vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was going over my credit report I noticed that there are addresses that are not mine showing.Please remove me from XXXX XXXX, XXXX, XXXX, XXXX. ( Gramm-Leach-Bliley Act ) 16 CFR 313.15 SECTION. ( 1 ) With the consent or at the direction of the consumer, provided that the consumer has not revoked the consent or direction. 
I do not nor have I given my consent to any consumer database. 
I would like the following addresses deleted This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. The following addresses and the variation on my name are not accurate. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX CT, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX. My name is XXXX XXXX please delete all other variations. I am no longer affiliated with these addresses, I would like to have my credit report to reflect true up to date that is accurate my current address XXXX XXXX XXXX XXXX XXXX, Oh 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 2019-04-14 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: OH

Complaint narrative:
I was going over my credit report I noticed that there are addresses that are not mine showing.Please remove me from XXXX XXXX, XXXX, XXXX, XXXX. ( Gramm-Leach-Bliley Act ) 16 CFR 313.15 SECTION. ( 1 ) With the consent or at the direction of the consumer, provided that the consumer has not revoked the consent or direction. 
I do not nor have I given my consent to any consumer database. 
I would like the following addresses deleted This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. The following addresses and the variation on my name are not accurate. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX. My name is XXXX XXXX please delete all other variations. I am no longer affiliated with these addresses, I would like to have my credit report to reflect true up to date that is accurate my current address XXXX XXXX XXXX XXXX XXXX, Oh 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 2019-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
Unauthorized credit inquiry from unknown company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 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: MI

Complaint narrative:
I have been in repayment under the public service loan forgiveness program since XXXX. I have made the 120 payments required for forgiveness. However, they are saying that numerous payments that I have made do not qualify for forgiveness. For example, you must update your income each year, and they force you into deferment while they are reviewing your payment plan. However I continued to pay during that forced deferment time. 
Another example is when I filed bankrupcy. They claim that all the payments I continued to make during that extreme hardship in my life did not count. Why? 

Also, there was a time when I made {$5.00} less than the payment for several months because there website did not display the payment due. They did not count those payments and I feel like that was a scam. Why wouldn't the payment due amount be displayed? 

They also have not provided me with records prior to XXXX, so I have not included payment records prior to the date of the attached materials.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 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: FL

Complaint narrative:
XXXX XXXX and Transunion are damaging my credit with false information. Even though I have detailed the situation to them XXXX times, they have chosen to ignore me. 

In XXXX I had a XXXX  service. XXXX of my drivers wanted to own his own vehicle. I guaranteed a loan for him from XXXX. Months later, without my permission or knowledge, the driver turned the vehicle back to XXXX, and XXXX accepted it without my signature even though I had an economic interest in it. The first I heard about the situation was when XXXX sent me a letter demanding payment for the loss they incurred in resale of the vehicle. I was never given the opportunity to possess the vehicle and take over the loan obligation. Had XXXX advised me of the situation, I would have simply added the vehicle to my fleet, leased it to another driver and continued making the loan payments. 

Nevertheless, the credit reports from these XXXX companies state that I defaulted on the loan to XXXX, thus substantially damaging me. Obviously, these companies have not acceptably investigated or considered the matter. Please help me!

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 2019-04-14 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: FL

Complaint narrative:
XXXX, Equifax and XXXX are damaging my credit with false information. Even though I have detailed the situation to them two times, they have chosen to ignore me.

In 2015 I had a limousine service. One of my drivers wanted to own his own vehicle. I guaranteed a loan for him from XXXX. Months later, without my permission or knowledge, the driver turned the vehicle back to XXXX, and XXXX accepted it without my signature even though I had an economic interest in it. The first I heard about the situation was when XXXX sent me a letter demanding payment for the loss they incurred in resale of the vehicle. I was never given the opportunity to possess the vehicle and take over the loan obligation. Had XXXX advised me of the situation, I would have simply added the vehicle to my fleet, leased it to another driver and continued making the loan payments. 

Nevertheless, the credit reports from these three companies state that I defaulted on the loan to XXXX, thus substantially damaging me. Obviously, these companies have not acceptably investigated or considered the matter. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Synovus Bank
State: MD

Complaint narrative:
I applied for a secured card with XXXX XXXX. They charged me {$300.00}, and I never received the card. Now my bank says someone is trying to access my account and I need a new bank debit card. I called XXXX XXXX at XXXX in the afternoon and the voicemail says the service center is closed. I cant log on online.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
i get calls from different numbers from them. Portfolio Recovery Association, i told them to call me during business hours and not on weekend and they call right back. And my name is not XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-14 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: NY

Complaint narrative:
I have a XXXX on my credit reports that I thought came off after XXXX years. It is almost XXXX years now, what is the exact date this will fall off my credit report?

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 2019-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: TN

Complaint narrative:
I had two collections added by Common Wealth in XX/XX/XXXX. I did not receive a letter notifying me of the collection accounts until XX/XX/XXXX after the accounts were added to my credit reports. ( attached ) I sent full validation requests to validate the debts on XX/XX/XXXX and have not received proper or any validation of the following debts. The debts are both scheduled to fall off in XXXX and XXXX of this year, but I am challenging their violations. I did not receive notification of debts being added to my credit reports until after they had been added, in addition, this creditor has not validated the debts. I am submitting this dispute for those violations in order to have these debts removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I had noticed that someone had been using my information and had been making unauthorized hard inquiries by fraud and here is the list 1. Citi Bank XXXX and XXXX 2. XXXX XXXX XXXX and XXXX 3.XXXX XXXX XXXX XXXX 4XXXX 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 2019-04-14 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: FACTUAL DATA CORP.
State: DE

Complaint narrative:
There is 1 inquiry that i didnt authorized, XX/XX/XXXX from factual data

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 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: NY

Complaint narrative:
I have a bankruptcy on my credit reports that I thought came off after 7 years. It is almost 10 years now, what is the exact date this will fall off my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a bankruptcy on my credit reports that I thought came off after 7 years. It is almost 10 years now, what is the exact date this will fall off my credit report?

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 2019-04-14 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had noticed that someone had been using my information and had been making unauthorized hard inquiries by fraud and here is the list 1. XXXX XXXX  XXXX and XXXX 2. Chase Card XXXX and XXXX 3.XXXX XXXX XXXX XXXX 4.XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I had noticed that someone had been using my information and had been making unauthorized hard inquiries by fraud and here is the list 1. XXXX XXXX XXXX and XXXX 2. XXXX XXXX XXXX and XXXX 3.XXXX  XXXX XXXX XXXX 4.Barclay 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 2019-04-14 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Contacted them they were unable to verify the debt, they said reach out to Experian to have them delete the item from my credit.

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 2019-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC
State: NY

Complaint narrative:
Hello, On XX/XX/XXXX a collection ( total of 5 ) was placed on my XXXX  credit report by Harvard Collections. I found out on XX/XX/XXXX when I obtained my free reports. I was appalled as this is the 3rd agency that has tried to get the {$100.00} total from me. I have also received calls in the past from various collection agencies as well as postal mail on and off. I feel sick and angry all over again as I thought this ongoing issue was over and done with. To continue, I was never an inpatient anywhere in XX/XX/XXXX therefore the date is incorrect. I was however a patient in XX/XX/XXXX but my story and my truth remain the same. The first delinquency dates are incorrect as well-all 5, the charges were bogus and I confirmed this with a Medicare rep, in addition they waited 2 years to bill and all medical facilities know that they have 1 year to bill Medicare. I have copies of all the letters that I mailed to the first 2 collection agencies. I also have my notes regarding my call to Medicare and the rep that I spoke with as well as other notes, Medicare statements etc ... I hope something can finally be done now to stop these lying, harassing people and agencies etc ... they're relentless and it's very unfair and unjustified to ruin a persons credit with bogus charges. I hope the 5 collections will be removed from my reports as soon as possible as my credit reports are good and very important to me. I forgot to add that when this started I NEVER received any bills regarding the charges-just straight to collection and the first collection notice that I received was XX/XX/XXXX and the charges weren't on my Medicare statements either which I also confirmed with a Medicare rep. These agencies have also sent mail to relatives solely based on our surnames-sent to addresses that I have never resided at. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
This complaint including GM Card/Capital One credit Card companies, and XXXX XXXX XXXX   XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX, phone : XXXX 1. On XX/XX/XXXX, I received a debt collection letter from XXXX XXXX XXXX XXXX XXXX. I am confused, stunned and surprised for {$5300.00} debt. I spent loads of time contacting GM Card, XXXX XXXX XXXX and XXXX XXXX, and Capital One to investigate the arrears of {$5300.00}. Because I did not use GM account since XXXX and I did not receive new GM card since XXXX. How could it be I use {$5300.00} from XXXX to XXXX. 

2. I found that Capital One sold GM account to XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX, then XXXX XXXX XXXX XXXX XXXX XXXX XXXX was sold to XXXX XXXX XXXX XXXX XXXX after I spoke to Capital One customer service. 

3. According to my bank account statement, XXXX XXXX withdraws from my bank from XXXX to XXXX total amount is {$14000.00} + late fee of each withdraw {$2200.00} = {$16000.00} ( XXXX XXXX statement has 66 pages ) GM did not issue a new card to me, without my consent to take my money from my bank, and I also am unable to login online to check my account status because I don't have GM new card. 

4. On XX/XX/XXXX, I sent totally 91 pages statement to Capital One and XXXX XXXX XXXX XXXX XXXX via USPS certified mail with return receipts. But I did not receive any response from both sites. 
I reasonably believe that it is possible due to identity theft, or fault, or GM employee mistakes or any reason from XXXX to XXXX. But GM, Capital One, or XXXX XXXX   XXXX XXXX XXXX XXXX XXXX have liabilities to my loss. 

5. On XX/XX/XXXX, finally I received XXXX XXXX statement I can see GM took my money {$1800.00} and plus charged me let fee {$35.00} for each transaction. Totally {$2000.00}. 

6. I loss amount of money is {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 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: CITIBANK, N.A.
State: DE

Complaint narrative:
there are 2 inquiries that i didn't authorized from citi bank from XX/XX/2018 and XX/XX/2018.

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 2019-04-14 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: ACS Education Services
State: NY

Complaint narrative:
I had a student load with ACS/Conduent from XXXX until I consolidated my loan in XXXX. They are reporting on all three credit reports that I was 60 days late on payment XXXX of XXXX. I was in a loan forbearance while in college, and I graduated XX/XX/XXXX. I am not able to access my account on their website anymore, I get a message that I no longer am a customer, which is true, as I consolidated last year. I have no access to my previous forbearance paperwork, which was completed online. I do have proof via email, from ACS that my forbearance was granted in XX/XX/XXXX and ended XX/XX/XXXX ; therefore, they reported me for being 60 days late in XX/XX/XXXX ; when the loan was in forbearance. This has ruined my credit and I need this removed from my credit reports. During that time in XXXX, ACS was bought out by Conduent, which it is now, so I think they messed something up with my forbearance during their change of companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 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: Scott Fetzer Financial Group Inc.
State: DE

Complaint narrative:
there are 2 inquiries that i didn't authorized from XXXX XXXX from XXXX XXXX and XX/XX/XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 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: CENTERSTATE BANK CORPORATION
State: FL

Complaint narrative:
Per my other complaint I just filed with XXXX ( CFPB ID # XXXX ), Centerstate Bank of Florida is incorrectly reporting my former account with them to XXXX as a delinquent account ( Collection/Chargeoff ) with a balance. 

Centerstate Bank is reporting this account correctly with XXXX and XXXX. I sent a letter, got no response and XXXX contacted them. 

The attached evidence is clear that this account was discharged in bankruptcy. It should be reported to XXXX as closed, discharged in bankruptcy, with no balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
My Mortgage  was transferred to the Ditech Mortgage   Company some years ago. 
I have never been late on my Mortgage Payment with this company or the previous Mortgage Company, I applied and received a HAMP Mortgage Program. 
On XX/XX/2018 I received letter from Ditech asking me to fill out the Dodd-Frank Certification Form  ( Form 720 ) which my wife and I filled out, signed and sent by certified mail to Ditech Financial LLC, Attn Loss Mitigation Admin XXXX, XXXX XXXX XXXX XXXX. XXXX XXXXXXXX, XXXX, AZ XXXX and for good measure we also faxed the forms to them. 
The Forms said that Ditech would apply a one time pay for performance principle balance reduction payment in the amount of {$5000.00} which would reduce the principal. 
We have not received this reduction. 
I know that Ditech has recently applied for Chapter XXXX but that should not effect the Dodd-Frank Bill. 

I am XXXX years old and need help on this matter. 
Thank You Very Much for Your Time.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation