vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-25 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I've recently pulled my free annual credit report from Equifax. I've learnt that XXXX XXXX pulled my " hard '' report in XX/XX/2017. I understand that this negatively effect my credit score. I disputed this information via Equifax 's website. Upon receiving an email that my dispute was completed I called to find the results, since Equifax 's website wasn't working. I was told that I have to contact the creditor directly to dispute the information. I explained to the representative that I've tried but since I don't have an account with XXXX  and I've never opened one - they won't talk to me. And in addition, Equifax released my credit information to XXXX   without my authorization. Therefore, Equifax should be responsible for removing this information from my report. The representative said that she was sorry but she couldn't help me. I requested to speak to the manager, and once I did that the representative turn on the music and disconnected me.

I recall that in XX/XX/XXXX I attempted to apply for a credit card with XXXX, however I never gave them authorization to pull my credit report. They've sent me a Release Authorization form two times and both times they claimed I didn't complete it correctly so I gave up on them assuming that they won't pull the report without authorization. I've never received any other correspondence from XXXX. I don't have an Adverse Action letters or any other information required by the Fair Credit Reporting Act.

Please help me remove the hard inquiry form my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ID Analytics, Inc.
State: SC

Complaint narrative:
XXXXXXXX XXXX  denial for a new car purchase due to XXXX XXXX XXXX credit report of XXXX. 
I know for a fact that my credit report thru other reporting companies is above the 800 score. I have not contacted this company due to all the negative reports on this company, on different internet sites and I do not want to risk giving them any information about 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 2018-05-25 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: VA

Complaint narrative:
I have sent in several disputes with Transunion, for erroneous reporting and not investigating information properly, I have a account on my credit report, with XXXX XXXX. stating I filed chapter XXXX  Bankruptcy, I never ever filed Bankruptcy and this company and Transunion are getting a away with Fraudulent information, that is affecting my credit and stopping me from buying a house, attached you will find two documents from the pacer system for the state of NC and one for Nationwide results!

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 2018-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I was on a forbearance plan due to Hurricane Irma from XX/XX/XXXX to XX/XX/XXXX, I had {$30000.00} worth of damage to my home. I was placed on the plan by XXXX and was told that they would not report me to the credit bureaus. XXXX   sold my account to Specialized Loan Services XX/XX/XXXX, at the end of my forbearance plan, XX/XX/XXXX, SLS reported me 6 mths delinquent. SLS put me on a 3 month payment plan, loan modification for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I recently ran my credit and they have reported that I have been delinquent for those 3 months even though they set up automatic payments to remove them directly from my bank accounts, which the payments were removed before the XXXX of each of those months per my bank statements. When I contacted SLS to ask if they received those payments during XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX they stated yes, but those were applied to the previous months that I was on the forbearance plan. I asked how that is possible when they told me those 6 mths I was on the plan were put on to the end of my account, they could not answer me and told me that is just how it works. I closed on this house on XX/XX/XXXX, which SLS said that they are aware of, but am unable to get approved by any other lender due to how SLS is reporting my information to the Credit Bureaus. Any assistance that you can provide would be greatly appreciated.

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 2018-05-25 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I've recently pulled my free annual credit report from XXXX. I've learnt that Citi Bank pulled my " hard '' report in XX/XX/XXXX. I understand that this negatively effect my credit score. I disputed this information via XXXX 's website. Upon receiving an email that my dispute was completed I called to find the results, since XXXX 's website wasn't working. I was told that I have to contact the creditor directly to dispute the information. I explained to the representative that I've tried but since I don't have an account with Citibank and I've never opened one - they won't talk to me. And in addition, XXXX released my credit information to Citibank without my authorization. Therefore, XXXX should be responsible for removing this information from my report. The representative said that she was sorry but she couldn't help me. I requested to speak to the manager, and once I did that the representative turn on the music and disconnected me.

I recall that in XX/XX/XXXX I attempted to apply for a credit card with Citibank, however I never gave them authorization to pull my credit report. They've sent me a Release Authorization form two times and both times they claimed I didn't complete it correctly so I gave up on them assuming that they won't pull the report without authorization. I've never received any other correspondence from Citibank. I don't have an Adverse Action letters or any other information required by the Fair Credit Reporting Act.

Please help me remove the hard inquiry form my credit report. Thank you.

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 2018-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
There are 2 accounts included in this complaint. # XXXX for {$410.00} & # XXXX for {$370.00}. I don't know what the status is on both. These collection accounts appeared on my credit report recently out of the blue.account I have no knowledge them it all. Looks like they came from XXXX XXXX  and sold to this collection agency. I am filing a claim against XXXX XXXX as well. I received a notice from Resurgent Capital Services. I started cleaning my credit and found that it had already been reported to All credit bureaus. I sent a letter of dispute to Resurgent and XXXX XXXX on numerous occasions for both accounts asking for validation, original account level documentation. Every time what I requested was refused but Resurgent would send me a printout of incorrect information. I have NEVER did business with XXXX XXXX, but Resurgent is making it their business to pin this on me. I wasn't aware of it until I started cleaning my credit. This account is 100 % fraudulent. I have no idea when the original account close because I was never notified of anything from XXXX XXXX. I've even disputed it with All credit bureaus and they all state verified not validated from the furnisher on record.

These accounts were actually with another collection agency. I sent letters for validation and they didn't have it so they sold the accounts to Resurgent. Which I believe is illegal because collection agencies can not buy accounts from other collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 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: MI

Complaint narrative:
Equifax and XXXX are not properly investigating the multiple disputes I have submitted via mail and by this agency. I have disputed the false and deceptive reporting of XXXX over 6 different times. This company is violating my right to a fair and accurate report and even reported back to the consumer that my complaint is FRIVOLOUS! This is a real and valid complaint. XXXXt has not provided myself or any credit bureau Validation that I owe them ANYTHING. These are not my accounts and the credit bureaus are not investigating these seriously doing a careless job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-25 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: AmeriCollect
State: MI

Complaint narrative:
XXXX and XXXX are not properly investigating the multiple disputes I have submitted via mail and by this agency. I have disputed the false and deceptive reporting of Americollect over 6 different times. This company is violating my right to a fair and accurate report and even reported back to the consumer that my complaint is FRIVOLOUS! This is a real and valid complaint. Americollect has not provided myself or any credit bureau Validation that I owe them ANYTHING. These are not my accounts and the credit bureaus are not investigating these seriously doing a careless job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 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: MI

Complaint narrative:
XXXX and Experian are not properly investigating the multiple disputes I have submitted via mail and by this agency. I have disputed the false and deceptive reporting of XXXX over 6 different times. This company is violating my right to a fair and accurate report and even reported back to the consumer that my complaint is FRIVOLOUS! This is a real and valid complaint. XXXX has not provided myself or any credit bureau Validation that I owe them ANYTHING. These are not my accounts and the credit bureaus are not investigating these seriously doing a careless job.

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 2018-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
Went to Quicken loan website to research loan options but they collected my information and did not provide me details as advertised but want me to talk to some, this was not clearly stated from their wesite, here is the conversation with them Info at XXXX, XX/XX/XXXX : A team member will be with you shortly. 
Info at XXXX, XX/XX/XXXX : For your security, if you would like to close the chat session please click the " X '' button on the top right of the chat window. 

You are now chatting with XXXX XXXX. 
XXXX XXXX at XXXX, XX/XX/XXXX : Hi XXXX, how are you doing today? 
XXXX XXXX at XXXX, XX/XX/XXXX : Hi XXXX XXXX at XXXX, XX/XX/XXXX : why did the website not provide me the availble rates even after taking indformation from me XXXX XXXX at XXXX, XX/XX/XXXX : this is false advertising XXXX XXXX at XXXX, XX/XX/XXXX : Let me go ahead and pull up your profile here. I can get you all of that information XXXX XXXX at XXXX, XX/XX/XXXX : How are you doing today? 
XXXX XXXX at XXXX, XX/XX/XXXX : I did not want to chat but research data myself XXXX XXXX at XXXX, XX/XX/XXXX : and that is what the website said XXXX XXXX at XXXX, XX/XX/XXXX : I am very disappointed with Quicken loans XXXX XXXX at XXXX, XX/XX/XXXX : if they can falsify to start with then why will I weven go with such a company XXXX XXXX at XXXX, XX/XX/XXXX : Sorry to hear that XXXX, the reason the site has you speak to a banker is because every client qualifies for different options. We want to make sure we get you the best options available to YOU. 
XXXX XXXX at XXXX, XX/XX/XXXX : You are able to get the rates but you have been stopped to speak with me in regards to your application so that is what I am assisting with right now XXXX XXXX at XXXX, XX/XX/XXXX : I am here to help you with your inquiry XXXX XXXX at XXXX, XX/XX/XXXX : so ou are acknowledging that the website gave false information XXXX XXXX at XXXX, XX/XX/XXXX : That is not what I am saying. I am saying that there is an issue somewhere on your application and I am going to see what our problem is XXXX XXXX at XXXX, XX/XX/XXXX : this just very deceiving behaviour XXXX XXXX at XXXX, XX/XX/XXXX : I am sorry you feel that way, would you like to speak with our client relations team? 
XXXX XXXX at XXXX, XX/XX/XXXX : this leads me to believe that the same will happen during application process XXXX XXXX at XXXX, XX/XX/XXXX : being a financial company trust is key XXXX XXXX at XXXX, XX/XX/XXXX : Of course, would you like to speak with our client relations team?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 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: NY

Complaint narrative:
I have a credit inquiry on my that I did not authorize 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 2018-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
There are 2 accounts included in this complaint. # XXXX for {$410.00} & # XXXX for {$370.00}. I don't know what the status is on both. These collection accounts appeared on my credit report recently out of the blue.account I have no knowledge them it all. Looks like they came from Capital one and sold to this collection agency. I am filing a claim against Capital one as well. I received a notice from XXXX XXXX XXXX. I started cleaning my credit and found that it had already been reported to All credit bureaus. I sent a letter of dispute to XXXX and Capital One on numerous occasions for both accounts asking for validation, original account level documentation. Every time what I requested was refused but XXXX would send me a printout of incorrect information. I have NEVER did business with Capital One, but XXXX is making it their business to pin this on me. I wasn't aware of it until I started cleaning my credit. This account is 100 % fraudulent. I have no idea when the original account close because I was never notified of anything from Capital One. I've even disputed it with All credit bureaus and they all state verified not validated from the furnisher on record. 

These accounts were actually with another collection agency. I sent letters for validation and they didn't have it so they sold the accounts to XXXX. Which I believe is illegal because collection agencies can not buy accounts from other collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RICHLAND HOLDINGS, INC.
State: NV

Complaint narrative:
I have tried many things to get this resolved. I have also submitted a compliant to the States Attorney 's office. There is an account reporting with XXXX XXXX XXXX XXXX that shows a balance but it also shows the account was sent to XXXX XXXX XXXX XXXX N yet XXXX XXXX indicate they still have the account but this company too is showing the account. I am at wits end and feel like I am getting the run around from every end. Please I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCarthy, Burgess & Wolff, Inc.
State: TX

Complaint narrative:
XXXX XXXX stated that I owed them XXXX. I never received a detailed bill explaining this information. One month they just stated I owed them this massive amount and it was due to a billing error on their part for data from months prior, where they hadn't calculated data correctly. I informed them that if I had used the data they should have not allowed me to go over because I had limits in place set up with my plan to keep this from occurring, and was never notified of the increase in usage. 
It was so funny because it was prior to them switch to unlimited and they were trying to get me to negotiate a new contract. However, I was appalled by their tactics to try to wheel me in. Like we will forgive you if you sign another contract. I never did anything wrong it was their error to begin with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Navient Loans. 
I am outraged. My sons student loans are due. He spent 2 years at XXXX  at a very high rate which you know has went bankrupt and ( we singed for a parent loans ) it appears we can't get forgiveness for, since he left when he had received an XXXX XXXX then left. Then when things piled to Navient I spoke with them multiple times. They suggested to consolidate our parent loans, which we did. I also applied for debt driven repayment since they suggested it may lower my payments to near {$100.00} per month since I work & my wife is XXXXon SSI, total income around {$50000.00}. Taking their suggestion I applied for the income driven option. They let it sit for a near 2 months. I finally had to call, once I got through They found they had theapplication and nothing had been done with it for quite some time.

In the interum we were informed that his student private loans would be absorbed by Navient I was informed it would be reviewed and I would here back within 48 hours. I did here back within the time limit. When my son logged into make a payment. He found our payment had went from near {$340.00} to a full {$500.00} a month and his secondary student private loan from {$140.00} to {$200.00}. A large difference between what I was led to believe. I further looked and the first {$500.00} payment in total was applied towards the interest, not a dime to the principal. Even though Navient assumed my Son 's private student loan wihtin my account they could answer no questions as to why this payment went up even though I could completely see the charges and payments within Navient 's site.

Concerning my sons private school loans magically after being forced into Navient his payments went form app {$140.00} a month with {$76.00} dollars going to the principal, to the second month {$46.00} going to the principal to his latest payment {$26.00} going to the principal. 
Navient has no idea why, even though they took over the loan. As far as XXXX everyone hwo attended it appears was taken advantage of and thus everyone involved should be able to get some kind of relief. Any help you can provide is appriceated and our Senators should be taking the lead in helping our kids and our budgets. Ths loan system should " NOT BE '' a for profit system.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Penn Credit Corporation
State: NY

Complaint narrative:
XX/XX/XXXX {$890.00} potentially neg XX/XX/XXXX {$190.00} potentially neg XX/XX/XXXX {$56.00} XXXX XXXX XX/XX/XXXX {$3100.00} potentially neg.

I did not open any of these accounts, i have not been employed since XX/XX/XXXX. Someone has used identy theft against my name. I did not giv permission for these accounts to be open nor did i sign anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I had applied for Chase XXXX XXXX card. They put my application in review and I had to send my SSN card copy and address proof for review to be completed. They decided to approve the application. But when I got my card, they closed my account saying credit check was performed again and then rejected. Please provide me a credit card or remove the credit inquiries

Company response to consumer: Closed with non-monetary relief