vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-16 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: Sequium Asset Solutions, LLC
State: KS

Complaint narrative:
A collection from sequiium asset solutions appeared on my credit report in XX/XX/2019. I sent them a letter requesting a validation letter and I never received a response. I called them and told them my name and they could give me no information, as if they didnt know who I was. Filed a complaint with consumer finance and in their response said they would send me a fraud packet-never received it. I dont want to sue this company, only want them to stop reporting that I owe money on my credit report that I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Invested into XXXX using coinbase invested XXXX $ and went to withdrawal the money through wire transfer and never seen the money after 6 days I NEED HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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: LA

Complaint narrative:
I have no knowledge of the following inquiry XXXX XXXX XXXX XXXX XX/XX/2019. Please investigate to make sure there is no fraudulent activity.

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 2019-05-16 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: NV

Complaint narrative:
I had Identity theft, Equifax is still reporting a charged off account from XXXX XXXX ( Credit Card ) on my personal credit report. XXXX and XXXX have already deleted this account off my personal credit report. I have sent Equifax required documents for removal, they are insisting this account is mine per there investigation. I have submitted a Police report with all required information per them for removal and they still won't. I can not upload these documents to you per the bullet points due to personal information, unless you request them. I have sent required documents to XXXX XXXX XXXX  as well. XXXX is telling me I authorized someone to open this account on my behalf. I have requested validation letters, contracts with signature and how they are investigation my claim per the Fair Credit act and I  haven't received anything in the past 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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: LA

Complaint narrative:
I have no knowledge of the following inquiry XXXX XXXX XXXXXX/XX/2018. Please investigate to ensure their is no fraudulent activity.

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 2019-05-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
They have been contacting my neighbors and random people in my city about a debt that isnt even mines. Called my colleges clients about me. I am a real estate agent who can not afford them defaming my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
In XXXX this year I filled a complaint because I was trying to get Navient and XXXX to communicate with each other and reslove this matter. I was advised by CFPB " When two borrowers obtain a consolidation loan they become jointly obligated to repay the entire loan. If one of the borrowers become totally and permanently XXXX, that borrower may qualify to have their portion of the debt that represents their underlying loans discharged. During these situations, the consolidation loan will be reduced by the amount representing the XXXX borrowers portion '' My husband who is XXXX   XXXX have a consolidated student Loan. 
We filled out an appplication with XXXX to discharge his part of the loan. 
XXXX told me that Navient did not report anyone owing the loan except for me. When they check with the XXXX XXXX department, my husbands name is not included so they can not discharge his part of the loan. I have gone back and forth since XXXX concerning this. I would like to know what steps I can take to resove this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Transunion lowered my credit score by 43 points without reason. I have no late payments, no missed payments, no new credit accounts nor have I applied for new credit. My scores have continually risen throughout this year. Last months Transunion report shows I paid down my total credit debt by more than {$1500.00} that month and had 2 hard inquires fall off my report, and as a result they lowered my score. 43 points is a big drop and this has been reported to several of my creditors already damaging my credit standing. I called Transunion and was told I can not dispute a score because it is done by a computer program. They must be forgetting a program is only as good as the human entering the data for it to use. There is nothing to dispute on my report itself because there are no negative items on it. My score has continued to increase with both the other 2 credit reporting agencies. This is a completely unfair practice and the stance they take based on it being calculated by a computer so it has to be right is also an unfair and bad practice. It can take many months to recover the points they took and too lower someone's score just BECAUSE is as unfair as it gets in my option. We all know in todays what credit ratings mean.

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 2019-05-16 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
I had already made my payment for this month and had a {$0.00} balance due. I got an email today from Navient, XX/XX/19, that " the payment term for your loans has changed ''. It then says next payment amount : {$50.00}, and next payment due date : XX/XX/19. So they changed the terms of my loan to instantly cause a past due payment. I go into my loan and sure enough, it has in big red letters that it is " PAST DUE ''. I had made a payment on XX/XX/19 for {$400.00} toward this loan and had no balance due this month, then suddenly they created a retroactive past due balance. I'll be so angry if this hurts my credit score.  How can this be legal? I immediately submitted payment even though this shouldn't have happened and just needed to report this insane behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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: MI

Complaint narrative:
My TransUnion credit report shows two inquiries that shouldn't be on it. On two different occasions, I disputed those inquiries for their inaccuracies. I submitted letters written from the companies that ran the inquiry.

One company stated that they had NO documentation, no proof of permissible purpose for my credit being run on XX/XX/2018. That inquiry was : TransUnion Rental ScreeningXXXX XXXX. TransUnion has failed to remove that inquiry. The inquiry remains on my credit report. It is inaccurate and unverified and it needs to be deleted. I have attached the mentioned letter for proof. 

The second company, XXXX XXXX, submitted a request to TransUnion to change an inquiry that they made on XX/XX/2018 from a hard inquiry to a soft inquiry. The inquiry remains on my credit report as a " Hard '' inquiry. TransUnion has ignored the request from XXXX XXXX to change it to a " Soft '' inquiry. This inquiry was reported wrong and needs to be updated as stated or deleted. I have attached a letter that XXXX XXXX wrote to me informing me of their request to TransUnion for proof.

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 2019-05-16 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: IL

Complaint narrative:
To whom it may concern : On XX/XX/2019 I sent Experian 2 letters regarding errors on my credit report. The first letter was about to 2 XXXX XXXX XXXX that are appearing on my report. They do not belong to me and should not be on my credit report. The second letter is about inquires that were not authorize by me nor did I give permissible purpose to request my credit profile. I received 2 responses one on XX/XX/2019 and the other on XX/XX/2019 from the Experian stating that the XXXX XXXX credit cards and inquires were verified. In both of my letters I requested that they provide me with proof of investigation. They did not send me any proof. I have concluded that they did not do an investigation and sent me a computer generated response. It does not say who they talked, when they talked to them or what type of evidence they gave to support theses accounts. This is a violation of the fair credit reporting act. I included both my ID and Social Security card to prove my identity. In addition, they also stated they do not have re-investigate. This is also a violation of the fair credit reporting act. The inquires and credit cards should be removed from my credit report immediately. Experian has violated my rights under the fair credit reporting act. 

Thank you 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 2019-05-16 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: NC

Complaint narrative:
XXXX  XXXX XXXX XXXX $ XX/XX/XXXX XXXX XXXX $ XX/XX/XXXX XXXX XXXX XXXX $ XX/XX/XXXX XXXX XXXX XXXX $ XX/XX/XXXX XXXX XXXX XXXX $ XX/XX/XXXX XXXX XXXX XXXX $ XX/XX/XXXX 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 2019-05-16 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:
I have no knowledge of the following inquiry XXXX XXXX XXXXXX/XX/2019. Please investigate to ensure there is no fraudulent activity.

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 2019-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Millco Management
State: GA

Complaint narrative:
i have reapeatly contacted XXXX XXXX XXXX and American Financial Solutions since XX/XX/2018 regarding a medical bill obtained on XX/XX/2018, that has been paid by Medicaid. I have spoken with the supervisor at XXXX XXXX XXXX that have verified that the bill was paid. I have spoke with a supervisor at AFS who has also verified that the bill was paid. Instead it was sent to XXXX as a debt. I have been told that the information will be corrected by XXXX XXXX XXXX and AFS. It is still showing up. In addition it should never been placed on XXXX since it was paid by the insurance ( Medicaid ) in a timely manner. I had excellent credit ( 800+ ) until this was placed on my account with XXXX . I dont have money to obtain a lawyer to correct this mistake.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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:
I have no knowledge of the following inquiry XXXX XXXX XXXXXX/XX/2019.  Please investigate to ensure there is no fraudulent activity.

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 2019-05-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I was in a wreck in XXXX of 2016. The car I had through Capitol One Auto Finance was totaled out by the insurance company XXXX XXXX in XX/XX/2016 At the time I had full coverage through the company and gap insurance as well. Well the company settled XXXX leaving a balance of XXXX. Gap insurance sent over 2 checks XXXX and also XXXX. The total balance of the car owed XXXX. This left the account paid in full. Then 2-3 months later the XXXX XXXX XXXX started reaching out stating that I owe XXXX XXXX Ive been disputing with them for the last 4 years. They arent able to tell me exactly why XXXX is owed on the account when they originally gave the numbers to the insurance company of what was due. Now that Im paying close attention to my credit Ive been asking them to fixed the account they have refused to do so. Hopefully Im able to get some assistance this way. They have reported the account late and default which is not true. The account was paid in full from all paper work I received

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
We have been dealing with the credit reporting agencies since last year. We been asking them to provide information how they get our public information about our public records. They keep coming back with XXXX XXXX XXXX XXXX. But I thought if you have items included in the bankruptcy they should remove the items from the credit report. I even received a letter from the court system stating they don't report this kind of information. I have medical bills that was updated that was included in the bankruptcy. We have a lot of things on our credit report dated after the bankruptcy date of XX/XX/XXXX. They keep asking us to provide proof but what good as that if you keep giving them the information and they giving us the same response. Then if you filed a chapter XXXX bankruptcy XX/XX/XXXX if should have a date of 90 days to process right? But the complete discharge date is XX/XX/XXXX. This information is also on my husband 's credit report too. This is stopping us from going on with our lives. So we decide to turn to your company for help.

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 2019-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I called Toyota Motor Credit in XX/XX/XXXX explaining that I had my information on auto pay and as result that I did not want to lose out on payment date and receive late days. 
I wanted them to be aware to work with me, as I had gone through some financial issues outside of my control and was trying to build back up so I may continue using service freely and as mentioned I am back on track with my payments. Except for late payments reported for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I expected this to occur as my information was purged and everything was set up on auto pay this is the account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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:
I have no knowledge of the following inquiry XXXX XXXX XXXX XXXXXX/XX/2019. Please investigate to ensure there is no fraudulent activity.

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 2019-05-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have no knowledge of the following inquiry Capital One Auto FinanceXX/XX/2019. Please investigate to ensure there is no fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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:
I have no knowledge of the following inquiry XXXX XXXX XXXX XXXX. Please investigate to ensure there is no fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Aqua Finance, Inc.
State: GA

Complaint narrative:
In XX/XX/2019 I had a water purification system demonstration performed at my house by a awesome rep named XXXX. I was convinced after all the testing to get a system installed. I was so convinced I wanted to get one for my mom who is a XXXX XXXX military vet. I was told by someone at XXXX who called to verify my information, that in order to get both water systems that we ( myself and XXXX ) need to tell the finance company ( Aqua Finance ) that the way my house was designed, I needed two systems. When Aqua called they didnt bring up the issue of 2 systems. I had my system installed and scheduled the demonstration for my mom. She had to reschedule the demonstration due to doctors appointments. She was notified during this time that she had to have XXXX immediately. After further thought, my mom decided not to have they system installed because extra funds were going to be needed for her care. I contacted XXXX to advise them that we were not going to get the 2nd system installed at my moms. I was told that my 3 days had passed and there was nothing that could be done because the finance company wasnt going to make any adjustments. I contacted Aqua Finance who stated they couldnt resend the contract but XXXX can call them and make an adjustment to my account. XXXX refused. They actually became very nasty. I was told that they could drop the system off and I could try to sell it to get my {$8000.00} back. They said that IF they made any adjustments I would have to pay the fees associated. I said ok, how much are the fees, she said at least {$4000.00}. I laughed and asked why would I have to pay {$4000.00}? She said because commissions were already paid and fees were already paid to the finance company. I said it would be like any other company that makes returns/adjustments to commission checks and financing companies and I refused to accept that offer. We argued for weeks over this. When I said I was going to contact Aqua Finance and dispute the amount with them, I was told that I would be jeopardizing my financing and that Aqua could void the entire contract then the {$15000.00} would become due immediately and they ( XXXX ) would be calling me for a check or credit card for the full balance! What makes this situation even worse is the scare tactics they tried to use. I have made my payments to keep the account current until this issue is resolved. I was also told that I received extra discounts on my system because I was getting 2. I advised that the extra discounts went to the second system because they gave my mom a senior discount and military discount. My system had its own discounts. 

I will also be making a CFPB complaint, FTC complaint, AG complaint. They have also violated the FDCPA!

Company response to consumer: Closed with explanation