vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that item comes back validated even though the information incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 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: NC

Complaint narrative:
Incorrect Information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that item comes back validated even though the information incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that item comes back validated even though the information incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Modlin Slinsky, P.A.
State: FL

Complaint narrative:
This compliant file against the law frim of Molding & Slinsky, PA XXXX XXXX corporate office in XXXX FL. Who is the represent of XXXX XXXX XXXX Here are the fact XXXX XXXX is a company were the member had to pay a member duties of XXXX per year. card number XXXX is a gold card. XXXX XXXX NO reason the closel the card base on these fact that they request financial statement for the year XXXX and give the client just 15 day to send the finical report to them. the client could not produce the financial base on the fact that CPA was out commission for a year. XXXX XXXX just had bill the client the card for XXXX membership fee. which in fact that shall be refund back the client. the client have never missed any monthly payment or late that XXXX XXXX request over since the card was issue back in XXXX. the evidence will show that there are two card that  have a XXXX per card per year membership fee. Which is XXXX that XXXX XXXX just bill the client for. XXXX XXXX need to refund those charge. and this account is not past due on the second card number is XXXX but XXXX XXXX failed to put that card in collection why? we just pay then on or about XX/XX/XXXX for amount of XXXX and the pay ment was XXXX and pay them on XXXX XXXX XXXX forXXXX and XX/XX/XXXX for XXXX and XX/XX/XXXX XXXX which is XXXX in one month. CFPB need to invesgatin XXXX XXXX for take there client money and then close there account. that unfair practice. please have XXXX XXXX to produce and presented a validate document of this debt by a sign date personals Guarantee by  the owner of a LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC
State: CA

Complaint narrative:
my wife is took out a title loan one month before she went to bootcamp for XXXX we been paying it and interest rate is huge XX/XX/XXXX they repo an XXXX  service member car ( my wife ) without a court order we had no notice of repo and the lady XXXX at XXXX title max would not help we owed XXXX $ left on loan. 

technically titlemax  can not give loans to militay I wan na know if we can use SCRA or MLA benefits and go after titlemax  for the interest rate they gave us and the money we spent getting car out of impound

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian will not let me login in to change email address on a Credit Freeze. The other two credit bureaus no problem

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 2019-11-09 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: NY

Complaint narrative:
My problem started off by getting incorrect information about my new Business Line of Credit. I was supposed to receive 1.99 % APR promotion for the first year as I was told by one of the bankers I was dealing with, but then when I was waiting to get the credit available to me, other representatives in XXXX XXXX XXXX XXXX Lending have told me different things about whether or not I qualify. No one really seemed to know what was going on and it was getting incredibly frustrating, and shown their sign of inadequate training, knowledge, and incompetency. I raised this issue to XXXX XXXX, Senior Vice President and Division Lending XXXX at XXXX XXXX, and he promised to look into it. We exchanged emails back and forth about status updates as this process was taking extremely long, I asked him if I may have extended credit on my BLOC as a courtesy and he said he can move XXXX of available credit from my XXXX XXXX credit card to my Business Line of Credit, and he did. During this process the person who was responsible for moving the available credit from my credit card to BLOC ran my credit report without my authorisation. When I confronted XXXX about this, he denied it. He said I may have applied for another XXXX XXXX product. I said that's impossible, and senseless given the circumstances of what we were dealing with. I asked to have this investigated or removed ASAP and notification of when this will be removed and when he did send me the notice, I have yet till this day see that inquiry come off. The bank failed to fulfill their obligation to remove an inquiry in my credit report in error as they disclosed to me in writing. I have made executive complaints about the way they have been handling this and have not heard back from anyone as of yet. This has been an incredible incompetent bank and has proven to me they are not capable of handling simple tasks. When I tried to deal with this issue with Experian, they disregarded the correspondence letter I had sent them from XXXX XXXX, as I was advised to send it to them to expedite this matter, this has failed to be effective, and thusly, Experian did not pursue any action whatsoever.

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 2019-11-09 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: LEXISNEXIS
State: GA

Complaint narrative:
I have sent disputes to Lexis Nexis Consumer Center in regards to their report they have on me. I have inaccurate unverifiable items listed in my consumer disclosure/C.L.U.E. report. I first contact them on XX/XX/19 in regards to inaccurate addresses, phone numbers emails and incorrect name. I received a letter from them stating that everything was correct I sent them proof with my social security number, drivers license and proof of residence. The letter they sent back they had more inaccurate names and etc. I sent them a second letter on XX/XX/19 to correct and remove all incorrect data. I sent them another dispute letter on XX/XX/19 to dispute bankruptcies listed on my report. They sent back a letter stating they initiate the dispute on my behalf to XXXX XXXX and XXXX. I never asked them to do this I am disputing with Lexis Nexis and I have a security freeze on my account so why would they share information with the three credit bureaus. I NEVER ASKED THEM TO COMMUNICATE MY DISPUTE with the other credit bureaus. Lexis Nexis finally responded and said it was accurate. I sent them a method of verification letter on XX/XX/19. Lexis Nexis has failed to provide the requested information. Lexis Nexis has not responded within the required 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
XXXX Credit Card from Barclay have changed all there benefits after people signed up. These changes are not a simple tweak but seem more like a tactic to issue cards with wonderful benefits then change all the best benefits shortly after they have enough people signed up. 

Is it legal to offer 4 % cash back on meals, then with 30 days notice change it? 
Can you offer {$50.00} annual bonus to people then decide not to offer it anymore? 
And many many more changes. 

If this is the way were being offered services then change a few months ( a few weeks for some people ) after we sign up, then we need to change the law. 

XXXX/Barclays Credit card changes : 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 2019-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX Apt XXXX, XXXX, GA XXXX ; I've never been to XXXX, GA ever!

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 2019-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Please see case XXXX Please dont close this case. I still havent see the response from Mr Cooper since they sent the response to our attorney. Now we have to pay additional money to fight a case that WE, as consumers should be protected by CFPB. I dont see how we are accountable for 2 banks and a title company not getting it right. Consumers have no control in quoting and executing a payoffs. Please help us! I will state 1 more time ; we have never been late on the 6 properties we have purchased in the past 33 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 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: WA

Complaint narrative:
On XX/XX/2019, I was denied a credit card for XXXX visa signature card. The reasons given were that I do not have a credit history and insufficient balance in deposit. I checked my credit report with Equifax, the agency used to look at my credit. 

The report from Equifax has no information on me, despite two other agency 's having information on me ( XXXX, for example ). When I attempted to file a dispute with the report, I was sent back and forth on the website and was unable to correct anything. 

My name is on my parents line of credit ( XXXX ), which is the same bank that XXXX does their banking. This information was not sent to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
This compliant file against the law frim of XXXX XXXX XXXX, PA XXXX XXXX corporate office in XXXX FL. Who is the represent of America Express company Here are the fact America Express is a company were the member had to pay a member duties of XXXX per year. card number XXXX is a gold card. XXXX XXXX NO reason the closel the card base on these fact that they request financial statement for the year XXXX and give the client just 15 day to send the finical report to them. the client could not produce the financial base on the fact that XXXX was out commission for a year. America express just had bill the client the card for XXXX membership fee. which in fact that shall be refund back the client. the client have never missed any monthly payment or late that America express request over since the card was issue back in XXXX. the evidence will show that there are two card that have a XXXX per card per year membership fee. Which is XXXX that America express just bill the client for. America express need to refund those charge. and this account is not past due on the second card number is XXXX but America express failed to put that card in collection why? we just pay then on or about XX/XX/XXXX for amount of XXXX and the pay ment was XXXX and pay them on XXXX XXXX XXXX forXXXX and XX/XX/XXXX for XXXX and XX/XX/XXXX XXXX which is XXXX in one month. CFPB need to invesgatin America express for take there client money and then close there account. that unfair practice. please have America express to produce and presented a validate document of this debt by a sign date personals Guarantee by  the owner of a LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX University dealt with Bank of America the lender who was the original lender who serviced all 12 loans before selling them to third party. The bank employees along with the employees at the university in the financial aid dept. under administrative XXXX XXXX, who handle all paper work and signed off on. Attached are some of the documents I was able to get. First time every taken out student loan in 2007. 

1. Refused to give me copies of all 12 loan application certification completed by the university. ( 2 ) Refused to give me copies of all 12 Bank of America Federal student loan Disbursement Notices ( received from XXXX are attached ) ( 3 ) The 4 Bank of America Federal student loan Disbursement Notices you can see how grade level changed from ( 3 ) to ( 1 ) to create ( 2 ) new loans ; funds that were part of the ( 2 ) unsub/sub loans from XXXX. ( 4 ) Funds were not sent back to the lender attached are the GL of the $ amount and XXXX XXXX deposit slip listing XXXXXXXX XXXX that the funds went to. Employees under administrative orders to charge part-time minority students full time tuitions and other fees then falsify loan certification so that loans taken out. 

All done for profits and kickbacks. Since I file a complaint against the University of all the employees misdeeds, I was informed that my college files had been destroyed. Due to the fact that I have repeatedly requested copies of my entire college records under my ( ssn ) and the two student ID numbers created by registration. XXXX and second number ( XXXX ). 

( 5 ) Changing student separation dates every 3 months just to create more unsub/sub loans with B of A. Neither the bank unable or wont give me the loan documents because they know I never even signed any loan documents nor have I approved the financial institution to be my lender or given the University permission to use them. 

XXXX & XXXX : BANK OF AMERICA, XXXX Bank of America used not just one branch to process all loans other branches listed on federal student loans were # XXXX, XXXX, XXXX XXXX All loans were reported on credit report crediting has increased and listing loans as a line of credit and not student loans before they sold loans to third party. 

XXXX XXXX resolution specialist, regulatory complaints department rep for Bank of America stated they never did federal student loans and they have know loan documentations at all nor any information even though they were the original lender of my loans and reported to all three credit reports 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 2019-11-09 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/2019, I was denied a credit card for amazon.com visa signature card. The reasons given were that I do not have a credit history and insufficient balance in deposit. I checked my credit report with XXXX, the agency used to look at my credit. 

The report from XXXX has no information on me, despite two other agency 's having information on me ( XXXX, for example ). When I attempted to file a dispute with the report, I was sent back and forth on the website and was unable to correct anything. 

My name is on my parents line of credit ( Chase ), which is the same bank that amazon.com does their banking. This information was not sent to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO

Complaint narrative:
I have made a complaint with you all ready. My name is XXXX XXXX I am have dealings with USAA. This is my complaint ID with you- XXXX. 
I recieved a call from USAA on XXXX stating they are closing the fraud case they state they do not see where I requested to have my aiuthorized user removed. Just because they supposedly did not note it they are now making me pay for all the fraud charges she put on there an she is getting away with it. USAA had sent me a check for damages put a stop on the check put amount towards that balance this is wrong in every way an she the one that put herself on as aurthorize user gets away. They also sent me a new card I never activated it some how it got activated and got XXXX charged on it and USAA only thing they would tell me is someone activated it from a mobile device. This is wrong where is justice?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivable Solutions, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XX/XX/XXXX I legal changed my name in Superior Court of XXXX County, Arizona. 

I sent in a copy of the legal name change document to the three credit reporting agencies. 
Equifax- continues to this day, refuses to acknowledge, update and claims to never receive my documents. I have called them consistently all throughout the month of XX/XX/XXXX when I applied to get a mortgage and was denied due to improper information in my credit file. ( I am attempting to use my VA home loan ). After battling it out I sent in a fax to XXXX their reported fax number on XX/XX/XXXX @ XXXX Fax serial number XXXX transmission result OK. I have called every single business day since initially I was told 3-5 business days " XXXX XXXX ( XX/XX/XXXX, XXXX XXXX  ) : The process takes from 3 to 5 days. '' Then I was told on Day 5 by a supervisor, it takes 5-7 Business days. Now, XXXX XXXX @ XXXX I am being told it takes 7-10 business days. Yet they lack any system in place to track fax machine receivables. All I want is my Legal name corrected on my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have a collection from 2015 on my credit report which has plummeted my credit score that I have worked for five years to rebuild. 
EXPERIAN makes it impossible to reach a human being, blocks me from signing into them, lies about having called me and refuses to remove a collection from almost five years ago that suddenly appeared on my credit report this year. A ) There are two people listed on the account that I have knowledge of, B ) They never billed me after sending me a FINAL BILL in early 2014 & C ) the account was supposed to have been switched to someone else! 
I have gone back & forth with Experian for three weeks. This is ridiculous!

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