vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent, unauthorized charges to my accounts on my credit file. As a result, I disputed this identity fraud with this company on XX/XX/XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. But until now, as I am writing to you, this company is still reporting these fraudulent inquiries contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. 

Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. 
The following is the fraudulent account that I need to be removed by this company : 1. XXXX   XXXX  ACC # XXXX, Date Opened XX/XX/XXXX, I am attaching the dispute letter/documents I sent to this company

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 2019-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
10 months ago I was unable to make my regular monthly payments due to a job loss and was instructed that If I made minimum payments until the balance was below my credit limit the card would be unrestricted and I would be able to once again use the card as before. After making 8 monthly payments on time and in the amount required I finally was below the credit limit of the card. I was still unable to use the card as before and when contacting the credit card company was now told the credit card would be permanently restricted from use without an explanation as to why? Given that I complied with all their requests in good faith making monthly payments on time, I also paid the annual membership fee on time and complied with all their requirements, it seems that the credit card unfairly deceived me into believing that my credit would be restored when in fact that was never going to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have submitted a letter from XXXX XXXX AND THIS 30 DAY LATE IS STILL REPORTING ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 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: FL

Complaint narrative:
I have a 30 day late payment on XX/XX/2018 in my credit file The information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 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: FL

Complaint narrative:
I have a 30 day late payment on XX/XX/2018 in my credit file The information is incorrect.

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 2019-01-28 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: TX

Complaint narrative:
The issue I am having is with the credit reporting agency Experian. I have submitted three separate disputes regarding a collection account from XXXX XXXX XXXX XXXX. I have gone through debt validation with this collection company over a period of several months and during this time, the collection remained on my report. XXXX XXXX did not provide me the information I requested during the validation process to demonstrate that the debt was valid. I have since disputed with Experian once in late XX/XX/2018, once in XX/XX/2018, and once again in XX/XX/2018. Experian keeps verifying the account despite the fact that the collection agency is required to cease collection activities ( such as credit reporting ) during the debt validation process and was also unable to validate the debt. The collection account remains on my credit report today and it is inaccurate. XXXX has already deleted this account and XXXX is still in the process of investigating it.

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 2019-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E.Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current address is and only should show : XXXX XXXX XXXX XXXX, Oh XXXX. Please remove the following addresses from my report : XXXX XXXX XXXX XXXX OH XXXX,XXXX XXXX XXXX XXXX OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have submitted a letter from XXXX XXXX AND THIS 30 DAY LATE IS STILL REPORTING ON MY CREDIT REPORT.

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 2019-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Outsource Group, Inc
State: KS

Complaint narrative:
I was given misleading information about payment plans and that it was not going to be reported to the credit bureau while in the payment plan. They then reported to the credit agency without notifying me that the current plan I was on would not prevent this. They didn't send me information to dispute the debt when first contacted.

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 2019-01-28 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: MI

Complaint narrative:
Good afternoon, I am not sure where to begin or how to handle this. 
I got a student loan XX/XX/XXXX, was making payments had some money issues and was in forbearance and continued with payments after the forbearance cycle. 
XX/XX/XXXX My husband and I filed Chapter XXXX Bankruptcy and in this bankruptcy was my student loan with XXXX  XXXX XXXX/XXXX for the remainder of my loan {$1400.00}. Per the paperwork from my attorney the student loan was included. Our bankruptcy has been discharged as of XX/XX/XXXX. 
On XX/XX/XXXX I received a letter from Navient that my student loan was now being serviced by Navient. I contacted them via telephone, XX/XX/XXXX, spoke with a XXXX and she informed me that my loan was my responsibility. I asked how that could be when my student loan was included and paid through my bankruptcy. I asked her to investigate this a little more for me as she could not answer my questions. My first payment was due XX/XX/XXXX, total unpaid balance was {$1800.00}. I made 2 months of payments XXXX and XXXX, I did not not want them to reflect negative on my credit report. Still waiting for a response to my questions from my phone call to Navient. I have now received a letter from Navient XX/XX/XXXX, that my student loan was paid in full, the very next day I received a refund check of the payments I had made in XXXX and XXXX. I was thankful for this after speaking with XXXX I thought they had rectified this account with the bankruptcy courts and the fact that I am trying to get us on good credit standing since finishing bankruptcy. 
Now as of last week I received another Statement from Navient dated XX/XX/XXXX stating my loan amount is {$1800.00} and payments are due starting in XXXX. I called Navient XX/XX/XXXX spoke with XXXX, after he reviewed my account he informed me the letter stating i was paid in full was sent to me in error?? why and how was not explained, I stated this was paid through bankruptcy and he stated it was my responsibility and they could not help me with anything even though the letter was sent in error they were not willing to work with me. 
I don't believe I owe this balance and do not know where to begin to fight this. I am hoping you can help me with some advice. 
Please and Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: MI

Complaint narrative:
To whom it may concern : Caliber Home Loans erroneously paid my property taxes even though I dont have an escrow account. Caliber then bumped my payment from {$640.00} to {$1500.00} to cover their mistake. Please see the upload escrow breakdown. They failed to property calculate taxes and force-placed escrows to cover their mistake. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I was issued this loan on XX/XX/XXXX thru my school my last loan issue was XX/XX/XXXX. The loan amount totally around 20k, as of XX/XX/XXXX I still owe XXXX . 
I was attempted serveal time to talk to Navient but no one would give me a straight answer why am still paying almost the full balance 10 years later. On top of that they buy me on a graduate lap. Which I been paying {$220.00} that went to {$670.00} in XX/XX/XXXX. 
Again if am a public service employee why was I out on a forgiveness loan so I can be done with this loan this year XXXX no instead am still paying on a loan for more then 10 years

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E.Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current address is and only should show : XXXX XXXX XXXX XXXX, Oh XXXX. Please remove the following addresses from my report : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL

Complaint narrative:
XXXX - checked my credit reported and noticed a debt that doesn't belong to me. 
XXXX - sent a debt validation letter to Collection Bureau of Ft. Walton Beach Inc regarding this debt that's reporting on my credit report XXXX - Collection Bureau of Ft Walton Beach Inc sent me a letter asking for medical release authorization. To my knowledge, a collection agency isn't supposed to have your medical records as well as I'm not obligated to provide medical release forms to the collection agency. 

Please help getting this debt removed from my credit report if the company can not provide me with viable information that this debt truly belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 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:
The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent, unauthorized charges to my accounts on my credit file. As a result, I disputed this identity fraud with this company on XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. 
But until now, as I am writing to you, this company is still reporting these fraudulent inquiries contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. The following is the fraudulent account that I need to be removed by this company : 1. XXXX XXXX ACC # XXXX, Date Opened XX/XX/XXXX, I am attaching the dispute letter/documents I sent to this company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Credit bureau is refusing to re-investigate and refusing to delete chapter XXXX from my credit report. THIS IS A BUSINESS BK AND SHOULD NOT BE ON MY PERSONAL CREDIT THIS IS A VIOLATION OF F.C.R.A. PLEASE DELETE IMMEDIATELY. I called FTC, DA 'S  OFFICE, AND DOJ AND ALL CONFIRMED THAT BUSINESS BK 'S SHOULD NOT BE ON PERSONAL CREDIT BUT THE BUREAU IS REFUSING TO CORRECT THIS AND REFUSING TO DELETE THIS ERRONEOUS PUBLIC RECORD FROM MY REPORT. PLEASE HELP! 

US BKPT CT CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Address identification number XXXX Identification number XXXX Claim amount Unknown Status Chapter XXXX bankruptcy discharged.

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 2019-01-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Credit bureau is refusing to re-investigate and refusing to delete chapter XXXX from my credit report. THIS IS A BUSINESS BK AND SHOULD NOT BE ON MY PERSONAL CREDIT THIS IS A VIOLATION OF F.C.R.A. PLEASE DELETE IMMEDIATELY. I called FTC, DA 'S  OFFICE, AND DOJ AND ALL CONFIRMED THAT BUSINESS BK 'S SHOULD NOT BE ON PERSONAL CREDIT BUT THE BUREAU IS REFUSING TO CORRECT THIS AND REFUSING TO DELETE THIS ERRONEOUS PUBLIC RECORD FROM MY REPORT. PLEASE HELP! 

US BKPT CT CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Address identification number XXXX Identification number XXXX Claim amount Unknown Status Chapter XXXX bankruptcy discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 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 got scammed online by an individual that i do not know, accounts had been opened in my name, this person had stolen my identity, I have contacted police the tald me to file IC3 FBI report and an FTC is attached to this complaint. 
Please block this fraudulent accounts from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: DE

Complaint narrative:
Hello, I took out the HSBC Cash Rewards Mastercard early XX/XX/2018. I was given a promotion offer - spend {$500.00} within the first 90 days, received {$150.00} cash back. I made a purchase of {$890.00} on XX/XX/18. I've been given conflicting information by HSBC reps, stating that either 1 ) I didn't receive the promotional offer/need to spend {$2000.00}, or 2 ) the bonus will post after 90+ days. 

I am not sure which is correct. I want someone to take a look and provide me reassurance that my promotional offer was captured correctly. 

The promotional offer code was XXXX. Original app ID was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 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: CA

Complaint narrative:
The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent, unauthorized charges to my accounts on my credit file. As a result, I disputed this identity fraud with this company on XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. 
But until now, as I am writing to you, this company is still reporting these fraudulent inquiries contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. The following is the fraudulent account that I need to be removed by this company : 1. XXXX XXXX ACC #  XXXX, Date Opened XX/XX/2017, I am attaching the dispute letter/documents I sent to this company

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 2019-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: OH

Complaint narrative:
I have recently re-established my credit back into excellent standing, so I check my credit report very often to make sure that all information is accurate and true. On XX/XX/2019, I received several emails from credit reporting providers stating that my credit file has been changed. A debt collection company under the name " Radius Global Solution '', reported to the credit bureaus that I owe a debt of {$180.00}. I do not owe any one anything and I do not know who this company is or what this debt is about. I did not receive any dunning letters nor did I receive any information regarding this debt. I did not have a chance to dispute this inaccurate information before it was just placed on my credit reports. This has dropped my scored tremendously. This is a complete violation of my rights. I want this account removed immediately from my credit reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: FC HoldCo LLC
State: WA

Complaint narrative:
I spoke with XXXX XXXX which at the time I was told they were putting notes in my file about contacting me. I have gotten numerous call in a single day over 4 each day and I also received a call on Sunday XX/XX/2019 at XXXX. Which I have read they are not allowed to call after XXXX. This company already has a class action against them for this very reason.

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