vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My name XXXX XXXX XXXX, I have several name variations on my credit report that need to be deleted XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX. XXXX. I was going over my credit report and I noticed that there are several errors. My current and only address XXXX XXXX XXXX, XXXX, OH XXXX. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following accounts are not mine I have never had an account with these companies : XXXX XXXX XXXX # XXXX , XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,

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: EQUIFAX, INC.
State: OH

Complaint narrative:
My name XXXX XXXX XXXX, I have several name variations on my credit report that need to be deleted XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX. XXXX. I was going over my credit report and I noticed that there are several errors. My current and only address XXXX XXXX XXXX, XXXX, OH XXXX. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following accounts are not mine I have never had an account with these XXXX XXXX XXXX XXXX LP # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
I requested a removal of Personal Mortgage Insurance. And was informed that if my home value was 80 % LTV on the home that PMI would be removed. I than paid for the appraisal to be done, {$690.00} to appraise the property. The LTV wasnt 76 %. A month later they responded with a letter denying me the PMI removal. They than informed me that I have a 2 year ( 24 month ) seasoning requirement. I was not informed of this before paying for the appraisal nor do I see any paperwork informing me that the PMI removal required this seasoning. 6 months away from reaching 24 months. And than mentioned the appraisal would only be invalid in 120 days since being done. So I would have to pay for a new appraisal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
They call at least 5 times a day and at all hours of the day. 
Today alone, XX/XX/26, I have already received 4 calls by XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
there is a company called cashnet who keeps calling me multiple times a day at my cell phone number which has been on the do not call list since 2011 ... they call before XXXX XXXX.. and after XXXX XXXX and several times during the day. so far just today they called me at XXXX XXXX this moring XXXX again and then at XXXX XXXX ... I told t he one who called at XXXX don't call me anymore and to remove my number from their call list ... he assured me he would and promptly hung up.. an about two hrs later I get another robo call from the same company.. i called them back seven or eight times asking to speak with a supervisor and they kept hanging up.. and then she asked me what was wrong with me ... and i said i don't want you to call my phone anymore. she said well stop calling me i don't have time to waste talking to you. and hung up.. i called back and said when your company stops calling me i will stop calling you back. I have never given this company my info. i have never asked for a loan from them and they are harassing me and i want to press charges against this company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have had a very difficult time with Select Portfolio Servicing ( SPS ). I recently was unemployed for about 6 months. I am back to work and applied for a modification. I was never able to communicate to the same person which always caused confusion. SPS always seemed to lose my paperwork, which I constantly had to re-fax. After about 6 weeks, I was declined for a modification. SPS told me they would not allow me to do a modification. And the investor said the same thing. I have NEVER had a modification and this is the first time I have had any problems with making my mortgage payment. I can not believe that SPS is not willing to help a homeowner who is over the hardship. How can I be denied for a modification, when I have never had one?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX charged to my personal credit card versus a business card advertised on the phone by Bank of America

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
unauthorized inquiries on my credit report Inquiry 5 Inquiry Date XXXX - XXXX Creditor Name XXXX  XXXX  - XXXX XXXX Creditor Address XXXX XXXX XXXX XXXX AZ, XXXX - - Creditor Phone BYMAILONLY - - Inquiry 6 Inquiry Date XXXX - XXXX Creditor Name XXXX - XXXX Creditor Address XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX - - Creditor Phone XXXX - - Inquiry 7 Inquiry Date - - XXXX Creditor Name - - XXXX XXXX Creditor Address - - - Creditor Phone - - - Inquiry 8 Inquiry Date XXXX - - Creditor Name XXXX XXXX - - Creditor Address XXXX XXXX XXXX XXXX PA, XXXX - - Creditor Phone BYMAILONLY - - Inquiry 9 Inquiry Date XXXX - - Creditor Name XXXX XXXX XXXX XXXX - - Creditor Address XXXX XXXX XXXX XXXX TX, XXXX - - Creditor Phone XXXX - - Inquiry 10 Inquiry Date XXXX - - Creditor Name XXXX XXXX XXXX XXXX - - Creditor Address XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX - - Creditor Phone BYMAILONLY - - Inquiry 11 Inquiry Date XXXX - - Creditor Name XXXX XXXX - - Creditor Address XXXX XXXX XXXX XXXX XXXX NY, XXXX - - Creditor Phone XXXX - - Inquiry 12 Inquiry Date XXXX - - Creditor Name XXXX XXXX XXXX XXXX - - Creditor Address XXXX XXXX  XXXX XXXX IL, XXXX - - Creditor Phone XXXX - - Inquiry 13 Inquiry Date XXXX - - Creditor Name XXXX XXXX - - Creditor Address XXXX XXXX XXXX XXXX PA, XXXX - - Creditor Phone BYMAILONLY - - Inquiry 14 Inquiry Date XXXX - - Creditor Name XXXX XXXX XXXX - - Creditor Address XXXX XXXX XXXX XXXX XXXX TX, XXXX - - Creditor Phone XXXX - - Inquiry 15 Inquiry Date XXXX - - Creditor Name XXXX XXXX XXXX   XXXX - - Creditor Address XXXX XXXX XXXX XXXX TX, XXXX - - Creditor Phone XXXX - - Inquiry 16 Inquiry Date XXXX - - Creditor Name XXXX XXXX XXXX - - Creditor Address XXXX XXXX XXXX XXXX XXXX FL, XXXX - - Creditor Phone XXXX - - Inquiry 17 Inquiry Date XXXX - - Creditor Name XXXX XXXX - - Creditor Address XXXX XXXX XXXX XXXX XXXX NY, XXXX - - Creditor Phone 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
unauthorized inquiries on my credit report Inquiry 5 Inquiry Date XXXX - XXXX Creditor Name XXXX XXXX XXXX XXXX XXXX Creditor Address XXXX XXXX XXXX XXXX AZ, XXXX - - Creditor Phone BYMAILONLY - - Inquiry 6 Inquiry Date XXXX - XXXX Creditor Name XXXX - XXXX Creditor Address XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX - - Creditor Phone XXXX - - Inquiry 7 Inquiry Date - - XXXX Creditor Name - - XXXX XXXX XXXX XXXX - - - Creditor Phone - - - Inquiry 8 Inquiry Date XXXX - - Creditor Name XXXX BANK - - Creditor Address XXXX XXXX XXXX XXXX PA, XXXX - - Creditor Phone BYMAILONLY - - Inquiry 9 Inquiry Date XXXX - - Creditor Name XXXX XXXX XXXX XXXX - - Creditor Address XXXX XXXX XXXX XXXX TX, XXXX - - Creditor Phone XXXX - - Inquiry 10 Inquiry Date XXXX - - XXXX XXXX XXXX XXXX XXXX XXXX - - Creditor Address XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX - - Creditor Phone BYMAILONLY - - Inquiry 11 Inquiry Date XXXX - - Creditor Name XXXX XXXX - - Creditor Address XXXX XXXX XXXX XXXX XXXX NY, XXXX - - Creditor Phone XXXX - - Inquiry 12 Inquiry Date XXXX - - Creditor Name XXXX XXXX XXXX XXXX - - Creditor Address XXXX XXXX XXXX XXXX IL, XXXX - - Creditor Phone XXXX - - Inquiry 13 Inquiry Date XXXX - - Creditor Name XXXX XXXX - - Creditor Address XXXX XXXX XXXX XXXX PA, XXXX - - Creditor Phone BYMAILONLY - - Inquiry 14 Inquiry Date XXXX - - Creditor Name XXXX XXXX XXXX - - Creditor Address XXXX XXXX XXXX XXXX XXXX TX, XXXX - - Creditor Phone XXXX - - Inquiry 15 Inquiry Date XXXX - - Creditor Name XXXX XXXX XXXX XXXX - - Creditor Address XXXX XXXX XXXX XXXX TX, XXXX - - Creditor Phone XXXX - - Inquiry 16 Inquiry Date XXXX - - Creditor Name XXXX XXXX   XXXX - - Creditor Address XXXX XXXX XXXX XXXX XXXX FL, XXXX - - Creditor Phone XXXX - - Inquiry 17 Inquiry Date XXXX - - Creditor Name XXXX XXXX  - - Creditor Address XXXX XXXX XXXX XXXX XXXX NY, XXXX - - Creditor Phone XXXX

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
we have been making payments every we have gotten behind and have not been able to catch up.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My Identity was stolen in XXXX, and since then I have been through an uphill battle with getting these fraudulent accounts removed from my credit. I hired an attorney, I have notified the Pennsylvania XXXX police where incident occurred, and I had reported every incident to the Federal Trade Commission. Both XXXX and XXXX has been very supportive about this situation. However, Equifax had removed some of the newer accounts that posted, except one. That account is XXXX XXXX, below : XXXX XXXX, XXXX Account Number- XXXX Account Balance- {$2400.00} Date Opened- XX/XX/XXXX I disputed this account 3 times with them totaling 4 months, and they conclude their investigation stating that I own the account ( 3 times ). This is a fraudulent account, and they refuse to remove it which is a violation of section 607 ( b ) and 605 ( B ) of the Fair Credit Reporting Act. They did not provide any proof to me, and they do not have any claim or reason under 15 U.S.C. 1681c-2. I will soon be forced to bring my own civil action against this company if it can not be resolved.

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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In Transunion 's response to my CFPB complaint ( # XXXX ), Transunion claims to send a response to my disputes to an address where I no longer live, dated XX/XX/XXXX. Transunion further claims to have sent a request for verification of my current address XX/XX/XXXX. None of this makes sense in that I included a current utility bill, drivers license, and SSN card in my original dispute dated XX/XX/XXXX ( see enclosed ). This provides fulfillment of Transunion 's requirements to update my demographic info and process my dispute. 

It is odd that all 3 credit bureaus would've for various reasons fail to respond to disputes in concert. Transunion failed to respond after being provided with all the information necessary to process my disputes, in violation of FCRA rules.

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 card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: TX

Complaint narrative:
XX/XX/XXXX order new computer on XXXX XX/XX/XXXX XXXX contacted me by email stating my card was being declined. I contacted them by phone & they said my credit card company ( Netspend ) was not letting the transaction go through. I didnt understand since the money {$1400.00} was in my account & now was deducted & shows a pending transaction on my Netspend account. I asked XXXX to cancel my order which they did. I waited a wk & have not received my money yet. I called Netspend & they told me to email them proof. I sent the orgianl receipt & cancel receipt. Waited another couple days & they told me I had to email a explanation of what happenend. I did sent them an email explanation & waited another couple days & still have not received my refund. XX/XX/XXXX I called back & talked to a mangager & he said my refund was declined because the receipt is for {$1400.00} which is the total amount XXXX charged me for & Netspend shows {$1400.00} on their side. I tried to explain to them that they are the ones who charged me for the extra {$1.00}. Every time I use my card they charge me a {$1.00} & they should see all my transaction how it shows that. They still refused. I called the main office in XXXX, TX & left voice mail messages & no one has gotten a hold of 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: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
The amount just over {$50000.00} was originally owed to Sallie Mae. I paid Sallie Mae faithfully until XX/XX/XXXX when I filed bankruptcy. That bankruptcy was dismissed in XX/XX/XXXX after never being confirmed. I contacted Sallie Mae and resumed repaying Sallie Mae from then on. 
In XXXX Sallie Mae assigned my account to Navient without notifying Navient of ANY previous payments. It's as if I never paid Sallie Mae ANYTHING from XXXX XXXX, and XXXX XXXX when my account was then sent to Navient. Navient says I now owe the same original amount of {$50000.00} plus {$20000.00} additional money DESPITE monthly payments to them of amounts fluctuating from $ XXXX since XXXX. Why hasn't or doesn't that amount change with 6 years of regular monthly payments and why has that total initial amount been raised {$20000.00}? The amount owed does not change and mst often goes Up after payment has been made. I have paid $ 1,000s and $ 1,000s of dollars and have gotten nowhere in the reduction of my current balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Reliant Capital Solutions, LLC
State: MS

Complaint narrative:
My student loan went into default ( i thought it had been consolidated when I did a consolidation in 2018 ). I called Reliant Capital Solutions that held the debt relating to my student loans. My contact person was Mr. XXXX. He was incredibly rude and a bully. I requested several times to speak with other individuals including his supervisor. The company assigned me another person to work with who is very helpful and is willing to work with me. Mr. XXXX 's behavior was typical of a bad debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-26 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I paid {$140.00} minimum monthly payment on XX/XX/XXXX and {$270.00} on XX/XX/XXXX. 
-- -- -- -- -- -- -- -- -- - My minimum payment is {$140.00}. 
I requested the extra payment of {$270.00} be applied to the promotion that has a balance of {$510.00}. 
PLEASE APPLY BOTH PAYMENTS TO MY ACCOUNT TODAY. 
-- -- -- -- -- -- -- -- -- -- After both payments are applied, then the promotion with a balance of {$510.00} should have {$44.00} from the monthly payment & {$270.00} from the extra payment. 
-- -- -- -- -- -- -- -- -- -- - The new balance should be {$190.00} for the promotion that ends XX/XX/2019. The credit card company says I have to wait 2 months for these payment to be applied. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- I need this applied to my account now as I should not have to wait 2 months for payments to be applied. That is insane and I do not believe past payments were applied correctly during the wait. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Whenever I wait 2 months the payments are never applied correctly and then I get a late payment notice reported to credit bureau. 
-- -- -- -- -- -- -- -- - This card company does not like the promotions to be paid off early.

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: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
At XXXX hours on XXXX XX/XX/2019, I called Credit Acceptance and spoke with XXXX. She made contact with XXXX. She turned the call over to XXXX and my counselor, XXXX XXXX and I tried to make a payment of {$100.00}. XXXX repeatedly ignored our request to take a payment of {$100.00} telling us that he needs {$250.00} down payment and payments of {$150.00} per month. My counselor explained that it was not in my budget to do so but he continued to threaten legal action. My counselor asked XXXX if he or anyone else could take my payment of {$100.00} and he said no. He would not take my payment.

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