vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-20 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:
XXXX XXXX XXXX VIA XXXX XXXX XXXX Date : XXXX I did not authorize this car dealership to run my report. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. If you have no proof I would like it removed immediately.

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 2019-11-20 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:
XXXX XXXX XXXX XXXX XXXX I recently viewed this on my report and did not recognize this inquiry. I contacted them and no reply with original documentation of me authorizing or signing. This is hurting my credit report and I wish to be corrected as soon as possible.

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 2019-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: AMERICAN HONDA FINANCE CORP
State: PA

Complaint narrative:
Debt was paid in full and settled

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX- attempted to apply for credit card at Kohls in XXXX , Texas . The cashier would not allow me to directly enter the information. She requested my Social Security number and income information out loud in front of other patrons. She then declared that I could not get a card. When I asked what could be done, she asked a nearby cashier out loud about my denial in front of other patrons. I called the 1800 number to appeal and the individual said they could not help me. I recieved a denial letter that contains false information about my credit which is perfect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a XXXX  attending classes online for XXXX  XXXX college. I received several loans to pay for my schooling. I am also employed with the XXXXXXXX XXXX XXXX  which has a program that I am enrolled in where my payments are deferred each year, which I have to resubmit each year. This year there was a delay in the processing which caused my loan accounts to show 90 day late payments on all of my loans. Once I spoke with the loan department and got everything cleared up they told me all of my late payments would be removed from my credit report. These late payments are still showing which caused my credit score to drop 70 points making it very hard to obtain credit for a new home. I have tried to resolve the issue but was not successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion XXXX XXXX XXXX  : The following has been requested : * according to the FCRA 609, 611 I requested a signed contract/or lease on the following dates : 3/8/2019, 4/25/19, 6/21/19, 7/24/19, 8/22/19 never producing any documentation with my signature.

* In addition twice they responded over 30 days to respond as of today 11/19/19 I have not received any response for the 8/22/19 mailing.

* Also there was inaccuracies on the previous responses. {$0.00} value was expressed which made no sense 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 non-monetary relief
Consumer complaint received 2019-11-20 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:
Navient/sallie mae loan company made illegal charges and did not offer loan repayment plans to me when they bought my loan. They illegally deferred my payments and didn't offer any solutions other than forbearance. My loan has tripled in amount but then they paid me from a settlement in a lawsuit for calling my work and for charging illegal interest and charges. During that time ( XXXX ) I was placed on forbearance at least 7 different times. I was not given options. They harassed me at work until I was put on forbearance with my loans. One advisor also told me they would ruin my life. When they began getting sued they sold my loan to XXXX XXXX/XXXX. They began to garnish my wages. I asked for a hearing to request a stop to garnishment through financial hardship but I was denied. I called XXXX and they refused to give me any information on to why I was denied. They refused to disclose any of the process to denying me. They Garnished over 1100 dollars a month. To get off garnishment they said I must pay another $ XXXX month in addition top garnishment? Meanwhile they destroyed my credit by constantly adding remarks and adding delinquent penalties tip my credit score. I wad getting garnished while they destroyed my credit in addition to that. I can not afford the garnished amount. They gave me no other option. Im going to lose my house. I have a XXXX year old. My bills are over XXXX 4000 month. I was denied by XXXX even after i applied for financial hardship but I've been getting garnished for over 2 years.I can't afford it and i can't get out of garnishment. Plus my student loan amount has increased! Is that legal? Navient made illegal practices and my loan amount has more than doubled but now XXXX is garnishing my wages for it? My loans were federal Perkins loans   and XXXX loans which are possible potential forgiveness loans for XXXX. Im a XXXX but I can not Get forgiven if my wages are being garnished and I am in default. This can't be legal

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: McNeil & Meyers Asset Management Group, LLC
State: LA

Complaint narrative:
The collector keep saying they have legal paper going out to my home for over a year now the same harrasing calls most of the time it be from different numbers but same harrasing collector

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2019-11-20 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:
Creditor Name : XXXX XXXX Date : XXXX2018 I recently got my report and saw that this company ran my report XXXX XXXX and I have no idea what this coming from. I would like this to please be removed because it is really hurting my credit. Also, I would like original documentation of what this was for and deleted.

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 2019-11-20 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JPMCB CARD Bank Credit Cards XX/XX/2018 I noticed this credit inquiry run on my report which I did not authorize. Can I please have it removed. I would also like proof of documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: TX

Complaint narrative:
I am a student attending classes online through XXXX  XXXX college. I have received several loans to pay for my schooling. I am also employed by the local XXXX    department, which has a program that I am enrolled in which qualifies me to have deferred payments every year. I have taken full advantage of this program which helps me out a lot. I recently checked my credit report and was surprised to see all of my loans were reporting ninety day late payments. I spoke to the customer service department back in XXXX of this year and they assured me that the late payments would all be removed. it is now XXXX and the late payments are still reporting.

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 2019-11-20 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: TX

Complaint narrative:
I am a XXXX attending classes online through XXXX XXXX XXXX. I have received several loans to pay for my schooling. I am also employed by the XXXX XXXX XXXX, which has a program that I am enrolled in which qualifies me to have deferred payments every year. I have taken full advantage of this program which helps me out a lot. I recently checked my credit report and was surprised to see all of my loans were reporting ninety day late payments. I spoke to the customer service department back in XXXX of this year and they assured me that the late payments would all be removed. it is now XXXX and the late payments are still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: California Business Bureau, Inc.
State: MO

Complaint narrative:
Recently, I noticed a negative item on my credit report that does not belong to me. The collection agency is California Business Bureau ( CBB ) and the original creditor is XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, I wrote to CBB requesting account validation, in accordance with the Fair Debt Collection Practices Act ( FDCPA ). On XX/XX/XXXX, they responded by saying " there is no basis in law to substantiate your right to such information ''. CBB proceeded to provide creditor and account information including an amount they say I owe of {$890.00} and added {$500.00} interest for a total of {$1300.00}. They included no validation, but included a database printout of a patient inquiry report with service dates, service codes, and service code descriptions. No HIPAA release form for release of patient information was ever sent to me. 

Moreover, I have never been a patient or done business with said creditor, XXXX XXXX XXXX XXXX ( XXXX ). My name has been used fraudulently in this medical debt collection account unbeknownst to me between CBB and XXXX dating back to XX/XX/XXXX. 

Furthermore, since XX/XX/XXXX, I have been corresponding with XXXX  to resolve this to no avail. I have requested physical verification/validation of the original signed consumer contract. They persist in refusing to remove this fraudulent, unverified, erroneous item from my credit report. The outcome is that this negative item remains on my credit report, negatively and wrongfully harming my ability to enjoy the benefits of good credit. This negative item is causing me severe problems in trying to purchase a home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Hello! I am having a problem with your website and Experian Boost service. I added my bank XXXX XXXX to my account. There was a scan done and I received a response stating that past bills could not be located which is inaccurate. Therefore, I disconnected my banking information and tried again a few weeks later. Now I am receiving this message : We couldnt validate your account details Your name and/or address with your bank doesnt match your Experian membership profile, so we couldnt validate your details. 

The address on my experian site matches exactly to what my bank has. I don't understand why I am receiving this message when my bank was connected with no problem just a few weeks ago. I appreciate your help in resolving my issue. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
State: NY

Complaint narrative:
LexisNexis : The following has been requested : * according to the FCRA 609, 611 I requested a signed contract/or lease on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX never producing any documentation with my signature. 
* In addition twice they responded over 30 days to respond as of today I have not received any response as of XX/XX/XXXX mailing. * Also there was inaccuracies on the previous responses. {$0.00} value was expressed which made no sense for a unverified eviction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
I do not have a contract with Midwest Recovery Systems. I am not liable for this collection from XXXX XXXX XXXX. I am not responsible for this debt. This collection was removed as of XX/XX/2019 from my credit report, and in XX/XX/2019 it was placed back on my credit report, without having the 5 day notification prior to the placing. Which is a FCRA violation. Remove this fraudulent collection immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Emerald AR Systems, LLC
State: TX

Complaint narrative:
I had an on the job injury involving my XXXX XXXX. I was given a claim number regarding my injury through XXXX, Department of Labor. My Doctor ordered an XXXX at XXXX XXXX XXXX XXXX XXXX  approximately XX/XX/XXXX. The bill was never paid by the Department of Labor because if an incorrect code on the bill. I started to receive letters saying I either pay the bill or it goes to collections. I have called both XXXX XXXX on numerous occasions as well as 3 way calls with my Human Resources dept with XXXX XXXX. The last conversation with XXXX XXXX was approximately XX/XX/XXXX and I was told that the Department of labor paid the bill of {$1200.00} but there was a banking issue with them receiving the funds. I was told that same conversation that I would be taken off the collections effort by Emerald Ar collections. I asked for a receipt of this transaction either by mail or email and the person I spoke with said they would proof that the situation was handled and it was in their hands to get the banking issue resolved. I have spoken with the DOL and they claim they paid the bill as well. 
The debt collector Emerald Ar collections just charged off the entire amount {$1200.00} to my impeccable credit lowering it about 60 points as of XX/XX/XXXX. 
XXXX XXXX Is located XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX, phone ( XXXX ) XXXX Emerald Ar Collections phone ( XXXX ) XXXX. Please help me in this matter as I dont know what else I can do. Thank you for your time. Respectfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: CA

Complaint narrative:
XXXX XXXX XXXX Date : XX/XX/2019 I was speaking to a sales representative and i was told he would not run a hard inquiry because I am a current customer. He did run it and admitted he was wrong. They stated they can not remove inquiry ad do not know-how. I have contacted them and spent hours on the phone and no response. Please have them reported and I would like to take legal action if not removed,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have two credit cards with Capital One Bank ending with XXXX & XXXX. My debit card was compromised I tried to change to a new card but the company website wouldn't allow me to change. I did an online chat in XXXX, XXXX & XXXX of 2019 & was told I couldn't change payment form via website only thru the app. I don't use the app & have never heard of such a thing. I was forced to download the app but I have a company phone & it blocks certain sites & transactions & isn't for personal use. So I've been forced to continue using a compromised email & debit card. I explained my situation to customer service on two occasions & got no help just a run around.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
company is a consumer reporting agency bur refuses to put a security freeze on my record held by their company, sighting they are not obligated to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: NV

Complaint narrative:
Contrary to Nationstar/Mr Cooper bank response IN CFPB XXXX regarding XXXX XXXX  and the transferring of Nationstar acct.XXXXxxx it appears according to CFPB bank examiner documents that are attached : NATIONSTAR IS REQUIRED TO REMEDY FOR THE FRAUD OF XXXX XXXX  and furthermore was required to receive substantive elements of the conversations between XXXX XXXX AND XXXX, AURORAS REP at the time of transfer to NATIONWIDE. 

SEE ATTACHMENTS PG4 AND 5 OF CFPB DOCUMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
I have a non escrow mortgage since XX/XX/XXXX. I pay my insurance and property taxes when due. I suffered unemployment hardship. My last property tax payment was XX/XX/XXXX. In XX/XX/XXXX, SLS mortgage service provider made a payment on my behalf claiming serious delinquency. They have attempted to put me in Forced Escrow to continue to claim I am not curent on my mortgage. I have tried at least a dozen times to remedy this, which many claimed at SLS was feasible as I rejected their offer to voluntarily submit to an escrow loan. 
Today, XX/XX/XXXX, I payed {$2200.00} as their statement claimed would bring my mortgage completely current. I was forced to do so to start gaining the legal leverage I need to sue them for the return of my forced escrow. My mortgage note does not appear to me to allow forced escrow. I plan to pay my property taxes for XXXX due XX/XX/XXXX directly to ensure their forced escrow was a malpractice on their servicing. I owe them $ XXXX and I'm sure they would like to foreclose on a $ XXXX home. I am arguing that this is completely improper abuse of their SLS servicing leverage and should therefore be fined heavily if possible.

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