vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-10 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: MO

Complaint narrative:
I have contact Experian on several occassions in regards to inquiries on my credit file that I did not authorize. I am told that I have to contact the companies directly to inquire about the inquiries. I have multiple duplicate inquiries some from the same company withing days of one another. Some of the inquires really dont make any sense, for example.. there is an inquiry from   XXXX   XXXX    XXXX  this is a company that leases equipment to businesses. I am not a business owner why would I apply for credit to get business equipment. Another one is from  XXXX   XXXX , tried calling this company and it never puts me through to a person and then the line hangs up, cant even leave a voicemail. I spoke with Experian and told them that tthis   XXXX   XXXX   is showing an inquire for  XXXX  and then again for  XXXX . I have several inquiries on my report that are withing days or not even a month apart. I did not authorize any of the inquiries I called them about and yet no one will even go down the list with me to even look at the inquires so that they can atleast see what my concerns are. I did not apply for any loans or credit cards from any of the companies listed in my inquiries. my ch  XXXX  bankruptcy  discharged  in  XXXX  2017. any inquiries listed before  XXXX  were not authorized by me. Why would I apply for  credit one day and then apply to the same company the next day? something  is not right with the inquiries on my credit file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: NY

Complaint narrative:
Debt Collector  has reported me delinquent w ith two 3rd part y Credit agencies with out ever having contacted by phone or mail regarding debt nor have they identified the debt nor have they provided me with any information regarding this debt. I have received no validation notice proving this debt belongs to me nor have i been given a chance to dispute this debt before  Debt  Collector reported this debt negatively to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 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: NJ

Complaint narrative:
I reached out to Experian and  XXXX   XXXX  to get the information on my credit report updated and accurate. I asked for them to please send me verification of the debts I am contesting according to the Fair Credit Reporting Act, Sectio n 609 ( a ) ( 1 ) ( A ), yo ur company is required by federal law to verify - through the physical verification of the original signed certified consumer contract. I received letters back that they had verified them but I did not get any documents with signatures or proof in regards to these debts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I was notifi ed by care credit that my min. payment owed was {$200.00}! I understand that i did not pay off the {$1 000.00} dollars in a year, But i never missed a min. Payment in that year.Why in the world is my Min. now {$200.00}? I did not know this would happen, no one called me at the beginning to inform me of these changes.I am now paying {$35.00} a month, That is all i can afford! I received a very nasty phone call from one of their rep 's, telling me in no certain terms that we need to go ahead an take care of this NOW! I do not want any trouble, I always try to come to some kind of agreement. I really do n't appreciate the tone i was talked to in, I found it to be very rude! Is there any way i can get some kind of help dealing with this situation?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-10 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: IN

Complaint narrative:
Experian is reporting the following incorrect spelled names :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax is reporting my son 's bankruptcy on my credit report. I 've disputed this several times with them and each time they come back and still say it is mine. I 've sent them my son 's info DOB, SSN, along with case number for the bankruptcy. Now my son and I share the same name and is a  XXXX  so I can understand maybe the confusion but not after I 've disputed and shared this info with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was denied credit from  XXXX    XXXX   XXXX   XXXX  and Required to pay a {$290.00} deposit to open my service. When I asked  XXXX   XXXX   XXXX  to furnish me with the document they used to determine my creditworthiness, they refused and told me it is not based on my FICO (  XXXX   )  or my credit report ( also perfect ). All they told me was experian told  XXXX   XXXX   XXXX   XXXX   XXXX  to deny me credit. Yet, my Experian report is flawless with nothing negative. Experian does not provide any customer service whatsoever. I have been denied credit and stonewalled when I attempt to exercise my right to understand why I am denied credit. This sounds like a perfect case for the CFPB!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Midwest Loan Services, Inc.
State: NH

Complaint narrative:
eOn    XXXX   XXXX  , I called  Midwest Loan Services , Inc . to get a payoff amount for my mortgage. They sent me a letter with instructions. On   XXXX   XXXX  ,  XXXX   XXXX ,  XXXX  wired the payoff amount to Midwest. Since then I have called  Midwest  several times trying to get back the mortgage payment of {$890.00} that was "  Transaction   Date   X/X/17    '' and  Due Date   X/X/2017   . On   XXXX   XXXX  , I went to  XXXX   XXXX   XXXX   XXXX  where I had gotten my mortgage to see if they could help me. They lady was on the phone for a lengthy period of time before she gave up and handed the phone to me and said good luck. Once again they quoted me numbers that did not make sense to me and that do not appear on any of the documentation. That is why I am here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I have been a Credit Card customer of Barclay Bank for years, and recently, I had missed a payment because I did n't receive the statement. When I received an email AFTER the payment was late, I immediately logged online and paid the entire balance including the late fee. I called to ask for a waiver of the late fee as I did n't get a statement. And the bank refused citing that they had waived it once before which the reason again was because they did n't send me a statement at that time. I offered to remedy any future missing statements by setting up autopay but the rep was adamant about no fee waiver the  2nd time. I have been a customer for many years, and had never ever missed a payment except these 2 times. I asked for this fee waiver as a final time since setting up autopay will avoid any problems in the future. A manager did call me back but he called me on my WORK phone when I specifically asked to be contacted by cell phone, and I provided the cell number. I ca n't believe the manager left me a voicemail at work when I did not want my personal business to be left on my work number! They did n't respect people 's pr ivacy

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tower Loan of Mississippi, Inc.
State: MO

Complaint narrative:
XXXX / XXXX / 17   XXXX   XXXX  I received a phone call at work after explicitly telling them to not call me at my place of employment. It was not given as an option but as a specific instruction to not call me at work 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 explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
Citibank closed credit card without our knowledge yesterday. We found out about it after multiple purchases were declined. Citi will not prov ide any information on the closure of the account over the phone. Tried to cash out on the cash rewards balance and they are saying that I ca n't because we closed the account. We did n't close the account. I would like all cash rewards sent via check to address on file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK
State: HI

Complaint narrative:
XXXX   XXXX   XXXX  - I called  Discover Student Lo ans and asked about deferment options. Explained in detail that my truck was broken and the estimate I was given to fix it was $  XXXX  {$5000.00}. I was told I could defer my payment for  XXXX  and have repayments start up again in  XXXX . They read to me over the phone the clause about understanding how th e 3-month deferment would effect future payments and I agreed. One month later I receive notificati ons that my payments are past due. I called DSL and asked them what happened to my deferment, they said notices were sent  XXXX  and  XXXX , I told them I was on a trip on  XXXX  and have n't checked my mail since we got back almost a week later but that I did get the email notification. They outright said " looking at the notes here I apologize you were given the wrong information, you should not have been offered the deferment to start with. '' I asked them what they could do because I already had made a realistic financial plan for the 3 months around fixing my truck and still paying my mortgage and other necessary home expenses. They forwarded me to  a Senior Accountant and he said " well if we do n't receive payments after 68 days we 're reporting you to the Credit Bureaus. '' Then he corrected himself and said we need almost {$800.00} in less than one mo nth!!! I told him, does no one understsand the situation I 'm in, I specifically gave all my information about my truck and I 'm just supposed to have {$800.00} in less than a month? I asked him - even though it was your fault for giving me the wrong information and even though I was approved on the phone, which it says in my account notes, there is absolutely NOTHING you can do, even though it 's DSL 's fault? He said yes, nothing they can do even though it was their fault. I asked if they could just honor what I was approved for because I had planned on starting repayments in  XXXX , he said no. Then he started to give me attitude and said - well we sent a letter that you did n't qualify on  XXXX   XXXX , I told him I did n't get that letter and he just kept giving me attitude. Really?! So they can give their consumers wrong information, approve products, and then " send a letter '' saying you were denied, no phone call, no email. I explained to them the situation from the beginning and stressed my financial situation, I said I could even forward receipts f or towing, parts, labor etc to prove how much it was costing me to fix my truck. The Accountant still said - there is nothing we can do even though we gave you the wrong information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Motoring my credit thr ough 3 different websites I have attempted to correct false information. When getting in touch with the credit agency they inform me that my name is linked to a closed account ( s ) and I must contact the banking department. My name has been reported and linked to 1 o r more accounts incorrectly. I am unable to resolve the problem myself and upon inquiring with the company ( DSNB Macys ) they proceed to tell me the account is so old it should fall off soon. But its reflecting badly on my credit report and I want it fixed! Also the card was paid off but reopened under my social but incorrect name. If its not my name why is it being reported as such? I also noticed that there was a incorrect address and social linked to my credit report which was fixed and removed but not the names.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have contact   XXXX   on several occassions in regards to inquiries on my credit file that I did not authorize. I am told that I have to contact the companies directly to inquire about the inquiries. I have multiple duplicate inquiries some from the same com pany withing days of one another. Some of the inquires really dont make any sense, for example.. there is an inquiry from   XXXX   XXXX   XXXX   this is a company that leases equipment to businesses. I am not  a business owner why would I apply for credit to get business equipment. Another one is from  XXXX   XXXX , tried calling this company and it never puts me through to a person and then the line hangs up, cant even leave a voicemail. I spoke with   XXXX   and told them that tthis   XXXX   XXXX  l is showing an inquire for  XXXX  and then again for  XXXX . I have several inquiries on my report that are withing days or not even a month apart. I did not authorize any of the inquiries I called them about and yet no one will even go down the list with me to even look at the inquires so that they can atleast see what my concerns are. I did not apply for any loans or credit cards from any of the companies listed in my inquiries. my ch  XXXX  bankruptcy discharged in  XXXX   XXXX  any inquiries listed before  XXXX  were not authorized by me. Why would I app ly for credit one day and then apply to the same company the next day? something is not right with the inquiries on my credit f ile

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 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: GA

Complaint narrative:
My name is   XXXX   XXXX  . I have several accounts listed on my credit reports that are listed incorrect information *violations of sect  623 f cra*.   XXXX    and Equifax will not remove this accounts. I have disputed this information and they only will allow me to re-dispute the information which results in the information remaining on my account. I called today to both agencies to have this information deleted, but was advised I had to place another dispute. I can not log in online with either of these companies ( which I am assuming is due to my continued disputing this inaccurate information. ) The accounts are   XXXX   XXXX   XXXX   which shows  XXXX  120 day late payments ( missed payment violation ) sec t 623 fcra states an account cant be listed more than 90 days past due which it shows 120  on both sites.  XXXX  collection account is a violation of a hippa agreement.  XXXX   XXXX   XXXX   XXXX  I have no contractual agreement with and should also be removed from both reports.  XXXX  is an account that shows as a revolving credit which is inaccurate ( this is not a credit company and I have never had credit with them ).   XXXX   XXXX   bank is listed on my reports as charged off but was sold to a collection agency which is also a violation. An account cant be charged off then sold to a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Reverse Mortgage Solutions, Inc.
State: AZ

Complaint narrative:
I was unable to pay the property taxes and flood insurance in  XXXX  of    2016  and asked the lender to pay it and give me a payment plan to repay it. Called numerous times, wrote many letters, received no direct response to my request other than letters telling me that since I was obligated to pay taxes and flood insurance and had not done so, they would put my home in foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 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: The Receivable Management Services LLC
State: IL

Complaint narrative:
I have had the same problem occur for the last two months. Collection agency  Receivable Management has repeatedly added an account on my credit report with inc orrect statuses, balances etc. Even after having the account deleted, they add it back with more incorrect data every month causing a large reduction in my credit scores for   XXXX   and  XXXX . Then afterwards it gets removed again only for it to show up again dropping my credit scores without prior notice or with correct data. I have called the credit bureau s and Receivable Management concerning this issue and they are unwilling to fix the problem. This accoun t has been removed and should not be added every month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I am filing a complaint against  Convergent   XXXX   XXXX   XXXX   a nd credit bureau  XXXX   &   XXXX . I receive a debt collection letter by mailing regarding a  XXXX   XXXX  account #  XXXX . I have no knowledge of this account information under  XXXX   XXXX . On  XXXX / XXXX /  XXXX   I sent a certified letter asking this agency to verify this debt with documentation and have not received a response from them, However I also disputed with  XXXX  and  XXXX  on several occasions and they continue to send credit report back as being verified. This debt collection agency has not responded to my request so how is it that the credit bureau continue to verify this account as my debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The account from  XXXX   XXXX  on my Equifax credit report was disputed and removed on  XXXX   XXXX ,   XXXX   and in checking my report today it has reappeared as  XXXX   XXXX   XXXX . Cancel, and reported again on  XXXX   XXXX ,   XXXX   and the amount is now higher than the original {$140.00} balance, the balance is now {$190.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is not correcting personal information or deleting incorrect accounts that do n't belong to me. For instance they are reporting an  XXXX   XXXX   XXXX  account and  XXXX   XXXX   XXXX  and a Treasury that are incorrect, and they must remove the incorrect information. What Equifax has been stating instead is that the customer disputes the information.     My student loan is being held up because of this.

Company response to consumer: Closed with explanation