vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-18 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: FL

Complaint narrative:
XXXX, XXXX XXXX DOB XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX  To Whom it May Concern : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX  TransUnion, LLC XXXX XXXX XXXX XXXX, PA XXXX  I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX/XXXX Inquiry : XX/XX/XXXX Bank ( XXXX  ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX/XXXX XXXX   Inquiry : XX/XX/XXXX Travel/Entertainment ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Bank ( XXXX  ) XXXX XXXX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX Travel/Entertainment ( XXXX  ) XXXX XXXX  Inquiry : XX/XX/XXXX Travel/Entertainment ( XXXX  ) XXXX XXXX XXXX   XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX  ) XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX DOB XX/XX/XXXX SS # XXXX ADDRESS : 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 2019-02-18 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: FL

Complaint narrative:
XXXX, XXXX XXXX DOB XX/XX/XXXX SS # XXXX ADDRESS : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Travel/Entertainment ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Travel/Entertainment ( XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX Travel/Entertainment ( XXXX ) XXXX XXXX   XXXX XXXX  XXXX XXXX  Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX DOB XX/XX/XXXX SS # XXXX ADDRESS : XXXXXXXX XXXX XXXX XXXXXXXX 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 2019-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: PR

Complaint narrative:
I already submit a complaint and it was closed because the financial institution sent you a letter stating that they contacted the dealership XXXX XXXX XXXX and the dealership agree in canceling the contract. When I contacted the dealership on Saturday they stated that they had no contact with the financial institution and that they did not agree to anything. I contacted the institution today and they stated that they have no knowledge of the letter that they sent you nor have let me speak with the dealership compliance department. For the contrary they are requesting for me to make the first payment of the vehicle that the due date was XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Mendelson Law Firm
State: MS

Complaint narrative:
I received a Judgment letter for XXXX signed in Arkansas for medical Bill 's I do not owe

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 2019-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FULTON FINANCIAL CORPORATION
State: PA

Complaint narrative:
In response to letter I sent on XX/XX/XXXX, requesting XXXX Bank preserve all evidence of the theft of over {$900000.00} ( previously reported Bank XXXX XXXX XXXX XXXX XXXX, XXXX Bank closed XXXX other accounts on XX/XX/XXXX without notice and mailed the checks on XXXX or explanation was given. The checks were # XXXX & # XXXX. No previous accounting of any of the money even though the theft was based on perjured statements. The person given the money was not legally entitled to do the job. XXXX XXXX XXXX ( a marketing VP ) apparently actually participated in the robbery. When a audit flaw in procedures was discovered at the bank, it was not corrected. XXXX Bank has either willfully been lax or a participant in these crimes in conjunction with elected officials in XXXX XXXX. All of this apparently was done to cover other crimes at the bank, including loan fraud by XXXX XXXX XXXX. <ref>https : XXXX Auditors made false statements to hide the crimes and were rewarded. This theft has been going on since XXXX of persons accounts with solicitors of XXXX townships.

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 2019-02-18 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: Navient Solutions, LLC.
State: UT

Complaint narrative:
XXXX  and XXXX are reporting incorrectly that I am 120 days past due on several student loans with Navient that have a {$0.00} balance and {$0.00} past due. This is harming my credit score and it is obviously impossible to be past due on something that does not have a balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 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: DISCOVER BANK
State: OH

Complaint narrative:
In 2016, my account with Discover Card was closed for default. Rather than sending the account to collections, Discover chose to forgive the debt and I was sent a XXXX As A result, I paid Federal taxes on the forgiven debt of {$690.00}. To this day, Discover continues to report the account balance as {$690.00}. I called requesting that the account balance be updated to XXXX, and they refused to do so. I even went as far as to offer payment for the account, which was also refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
WHAT HAPPENED. In XX/XX/2018 I submitted an FTC Identity Theft Report to Equifax, XXXX, and XXXX. In the Report, I stated that someone had used one of my former addresses to fraudulently obtain a credit card in my name. As a result, Equifax ( but not XXXX or XXXX ) removed all of my former addresses from my credit report. Equifax confirms that the FTC Report was the reason they removed all my former addresses. 

MY COMPLAINT. I want to be very clear about my complaint. My complaint is NOT that Equifax deleted all the addresses, rather than just the one that was fraudulently used. Rather, my complaint is that Equifax deleted ANY of my former addresses. That a correct former address was, or may have been, fraudulently used in the commission of an identity theft is no grounds whatsoever for removing that address from the customers credit report unless the customer specifically requests that it be removed. In my FTC report, I did not in any way request that any of my addresses be removed. 

WHY THIS IS IMPORTANT. The removal of my addresses poses a real problem for me. I am applying for a mortgage and therefore need to establish at least a two-year history of my residence. Because I have lived at my current address for only about five months, I need my credit reports to include my former addresses. 

HOW I TRIED TO RESOLVE THE PROBLEM. Equifax told me that the only way I can restore the former addresses is to have one of my current creditors report my former addresses to Equifax. That will not work in my case. I have only one current creditor. That creditor they told me that they do not normally report former addresses to the credit bureaus, and that it would be a violation of federal law for them to offer a service to one customer that is not offered to all. 

THE PROBLEM IS ONE OF EQUIFAX POLICY. The problem I encountered at Equifax is not a processing error. The Equifax fraud department told me that what happened here was the result of a general Equifax POLICY. According to that policy, whenever it is reported in an FTC Identity Theft Report, or in a police report, that a former address was used in the commission of an identity theft, Equifax removes that address from the customers record at Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On the Months of XX/XX/2019 to the Day of XX/XX/XXXX I have received Email Transfer Message to be Applied to me for Payment Transaction to my Account. I applied PayPal Request Arrangements for All The Request for Payment Transaction .The PayPal Account is A XXXX XXXX Account The Is Connected To my XXXX XXXX XXXX XXXX Account which is Connected To my XXXX XXXX XXXX XXXX XXXX Account. The PayPal Request Arrangements was made by me for Request payment Arrangement.I do have the Information listed at this time. With Email Addresses and Money Amount's.1 from XXXX XX/XX/XXXX at XXXX XXXX   sent to my email address of XXXX for the amount transferred to my account for {$5800.00} PayPal Transaction I Don't U-sayXXXX .2 From XXXX on XX/XX/XXXXat XXXX XXXX PayPal Transaction I Don't U-2 XXXX. For that Amount of {$7400.00} to my email address of XXXX. XX/XX/XXXX from XXXX Transaction I XXXX XXXX for the Amount of {$2500.00} to my email address of XXXX 4 .On XX/XX/XXXX Request Payment for {$2000.00} to my PayPal account on XX/XX/XXXX from and to XXXX Transaction I D. XXXX. The Email from XXXX was from XX/XX/XXXX for being A Beneficiary of Her Estate Arrangement to Take The Amount of {>= $1,000,000} to my Email address of XXXX. 
5 XX/XX/XXXX from email address of XXXX for Payment Transaction to me for the Amount of {$1700.00} E-ticket # XXXX PayPal Transaction I D. XXXX Request Payment Transaction to my PayPal account and from my Email address of XXXX 6 XX/XX/XXXX from  XXXX for Several Transaction Amounts to my PayPal account I D # XXXX Transaction I D XXXX this is One Amount Request for {$3300.00} to my PayPal account sent to my Email address of XXXX XXXX : : PayPal Spoof @ paypal Customer Service has All Request Payment Transaction To me and my PayPal account Under investigation by XXXX XXXX This is A XXXX XXXX  Account under my Email address that is Registered on XXXX and XXXX XXXX. Please be Advised that I Also am A Member of XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. 
I have Alerts on My Social Security Number, Birthday Birth certificate and Ohio State Identification Number. Along with Multiple Addresses that are listed and Not Listed. Please check Credit Report and Any Credit Request Filed Under my Name and Sociak Security Number. Birthday. I also have One Son that has The Same Name but Different Birthday. Please file my Complaint I filed Thank You. 

They have a link to my account and it is frozen. I can not receive or load the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 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: UT

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am 120 days past due on several student loans with XXXX that have a {$0.00} balance and {$0.00} past due. This is harming my credit score and it is obviously impossible to be past due on something that does not have a balance due.

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 2019-02-18 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: UT

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on several student loans with XXXX that have a {$0.00} balance and {$0.00} past due. This is harming my credit score and it is obviously impossible to be past due on something that does not have a balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I am extremely disappointed with purchases I made with XXXX this summer. I'm not dissapointed with the customer service -- the sales engineer genuinely did his best to find the right equipment in my budget. I'm not disappointed with the equipment -- the gear was exactly what I wanted. I'm disappointed with my 48 month financing through XXXX and Synchrony Bank. 

My monthly payments were advertised as less than {$50.00} with no interest. I could pay it off within 48 months. I appreciate having the equipment I need to do my job immediately. I would even agree to pay more over time for the ability to have the equipment I need right now. That's why I jumped on the opportunity to pay over 4 years with no additional charges. And then my first bill from XXXX was {$75.00}. 

I figured I was paying for extra charges up front and then my bills would be reduced later on, but I have bills for {$75.00} or more every month. I pay roughly {$45.00} on my balance each month, and then I pay an additional {$30.00} of fees. I did not know about these fees or the amount until I received my first bill. I'm charged {$38.00} for late payments with no grace period. Monthly, on average I'm paying exactly 2/3 of what should be owed on my balance on additional fees. On bad months, I could be paying 151 % of my balance payment in fees. I will pay {$1400.00} over four years in fees alone. My original balance owed is less than {$2000.00}. It's difficult to communicate just how disgusted I feel. 

XXXX is a company that, on its face, values its customers. They are famous for their sales calls. Most music professionals and hobbyists I know have only the best things to say about XXXX. For a company with this reputation to offer credit with these exorbitant hidden fees is both deceptive and exploitative. I will never buy from XXXX again. I will make sure my friends, students, clients, and audience never buy from XXXX. 

Synchrony bank is absolutely gouging its customers with fees. What I am paying in fees is such a high percentage of the balance owed that I feel they are simply running a scam and exploiting people.

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 2019-02-18 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: UT

Complaint narrative:
Equifax and XXXX are incorrectly reporting that I am past due on an account that has a {$0.00} balance and {$0.00} past due. This is harming my credit and is obviously impossible to be past due on something that does not have a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 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: VA

Complaint narrative:
I reviewed my annual credit report from Experian and it showed an account that is not mine. It is related to identity theft disputed this several times and Experian continues to keep it saying that company vertices this is correct after I explained that I was a victim of identity theft. Submitted the requested documentation and it still remain 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 non-monetary relief
Consumer complaint received 2019-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In XX/XX/2016, my account with XXXX XXXX was closed for default. Rather than sending the account to collections, XXXX chose to forgive the debt and I was sent a 1099-C. As A result, I paid Federal taxes on the forgiven debt of {$690.00}. To this day, XXXX continues to report the account balance as {$690.00}. I called requesting that the account balance be updated to XXXX, and they refused to do so. I even went as far as to offer payment for the account, which was also refused.

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 2019-02-18 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: OH

Complaint narrative:
In 2016, my account with XXXX XXXX was closed for default. Rather than sending the account to collections, XXXX  chose to forgive the debt and I was sent a XXXX. As A result, I paid Federal taxes on the forgiven debt of {$690.00}. To this day, XXXX continues to report the account balance as {$690.00}. I called requesting that the account balance be updated to XXXX, and they refused to do so. I even went as far as to offer payment for the account, which was also refused.

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 2019-02-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I called for my neighbor, as he ask me to send a fax to Wal-Mart / Synchrony Bank. I have my own account and when customer service is called from my home they link the information with my account. I ask for their fax number to collections and the agent refused to give me a fax number. So I requested to speak to a manager, manger gets on phone and I tell her that I need the fax to the collections department and all she wants to do is argue with me. Makes excuses for not giving me the fax as she said they have so many areas with faxes and I told her again it was for the collections department. She still refused to give me a fax number. I told her I would be filling a complaint with you and I hung up. A simple request for a fax number and they act like you are going to steal their paycheck. This is totally uncalled for.

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 2019-02-18 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: UT

Complaint narrative:
XXXX  and Transunion are incorrectly reporting that I am past due on an account that has a {$0.00} balance and {$0.00} past due. This is harming my credit and is obviously impossible to be past due on something that does not have a balance.

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 2019-02-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
Took out loan of $ XXXX..Have paid back amount of loan plus {$210.00} they still want {$450.00} to settle account. Believe they are illegal in state of Florida based on interest rate and cap of {$50.00} per {$500.00} borrowed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Financial Services
State: IL

Complaint narrative:
I currently have a loan with them that I took with my dad. Im the first signature in the paperwork and my dad is the co-signer. My dad took a second loan with them and apparently he hasnt been making any payments on his second loan, the loan were hes by himself. This agency thought it was a good idea to take money from the account were Im on. My dad doesnt live with us anymore and we dont have any contact with him. The agency said that they have the right to move money from two different accounts.

Company response to consumer: Closed with explanation