vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-30 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: Clarity Services
State: PA

Complaint narrative:
XXXX XXXX on behalf of Clarity Services appears on my credit file as a pay day loan company in which I have not applied or requested no loan on loan. It seems to be some scam going on with XXXX   and Clarity Services to get people to do on line pay day loans. I'm filing a complaint with the US Attorney as well as the UD Justice Department on Clarity and XXXX and XXXX XXXX. There seems to be a pattern with Clarity Services on my credit report I'm opt out for promotional or marketing on my credit file. XXXX seems to be violating my OPT out rights. I'm not trying to her no XXXX about this and that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 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: PA

Complaint narrative:
XXXX XXXX on behalf of XXXX XXXX appears on my credit file as a pay day loan company in which I have not applied or requested no loan on loan. It seems to be some scam going on with Experian and XXXX XXXX to get people to do on line pay day loans. I'm filing a complaint with the US Attorney as well as the UD Justice Department on Clarity and Experian and XXXX XXXX. There seems to be a pattern with XXXX XXXX on my credit report I'm opt out for promotional or marketing on my credit file. Experian seems to be violating my OPT out rights. I'm not trying to her no XXXX about this and that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-30 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: AZ

Complaint narrative:
Called Experian on XX/XX/2018 to find out why there was freeze without consent on my credit bureau. After being on the phone with them several times ; the agent finally told me that the pin number associated with my credit file was being mixed with someone else 's credit file. 

They have no idea how long this was going on and the agent told me he could not fix the error on his end because the systems were down. I told him they were ruining peoples lives doing stuff like this and he agreed and apologized, but, again said there was nothing he could do. 

This means my credit scores were being mixed with someone else and i have NO IDEA WHAT THEIR CREDIT IS LIKE! I was being turned down by different companies who used experian as their default company to check credit and was not understanding why i was being turned down, because everything on my credit report as far as i was concerned was perfect. It wasn't until i became aware of these developments, that everything started to make sense and the individual on the phone actually agreed with me in stating that this was affecting my credit report neagatively since our reports were being mixed together. 

I consider this fraudulent practices/behavior and i demand immediate reconciliation from experian and I might even consider legal repercussions because i am aware of my rights under the FCRA laws, and this is a blatant disregard of said laws and i know under these circumstance that i could be eligile for financial restitution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

Bankruptcy chapter XXXX-dismissed Reference XXXX ( Experian, XXXX, XXXX ), Bankruptcy chapter XXXX-dismissed Reference XXXX ( XXXX, Experian, XXXX ), XXXX XXXX XXXX XXXX Account # XXXX ( Experian, XXXX ), XXXX XXXX XXXX Acct XXXX ( Experian, XXXX   ), XXXX XXXX XXXX Acct XXXX ( Experian, XXXX, XXXX ), XXXX XXXX Acct XXXX ( Experian ), XXXX XXXX XXXX  Acct XXXX ( Experian, XXXX ), XXXX XXXX Acct XXXX ( XXXX, XXXX, Experian ), XXXX XXXX XXXX Acct XXXX ( XXXX ), XXXX XXXX Acct XXXX ( XXXX, XXXX ), XXXX XXXX XXXX XXXX XXXX  Acct XXXX ( XXXX ), XXXX XXXX XXXX Acct XXXX ( XXXX ), XXXX   Acct 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 non-monetary relief
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: GA

Complaint narrative:
My identity was stolen and i have been trying to work with the Credit bureau and th collection agency but have not been getting any assistance or response

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: IN

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX XXXX ) Card received XX/XX/2018 Offer said : " Unlimited 2 % Cash Back '' " No Annual Fee '' " Earn {$150.00} Bonus Cash Back After you spend {$1500.00} in eligible net purchases within 90 days of account opening '' I spent over {$1500.00} within 30 days. The 90 days has passed. I never received the bonus. 

XXXX contacted. Their reply is that they will not give me the bonus that was promised. 

This is fraudulent business practice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-30 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: Clarity Services
State: PA

Complaint narrative:
XXXX XXXX XXXX appears on behalf of Clarity Services INC in which I have not applied for nor ask for any web or online pay day loan. I'm also filing a complaint with the XXXX Attorney office as well as the justice Department on American Web. My credit file with XXXX  is opt out on marketing and offers etc. I have not ask or want any pay day loan. It seems like a lot of fraud on XXXX part by Clarity being a part of them. It also seems your targeting people for high loans and a big scam on all parties take your XXXX   else where and no you been filed on several agency.I 'm also filing a police report on this company XXXX as well as Clarity Services Inc

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 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: PA

Complaint narrative:
XXXX XXXX loan appears on behalf of XXXX XXXX XXXX in which I have not applied for nor ask for any web or online pay day loan. I'm also filing a complaint with the US Attorney office as well as the justice Department on American Web. My credit file with Experian is opt out on marketing and offers etc. I have not ask or want any pay day loan. It seems like a lot of fraud on Experian part by XXXX  being a part of them. It also seems your targeting people for high loans and a big scam on all parties take your XXXX else where and no you been filed on several agency.I 'm also filing a police report on this company Experian as well as 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 2018-08-30 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

Bankruptcy chapter XXXX-dismissed Reference XXXX ( XXXX, XXXXx, Transunion ), Bankruptcy chapter XXXX-dismissed Reference XXXX ( XXXX, XXXX, Transunion ), XXXX XXXX XXXX XXXX Account # XXXX ( XXXX, Transunion ), XXXX XXXX XXXXXXXX Acct XXXX ( XXXX, XXXX ), XXXX XXXX XXXX Acct XXXX ( XXXX, XXXX, Transunion ), XXXX XXXX Acct XXXX ( XXXX ), XXXX XXXX XXXX Acct XXXX ( XXXX, XXXX ), XXXX XXXX Acct XXXX ( XXXX, Transunion, XXXX ), XXXX XXXX XXXX Acct XXXX ( XXXX ), XXXX XXXX Acct XXXX ( XXXX, Transunion ), XXXX XXXX XXXX XXXX XXXX Acct XXXX ( XXXX ), XXXX XXXX XXXX Acct XXXX ( Transunion ), XXXX Acct XXXX ( Transunion ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

Bankruptcy chapter XXXX-dismissed Reference XXXX ( XXXX, Equifax, XXXX ), Bankruptcy chapter XXXX-dismissed Reference XXXX ( Equifax, XXXX, XXXX ), XXXX XXXX XXXX XXXX Account # XXXX ( XXXX, XXXX ), XXXX XXXX XXXX Acct XXXX ( XXXX, Equifax ), XXXX XXXX XXXX Acct XXXX ( XXXX, Equifax, XXXX ), XXXX XXXX Acct   XXXX ( XXXX ), XXXX XXXX XXXX Acct XXXX ( XXXX, Equifax ), XXXX XXXX Acct   XXXX ( Equifax, XXXX, XXXX ), XXXX XXXX XXXX Acct XXXX ( Equifax ),  XXXX XXXX Acct XXXX ( Equifax, XXXX ), XXXX XXXX XXXX XXXX XXXX Acct XXXX ( Equifax ), XXXX XXXX XXXX Acct XXXX ( XXXX  ), XXXX Acct  XXXX ( XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
Ocwen loan company has received several modification request alongside hardship request from me. For some reason they have the idea that a property owner can not redeem their property from foreclosure proceedings. 
This company has not taken all the steps to ensure that all homeowner laws have been abided by and the buyer should be aware of their deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
Diversified has input an account onto my credit file that I am unaware of. I have never had any debt for the amount of {$1800.00} nor have I ever even heard of Diversified Consultants up until now. Diversified has never contacted to inform me of this alleged debt or to give me the right of disputing the validity of this alleged account. I am a victim of identity theft and this account is a direct result of identity theft. I have never had any dealings with Diversified or any company that they represent. I have never had a contract or obligations that would suggest that I owe Diverisied any monies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION
State: PA

Complaint narrative:
Transaction reference # XXXX Amount {$11000.00} Date : XX/XX/2018Transaction reference # XXXX Amount {$100.00} Date : XX/XX/2018 The promise on the Xoom website is to transfer money instantly. When I called them they did talk about the limits which should be less than {$10000.00}. But in one of the above cases it is only $ XXXX.Then they told me about bank providers taking time to clear the amount. If that is true then that should be the same process and same time for all the bank account related transfers. My question was " How can they commit instant transfer, when they do not have any control on that? '' The advertisement on their website misled me in believing that it would be an instant transfer and my plans were hinged on that. I have suffered severe losses for not being able to get the money on time.

Attached are 3 different transaction of 3 different amount which were all delayed for unforeseen reasons not mentioned in the website.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: NC

Complaint narrative:
I have no contract with this creditor, nor do I have any knowledge of this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
Issue with XXXX XXXX Mastercard The store card offered me 0 % interest rate for 18 months and i opted for the following 2 payments XX/XX/XXXX - {$3900.00} - 0 % till XX/XX/XXXX On XX/XX/XXXX the above payment was reversed and changed to " Charge Adjustment '' with 25.24 % APR. 
Since then i have been calling during every statement date and discussed about the issue and no one seem to be getting it right and so far close to {$380.00} was charged as interest which should not be. 

I sent the required documents, explained over phone and in secure message center. 

No action is taken so far.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-30 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:
XXXX XXXX has tagged me with a phantom account and reported it to XXXX, Equifax and XXXX. I've sent each of the credit bureaus a certified letter asking them to validate this account ownership with XXXX XXXX and they have not! I also asked for the procedure used to determine the accurancy and completeness of the information for this phantom account. 

I'm having low credit rating with XXXX, Equifax, because of this phantom account that is reported closed on XX/XX/XXXX yet it's reporting a late payment on XX/XX/XXXX and a Charge Off on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 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:
XXXX XXXX has tagged me with a phantom account and reported it to XXXX, XXXX and Experian. I've sent each of the credit bureaus a certified letter asking them to validate this account ownership with XXXX XXXX and they have not! I also asked for the procedure used to determine the accurancy and completeness of the information for this phantom account. 

I'm having low credit rating with XXXX, XXXX, because of this phantom account that is reported closed on XX/XX/XXXX yet it's reporting a late payment on XX/XX/XXXX and a Charge Off on 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 2018-08-30 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: DISCOVER BANK
State: TN

Complaint narrative:
In the last ten days my credit report with Discover Student Loans has read three different things. The last one is the most damaging.I believe this is in retaliation for me disputing the credit report and asking them to validate the information. They are behaving in a malicious manner. I believe Discover Student Loans is trying to keep me from asking information that is within my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: IL

Complaint narrative:
US Bank is reporting inaccurate information on my credit report by the fact that each bureau is reporting different monthly payment amount. Information is not matching and is not accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 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: CT

Complaint narrative:
While applying for a Home Equity Line of Credit with XXXX XXXX XXXX, I noticed they performed 5 Hard Inquiries on my credit on the same date! XX/XX/2017. Totally unnecessary. These many inquiries affected my credit score. It takes 2 years for them to go away.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Hello Team, I have mortgage loan with PNC bank which is recently transferred from XXXX. My complaint is regarding the PMI removal from my loan. I closed my loan originally with XXXXXXXX XXXX and that time they mentioned me that my PMI will automatically be removed whenever my LTV resches to 78 % so I made additional principal payments and now when I requested bank to remove the same they are asking to do appraisal and as per their document the appraisal value should come to more than my buying price of the property. 
Please find attached document for your reference. 
Original Loan Amount : {$330000.00} Current value : {$290000.00} Whenever I try to call customer care they give different answers and not willing to remove my PMI insurance even this is mentioned in my loan. Please help to resolve this issue. 

Regards XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
My credit monitoring account showed a debt collection from TRANSWORLD SYSTEMS INC at {$160.00}. Not once has a company given me a written notice or a bill of such telling me anything had to be paid. They have no proof of any notice because none was sent to me. This needs to be fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i am a XXXX XXXX year old consumer Enclosed A COPY OF MY XXXX AND EQUIFAX credit report which is enclosed showed that the follwing debts are paid and closed yet they still are trying to collect money from me 10 years in the making. I HAVE ENCLOSED A COPY OF THE EQUIFAX REPORT ON XXXX CREDIT REPORT ARE XXXX XXXX XXXX, XXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX   ( CLOSED ) Summary XX/XX/XXXX XXXX XXXX XXXX ( CLOSED ) Summary XX/XX/XXXX XXXX XXXX XXXXXXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXX ( CLOSED )XX/XX/XXXX XXXX XXXX XXXXXXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXX ( CLOSE XX/XX/XXXX XXXX XXXX XXXX ( CLOSED ) XX/XX/XXXX XXXX ( CLOSED ) i never lived at the following addressesi have yold this to equifax in the past and these are still appearing on my report please asked them to removed. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX Former XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL   XXXX Former XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX, FL XXXX Former XX/XX/XXXX They inquiries are preventing me from geting the needed medical care this is wrong please have them removed. 

Date Company Request Originator XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UT  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , FL  XXXX

Company response to consumer: Closed with non-monetary relief