filing date of XX/XX/XXXX, this item should no longer appear on his credit reports and should have been removed 7 years after the Chapter XXXX bankruptcy filing date. To make matters even worse, the TransUnion credit reports state that the account will stay on the reports until XXXX which is over 12 years after we filed for Chapter XXXX bankruptcy and perhaps coincidentally almost exactly 7 years after our Chapter XXXX was discharged. 

Via his CFPB complaint, my husband successfully had the XXXX HELOC removed from his credit report. As the HELOC account was a joint account with me and husband and the Chapter XXXX bankruptcy was a joint bankruptcy with me and my husband, I am in the same exact situation as my husband. Thus, as with my husband 's credit reports, the XXXX XXXX should be removed from my credit reports.

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 2019-10-06 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: Nelnet, Inc.
State: OH

Complaint narrative:
XX/XX/2019 I got a notice from XXXX. my credit fell 194 in one day. I contacted First Mark. I learned they show me as a cosigner on three loans. The operator said the signatures look nothing alike. How can First Mark accept a signature for a large loan without checking the previous signature and requiring a notarized signature. I want my credit restored, the late debt has since been paid by the owner of the loans. I want to be removed as a cosigner. I have contacted XXXX, XXXX, and First Mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 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:
if noticed i am a victim of identity fraud with the accounts listed below XXXX   XXXX XXXX XXXX XXXX Last reported XX/XX/2019 {$580.00} Reported balance XXXX   XXXX XXXX Last reported XX/XX/2019 {$900.00} Open balance 01 XXXX XXXX Original creditor XXXX XXXX Last reported XX/XX/2019 {$680.00} Open balance 11 XXXX Original creditor

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 2019-10-06 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: OH

Complaint narrative:
XX/XX/2019 I got a notice from XXXX. my credit fell 194 in one day. I contacted XXXX XXXX. I learned they show me as a cosigner on three loans. The operator said the signatures look nothing alike. How can XXXX XXXX accept a signature for a large loan without checking the previous signature and requiring a notarized signature. I want my credit restored, the late debt has since been paid by the owner of the loans. I want to be removed as a cosigner. I have contacted TransUnion, 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 2019-10-06 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: OH

Complaint narrative:
XX/XX/2019 I got a notice from XXXX. my credit fell 194 in one day. I contacted XXXX XXXX. I learned they show me as a cosigner on three loans. The operator said the signatures look nothing alike. How can XXXX XXXX accept a signature for a large loan without checking the previous signature and requiring a notarized signature. I want my credit restored, the late debt has since been paid by the owner of the loans. I want to be removed as a cosigner. I have contacted XXXX, Equifax, and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-06 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: DE

Complaint narrative:
These Inquiries are Fraud not Authorized are TRANSUNION. XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX/XXXX/XXXX and XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX ... XXXX ARE. XXXX XXXX XXXX dates XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX also XXXX XXXX XXXX XX/XX/XXXX also XXXX XXXX XXXX XX/XX/XXXX also XXXX XXXX XXXX XX/XX/XXXX also XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XX/XX/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 2019-10-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
TJ MAXX Credit card, I went ahead and submitted a request regarding charges from an imperfect produce, the charges were all credited, at the time of the request. A new card was issued with new number. Now here we are 3 -4 mos later and the card re charged all the charges to the new card. Added it to my balance. I have not received imperfect produce, other than the introductory 1 box - which I had explained. And because of that they refuse to remove the charges/ when I call the credit company Synchrony they state they are transferring me to another dept and then I get cut off. Assist 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 monetary relief
Consumer complaint received 2019-10-06 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: DE

Complaint narrative:
These Inquiries are Fraud not Authorized are XXXX. XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX/XXXX/XXXX and XXXX XXXX  XX/XX/XXXX and XXXX XXXX  XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX ... EQUIFAX ARE. XXXX   XXXX target dates XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX also XXXX XXXX  XXXX XX/XX/XXXX also XXXX  XXXX  XXXX XX/XX/XXXX also XXXX XXXX XXXX XX/XX/XXXX also XXXX XXXX   XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-06 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:
if noticed i am a victim of identity fraud with the accounts listed below XXXX  XXXX XXXX XXXX XXXX Last reported XX/XX/2019 {$580.00} Reported balance XXXX  XXXX XXXX Last reported XX/XX/2019 {$900.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX Last reported XX/XX/2019 {$680.00} Open balance XXXX XXXX  Original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 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:
if noticed i am a victim of identity fraud with the accounts listed below XXXX  XXXX XXXX  XXXX XXXX Last reported XX/XX/2019 {$580.00} Reported balance XXXX XXXX XXXX Last reported XX/XX/2019 {$900.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX Last reported XX/XX/2019 {$680.00} Open balance XXXX XXXX  Original creditor

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 2019-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: United Student Loan Assistance Center
State: TX

Complaint narrative:
I received a call from United Student Assistance Center. XXXX was the representative and already knew my name and I meant to reach out to see how to qualify for a loan forgiveness program. I went through the process and he proceeded to ask for money after already telling me I qualified for a {$0.00} 240 month payment forgiveness program after making 3 payments of $ XXXX.He strategically used the fact that my debt was {$51000.00} and {$600.00} is nothing compared to that. It made somewhat sense at that time assuming the funds would go toward payments. I managed to give him my card number which I can deactivate at any time I don't even use that account much at all so I wasn't worried about it I start my part time job next week so I used that information I had him push the payment back 3 weeks enough time to investigate and see how legit this was despite him making it seem ok on the phone. After researching a bit I saw they were a real company but they aren't exactly squeaky clean business wise. I have been looking to options directly with the H.E.L.P. team and I plan to pay off these loans by 2025. I do not like scammers I was really trying to explain I was behind on bills and need until XXXX then he said I can reschedule the payment with no issues then after the contract was done he told me about the {$10.00} reschedule fee. He tries to guarantee it wasn't a scam but judging from the research I've done it definitely is.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I bought I saxophone, last year XXXX. Sort time after I called the company who sold telling them the sax had a defect, the woodwind brass said the only thing they could do is a claim, the guy that helped me said I had to wait for a resolution, sort after I received a another sax I called right way and asked since they sad that one, I would rather get a a better one a pay the difference, they never really asked me to return the item, I looked online and my account t was not saying tor return the broken one, I return the second one they send without open, and purshase a brand new one better, after almost 6 months I was looking at my emails and they were saying that was brought to their attention that I never return the saxophone, i have returned the one they asked me, the broken one they never send me any message saying that I should return, they send me email saying that I should pack and send to them they will send me a label, I told them I did not had any box or anything, I asked several time to send me a prepaid box so I can send back, they never did, now I have a debt collector calling me, first when they send the second saxophone because they never asked me to send the broken one I thought I was suppose to trow away because was not working. 
Anyway the company never asked me to send anything back, and after almost 6 month they want me to return The status under my order says returned

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 2019-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: General Motors Financial Company, Inc.
State: KY

Complaint narrative:
False Reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Well I have a capital one secure credit card that I open back on XX/XX/2018. Never been late for payments, actually balance from XXXX credit is only XXXX and they closed and RESTRICTED my account for no reason. 
Everytime I call they say they cant provide me with any info as for the current status of restriction on the account but they DONT TELL ME WHY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
The loan company has the car and when I got divorced it is in our divorce paper my ex-husband is solely responsible for it all and i tried to change it over but the company has yet to do that. And it was agreed to be taken off my credit report. And it hasnt be done so yet.

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 2019-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: GA

Complaint narrative:
I am going through a divorce and the virtual currency has been discovered and now documents are going to be supeona. Can you help me understand and where to look to retrieve all the currencies and any transactions. The funds was hidden but they now have been found Any advice would help. Address is XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Two credit accounts including a Mastercard and a XXXX XXXX account were opened in my name on or around XXXX of XXXX, a Capital One 360 checking account was opened prior in XXXX, also a result of data breach. I need statement copies for both credit accounts as well as the checking account, these documents are needed to provide to the attorney representing me in the data breach suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
This co. was nice up to the point I paid them off. I tried to call back to find out when they would notify XXXX so I could get my service set up with my new move. They assured me a number of times which was a lie, that XXXX would " automatically '' be notified once I used my debit card to pay the debt. Well that was a false statement made by them! The office I went to in XXXX, CA did not have that info on their system & tried to charge me a deposit because of it. I told them what happened, the rep gave me her info for them to fax proof of payment or email it to her. They declined to do both, became very argumentative & declined to send anything to their client - XXXX to prove I paid the debt so I could have my service set up. It's a good thing I am an honest person, because the lady I dealt with set up the service & eventually verified it with her collection dept. She also confirmed they never sent her anything. I spoke to a manager who was super rude & argued with me about his co. 's policy. I checked my email blocked list & found I blocked them because they kept sending me emails they were not authorized to send by me. So I never got the proof of payment because of that. They were very nice & cordial up to the point of getting paid. Once they got paid their attitude changed and they turned rude. They refused to assist me when I told them I paid the account. They said if I didn't owe anything they had no reason to acknowledge my requests. Who does that?! All I wanted to do was get the proof of payment so I could present it to XXXX. I was told I'd get it in the mail, guess what I got? NOTHING!! So they lied and likely never tried to send it to my email address either. If they didn't get something stating the email address of theirs was blocked, which it was, then they're lying again, they never tried to or sent me any proof of payment. I'm officially demanding it now & want it on record about their bad behavior after they were paid. Lying doesn't really get anyone very far and they lied & purposely complicated my business with XXXX making it difficult for us to schedule my services. I went 5 full days without services of any kind until we got proof of the payment settled. I didn't appreciate it then and still don't.

Company response to consumer: Closed with explanation