vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-10 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: DC

Complaint narrative:
I recently pulled my credit report and noticed inquiries that I didn't authorize

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 2018-05-10 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: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed XXXX Inquiry Date XX/XX/2017 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
I transferred the property by quit claim deed to my ex-husband in my divorce and 6 months prior to that a motion was filed that stated he was responsible for all mortgage payments on the home. He failed to make any mortgage payments and the house went into foreclosure. I attended the foreclosure mediations and was able to get myself " removed as a defendant '' from the foreclosure. The final judgement was only served on my ex-husband. I have a letter from the attorney 's office who handled the foreclosure stating I had interest in the action and I was not a party to the foreclosure together with a copy of the withdrawal they filed. This was all provided to Ocwen and all I and my current lender has asked is to remove the language " foreclosure '' from my credit report so I can move forward in applying for a mortgage but they refuse to. 

I need this language removed so I can apply for a mortgage. I was not a party of the foreclosure therefore it should not appear on my credit report. This is all we are asking and they refuse to remove it. 

Please advise if you can help. This is all that is holding me up from getting a mortgage. It's unfair that I have to suffer for what my ex-husband decided to do. 


My current lender contacted them on XX/XX/XXXX and faxed all required information to them Both myself and my current mortgage company followed up with them on XX/XX/XXXX and was told it would be resolved in a few days My current mortgage company called them again on XX/XX/XXXX because we did not hear back from them as they had stated and they sill refuse to remove " foreclosure '' from my credit report I called on XX/XX/XXXX and the stated a case had to be opened and it would take 10 days even though we had previously called and provided all the requested documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 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: Navient Solutions, LLC.
State: SC

Complaint narrative:
My loan is being servied through Navient and i beleive that they have used predatory lending practices towards me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX and XXXX have started investigations based on the exact same request, I sent required information i.e. their internal file number. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. I plan to take legal action but I want to create a paper trail.

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 2018-05-10 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX. After verifying that that XXXX was misreporting my dispute I sent through CFPB with XXXX XXXX accounts as fraud, I contacted Equifax to see if the complaint sent to them as mislabeled as fraud as well. The representative verified the XXXX dispute was labeled as fraud. I contacted CFPB and was told that the CFPB does not place labels on complaints & that they just forwards the complaint. Equifax labeling the compliant as fraud is inaccurate because : 1 ) Reference CFBP complaint # XXXX, I said that XXXX XXXX was fraudulently reporting that they have possession of my student loans. They sold my loans to another servicer in XX/XX/XXXX and did not have possession since. I was implying that the 3 credit bureaus knew this fact and allowed them to continuously report to them. Thus not properly verifying the information. I stated in lamens terms that the reporting is inaccurate not fraudulent. 2 ) I also found out that Equifax placed a fraud alert on my account without my expressed written permission through notification in the mail. 3 ) Equifax most likely was notified by XXXX about an account that I disputed as Fraudulent on my XXXX credit report, weeks ago. 4 ) When I logged in to find who was my servicer of my loan previously, it was not XXXX. It was XXXX, who is the US Department of Education 's default resolution group. 5 ) I have recently consolidated my student loans and another servicer that's not XXXX has possession of the loans currently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
XX/XX/2018 Amount : {$340.00} Bank : American Express Made a purchase and the shipping address was different from the billing address. Call the bank to stop the transaction but stated it was on HOLD until they get more information. Refuse to put funds back on the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Please remove the following unauthorized inquiries from my Equifax credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Advanced Financial Company
State: VA

Complaint narrative:
We have an annual timeshare maintenance fee of {$1700.00} due every XX/XX/XXXX. We also have all our taxes due at the same time and the holidays in XX/XX/XXXX. One XX/XX/XXXX, I paid XXXX XXXX XXXX {$1300.00} towards the {$1700.00} in fee 's. On XX/XX/XXXX, they added the following charges to our account : XX/XX/XXXX XXXX XXXX XXXX {$16.00} XX/XX/XXXX RF  Reinstatement Fee {$50.00} XX/XX/XXXX CF Collection Fee {$180.00} On XX/XX/XXXX, when I paid the balance of {$410.00}, I noticed the {$330.00} in additional charges. The debt never became 30 days delinquent. Other than a late fee, are they legally able to charge fee 's other than a late fee if the account is less than 30 days delinquent?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ULRS, Inc.
State: GA

Complaint narrative:
I called XXXX XXXX XXXX today XX/XX/XXXX to report an inaccuracy on my XXXX  and XXXX  Credit Report. On XXXX it is listed as XXXX XXXX XXXX XXXX i the amount of {$450.00} ( reporting date XX/XX/XXXX ) telephone number is for XXXX XXXX XXXX  and on XXXX it is XXXX XXXX XXXX in the amount of {$440.00} ( reporting date XXXX ). At the time of service I was a college student in XX/XX/XXXX and a legal dependent of my father XXXX XXXX XXXX, XXXX and I am XXXX XXXX XXXX, XXXX an unemployed college student. I needed XXXX   treatment in XX/XX/XXXX in which my father gave his consent for me go to the XXXX XXXX XXXX. XXXX in XXXX, GA my mother also signed for me to utilize their XXXX insurance and accompanied me each visit with the exception of my XXXX visit when my paternal grandmother passed. My father was gainfully employed and was making payments on my XXXX   account which he was responsible for due to the fact I was on his insurance and under the age of XXXX. My father became ill and XXXX in XX/XX/XXXX and was mo longer able to make payments on the account. The account was turned over to XXXX XXXX XXXX ( XXXX ). I tried to explain to the legal department of XXXX XXXX XXXX today XX/XX/XXXX. That the dentist office transposed the file due to the fact my father and I carry the same name. However, she stated I was responsible for the date because I was over the age of XXXX at the time of rendered service. If this was the case this debt should not have been filed on my fathers XXXX  insurance and no payments excepted from him to rectify the account. Might I add upon graduating from college in XX/XX/XXXX, I enlisted in the XXXX in XX/XX/XXXX, graduated from XXXX XXXX XX/XX/XXXX ( XXXX XXXX XXXX ) and XXXX XXXX for the full 13 weeks of training. I take pride in representing our country and my credit profile. I do not wish to carry a negative blemish for the clerical error of someone else 's mistake. I thank you for your assistances and immediate urgent attention in resolving this matter. 

In my conversation with XXXX in the legal department she was most rude and snappish towards my explanation and questioned the intelligent intellect of my mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I tried to have them remove false information. 
I would like to know their Rules and procedures for obtaining bankruptcy information. I have been in correspondence with XXXX XXXX XXXX, U.S. bankruptcy court And he stated the court does not communicate or verify information directly with the credit reporting agencys.

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 2018-05-10 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: PA

Complaint narrative:
I tried to have them remove false information. 
I would like to know their Rules and procedures for obtaining bankruptcy information. I have been in correspondence with XXXX XXXX XXXX, U.S. bankruptcy court And he stated the court does not communicate or verify information directly with the credit reporting agencys.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Navient has raised my interest rate every 6 months, in XX/XX/2018 my interest rate went up .25 % which it now at 11.25 % I have repeatedly tried to contact them regarding this ... .they tell me too bad they can do anything they want. My other student loans with the Department of Education have been discharged because of my XXXX which Navient refuses to accept. XX/XX/2018 my interest rate went up .25 % which it now rest at 11.25 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Specialized Loan Servicing Holdings LLC
State: NV

Complaint narrative:
Found out that my mortgage company, Specialized Loan Services ( SLS ), has yet to file my on time payments with XXXX credit Bureau. I have been calling them for over 3 weeks each day to see about a resolution and they have yet to resolve issue as I have spoken to credit bureau who verified no resolution has occurred after they have reached out to creditor. I have spoken to serval customer service agents along with supervisors and nothing is rectified to this date XX/XX/XXXX.

Also asked for mortgage note on home and loan company could not produce. I was then sent one from XX/XX/XXXX which is not the same as my current mortgage note. Three weeks later and still no correction to credit report nor my current mortgage note

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 2018-05-10 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I request that XXXX XXXX Account No : XXXX be put back on my credit report. In XX/XX/XXXX it was deleted. However Ive been paying on it got 8 years and recently finished in XX/XX/XXXX The agreement between me and XXXX was once it was paid off it would be reported on my credit report as account in good standing paid as agreed and paid in full. XXXX reported normally. I've called EQUIFAX a total of 30 times asking for the status of the updates they informed me I can fax a dispute to put everything back on my credit report which was faxed in the month of XXXX EQUIFAX informed me that I can not dispute to add something to my credit report only a creditor can add something to my credit report. MEAN WHILE EQ IS SAYINTH THEY HAENT HEARD ANYTHING FROM XXXX Mean while XXXX XXXX has been trying to report it over 7 times on my credit report Providing me with AUD # XXXX every time..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Yes its been over 80 days and XXXX XXXX who is the actual owner of XXXX credit card can not get a resolution and I ended up making four payments and to this day only XXXX a manager at XXXX call center located XXXX XXXX agent id XXXX XXXX XXXX Colorado they owe me over XXXX plus internet in over payments

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Dear Sirs, I was XXXX less than one year ago. About one week into my 11 day stay, I was approached by a man that said his bonds person will bond me out. I released my Bank of America debit card to his bonds person. The following evening when I was not released, he said it was because it was Sunday. The following day when I was not released, he said he needed the zip code to my debit card account. The next day when I was not released, I asked to speak with an officer and he cancelled all actions. A few days later I was bonded out by my employer. I immediately checked my bank account and it was emptied. There was a {$720.00} credit posted to my Bank of America checking account which taken back the following month. A Bank of America representative said there was nothing unusual about the transactions. I did exactly what Bank of America required and I filed a police report with a XXXX County officer. Do we not have cameras that record transactions? Are not cases involving fraud federally insured? How can we make the man and his friends repay the money him and his friends stole from me and the bank? What about my time filing a police report with a police officer? What do you think should be done in this situation? Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have several student loans with XXXX XXXX exceeding {$150000.00} balance overall. I have an income based repayment plan that doesnt even cover the accrued interest each month, so my balance increases. Each time my balance increases, my credit score plummets even though my payments are made on time and my account is in good standing. The parties in this issue are Transunion, XXXX, and XXXX  XXXX XXXX. I cant have my score continue to plummet for no reason other than increased student loan balance.

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 2018-05-10 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: AZ

Complaint narrative:
Hello University XXXX XXXX has continually failed to verify accounts on my credit report. I have asked for accounts to be verified nth University XXXX XXXX has never responded to me. So how is experian verifying this information. According to her phone call I had with a experian rep they count on the company to verify this info. That it self is wrong and against the law. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

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 2018-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I transferred the property by quit claim deed to my ex-husband in my divorce and 6 months prior to that a motion was filed that stated he was responsible for all mortgage payments on the home. He failed to make any mortgage payments and the house went into foreclosure. I attended the foreclosure mediations and was able to get myself " removed as a defendant '' from the foreclosure. The final judgement was only served on my ex-husband. I have a letter from the attorney 's office who handled the foreclosure stating I had interest in the action and I was not a party to the foreclosure together with a copy of the withdrawal they filed. This was all provided to XXXX and all I and my current lender has asked is to remove the language " foreclosure '' from my credit report so I can move forward in applying for a mortgage but they refuse to. 

I need this language removed so I can apply for a mortgage. I was not a party of the foreclosure therefore it should not appear on my credit report. This is all we are asking and they refuse to remove it. 

Please advise if you can help. This is all that is holding me up from getting a mortgage. It's unfair that I have to suffer for what my ex-husband decided to do. 


My current lender contacted them on XX/XX/XXXX and faxed all required information to them Both myself and my current mortgage company followed up with them on XX/XX/XXXX and was told it would be resolved in a few days My current mortgage company called them again on XX/XX/XXXX because we did not hear back from them as they had stated and they sill refuse to remove " foreclosure '' from my credit report I called on XX/XX/XXXX and the stated a case had to be opened and it would take 10 days even though we had previously called and provided all the requested documentation.

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