vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-25 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: CA

Complaint narrative:
On XX/XX/19 I was researching small business loans and filled out a pre-qualifying offer on XXXX  that was advertised as a free soft check. I was alerted immediately that a hard check went through on XXXX. I spent the rest of the night being bounced around to voicemails and various companies including XXXX XXXX to report the error with no response. I found later that my Transunion report had also been hit. XXXX was ran for a home loan mortgage which I never inquired about anywhere, have never owned a home. The following week, I was contacted by a XXXX " loan officer '' who said he couldn't help me reverse the credit pull but would tell me what I qualify for. I proceeded to converse with him for the next couple weeks but he refused to supply me with any XXXX paperwork or forms to complete an application and told me he wouldn't submit an application for a business loan for me unless I provided him my real number accounting books on shared XXXX docs or other unofficial forms. When I refused and asked for an official rejection letter if that was the case, he emailed me a letter that did not even contain my name or full address nor my credit score and the reasons listed for rejection didn't make sense. When I finally got a response from XXXX XXXX  about reversing the hits to my credit, they sent me a form I never filled out for a commercial loan filled partly with info I entered on the website for my free pre-qualifying small business loan rates ( that I never got ) and partly fabricated. The PDF file itself isn't even secure! 

I didn't authorize a hard credit pull and was refused XXXX forms to apply for anything, then was given a phony rejection letter with no credit score and no proof of what I was even inquiring about. The phony authorization says commercial loan, but my credit was run for a home mortgage and I was allegedly rejected for a small business loan? Their website doesn't even advertise home mortgages. This is deceptive marketing and phishing. I was never quoted any fees or terms nor given the name of any of their alleged lending partners by the agent who contacted me. The site reads like XXXX is the lender, but the agent who called me solicited himself as more of a loan packager who shops you around but wouldn't do it unless I gave him all my personal business info with no official contract or company forms, then they show up on your credit reports as various type companies including home mortgages! I requested an official letter stating I did not apply for nor receive or accept any loan offers from XXXX but was ignored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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: CA

Complaint narrative:
On XXXX/XXXX/19 I was researching small business loans and filled out a pre-qualifying offer on XXXX that was advertised as a free soft check. I was alerted immediately that a hard check went through on Experian. I spent the rest of the night being bounced around to voicemails and various companies including XXXX XXXX to report the error with no response. I found later that my XXXX report had also been hit. Experian was ran for a home loan mortgage which I never inquired about anywhere, have never owned a home. The following week, I was contacted by a XXXX " XXXX XXXX '' who said he couldn't help me reverse the credit pull but would tell me what I qualify for. I proceeded to converse with him for the next couple weeks but he refused to supply me with any XXXX paperwork or forms to complete an application and told me he wouldn't submit an application for a business loan for me unless I provided him my real number accounting books on shared XXXX docs or other unofficial forms. When I refused and asked for an official rejection letter if that was the case, he emailed me a letter that did not even contain my name or full address nor my credit score and the reasons listed for rejection didn't make sense. When I finally got a response from XXXX XXXX about reversing the hits to my credit, they sent me a form I never filled out for a commercial loan filled partly with info I entered on the website for my free pre-qualifying small business loan rates ( that I never got ) and partly fabricated. The PDF file itself isn't even secure! 

I didn't authorize a hard credit pull and was refused XXXX forms to apply for anything, then was given a phony rejection letter with no credit score and no proof of what I was even inquiring about. The phony authorization says commercial loan, but my credit was run for a home mortgage and I was allegedly rejected for a small business loan? Their website doesn't even advertise home mortgages. This is deceptive marketing and phishing. I was never quoted any fees or terms nor given the name of any of their alleged lending partners by the agent who contacted me. The site reads like XXXX is the lender, but the agent who called me solicited himself as more of a loan packager who shops you around but wouldn't do it unless I gave him all my personal business info with no official contract or company forms, then they show up on your credit reports as various type companies including home mortgages! I requested an official letter stating I did not apply for nor receive or accept any loan offers from XXXX but was ignored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
CREDITOR CONTACT INFORMATION : NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ACCOUNT # XXXX This account has been closed with the state of New York for several years. The account was finalized in the state of New Hampshire. The account starts XXXX XXXX. However, the state of New York has a standing policy that all paid child support matters bring an automatic deletion on credit bureaus. Accordingly, this account has no standing on my credit report, and it was not even on my credit bureau until XXXX 2018, when it mysteriously appeared on my credit bureau. Now after extensive research I have proved that there was no collection action in the state of New York. Accordingly, this negative item appearing on my Experian report is erroneous and should be deleted permanently. '' DELETE THIS ITEM PERMANENTLY!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I filed a complaint for a card that was opened fraudulently from XXXX. I provided the company with all the information supporting the fraudulent charges and opening of the account. 
I closed the account and after the investigations teamed reviewed it they marked the card valid. 
This is wrong and I would like to dispute this decision.

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 2019-07-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XX/XX/XXXX, I called Kohl 's Credit Card Co. because I didn't receive my bill. I told them I had been ill and was not able to call sooner. I was told they would waive the late fee. The following month I received my statement with the late fee charge, I called and explained waive of late fee in XX/XX/XXXX, but was told I was required to pay it in order to be removed. I explained I had a tight budget because of medical bills and was told i had I believe 10 days to pay it or it would be added again. I paid that fee in a few days to avoid that additional charge. In XX/XX/XXXX, I received my statement and there was a late fee again. I called and once again I was told I had to pay it, to not get another one. I explained I had paid XX/XX/XXXX 's before time allowed but it came upon deaf ears. I called XXXX explaining problem and was told to file a complaint. I did and it was forwarded to the XXXX in the area of the credit card company. I received an email 30 days later from a Kohl 's representative who didn't even address the issue, or even seemed to care about their errors and instead told me I did have to pay. I was allowed to accept or reject this response. I rejected and soon after submitting it, I received an email from XXXX saying the case was considered closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On XX/XX/2019 at XXXX XXXX I purchased three baseball tickets for {$180.00} using Zelle thinking there was some sort of protection for the purchase. Ultimately I was being scammed and there was no recourse available to prevent other consumers from being scammed. Zelle does not even provide an opportunity for the consumer to report fraudulent activity that their service is helping perpetuate. Their automated system hangs up on callers that were not using the app for their service. Even if I was unable to get my money back I wan na do prevent the same fate befalling others. It does not make sense for there not to be a system in place to report fraudulent activity occurring using their service. If an account is flagged they should freeze the account until it can be determined that the person is not performing criminal activities. My XXXX  XXXX directed me to contact zelle claiming an inability to do anything. Both companies claim that they are unable to act anf equate the transaction to cash. The problem becomes that you can report cash thefts to the authorities whereas XXXX and zelle claim to not be the authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One Bank refuses to credit back all credit card charges made to my card, even after merchant did so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
They refuse to open up My business account bc they were not trained to look for certain documents that I used at XXXX, XXXX, XXXX, and XXXX They told me But I didnt have the right documentation that the 5 biggest banks let me use to open a business account. 
I XXXX year business owner it has been opening up business accounts since 2001 with some green peas that dont even know what a documentation looks like and they had the audacity to kick me out of their bank because I told them that they werent knowledgeable in their profession.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I XXXX XXXX have finished putting my daughter through college. There are several loans now serviced through NELNET. I have been harassed for months now, even though all of these loans should still be in deferment. Accordingly, since there has been several different criteria as to how much my payments will be, I request the following : 1 ) A cease and desist on all telephone calls from NELNET, since these calls are abusive and without constructive merit. 

2 ) That all loans go into an immediate deferment until XX/XX/2020. 


3 ) That I will be granted a consolidation of all loans with a reduction in interest rate to 3 %, and with a 15-year payment term. 

My request are reasonable under the circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
In the Public Records area of my credit reports, I see a Bankruptcy that was last reported on XX/XX/13 to XXXX XXXX. The account now shows closed and with a XXXX dollar balance and as a Chapter XXXX discharge from Equifax with the same XXXX dollar amount balance. I made the mistakes, I paid my dues and I suffered the embarrassment ; I think its only fair to allow me to go on with my financial life with what I have learned only to grow from it. The account was closed, dismissed, and discharged,  long enough ago for me to now have a piece of mind. Recently, I tried to make a large purchase for my family and the only thing that hendered the purchase was a Bankruptcy that was unfairly remaining on my credit from years ago that is now PAID IN FULL! The statue of limitations for this detrimental information would be up even if the account were open or still valid. Its time to remove the account and stop the deformation of my financial charter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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: EQUIFAX, INC.
State: OH

Complaint narrative:
With Equifax there are alot of unknown inquiries. XXXX XXXX XXXX inquired on XXXX XXXX, 2018. XXXX XXXX XXXX XXXX, 2018 and XXXX XXXX, 2018. All the information I can get is that they were done in California. I do not reside in California and did not authorize these inquiries. I have been with XXXX for almost ten years and have never even thought about going to another phone company. I have been trying to get this resolved for the last year with no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have disputed this with the credit bureau and they removed it and place it back on my credit. I have told the company that this is not my debt only thing could send me was a copy of the bill no paper where I signed no contact from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
XX/XX/2019 I received a letter from First Point Collection saying I owed a debt in the amount of {$590.00}. I responded a week later asking them to validate the debt in form of original bill or detailed statement of procedures. In response they wrote back and said the debt was valid without providing me the documents for validation. XX/XX/XXXX it was added to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
XX/XX/2019 SCA Collections added a debt to my credit reports in the amount of {$75.00} without giving me written notice or a chance to have debt validated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My loan was reaffirmed XX/XX/XXXX and mortgage company is trying to submit my default payments from XXXX for the purpose of getting credit agencies to not reinsert my loan that is open and current. 

The Fair Credit Reporting Act requires creditors to furnish complete and accurate credit information to the credit reporting agencies. If you have reaffirmed a debt and you are making timely payments to your creditor, the creditor has an obligation to accurately report your payment history to the credit bureaus. If they fail to do so, you are potentially entitled to recover statutory damages, as well as any actual damages you may have sustained as a result of diminished credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Recovery Services, LLC
State: LA

Complaint narrative:
I have mailed two certifed letters to Receivable Recovery Services , LLC requesting Validation of Debt and HIPAA authorization. RRS has responded to my letters twice but have failed to provide me with the requested information validating this debt. They have ignored my requests, yet this debt still shows on my credit report. I don't know how they are able to just ignore my request and violate the law as they have done. 
I have also sent a certified letter to XXXX, in which they stated they verified that this debt is mine and is being reported correctly, however during the verification process they still didn't send me anything with my signature to prove that they debt was mine. The debt is in the amount of {$190.00}. My questions to XXXX  are : Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. 
Blacks Law Dictionary, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Initial contact in XXXX, i was contacted about this unknown debt. I said i need documentation and everything in email. The man got upset and started yelling that they will proceed with further actions if i dont pay now. 

XXXX, They assigned different associate to my account. She continue to call leave disturbing vmail XXXX XXXX. She says she has my information and will contact where i work to levy my paycheck. Again i asked for documentation about this account and they continue to ignore my request. My only form of contact is email i said since they dont have phone manners. 

They attempt to levy my account every year. I do not have money and they dont seem to have my correct information to serve me. Because that account was not my doing. This account was from identity theft and now i am haunted by this horrible law firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
In the Public Records area of my credit reports, I see a Bankruptcy that was last reported on XX/XX/13 to XXXX XXXX. The account now shows closed and with a XXXX dollar balance and as a Chapter XXXX discharge from Equifax with the same XXXX dollar amount balance. I made the mistakes, I paid my dues and I suffered the embarrassment ; I think its only fair to allow me to go on with my financial life with what I have learned only to grow from it. The account was closed, dismissed, and discharged, long enough ago for me to now have a piece of mind. Recently, I tried to make a large purchase for my family and the only thing that hendered the purchase was a Bankruptcy that was unfairly remaining on my credit from years ago that is now PAID IN FULL! The statue of limitations for this detrimental information would be up even if the account were open or still valid. Its time to remove the account and stop the deformation of my financial charter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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: KS

Complaint narrative:
I did not know i was breached by Equifax. They never sent me anything and now i am having to go through my credit information and call my banks and credit and car companies to see if anything is affected. I have credit monitoring and they failed to tell me this when this took place.

Company response to consumer: Closed with explanation