vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: IN

Complaint narrative:
I am currently in the Income Based Repayment Plan and have been for several years. At the start of XX/XX/XXXX, my loan was serviced through XXXX. I recertified my Income Based Repayment application and was approved for a reduced payment of {$460.00} ( rounded ) in XX/XX/XXXX. My loan was transfered to XXXX later in XX/XX/XXXX. The first couple of payments came out of my account at the regular amount. Suddenly, starting in XX/XX/XXXX they increased to {$630.00}. I called to ask why and was told that there was an issue with transferring the paperwork, but they would work on sorting it out. I was advised to continue to make my payment at the higher amount to avoid delinquency. Come XX/XX/XXXX, it was still not resolved and I called again before the payment came out to check into the issue. Was told again that there were issues with the transfer and they were working on it. When it was resolved, I could request a refund for the overage that was withdrawn. XX/XX/XXXX, my payment has now increased to {$690.00}. When I called again to get a resolution, I was told that my IBR was not transferred and that is what the XXXX   had calculated my payment to be. I had already submitted a recertification in an attempt to facilitate a more rapid resolution and my new adjusted payment as calculated by XXXX was still signficiantly lower than the now {$690.00} I am being asked to pay. I have been very patient and have attempted to work with them, however at this point I am incredibly frustrated. I have paid more than {$560.00} over my calculated payment amount. The last rep informed me that no refund is due to me and that this is just where I am. Also since moving from XXXX, XXXX has told me that my prior payments to XXXX are not included towards my PSLF even though I have paid through XXXX 's auto deduction program my monthly payment consistently ever since starting the program. I asked for XXXX to please review my request for a second review and was told it would take 90 days. 90 days exhausted mid XX/XX/XXXX and I have not heard any response from them at this point. ( The attached documents were what I submitted for the IBR in XX/XX/XXXX )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-01 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: LA

Complaint narrative:
XX/XX/2018 I went to Best Chrevloet with my pre-approval from XXXX XXXX. I informed the salesman XXXX that i did not want my credit pulled to other lenders because of my existing offer with XXXX XXXX. I wrote on my credit application, I only authorize for XXXX XXXX. XXXX XXXX a finance manager at the dealership sent my credit report to multiple dealers. I spoke with the salesman and the finance manager which both of them acted as if they knew nothing about it. I need the inquiries to XXXX XXXX, XXXX, and XXXX XXXX deleted from my report. I am livid that they misused my credit application for their own benefit.

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 2018-03-01 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:
Dear Transunion XXXX, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized inquiry had been made on XX/XX/XXXX. 
I contacted XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX  ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, 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 2018-03-01 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: GA

Complaint narrative:
Incorrect information on my report, information belongs to someone else. XXXX BANK opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX Addresses : XXXX XXXX XXXX APT XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX, NV XXXX Telephone numbers : XXXX XXXX XXXX If there is another government agency that would be better able to assist, I request my complaint be forwarded to them.

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 2018-03-01 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: GA

Complaint narrative:
Incorrect information on my report, information belongs to someone else. XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX, NV XXXX Telephone numbers : XXXX XXXX XXXX If there is another government agency that would be better able to assist, I request my complaint be forwarded to them.

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 2018-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Data Corporation
State: WA

Complaint narrative:
On XX/XX/XXXX, my gym locker door was pried off, and my checks and credit cards were stolen. Two checks were written on my account ( which was closed shortly after the theft -- check XXXX for {$94.00}, and check XXXX for {$76.00} ). I have been explaining to XXXX XXXX XXXX XXXX XXXX that I didn't write those checks. I have sent them copies of the police report and bank letter stating that the account was closed. XXXX XXXX XXXX XXXX XXXXXXXX continues to claim that I owe these funds, which I clearly don't, since I didn't write these checks. Please see attachment for further details.

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 2018-03-01 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: LA

Complaint narrative:
XX/XX/2018 I went to XXXX XXXX with my pre-approval from XXXX XXXX. I informed the salesman XXXX that i did not want my credit pulled to other lenders because of my existing offer with XXXX XXXX. I wrote on my credit application, I only authorize for XXXX XXXX. XXXX XXXX a finance manager at the dealership sent my credit report to multiple dealers. I spoke with the salesman and the finance manager which both of them acted as if they knew nothing about it. I need the inquiries to XXXX XXXX, XXXX, and XXXX XXXX deleted from my report. I am livid that they misused my credit application for their own benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Our home flooded during XXXX XXXX. Insurance gave us a {$40000.00} advance, which after many phone calls, CitiMortgage released to us. Our insurance settlement of {$240000.00} was granted in XXXX. Since we had a {$40000.00} advance, we mailed CitiMortgage our check for {$200000.00}. Although we sent the check XXXX weeks earlier, CitiMortgage shows receiving it XX/XX/17. After many phone calls they released {$47000.00} to us on XX/XX/17. I then spoke to XXXX on XXXX who told me the rest of the money would be released and overnighted that week. The check never came so we called back and were told the request " kept getting bounced back ''. I then spoke to XXXX who explained to me that they are holding {$150000.00} which they refuse to release to us until we are 100 % complete. I have called and spoken to XXXX many times, and they are firm on this because our original contractor 's bid was for much less than it has ended up costing. I have uploaded cancelled ( paid ) checks but they still refuse to release the money, even after we had an inspection showing 90 % complete. We then finished everything structural ( counters, cabinets, etc. ) and had another inspection. That inspection again showed 90 % complete which does not make any sense as all that is left is paint - in fact we are moving home this weekend. I can not make my final payments to the contractor as we have been paying out of pocket all along but CitiMortgage isn't releasing the money, so we are out of money. Today, I spoke to XXXX who again asked for an " exception '' to release {$100000.00}, but I have asked for this multiple times and never received ( and never received a phone call stating that I wasn't getting it, I keep having to call ). I also asked for another 100 % inspection.

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 2018-03-01 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:
Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized inquiry had been made XX/XX/XXXX. 
I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX XXXX XX/XX/XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, 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 2018-03-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My identity was stolen which included but was not limited to Federal income taxes being filed without my permission. On XX/XX/2018 I requested the validation of these 2 accounts on my Experian credit report : XXXX XXXX Acct : XXXX XXXX XXXX Acct : XXXX I received a letter stating that the debts were verified with no supporting original documentation. Telling me that the accounts are correct without validation does not support a valid investigation per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). They are only stating the exact information that I questioned to begin with.

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 2018-03-01 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:
Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/2018 and I noticed an unauthorized inquiry had been made on XX/XX/2018. 
I contacted XXXX XXXX XXXX  XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX XXXX XXXX ( XX/XX/18 ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, 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 2018-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
on XX/XX/2018, my account was compromised by a hacker from Brazil. He presented charges to Suntrust against my checking account for {$100.00}, which was denied. The hacker then presented for charges to Suntrust for {$200.00} and this was also denied. The hacker tried again and presented for charges to Suntrust for {$400.00} and {$2.00} and Suntrust paid the hacker these XXXX charges. I suspect that Suntrust paid the last XXXX charges totaling {$400.00} to overdraft my account so that Suntrust could profit from the overdraft fees. I must mention that all of the charges were done in succession ; XXXX after another. Now my checking account is in the negative and charges for bills that normally come from that account are creating additional overdraft fees, charges, and withdrawals from my savings account. This is the second time that Suntrust has been negligent with my funds and information. I did receive a telephone call from the Suntrust Fraud Division AFTER it paid the XXXX fraudulent charges.

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 2018-03-01 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:
Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/2018 and I noticed an unauthorized inquiry had been made on XX/XX/2018. 
I contacted XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXXXXXX XXXX ( XX/XX/18 ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, 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 2018-03-01 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:
Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized inquiry had been made XX/XX/XXXX. 
I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXXs ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, 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 2018-03-01 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:
Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized inquiry had been made XX/XX/XXXX. 
I contacted XXXX XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, 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 2018-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Crown Holdings, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX continued to call me and eventually caused me to loose two days work. I told them my debt with XXXX XXXX was paid. They continued to bomb my phone. Many times multiple calls in one day.

Company response to consumer: Closed with non-monetary relief