vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: MO

Complaint narrative:
This account was settled and paid with XXXX XXXX on XX/XX/16 in the amount of {$230.00} with a XXXX Representative by phone. Not only has the debt been paid, it also is reporting inaccurate on my credit report showing a balance of {$160.00} with an incorrect Credit Limit Amount {$230.00}. I have asked the Collection Agency to show validity of the debt as well as asking the original creditor to show me proof that this account is reporting 100 % accurately. I have sent these request into the Credit Bureaus, Creditor and Collection Agency and still no response or the items requested returned back to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: AK

Complaint narrative:
I have contacted the agency TSI/XXXX which whom my debt is associated with several times and have not gotten answers or have been able to pay this debt off. Below is an email that I sent to the company that bounced back as one of their employees gave me a fake email address. I have tried to speak with supervisors on several occasions and below are the times I have called. No one will let me pay off or address this debt at all. I have been contacting them now for over a month!

Dear whomever this may concern, My name is XXXX XXXX XXXX. I currently have an open debt with XXXX XXXX Hospital of  {$2500.00}. They have passed on this debt to your collection agency. I have tried to reach out to your establishment on multiple occasions and have not gotten the answers or assistance I needed. 

I first contacted your company three weeks ago on XX/XX/XXXX. On this day I spoke to a man about settling my debt at {$1800.00}. He told me he needed to confirm with the hospital and for me to contact him again the following week. I then tried to contact him again, and no one answered my call. A week ago I called to follow up again and the people I spoke with told me absolutely nothing about settling this debt. They told me they had not heard back from the hospital. I find it very hard to believe that the hospital has not gotten back to them in three weeks. I even offered two staff members to pay {$1000.00} and be done with this. One staff member even laughed at the situation when I was trying to express my concerns. 

I demand to have my questions addressed and have this resolved. I am on the west coast so taking time out of my day to call your company that only has EST hours is very difficult. 

I would AGAIN like to settle this debt immediately and can pay {$1000.00} at your earliest convenience. I can be contacted via phone at XXXX between XXXX EST. Please have a MANAGER contact me tomorrow XX/XX/2019. This is my fourth attempt at trying to pay this debt. 

Thank you for your time and assistance on this. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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:
There are many mistakes appear in my report without my understanding.

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 2019-02-26 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: EQUIFAX, INC.
State: NH

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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: AZ

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-02-26 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: GA

Complaint narrative:
I received a potential fraud activity from accounts being opened in my name through Equifax and XX/XX/XXXX on XX/XX/2019 and XX/XX/2019, that I did not speak to someone on these matters, I am a victim of identity fraud so I'm not understanding how was the system able to move forward with hard inquiries without calling me considering there is a phone number stated on all 3 of my credit files to contact me before any credit is being issued and this did not happen. So please explain Equifax and Transition how did this happen how are these creditors able to put hard inquiries on my credit report without contacting me here are the inquiries as followed : on XX/XX/2019 received a fraud activity alert from Equifax for 4 accounts -XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX received a fraud activity alert from XXXX  on 1 Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
This account was settled and paid with XXXX XXXX  on XX/XX/16 in the amount of {$230.00} with a XXXX Representative by phone. Not only has the debt been paid, it also is reporting inaccurate on my credit report showing a balance of {$160.00} with an incorrect Credit Limit Amount {$230.00}. I have asked the Collection Agency to show validity of the debt as well as asking the original creditor to show me proof that this account is reporting 100 % accurately. I have sent these request into the Credit Bureaus, Creditor and Collection Agency and still no response or the items requested returned back to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-26 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: MO

Complaint narrative:
ON XX/XX//18 A DISPUTE WAS SENT IN TO THE CREDIT BUREAU ASKING THEM TO VERIFY THAT XXXX XXXX XXXX  IS REPORTING 100 % ACCURATELY. I ALSO ASK FOR COPIES OF HOW, WHAT AND WHEN WAS THIS INFORMATION VERFIED ACCURATELY. I STILL HAVE YET TO RECIEVE THE INFORMATION ON THIS INACCURATE ACCOUNT. I HAVE ATTACHED CREDIT REPORTS THAT SHOWS THAT THE ACCOUNT WAS SETTLED THEN IT WAS REPORTED INACCURATELY ON MY ACCOUNT AGAIN CAUSING MY CREDIT SCORE TO DROP.

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 2019-02-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-02-26 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-02-26 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: GA

Complaint narrative:
I received a potential fraud activity from accounts being opened in my name through XXXX and Transunion on XX/XX/XXXX and XX/XX/XXXX, that I did not speak to someone on these matters, I am a victim of identity fraud so I'm not understanding how was the system able to move forward with hard inquiries without calling me considering there is a phone number stated on all 3 of my credit files to contact me before any credit is being issued and this did not happen. So please explain XXXX and Transition how did this happen how are these creditors able to put hard inquiries on my credit report without contacting me here are the inquiries as followed : on XX/XX/XXXX received a fraud activity alert from XXXX for 4 accounts -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX received a fraud activity alert from Transunion on 1 Account 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 2019-02-26 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: CA

Complaint narrative:
I contacted Equifax regarding a collection listed on my credit report with XXXX XXXX XXXX. I requested Equifax to validate this debt and I have asked for their method of validation and they have not they just send me credit reports that display they have verified this debt and ignore all other requests. 

When I reached out to the collection agency they don't even have proof I owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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: Internal Check Systems, LLC
State: WA

Complaint narrative:
I recently asked Chexsystems Consumer ID : XXXX .for my consumer report because i applied for 2 credit unions and was denied due to the contents of my report. I know i had nothing negative on my report so I was surprised when those Credit Unions turned me down for membership no thanks to a credit lookup they did on my Chexsystems report. Apparently there are 2 inquiries that are past 2years! Credit repositories are only supposed to hold inquiries for 2years. Credit inquiries are required by law to remain on your credit reports for 2 years. 

1 ) Inquirer : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX 2 ) Inquirer : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX. 

The list of following Inquiries are ones I dont recognize at all! and I didnt authorize to pull my Chexsystems report. Per FCRA 604 To my knowledge, I have not signed any documents authorizing these organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.. Either Validate this data with them which i assure you they WONT BE ABLE TO! or delete the following as soon as possible as it has hurt my ability to obtain credit and goods both which are punishable by federal law. 
1 ) UNKOWN Inquirer : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX 2 ) 1 )  UNKOWN Inquirer : XXXX Bank XXXX Date : XX/XX/XXXX 3 ) 1 ) UNKOWN Inquirer : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX ) UNKOWN Inquirer : XXXX XXXX Inquiry Date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I was in school for two years. I took a break for a semester and tried to keep going with my degree but the program was cancelled and my credits are non-transferable and I am unable to obtain my degree.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: KY

Complaint narrative:
I applied for a loan with this company and was approved, but didnt expect to keep paying {$280.00} every two weeks forever 10 to 15 weeks now for a very small loan. I tried to cancel but it was to late. I am a very hard working person who had a medical bill that had to be paid. This company is ripping hard working people off. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC
State: KY

Complaint narrative:
I have been trying to contact this company I can not get anyone to talk to me. I need money for a payment to be able to take XXXX XXXX  & XXXX. I have paid every two weeks for 10 weeks now XXXX for a very small loan. I have been asked to make this amount of payments until XXXX. This company is ripping people off that work hard everyday.

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 2019-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I tried to open a bank account recently and was denied. I'm unsure why I was denied because this would be my first time attempting to open an account at a major bank that isn't online. I have tried to reach out to the bank to get the item removed off of my background and remove my info out of XXXX. This has caused issues in my life as far as financial strain & not being able to get a loan during hardships. I have never signed or authorized for an account with PNC bank. I have filed a police report referencing the account and sent it to the bank in question. I need this information removed as soon as possible so I can gain my financial freedom back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Social Finance, Inc.
State: WI

Complaint narrative:
SoFi heavily solicited me with a " pre-approved '' offer of a loan for {$50000.00}. I finally accepted their pre-approval and submitted the requested documentation to prove identity and income. Shortly after discovering I was XXXX XXXX through means of my driver 's license the company denied my loan citing an inability to verify my income. I have worked for the same company for well over a year, the company did not ask me to provide additional documents or even give me a chance to " verify '' my income. When I called to have a more detailed description of the reason for denial the representative thought the denial reason was " odd '' and said so directly. I personally know of other well qualified high earning XXXX XXXX that received pre-approvals and were then " denied '' mysteriously from this company after their identity was verified. It is my strong belief that this company discriminates against XXXX XXXX. When I asked for how they determined my income could not be " verified '' they refused to release the name of any agency or consumer reporting agency that they based their decision off of. They wrongly justified their position of not releasing the agency used to make their decision as proprietary information, despite the fair credit reporting act specifying otherwise. There unethical lending practices lured me into applying for a loan product with them, leading to a hard inquiry on my credit which has prevented me from securing the loan I need with a more reputable lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Herbert P. Sears Co., Inc.
State: CA

Complaint narrative:
I have multiple medical bills charged on my behalf while i was unemployed with full coverage health insurance covered by medical through XXXX 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 2019-02-26 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:
I have noticed that XXXX XXXX have placed an inquiry on my Experian credit file dated XX/XX/2017. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC? 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { {$1000.00} }, whichever is greater ; ''

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 2019-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I graduated college back in XXXX. Back then, my school loan was with NY Department of Education and afterwards Sallie Mae. I was told numerous times that my starting salary in my field would be around $ 50k. With some smart saving I thought I would be able to still pay off my loan while my wife and I lived in a small 1 bedroom apartment. When I was finally offered a permanent job, it was at $ XXXX/hr in my field. A far cry from the $ XXXX that my college said I would start at. I called Sallie Mae and was never offered the income based payback method. Everything was with them was always deferment. This went on for years even after Navient took over. I went from under a $ 30k student loan to $ XXXX student loan because of all the deferments and the high interest rate of 8.125 %. The difference is all capitalized interest and whatever other fees they tacked on through the years. Navient wouldn't let me refinance at a lower rate because they said I was ineligible. They knew what they were doing and never told me I could of paid based on my tiny take home paycheck starting back in XXXX! Fast forward to XXXX. Im finally making a little money hoping to start making payments to bring this ridiculous monster debt that I shouldnt have down. Now all of a sudden they want to do income driven repayment. I told them I cant do more than $ 150/month. Everything they calculated was through my tax returns. Nobody from Navient would work with me regarding what I could actually afford to pay. Jump to XXXX and now Navient wants $ XXXX/month which I definitely cant do. The company seems to forget that I dont get to keep what the IRS reports and that Navient is not my only bill. I have to pay for my vehicles to get me to work to earn my paycheck. Pay for gas to get me back and forth to work as well as insurance. Pay for the roof over my head because in my job, I need to be awake and very alert. Pay for the various personal insurances. Monthly utility bills because heat would be nice in the cold months and a little a/c in the summer since where I live it gets very hot. The credit cards because thats the only way we can afford to buy our food and those are maxed out. My wife packs everything up for me and I dont order out because we cant afford it. Then there are other bills as well. You get my drift. I have told Navient time and time again, even paying $ XXXX/month is pushing it but I can do that on time every month unlike the {$720.00} payment. I want to pay it off, but I simply cant afford that much even though my tax returns look like I can. By the time everything is paid, Im lucky if we have {$5.00} left in the bank. So maybe Navient will step up and work with me since I had no choice but to come on here and complain.

Company response to consumer: Closed with explanation