vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I believe I have been a victim of the Transunion " hard inquiry issue ''. There are several hard inquiries on my account that had been deleted, but then reappeared, and I was never notified that a ) they had been deleted, or b ) they were being reinstated on my report. 

The inquiries on my report that had been deleted are as follows. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : 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 2019-04-17 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: NV

Complaint narrative:
I received a copy of my credit report and I noticed this account XXXX has inaccurate information, the opened date and credit limit are wrong. Since this account is being reported inaccurate, please remove it from 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 2019-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Integrated Asset Recovery LLC
State: MN

Complaint narrative:
A lien was placed on my property after a XXXX Bankruptcy preventing me from moving forward. I was never notified of this lien. The Bankruptcy was XXXX a few years ago and the file has since been deleted with the company yet they refuse to acknowledge the fact that I need the lien removed.

Company response to consumer: Untimely response
Consumer complaint received 2019-04-17 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I am a victim of identity theft and have had my information compromised several times. I have submitted documentation to XXXX XXXX and XXXX XXXX credit card several times pertaining to fraud on my bank account and credit cards to which I have not received any phone calls or assistance in resolving. In XXXX of XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX my account was compromised as well as in XXXX and XXXX of XXXX. I have completed a police report in reference to said incident in which someone gained access to my XXXX XXXX  account and processed a fraudulent transaction. This has caused many issues with my checking account in which the bank acknowledge and funds were released to said creditors. XXXX XXXX has failed act reasonably to aid in this issue and closed my credit card.

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 2019-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
A lien was placed on my property after a discharged Bankruptcy preventing me from moving forward. I was never notified of this lien. The Bankruptcy was discharged a few years ago and the file has since been deleted with the company yet they refuse to acknowledge the fact that I need the lien removed.

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 2019-04-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I asked them to stop Ach from my account. They are costing me Nsf charges I can't pay. They refuse to stop. There is no way to stop Ach in contract. By law that makes the contract void. There has to be a way to stop it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
On XX/XX/2019, I requested a " a single-use personal identification number '' from Experian to grant a creditor a one-time access to my credit report. I also made the same request for my wife 's credit report. I obtained a PIN for my credit report and my wife 's credit report. Gave these two PIN numbers to a loan officer at my credit union and he was only able to obtain my credit report but not my wife 's report. Tried the same procedure again, to get another PIN for my wife 's report and it gave me a message that I had to write a letter to get a PIN number. I tried calling Experian on the phone to see if I could talk to someone about the problems I was having it said I had to write a letter to request a PIN number. I had the same problem a year ago and ended the loan process because it was so frustrating. 
Experian seems to not be interested in talking to me and finding out how to solve the problem I'm having. There needs to be some way to talk to someone at Experian to find out what can be done besides writing a letter and waiting for several weeks to get an answer.

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 2019-04-17 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: DISCOVER BANK
State: FL

Complaint narrative:
For three years Discover Card refuses to remove or correct the incorrect reporting of a duplicate Discover card debt of XXXX. 
Discover claims I have a total debt of XXXX on two seperate cards and that they are being paid on time seperately! This is wholly untrue. 

I only pay one card, one payment, automatically, via my XXXX account on the 15th of every month, as I have forever. 

I DO NOT AND NEVER HAVE had two cards or two payments! 

Discover CSR says their computer has records that reflect back to three years ago of my requesting they repair this issue. Last year, the same, no change. Last month they said they would handle it. Now Discover Card claims its possible someone else listed me on some other card. This is a false statement by Discover Card. No information has been made available to me to validate their THEORY. This is a tech problem at Discover cARD AND THEY REFUSE TO LISTEN TO LOGIC! 

The evidence and information available to all parties is as clear to anyone with a smidgen of logic. Despite multiple verifiable requests Discover Card continues to shirk responsibility for ruining my credit and consequently my personal & financial life. 

My credit has been ruined for three years despite transparent evidence on all my credit reports that I have been paying or paid off multiple reported debts completely. 

All Credit reporting agencies continue to reduce my credit score. 

There is a direct correlation between my poor credit and my inability to secure loans due to Discovers error. They continue to excuse their bad behavior with nice talk and get NOTHING DONE! I am seeking counsel in order to secure restitution from the XXXX  dollar company that appears not to care about people, the very reason they are in business in the first place! 

XXXX REPORTS TWO DISCOVER CARDS YET THERE IS ONLY ONE!! 

XXXX XXXX Last reported : XX/XX/2019 {$12000.00} Good  XXXX XXXX Last reported : XX/XX/2019 {$12000.00} Good

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Failure to receive a credit report as advertised On a website called XXXX there is suppose to be a way a consumer can get a credit report from each of the three credit bureaus once each year. I went to the site this morning with the goal of getting my three reports one from each reporting agency. In the process of following the promts I receive a file from XXXX and XXXX   that was what I expected. They both were PDF files with the information that I requested. 
The Problem was with Experian. I got a print file option, I ask for the file to be Print to File, the file that was sent to my computer was sent to Note Pad and totally unreadable. There was no option to get any other format. I tried to call Experian using the phone number provided on their website XXXX. This was also a problem because there were only two options provided 1 or 2. Neither option provided a way to talk wiith someone about my issue. 
I am writing this complaint because Experian has not provided me a copy of my credit report and I want to receive a copy. If they are not going to provide a copy through the XXXX XXXX website they should remove their business. Other wise it is being falsely advertised. 
I am especially concerned because last year I ran into a problem with Experian not providing me access to my credit report through their online system. I also found out through happenstance that they had frozen my account without any notice to me. I spent valuable time going through your agency attempting to get those issues resolved. I would like to know how is it that they seem to be unethical and continue to have a license to operate.

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 2019-04-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The credit reporting agency refused to provide me legit paperwork on signed documents bearing my signature that I owe this account. This account is also more then 10 years old and should not be on my account. The collection account is 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 2019-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: TN

Complaint narrative:
I submitted complaint XXXX on XX/XX/XXXX. Again I have never heard of this company. I will call to request a copy but COMPLAINT : When you pay XXXX to have your identity monitored below is what they monitor. XXXX isn't mentioned. If XXXX is being used by companies to report your credit history why are they not monitored? I am seeing many complaints on the internet from consumers that have similar issues with XXXX. See below advertisement on XXXX XXXX Website With XXXX, You Can : Monitor Your Credit Credit Score and Report Features Include : What You Need to Know : The XXXX Credit Score and 3-Bureau credit scores are based on the XXXX  Credit Score model. Third parties use many different types of credit scores and will not use the XXXX Credit Score or 3-Bureau credit scores to assess your creditworthiness. 
With XXXX  CompleteXXXX XXXX XXXX, You and a Second Adult Can : Monitor Your Credit Credit Score and Report Features Include : Bureau Credit File Monitoring1 Credit file monitoring and automated alerts of key changes to yourXXXX, XXXX, and XXXX credit files. 
3-Bureau Credit File Monitoring XXXX 3-Bureau Credit Scores and Report XXXX Credit Score XXXX Credit Score Monitoring Again, nowhere is XXXX mentioned. I want this checked into. If they can report me who reports them???????

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 2019-04-17 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: FL

Complaint narrative:
Credit Bureau Equifax, XXXX, and XXXX shared my credit report multiple times with multiple banks. I've also mailed all agencies over past 3 months regarding XXXX XXXX on my credit report asking for the original documentation for the account, and to date ( 75 days later ) still have not received the documentation. I've requested this information be removed from my account, but it still appears on my credit report. 
The Consumer Portal for Equifax has been down for months and I can not access the results of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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: AZ

Complaint narrative:
XX/XX/XXXX throughXX/XX/XXXX I paid my student loan to XXXX XXXX  which had sold it to navient who I never heard of. My account became delinquent as the payments were rejected. I settled up the account but they refuse to fix my credit report. They are now rejecting my payments again and I do not know why. They are requesting I refinance the loan which I do not wish to do as I have enough issues with this one. I do not trust it would be smooth or an improvement

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 2019-04-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had a XXXX Mortgage XXXX from Chase XXXX. I sold the house and closing was done on XX/XX/2018. I had an escrow account for the XXXX Mortgage XXXX and there is a duplication of payment on XXXX XXXX taxes. I have been trying to get a refund from Chase XXXX and made numerous calls to Chase Mortgage but not getting results. 


Chase Mortgage Account No : XXXX FHA Case No : XXXX XXXX Had I been late on my monthly mortgage payment, Chase Mortgage would have charge a late fee and additional interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
Carrington Mortgage Services ( CMS ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX CA XXXX Carrington has countered the buyers offer to $ XXXX. They have not done an interior value done on the property. They are simply averaging the XXXX, XXXX, and XXXX estimates online. XXXX shows value at $ XXXX and XXXX shows it at $ XXXX THE ENTIRE REAL ESTATE INDUSTRY KNOWS THESE VALUES ARE NOT RELIABLE. 

Additionally, after several discussions with XXXX XXXX and the rest of Carrington and reminding them that we, RE XXXX XXXX is the primary contact and authorized negotiator chosen by their borrower, they are still refusing to contact us to discuss the short sale. 

Carrington has not done their due diligence in their valuation review. I want an interior value done and I want the foreclosure date postponed to allow for the short sale review.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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: MN

Complaint narrative:
I DISPUTED TWO XXXX CREDIT CARD DUE TO THE ACCOUNT NUMBER THAT IS NOT MINE I SENT IN FACTUAL PROOF THAT IS NOT MY ACCOUNT NUMBERS BUT EXPERIAN STILL SAYS ITS WAS VERIFIED SO I'm going to OPEN UP A PHYSICAL INVESTIGATION WITHIN 15 DAYS OR PLEASE SEND ME 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. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I applied for a car loan at in the month and year of XX/XX/XXXX and I Authorized XXXX XXXX XXXX in XXXX to check my credit to see if I qualified for a auto loan. Recently reviewing my credit multiple unauthorized inquiries were made on my credit. XX/XX/2018, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XX/XX/2018, XXXX XXXX XXXX XXXX, XX/XX/2018 XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX   XXXX., XXXX XXXX XXXX, XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX and XXXX XXXX Auto XX/XX/XXXX a total of 20+ unauthorized hard inquiries were ran on my credit without my permission by financial institutions without my consent. 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 2019-04-17 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: First Associates Loan Servicing LLC
State: NJ

Complaint narrative:
I attended XXXX XXXX online for XX/XX/XXXX - XX/XX/XXXX and while attending the school i had issues and after I graduated due to them shutting down and them being unable to provide the services they promised me. From using there School Cost Estimate Calculator, I gathered they also charged me the same rate as a person who physically attended the school which was approximately {$250.00} per credit hour over what I was original told and ended up paying exactly the same as a person that went to class there including room and board.I was not told until after i signed up, because the admissions representative said they handle the paperwork to make it more convenient for me, that some loans were private at a ridiculous interest rate and made it seem that they would all be Federal Loans. Also, I was promised that i would get aid in finding a job but all that was provided was the same leads that I found on XXXX, XXXX, XXXX, etc but originally was told that had " unique sources to find the perfect job suited for a career in XXXX XXXX '' which came from XXXX XXXX ( Director of Career Services  ). The experience i had with XXXX infuriated me and now it seems that my hard earned degree is virtually worth nothing except the paper my diploma was printed on and the fact that despite much effort, I still do not work in the XXXX XXXX field. I have included a more in depth letter entitled " Dispute Letter '' in the attachments section.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
Knight Adjustment Bureau misrepresent the amount owed to XXXX XXXX XXXX XXXX. In a phone conversation that took place on or around XX/XX/2018. Furthermore, They falsely claim the debt was {$3000.00} instead of the {$560.00} in clear volaion of the law and FTC guidelines. see https : //www.consumer.ftc.gov/articles/debt-collection-faqs

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
My family members have been contacted multiple times concerning a debt of mine. 

I am willing to work with the company, but my family should NOT be contacted about something that is my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Direct Cash LLC
State: MO

Complaint narrative:
Starting on Friday, XX/XX/2019, this company started contacting my references that happen to also be my family members about a debt I owe them. They have contacted them everyday for the past 3 days. This company has my address and phone number since I have a loan with them - there is no need to contact my references to find out where Im at. I have emailed them more than once to ask them to stop, but they have not.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation