vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-01 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
Ally Financial Inc . XXXX MN XXXX ( XXXX ) XXXX It 's rediculous that this company ran my credit without my authority. I Have 3 Hard Inquiries in my XXXX Credit Report XX/XX/XXXX - XX/XX/XXXX- XX/XX/XXXX this has to be removed it 's affecting my credit report. National Credit Cards / Airlines. XXXX XXXX XXXX California XXXX XXXX This company ran my credit without my authority. I have 3 Hard Inquiries XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX This is affecting my credit report it has to be removed from the XXXX Credit Report. XXXX / XXXX XXXX XXXX Illinois XXXX XXXX was run twice without my authority. XX/XX/XXXX - XX/XX/XXXX It 's been affecting my credit report from XXXX Has to be removed XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Hard Inquiries XX/XX/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 explanation
Consumer complaint received 2017-08-01 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:
In XX/XX/XXXX I cosigned a private XXXX XXXX Loan for my wife. In XX/XX/XXXX, we had financial hardship and the loan went into default. The last payment on this loan was in XX/XX/XXXX. XXXX XXXX NEVER reported to the credit bureau the loan going into default in XX/XX/XXXX. In XX/XX/XXXX, XXXX XXXX sold the loan to XXXX who took it over and reported the loan being in default in XX/XX/XXXX, which is not accurate, and therefor it re-ages the loan by 2 years which is also illegal. I have made multiple disputes on my credit report about this issue and it has not been fixed. I have also contacted XXXX directly and they refused to update the information correctly on my report. XXXX told me my last payment was in XX/XX/XXXX so requested proof from them of the last payment on the account and they could not provide it. I have bank statements attached that prove when my last payment on that loan was in XX/XX/XXXX and no further payments were made after that point

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX I cosigned a private XXXX XXXX XXXX for my wife. In XX/XX/XXXX, we had financial hardship and the loan went into default. The last payment on this loan was in XX/XX/XXXX. XXXX XXXX NEVER reported to the credit bureau the loan going into default in XX/XX/XXXX. In XX/XX/XXXX, XXXX XXXX sold the loan to XXXX who took it over and reported the loan being in default in XX/XX/XXXX, which is not accurate, and therefor it re-ages the loan by 2 years which is also illegal. I have made multiple disputes on my credit report about this issue and it has not been fixed. I have also contacted XXXX directly and they refused to update the information correctly on my report. XXXX told me my last payment was in XX/XX/XXXX so requested proof from them of the last payment on the account and they could not provide it. I have bank statements attached that prove when my last payment on that loan was in XX/XX/XXXX and no further payments were made after that point

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 2017-08-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
According to the NCAP ( National Consumer Assistance Plan ) reporting guidelines implemented by XXXX, Equifax and XXXX : Beginning XXXX XXXX, 2017 public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of : ( 1 ) Name, ( 2 ) Address, and ( 3 ) Social Security Number and/or date of birth and Minimum frequency of courthouse visits to obtain newly filed and updated public records of at least every 90 days. " ... civil judgments and approximately half of tax liens are not expected to satisfy the enhanced standards and will no longer be reported. These changes will be applied to the CRAs consumer reporting databases in XXXX 2017. Modifications will be visible on credit reports soon after. '' I contacted XXXX, Equifax, and XXXX on XXXX XXXX, 2017 to have a lien removed from my credit report as it did not meet the minimum reporting requirements as outlined above in the NCAP. My request was refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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: CA

Complaint narrative:
According to the NCAP ( National Consumer Assistance Plan ) reporting guidelines implemented by XXXX, XXXX and Experian : Beginning XXXX XXXX, 2017 public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of : ( 1 ) Name, ( 2 ) Address, and ( 3 ) Social Security Number and/or date of birth and Minimum frequency of courthouse visits to obtain newly filed and updated public records of at least every 90 days. " ... civil judgments and approximately half of tax liens are not expected to satisfy the enhanced standards and will no longer be reported. These changes will be applied to the CRAs consumer reporting databases in XXXX 2017. Modifications will be visible on credit reports soon after. '' I contacted XXXX, XXXX, and Experian on XXXX XXXX, 2017 to have a lien removed from my credit report as it did not meet the minimum reporting requirements as outlined above in the NCAP. My request was refused.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX. XXXX is a fraudulent account that XXXX XXXX XXXX keeps reselling and the credit bureaus keep reinseting it without prior notification to me along with not taking into account that this is the same fraudulent account that was already removed from my credit reports. All of the documentation has been submitted to the credit bureaus along with the involved companies and the credit bureaus has failed to bock this account. Equifax, XXXX, XXXX. Equifax has had fraud paperwork, along with police reports and identity theft afidavit for over 2 months and has not completed the investigation. It has been over 60 days and equifax refuses to remove these fraudulent accounts ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. in accordance to the FCRA. Both XXXX and equifax has removed these accounts and blocked them. Equifax has not completed this investigation in over 60 days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
On XX/XX/XXXX Confirmation number XXXX I disputed the following items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As noted on the attached documents, as of XX/XX/XXXX they had not completed the investigation. I sent them a letter XX/XX/XXXX stating that the investigation has passed the 30-45 day investigation timeframe and they immediately changed the results to completed. I never received a letter stating the results. As you can see from the computer printout, they did not complete in a timely manner. I have also included a screenshot of what was disputed on that confirmation number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I had leased a vehicle and paid off all of the dues back in XX/XX/XXXX, returning the vehicle to the dealer. The XXXX XXXX XXXX company billed me {$750.00} for the excess wear and tear, that was paid off on XX/XX/XXXX via a check that cleared XXXX XXXX, 2017. To my surprise I find I was reported to the credit agencies as missed my payments for 2 months. This was without any prior communication. My credit was hit over XXXX points. I tried to call XXXX, but they would only say they have no information and I need to connect with their collection department.

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 2017-08-01 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had leased a vehicle and paid off all of the dues back in XX/XX/XXXX, returning the vehicle to the dealer. The XXXX XXXX XXXX company billed me {$750.00} for the excess wear and tear, that was paid off on XX/XX/XXXX via a check that cleared XXXX XXXX, 2017. To my surprise I find I was reported to the credit agencies as missed my payments for 2 months. This was without any prior communication. My credit was hit over XXXX points. I tried to call XXXX, but they would only say they have no information and I need to connect with their collection department.

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 2017-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I got an American Express Server Prepaid Debit card based on the great things my husband said about them as an alternative to regular banking. I was planning to use it for some bill paying, and as a way to keep a little side savings account, with liquidity options in case an emergency might rise and I 'd need cash ( my bank has very small limits for our debit cards ). I 've seen my husband use his once when we were on vacation and wanted to buy some local crafts whose vendors would only accept cash, and he showed me how the Serve Card lets you withdraw {$750.00}, which is almost three times more than my bank debit card allows ( we live in a small town, and use a local independent bank, well, credit union really. I had n't used it that much, but began using it a few months ago, when, much to my surprise, they all of a sudden told me my card had been canceled, and not two days later my husband 's was canceled as well! He called American Express and spoke with someone, who told him that his card had possibly been involved in some fraudulent activity, and so his card had been shut off. He can describe it better, and he just submitted a claim for his card as well. I was too upset to call them, I had almost eighteen hundred dollars on that card! We had to borrow some money for our vacation last week due to the money that Amercan Express is withholding from us, and we most certainly did n't commit any fraudulent activiy with our usage of our cards! He ( my husband ) says we should contacty you and your agency to get help with at least getting our ending balances back. I 'd like them to re-instate my card also, how long does it take to find nothing? Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-01 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: CORELOGIC INC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX MN XXXX ( XXXX ) XXXX It 's rediculous that this company ran my credit without my authority. I Have 3 Hard Inquiries in my XXXX Credit Report XX/XX/XXXX - XX/XX/XXXX- XX/XX/XXXX this has to be removed it 's affecting my credit report. National Credit Cards / Airlines. Credco XXXX XXXX California XXXX XXXX This company ran my credit without my authority. I have 3 Hard Inquiries XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX This is affecting my credit report it has to be removed from the XXXX Credit Report. XX/XX/XXXX / XXXX XXXX XXXX Illinois XXXX Credit was run twice without my authority. XX/XX/XXXX - XX/XX/XXXX It 's been affecting my credit report from XXXX Has to be removed XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX 2 Hard Inquiries XX/XX/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 explanation
Consumer complaint received 2017-08-01 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX. XXXX is a fraudulent account that XXXX XXXX XXXX keeps reselling and the credit bureaus keep reinseting it without prior notification to me along with not taking into account that this is the same fraudulent account that was already removed from my credit reports. All of the documentation has been submitted to the credit bureaus along with the involved companies and the credit bureaus has failed to bock this account. XXXX, Transunion, XXXX. XXXX has had fraud paperwork, along with police reports and identity theft afidavit for over 2 months and has not completed the investigation. It has been over 60 days and equifax refuses to remove these fraudulent accounts ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. in accordance to the FCRA. Both transunion and XXXX has removed these accounts and blocked them. XXXX has not completed this investigation in over 60 days

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 2017-08-01 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX. XXXX is a fraudulent account that XXXX XXXX XXXX keeps reselling and the credit bureaus keep reinseting it without prior notification to me along with not taking into account that this is the same fraudulent account that was already removed from my credit reports. All of the documentation has been submitted to the credit bureaus along with the involved companies and the credit bureaus has failed to bock this account. XXXX, XXXX, Experian. XXXX has had fraud paperwork, along with police reports and identity theft afidavit for over 2 months and has not completed the investigation. It has been over 60 days and XXXX refuses to remove these fraudulent accounts ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. in accordance to the FCRA. Both XXXX and XXXX has removed these accounts and blocked them. XXXX has not completed this investigation in over 60 days

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 2017-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: OH

Complaint narrative:
Calls many times a day at different times. They never leave a message. They call from XXXX The company IC, systems I will also forward a copy of this complaint to my attorney. XXXX XXXX who will handle this matter.

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 2017-08-01 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: Navient Solutions, LLC.
State: WV

Complaint narrative:
My loan balance has steadily increases over the last few months at lease {$1700.00}. When I called Navient, they informed me it was due to uncapitalized interest. Each month I make my monthly payment, on auto payment so they do n't mess it up, and a portion of the payment is applied to principal. After calling, I was informed interest accrued daily and I only paid what accused during the billing period. Other letters from Navient state they will apply payment to excess payments to accrued interest only then principal. When making extra payments, I would choose not to move the next due date. The due date always was extended and the loan terms changed at times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There is a charged off account reporting on my XXXX Credit file that is not mine..i requested written verification and written validation that the account was mine and i have yet to receive it ... They have not proved that the amounts nor the dates on this account are correct. The account in question is from XXXX XXXX XXXX XXXX XXXX and should be removed from my account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I have a collection account listed on my credit reports by a debt collection agency RESOLUTION SERVICE, Collecting on behalf of XXXX. I am not aware of this contract and it does not belong to me. I requested verification of debt and account on XXXX XXXX, 2017 and the business failed to provide proof. Because of that, I am not responsible for the 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 2017-08-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: MD

Complaint narrative:
In XX/XX/XXXX, I submitted the online form for my IDR repayment. I was told that I would need to submit a paper form this year. On XX/XX/XXXX I submitted all the required paperwork to continue on an IDR plan. On XX/XX/XXXX, I received notice that FedLoan required additional paperwork in the form of a XXXX form. I faxed the XXXX form on XX/XX/XXXX. I did not receive any additional notifications form FedLoan. On XX/XX/XXXX I received notification from FedLoan that my payment for XX/XX/XXXX would be {$900.00}. On the IDR plan, my payments have been {$260.00}. I have been dealing with FedLoan Servicing 's incompetence and illegal behavior for 4 years. Each time I deal with them I am told incorrect information, am lied to, and have money stolen from me. The attached files are only a fraction of the countless letters I have sent in to FedLoan Servicing and make no mention of the hours I have spent trying to correct their wrongs. I also lost hundreds of dollars when I was forced to pay off my XXXX Grant only to have it reinstated many months later and was not paid interest or the full amount that was paid to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On Sunday, XX/XX/XXXX, I attempted to use my Bank of America debit card at a local restaurant. The merchant informed me that my card was declined. In disbelief, because I knew what my account balance was, I called the banks customer service. After being on hold for over 30 mins, no satisfactory solution was provided. I was told that my card is marked as " expired '' in their system, despite my card being valid in accordance with the expiration date on the physical card. The representative acknowledged in the recorded phone call that they do n't know what the problem is. All they could tell me at this point was to wait for a replacement card in the mail, which could take over a week. I was very disappointed and upset and there was no manager available to fix my issue. I requested for a manager to call me as soon as possible. Apparently Bank of America does n't value their customers enough to even call them back when they are suffering from a circumstance that is a fault of the bank and not the consumer. No recompense has been provided so far. I made a fool of myself with the local restaurant. I would like for Bank of America to provide recompense for my troubles and embarrassment.

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