vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-25 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: WA

Complaint narrative:
I have contacted all 3 credit bureaus regarding multiple credit inquiries on my credit reports that I did not authorize, but the agencies will not remove any of them!! This is hurting my credit tremendously for any credit that I may actually need!! They even put fraud alert on my credit reports after my initial complaint of unauthorized inquiries, but I am still getting multiple new credit inquiries weekly!! The few that I have applied for, the credit card companies have actually made me call in and answer questions that are from my bureau reports that only I should know the answer to. I would like all inquiries removed ASAP, as I am tired of calling and making disputes online with no success.

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 2018-01-25 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
TransUnion has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX ****XXXX XXXX XXXX ****XXXX XXXX ****XXXX  XXXX ****XXXX XXXX XXXX XXXX XXXX XXXX ****XXXX XXXX XXXX XXXX XXXX XXXX ****XXXX {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ****XXXX  {$810.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ****XXXX {$830.00} ****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 2018-01-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
On XXXX XXXX, 2018, I called Ideal Collection Service, XXXX regarding an account I noticed on my credit. I spoke with someone named XXXX, ( last name was not provided ) and when I advised her I was not aware of any lease in my name and that I planned to put the matter in dispute. She then advised me that the only way I could dispute the debt per federal law was to report the matter as fraud to my local authorities and then provide her company a copy of this police report in order to have the debt investigated and removed from my credit. When I asked her what federal law this was applicable under, she refused to provide me that information and told me I would have to find out myself. She then proceeded to be very rude and unhelpful in providing any additional information regarding the account. I then requested to speak with a manager, she told me she was the manager and refused to allow me to speak to anyone else at the company who may have been helpful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 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: AZ

Complaint narrative:
I contacted XXXX about this issue, they show multiple inquiries in reference to purchases I made. eg : I purchased a car from XXXX XXXX XXXX ... ..3 inquiries hit my credit record for one purchase. This has happened on many of the items I 've purchased. So now my credit report shows 3 to 1 ratio ( inquiries I made to the ones that actually hit my credit record ) on many of the purchases I 've made. Now I ca n't get credit and my Bank ... ..XXXX XXXX XXXX is reducing my credit because of these additional inquiries. I 've talked with XXXX  twice about this and they refuse to delete the additional inquiries so that they reflect what actually occurred. They said it 's not up to them? I asked : who then? They said they will drop in 3-7 years ... ... ..not acceptable as I 'm denied credit in the interim. 

There were also several inquiries made on my credit report that I did n't even recognize. They would n't do anything about them either. 

TransUnion and XXXX were contacted because of the same issue and all 3 still report similar information in error.

I make a six figure income, have well over 750 credit score and pay my bills on-time ... .NO LATE PAYMENTS EVER ... ..yet I ca n't get credit .... 


What can I do about this legally? Can CFPB help 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 2018-01-25 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: AZ

Complaint narrative:
I contacted XXXX about this issue, they show multiple inquiries in reference to purchases I made. eg : I purchased a car from XXXX XXXX XXXX ... ..3 inquiries hit my credit record for one purchase. This has happened on many of the items I 've purchased. So now my credit report shows 3 to 1 ratio ( inquiries I made to the ones that actually hit my credit record ) on many of the purchases I 've made. Now I ca n't get credit and my Bank ... ..XXXX XXXX XXXXXXXX is reducing my credit because of these additional inquiries. I 've talked with XXXX  twice about this and they refuse to delete the additional inquiries so that they reflect what actually occurred. They said it 's not up to them? I asked : who then? They said they will drop in 3-7 years ... ... ..not acceptable as I 'm denied credit in the interim. 

There were also several inquiries made on my credit report that I did n't even recognize. They would n't do anything about them either.

XXXX and Experian were contacted because of the same issue and all 3 still report similar information in error.

I make a six figure income, have well over 750 credit score and pay my bills on-time ... .NO LATE PAYMENTS EVER ... ..yet I ca n't get credit ....

What can I do about this legally? Can CFPB help 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 2018-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: John C. Heath, Attorney at Law, PLLC
State: CA

Complaint narrative:
I placed a complaint yesterday though CFPB and now it has gotten even worse. The company I placed the complaint on has appointed a man named XXXX XXXX to my complaint. I have asked him respectfully to add my number to their internal DO NOT CALL list and to stop emailing me. He insist in not doing so until I give him ALL the numbers I 've been getting calls from. It is difficult to give him all the numbers I 've been called from when the cell phone they call me to is my work cell and I do n't save the numbers that call me. Please, make them leave me alone. Their continued calls and emails are give me XXXX XXXX and causing XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 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: BMO BANK NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Hello, I previously had a credit card account with XXXX XXXX XXXXXXXX. XXXX XXXX closed my account, without providing a reason, about 2 years ago. I had paid the credit balance in full each month. According to my last statement, I had XXXX reward points in my account. XXXX XXXX advertises to this day that your points do not expire. However, when I recently tried to redeem those points, I was told that I only had 60 days from the date that they closed my account to transfer those points. No one from XXXX XXXX informed me of this when they closed my card. In fact, XXXX XXXX did not so much as call me to notify me that the card would be closed and what my options would be. As I understand it, they closed a lot of their U.S.-based cards at the same time, again without notice. 

The XXXX points is worth more than {$1000.00} when transferred to XXXX XXXX. It is grossly unfair, and I believe illegal, for XXXX XXXX  to make a profit from the transactions on my account, provide reward points in exchange, and when the point total becomes too large, cancel my card and recoup the unused points. All without any notice to me. I have contacted XXXX XXXX and spoken with both the rewards department as well as the customer service department, and they refuse to adjust my reward point balance. Please help in any way you can. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: World Acceptance Corporation
State: OK

Complaint narrative:
World Acceptance keeps hitting my credit report from PAID OFF loans from XXXX. I am trying to get my credit cleaned up and this is not helping my score. I want them to stop reporting old information on me. I called their cooperate office and left a voice mail and got no response. I waited about three weeks before calling the local branch here in XXXX OK where I was told someone would get back with me but I have yet to hear back from them. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 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: WA

Complaint narrative:
I have contacted all 3 credit bureaus regarding multiple credit inquiries on my credit reports that I did not authorize, but the agencies will not remove any of them!! This is hurting my credit tremendously for any credit that I may actually need!! They even put fraud alert on my credit reports after my initial complaint of unauthorized inquiries, but I am still getting multiple new credit inquiries weekly!! The few that I have applied for, the credit card companies have actually made me call in and answer questions that are from my bureau reports that only I should know the answer to. I would like all inquiries removed ASAP, as I am tired of calling and making disputes online with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 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: WA

Complaint narrative:
I have contacted all 3 credit bureaus regarding multiple credit inquiries on my credit reports that I did not authorize, but the agencies will not remove any of them!! This is hurting my credit tremendously for any credit that I may actually need!! They even put fraud alert on my credit reports after my initial complaint of unauthorized inquiries, but I am still getting multiple new credit inquiries weekly!! The few that I have applied for, the credit card companies have actually made me call in and answer questions that are from my bureau reports that only I should know the answer to. I would like all inquiries removed ASAP, as I am tired of calling and making disputes online with no success.

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 2018-01-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Ad Astra Recovery Services Inc
State: AL

Complaint narrative:
I spotted the account from Ad Astra on my credit profile and submitted multiple disputes based on incorrect information. 

They wrote me back and told me they had talked to their client and confirmed the information, but they have not provided me paperwork with my signature or confirmed the proper dates. The information is still incorrect and they have made no gestures towards fixing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Mobiloans, LLC
State: MI

Complaint narrative:
Did not realize I had to make payments every 2 weeks. I get paid every month just once and was asked how often I got paid when I opened the loan.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Innovis
State: OK

Complaint narrative:
I have two hard inquiries hitting my credit report that I di not authorize. 

1st XXXX XXXX, PA XXXX ( XXXX ) XXXX 2nd XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Manhattan Beach Venture, LLC
State: NY

Complaint narrative:
I was contacted XXXX/2016 stating that I had to act fast because president obama term was ending. They stated that they could help me repay my loans possibly not paying anything under the Obamas act. I was told that I made so little that I had no payments and that I would be charged $ XXXX mo for their service. They said they would sign me up and take care of all paperwork. I asked if I could cancel at anytime and they said yes. I asked what my apr would be at and they said 2 %. I asked if it would effect my payments when I got married and they said no. They told me that I do not claim my husbands income on the forms. I have been paying $ XXXX/mo for 1.5 years now. I have called and complained about how I have been told wrong info. You can never get a hold of anyone. No one wants to take credit for the information I was given, and come to find out the employee has been fired that soldy me this scam. I asked to be let go and cancel, they told me I still own them {$1100.00}. This company is a scam and ripping off young adults left and right. Someone needs to stop them! 
Company : Manhattan Beach Venture Employee : XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CNG FINANCIAL CORPORATION
State: OH

Complaint narrative:
This company at phone number XXXX ( XXXX ) XXXX contacted me XX/XX/18 and left a voicemail. They then contacted two very distant out of state family members I dont even speak to saying they were investigating me for fraud. I called the woman and she advised me I had committed bank fraud because I took a cash advance out five years ago, paid it all off but {$200.00} and had changed banks. I didnt hear from anyone since and forgot about it. I didnt deny having this debt. I told her that I had XXXX XXXX XXXX now and am on XXXX and no longer can work, that I have no home, no car and no means to pay for this debt in full right now. She told me that she sees Im a XXXX  and they will take my XXXX license. I told her Im XXXX so it doesnt matter but they cant do that either way. She said she was sending the sheriff to arrest me and that I might get medical care in jail possibly. She then said that I was lying about my XXXX XXXX, I was telling her information about a family member to decieve her and that there was nothing wrong with me and youre not even sick let alone XXXX. I hung up. I called back and asked for her supervisor. She said shes the supervisor in that office. I said I wanted the supervisor not in that office, that everyone has a boss. She refused. I said I dont know how this went so ugly, I just want to know what I can do to rectify this situation. She said I was past that and now it was just when Im going to jail. She told me again Im not sick, Im nothing but a liar, I should be ashamed by myself, Im disgusting and she was sending them out to arrest me for being a liar and hung up. This pushed me into a XXXX   XXXX  XXXX. I know these are terror tactics used to pump people with old debt that has been bought and I will not be bullied but I couldnt even find out what the debt was.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XXXX/XXXX/2018 I attempted to use my personal credit line with them to send a payment and they denied it even though I had the credit with them. They said it was for security reasons and could not over ride it. They would give me no reason why and why I can not use it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have been paying off my loan for over 4 years. The initial disbersement was at {$20000.00} with 10.64 interest rate in XXXX of XXXX, I occurred {$4000.00} of interest from the before making my first payment in XXXX, Ive been paying $ 325+ a  month which works out to more than {$15000.00}. The total amount I still owe on the loan is over {$17000.00}. I just spoke with a rep who said he would escalate the issue since the math doesnt work out. I have also been denied a co-signer release due to my credit score, but most of the money spent on my credit cards in collections was to pay off this exorbitant, overcharged loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 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: NC

Complaint narrative:
I was a victim of inquiry fraud and transunion is failing to remove these inquires off of my report I called and explained the situation that did not help. 

. 
XXXX XXXX XXXX. XXXX, XXXX 2. 
XXXX XXXX XXXX XX/XX/XXXX 3. 
XXXX National Credit Cards/Airlines XX/XX/XXXX 4. 
XXXX Bank XX/XX/XXXX 5. 
XXXX XXXX Bank XX/XX/XXXX 6. 
XXXX Utilities & Fuel XX/XX/XXXX 7. 
XXXX Finance XX/XX/XXXX 8. 
XXXX National Credit Cards/Airlines XX/XX/XXXX 9. 
XXXX XXXX Bank XX/XX/XXXX 10. 
XXXX XXXX Bank 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 2018-01-25 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: LEXISNEXIS
State: IL

Complaint narrative:
LexisNexis has sent a " canned response '' and has failed to provided the requested source of their " verification '' ... Case # XXXX This bankruptcy is inaccurate ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I tried to deposit check into account on XX/XX/XXXX ... ATM stated hold til XX/XX/2018. Upon waiting for check to clear BOA stated they were closing my bank account without notice I inquired as to why their response was my check was fraudulent and could n't be verified bank check was issued from XXXX XXXX XXXXXXXX in which XXXX XXXX XXXX XXXX XXXX gave me the check. I was able to call to verify check thru XXXX XXXX XXXXXXXX. After back n forth calls with BOA they still have n't told me what happens to my money NIR have they stated when I was to receive me funds. I 've lost a lot of gas patience bills are backed up and I dont know what to do.

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 2018-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pinnacle Asset Management, LLC
State: NJ

Complaint narrative:
This debt was from XXXX XXXX. When I first moved into house I 'm in now I wanted to put XXXX in house and I was told by XXXX I could n't until I paid the XXXX XXXX account, so I made a payment agreement and they put XXXX in the house and I paid two XXXX bills at the same time monthly. After 6 months the XXXX XXXX account was paid in full. I do n't owe this account anymore.

Company response to consumer: Untimely response