vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-19 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: MO

Complaint narrative:
After sending Transunion several letters of complaints regarding the following inquiries 1.XXXX XXXX-XX/XX/XXXX 2.XXXX-XX/XX/XXXX 3.XXXX XXXX-XX/XX/XXXX 4.XXXX-XX/XX/XXXX 5.XXXX XXXX-XX/XX/XXXX 6.XXXX  XXXX-XX/XX/XXXX 7.XXXX XXXX-XX/XX/XXXX 8.XXXX-XX/XX/XXXX 9.XXXX-XX/XX/XXXX 10.XXXX   XXXX-XX/XX/XXXX 11.XXXX XXXX-XX/XX/XXXX 12.XXXX XXXX-XX/XX/XXXX 13.XXXX-XX/XX/XXXX14.XXXX-XX/XX/XXXX that they are reporting on my credit report.the last letter I sent was certified. they are reporting not yet proven compliant information. Transunion has detailed on my credit report. reporting several allegations of inquiries that have not been adequately verified in a compliant manner as mandated per the FCRA metro 2 reporting regulations, namely that they do not have verifiable proof or permissible purpose and the chicanery led to subterfuge is UNLAWFULLY injurious to my credit and reputation which is clear infringement of my consumer and civil rights. instead of marking dispute on these errors after sending 3 dispute letters instead TransUnion ignored my letter. I informed them that I did not authorize anyone employeed by the companies to make any inquiries and view my credit report. this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I requested that they remove the fraudulent inquiries from my credit report immediately that is maintained under my social security number.

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 2017-12-19 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: GREAT LAKES
State: NJ

Complaint narrative:
I 've back and forth with these credit reporting bureaus, and they are just abusing and violating the FTC Act. They are not verifying and account that a submitted to them. For the pass 5years I have not been able to achieve or get any promotion due to the false report of my credit files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
This is my second complaint about the same thing. American Express Serve card. 
Complaint number : XXXX The letter answering my complaint talks about a {$1000.00} request for withdrawal that was against their policy. I did Not see any {$1000.00} on the statements they sent and I have No record in my bank accounts of {$1000.00} deposit to XXXX or reverse. How do they know it was n't a scam/fraud on my account? And They never asked me. They closed my account so I could n't look at it. It concerns me that someone used my account since XXXX stated the transaction was complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 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: NJ

Complaint narrative:
I 've back and forth with these credit reporting bureaus, and they are just abusing and violating the FTC Act. They are not verifying and account that a submitted to them. For the pass 5years I have not been able to achieve or get any promotion due to the false report of my credit files.

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 2017-12-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Hello, I have recently discovered a large issue with my XXXX XXXX/Care Credit account. They have charged unauthorized card security fees labeled as " Card Security XXXX. '' Synchrony/Care Credit said they would investigate and it may take up to two weeks. Also said they would send me the paperwork proof I signed up if available. So obviously they are going to make up some paperwork or they 've snuck in the agreement to this somewhere in a very sneaky way. Regardless of either of those things, I never willingly or consciously agreed to anything of that nature. I never have and never will. The charges are currently {$42.00} per month but are based in a small percentage of your balance. For some reason only statements after 2016 are available, but the charges date back at least that far. After all this time I have just now discovered this. In addition, I have paid interest fees as a result of these card security fees. The fees have caused me to pay $ XXXX monthly in unnecessary interest. My balance has stayed roughly the same for years because of all this.

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 monetary relief
Consumer complaint received 2017-12-19 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: NJ

Complaint narrative:
I 've back and forth with these credit reporting bureaus, and they are just abusing and violating the FTC Act. They are not verifying and account that a submitted to them. For the pass 12years I have not been able to achieve or get any promotion due to the false report of my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
Parents filed a bankruptcy and the bankruptcy court went after my husband 's job and garnished his pay. We were in this process for years. They took money from his salary and the debt was paid and they still took money from my husband 's salary. They put our home in bankruptcy, my parents did not own a home. 
Now they have discharged the bankruptcy and our home has a sale date. 
NationStar/Mr. Cooper refuse to work or speak to us about our own home. 
They will only say we have a sale date and their is nothing we can do about it. 

They had an inquest and received a judgment of foreclosure and we were never notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 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: CA

Complaint narrative:
I was looking to buy a car and while shopping I had mentioned to the salesman that I had a credit report and did not want them they run my credit. 

On all three credit report Equifax XXXX XXXX shows that my credit was ran several times. I have a total of XXXX hard inquiries. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have 2 accounts on my credit report that has not been updated, I have tryed to fix this the creditor stated they sent updated information to be updated and it has not, One account is a car loan with XXXX  XXXX XXXX XXXX with a balance of XXXX and that account has been paid in full and another account is my credit card showing a high balance that has not been updated with XXXX XXXX XXXX XXXX with a credit limit of XXXX but the balance is incorrect I would please like this up dated immediately Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was looking to buy a car and while shopping I had mentioned to the XXXX that I had a credit report and did not want them they run my credit. 

On all three credit report XXXX XXXX TransUnion shows that my credit was ran several times. I have a total of XXXX hard inquiries. 

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

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 2017-12-19 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:
I was looking to buy a car and while shopping I had mentioned to the salesman that I had a credit report and did not want them they run my credit. 

On all three credit report XXXX Experian XXXX shows that my credit was ran several times. I have a total of XXXX hard inquiries. 

XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/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 non-monetary relief
Consumer complaint received 2017-12-19 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: MO

Complaint narrative:
After making several calls to transunion and sending out several certified letters with the return receipts, regarding the following inquiries : 1. XXXX Fa XXXX 2. XXXX 3. XXXX 4.XXXX XXXX 5.XXXX XXXX 6XXXX XXXX 7XXXX 8.XXXX 9XXXX XXXX 10.XXXX XXXX XXXX XXXX they are reporting on my credit report. tRANsunion is reporting not yet proven compliant information. TransUnion has detailed on my credit report. Reporting several allegations of inquiries that have not been adequately verified in a compliant manner as mandated per the FCRA metro 2 reporting regulations, namely that they do not have verifiable proof or permissible purpose and the chicanery led to subterfuge is UNLAWFULLY injurious to my credit and reputation which is clear infringement of my consumer and civil rights. instead of marking dispute on these errors after sending 3 dispute letters instead Trans Union ignored my letter. I informed them that I did not authorize anyone employeed by the companies to make any inquiries and view my credit report. this is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. I requested that they remove the fraudulent inquiries from my credit report immediately that is maintain under my social security number.

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 2017-12-19 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: OH

Complaint narrative:
I was approved for income based repayments through Navient on XX/XX/XXXX with the date of first payment being XX/XX/XXXX. Today, XX/XX/XXXX, I went to make a payment and it said I owed over 300.00. I can not pay this amount. I can barely afford the XXXX IBR payments, as I am only making a few cents more this year than I did last year when my payments were XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 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: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Portfolio Recovery is reporting non verified information and has failed to send documentation as previously requested to show this account belongs to me and I owe Portfolio the original debt. The debtor is XXXX XXXX XXXX in the amount of {$310.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I filed bankruptcy, and my 2 year window is up to apply for a mortgage loan. My discharge date was XXXX XXXX XXXX all three credit bureaus have the incorrect date in there system, that reads XXXX of XXXX which is not correct. This has caused me to get turned down by two Lender 's and my credit score has dropped tremendously because of this and this is affecting my way of living. My goal this year was to be in a new home by now i should have been Closing on my new home, but that is not the case. I talked to XXXX over the telephone and they assured me that they had the dates correct on there end. It was very hard to get in contact with equifax and XXXX because they do not have a direct telephone number. I even had a lender to reach out to all three credit bureaus and i signed a authorization form for them to update or take the incorrect date off of my reports and they told my lender that they updated it, so she ran my credit again like a month later and the same thing is just sitting on my report. This really anger 's me because now i have extra family and i stay in this 2 bedroom apartment. Please help us to fix this simple issue. I have uploaded the form that i filled out to send to all three credit bureaus..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 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: NJ

Complaint narrative:
checking annual credit reports. Equifax has a negative report ( of {$76.00} ) submitted by XXXX from XXXX. However, XXXX & XXXX do n't have this negative report. 
Went to website https : //www.ai.equifax.com to try to submit a dispute claim. However, the website *does not work*. ( using XXXX on a XXXX XXXX computer ) I 'm stuck & not sure what do to at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 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: TX

Complaint narrative:
i have reached out to transunion several times and even send out letters regarding inquiries that they are reporting on my credit report. the last letter i sent i received a blank letter with nothing removed and the following inquires still remains. 
1.XXXX 2.XXXX XXXX 3.XXXX XXXX-XX/XX/XXXX 4.XXXX-XX/XX/XXXX 5.XX/XX/XXXX XXXX Transunion should know that they are reporting not yet proven compliant information. TransUnion has detailed on my credit report. reporting several allegations of inquiries that have not been adequately verified in a compliant manner as mandated per the FCRA metro 2 reporting regulations, namely that they do not have verifiable proof or permissible purpose and the chicanery led to subterfuge is UNLAWFULLY injurious to my credit and reputation which is clear infringement of my consumer and civil rights. instead of marking dispute on these errors after sending 3 dispute letters instead TransUnion ignored my letter. i informed them that i did not authorize anyone employeed by the companies to make any inquiries and view my credit report. this is a violation of the Fair Credit Reporting AcT section 1681b ( c ) and a serious breach of my privacy rights. i requested that they remove the fraudulent inquiries from my credit report immediately that is maintain under my social security number.

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 2017-12-19 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I had an account open with XXXX XXXX that was the victim of ATM fraud because something like that takes a long time to investigate and although it was decided in my favor the account was in the interim closed as a negative by mistake with XXXX XXXX  and reported to ChexSystems. When I notified ChexSystems about the fraud they referred me back to see our a management as a wider of that data and not XXXX XXXX  and that I believe is the loophole that they lean on to continue to report in accurate information and not to be in violation with the CFPB or the FCR it act. It is a direct violation of our rights as consumers and should be corrected and the firms fined and sanctioned. What good is the FCRA law of You can simply pass it on to a company with a PO Box and claim they are getting the information from them. That in itself is a violation since they are not getting the information back from the actual source.

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 2017-12-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
I have a student loan with American Education Services ( I used to have it with XXXX XXXX XXXX [ XXXX ] ). The monthly payments are about {$360.00} a month. I could not afford to make the payments and I have called AES numerous times asking them for a compromise. They do not have any alternative payment plans. The operators have told me that it will be reported to my credit report, but they do n't offer any solutions. The loan is over {$9000.00} delinquent. I ca n't afford to pay the delinquent amount, nor can I afford the monthly payment. 

The last phone call with them, on XXXX XXXX, XXXX, I requested the contact information of the lien holder of my loan. The operator told me they were not allowed to give out the lien holder information. She suggested I send a letter to AES and they would forward it to the lien holder. I mailed a letter on XXXX XXXX, XXXX. In the letter I requested the lien holder to roll over my delinquent balance into the loan balance. I also provided pay stubs as well as an XXXX file of monthly expenses. I requested that they lower my monthly payment to something more affordable. It is now XXXX and I have not heard from the lien holder or AES confirming my correspondence. 

I do not think it is appropriate to with hold information about my loan. I also do not think it is proper business practice to continue to charge delinquent fees when I ca n't even pay the monthly payment. I feel as if I 'm in this deep hole and they are making it grow exponentially. I graduated college during the recession, my first jobs were less than 30k a year and it has not improved with the current economy. Now I have a son and growing debt. I am not asking for the loan to disappear, but I am asking for it to become manageable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I am the victim of ID theft and have submitted the affidavits to those companies believe I owe a debt that was not brought on by my own doing. This company in the past three weeks has called me nearly 46 times during work hours even though I clearly explain to them that the debt is not mine. By doing this they are in violation of many different acts and they seem to think they are above the 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 2017-12-19 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
upon logging into my Wells Fargo business checking account I was redirected to a page saying I was Pre-approved for a XXXX credit card from Wells Fargo. It clearly stated pre-approved not pre-qualified. I called them up and they proceeded to try and claim that it said pre-qualified not pre-approved. When I was adamant, the rep then very suspiciously asked whether I had proof or not. He then said to email him whatever I had. 

Based on the advertisement I received i applied for credit, which then had a negative impact on my crdit score. Had I known I was only prequalified I would not have filled out the application.

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