vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-02 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: FL

Complaint narrative:
These inquiries is on my credit report and I need them all deleted from all three Credit Bureau, I never authorized these hard inquiries XXXX XXXX- XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX/XXXX -- -XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX -- -XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX XXXX -- - XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX ( twice ), XX/XX/XXXX ( twice ) XXXX XXXX XXXX   -- XX/XX/XXXX XXXX XXXX XXXX XXXX -- XX/XX/XXXX 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 2018-05-02 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: FL

Complaint narrative:
These inquiries is on my credit report and I need them all deleted from all three Credit Bureau, I never authorized these hard inquiries XXXX XXXX- XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX/XXXX -- -XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX -- -XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX XXXX -- - XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX ( twice ), XX/XX/XXXX ( twice ) XXXX XXXX XXXX   -- XX/XX/XXXX XXXX XXXX XXXX XXXX -- XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2018-05-02 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax seems to have mingled my information with someone else 's or could be another problem. There was an item on my report that I have disputed but I can not sign in to check on the status for the last five months. Everytime I try to sign on to Equifax online they say the info does not match their records even though I know it is correct. I can see through XXXX XXXX   that they are still saying I have an account in collection even though I do not. I disputed over the phone but can not get a live person to help check the status of the dispute and I can not see my information on the Equifax site because it will not let me sign in. I did tell them three times, once in XX/XX/XXXX, once in XX/XX/XXXX and once in XX/XX/XXXX that the site was not letting me sign in and either blocking me altogether or asking about laons I have never had but never actually letting me in. They have promised to send something in the mail and I have still not received anything and they still have an item as in collection although I have none. I can't reach anyone to help or follow up and they keep sending me in circles while my credit score suffers. This has been goin on since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
After checking my credit report around XX/XX/XXXX, I found multiple fraudulent credit cards opened in my name, which Capital One was one. I immediately contacted them and was told that they will close the account and start an investigation. After waiting about 2 months they did not mail me anything and I have still not received any correspondence from them since XX/XX/XXXX. 
I then was told to file a FTC Identity Theft report, which I did and mailed them a letter and a copy of the report and the FCRA Notice to Furnishers of Information on XX/XX/XXXX. Capital One did receive the mail on XX/XX/XXXX as I sent it USPS Certified Mail, a copy will be attached here. I have still not received any documentation or anything from Capital One Bank and they are still reporting a negative fraudulent account on my credit report with a balance of {$480.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Massachusetts Educational Financing Authority
State: TX

Complaint narrative:
I made a previous complaint about a month ago ; I had a private loan transferred from XXXX to XXXX XXXX XXXX and was not informed of the change. While that previous complaint was resolved, I continue to have problems with the XXXX-XXXX   transition. My issues are below : 1. While my private loan has finally transitioned over to XXXX and I am able to pay online, the monthly amount requested is totally different. XXXX   extracted from me {$180.00} per month for my private loan, most of which was principal. XXXX is requesting {$86.00} ( See attached images of monthly loan payment ). Why is this amount different? How much of this is interest, and how much is principal? Since the terms of my loan are unchanged and I am not ( nor have I ever been ) on a payment plan, I expect to pay the standard interest rate and principal per month. 

2. My public loan that was previously being serviced by XXXX has now disappeared without a trace ( see XXXX documentation from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). I have not been notified by XXXX of this change. The loan is not in my new XXXX queue, and when I called XXXX, they told me that this loan ( of approximately {$9800.00} ) is not being transitioned to them. Where did it go, and how may I pay it? 

MEFA will not respond to my queries about where my second loan went or why my payment rate has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
A few months ago I was informed by both XXXX and Navient that Navient is purchasing my 2 private student loans from XXXX. I was told that this would occur in XX/XX/XXXX with my first Navient payment being due XX/XX/XXXX. I was enrolled in automatic payments with XXXX. When my loans transferred to Naivent, so did my automatic payments and bank information ( without my approval or knowledge ). 

On XX/XX/XXXX Naivent emailed me to remind me that my payments of {$180.00} and {$160.00} are due on XX/XX/XXXX but I never received any kind of billing statement via mail or email. The email states " ... here 's a friendly reminder that your Monthly Payment is due soon. This is not a bill. '' There was a link to my account inbox where my loan statements should be but when I log in it simply says " No Correspondence History is Available to View '' in red letters. 

On XX/XX/XXXX Naivent automatically took the payments of {$180.00} and {$160.00} out of my bank account account without ever issuing any kind of statement. 

On XX/XX/XXXX I called Navient and spoke with a customer service representative who informed me that since my loans were newly transferred, my information was still being loaded into the system and that it takes time. He told me to call back after XX/XX/XXXX and all my statements and information will be online. 

On XX/XX/XXXX I received another email from Navient reminding me that my monthly payments of {$180.00} and {$160.00} are due XX/XX/XXXX. This email looked exactly like the last email stating " ... here 's a friendly reminder that your Monthly Payment is due soon. This is not a bill. '' I then logged onto my Navient account to download my statements for this upcoming due date and again, there was a notice in the inbox that said in red letters " No Correspondence History is Available to View ''. I called Navient customer service a second time and asked when I will be getting a billing statement and how I will get it. I was told that it will be coming via US Mail and that the paper statements are mailed the same day that the reminder email goes out and that it will be arriving in a few days. She could not tell me when/if my statements would be posted online. 

On XX/XX/XXXX I still have not gotten any kind of billing statement through the mail or electronically. The inbox in my online account still says " No Correspondence History is Available to View ''. My autopay is still set up and ready to be processed for the due date on XX/XX/XXXX but I still do not have access to any billing statements, their office is closed and there is no way to put in a request for service via their customer service line or online account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Being charged a card security fee since card was open in XX/XX/XXXX Wal-Mart/Synchrony Card - Didn't authorize or ask for. I didn't know this fee was being added due to my bills being paperless, and I noticed the bill wasn't going down it was going up monthly and I hadn't used it in months!. I finally examined the bill carefully and noticed this card security program fee and canceled this in XX/XX/XXXX. I would like the fees returned to me and the interest I was charged due to this fee. Please assist me, I didn't opt in for this coverage.

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 2018-05-02 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: TN

Complaint narrative:
The problem : I negotiated with XXXX to have my debt cancelled and discharged, and we reached an agreement that they would cancel the debt and issue a XXXX and I would claim this as income on my tax returns. XXXX   verified they canceled the account, but is still reporting this account as late each and every month since 2012 even though the debt was cancelled and discharged, I owe them nothing, they won't accept any money, but yet they continue to report on my credit reports that I am 90+ days late EVERY month. This needs to be fixed. I have attached the proof.

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 2018-05-02 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: TN

Complaint narrative:
The problem : I negotiated with XXXX to have my debt cancelled and discharged, and we reached an agreement that they would cancel the debt and issue a XXXX, and I would claim this as income on my tax returns. XXXX verified they canceled the account, but is still reporting this account as late each and every month since 2012 even though the debt was cancelled and discharged, I owe them nothing, they won't accept any money, but yet they continue to report on my credit reports that I am 90+ days late EVERY month. This needs to be fixed. I have attached the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I would like to state my opposition to the decision of XXXX XXXX XXXX and bank of America on gun owner ship and sales of lawful gun transactions. I will not support any institution that opposes my values, liberty and constitution.

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 2018-05-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LD Holdings Group, LLC
State: NJ

Complaint narrative:
My XX/XX/XXXX payment was not made before XX/XX/XXXX due to an accounting error on my part. I make my mortgage payments over the phone every month and when the bank sought to withdraw the funds from my checking account, there was an insufficient amount due to my own accounting error. I entered into a payment plan agreement with the bank whereby my missed payment was broken up into 5 monthly sums in addition to my regular payments. I made my payments as agreed upon. The bank noted both my and my wife 's credit report as delinquent for six straight months while I was making the payments both me and the bank agreed. This action on the bank 's part has undoubtedly effected both of our credit reports in a most negative fashion. I do not think it is reasonable for the bank to saddle us with six delinquent notations on our credit reports when it was only one payment missed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Recovery Management
State: TN

Complaint narrative:
I had a doctor bill from my XXXX XXXX  child. The XXXX we see also did the XXXX  at the hospital. There were bills that looked the same and we did not get one of them paid. It went to collections. After sorting out with the XXXX   company I paid the debt in collection. The collection company does not recognize it as a mistake and is holding my account on my credit. This is harming me for getting a mortgage. They are very rude and non forgiving. It was a honest misunderstanding by both parties.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 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: Riverwalk Financial Corporation
State: CO

Complaint narrative:
This company XXXX XXXX XXXX just showed up on my credit and I have requested it be removed from all 3 credit reports and it has not been. I have and have had an arrangement with the department of education directly, they themselves said they don't know who this company is or why they are showing on my credit report. It's been removed from XXXX but not XXXX   or XXXX I've requested it be removed because the college I went to went into bankruptcy and I was told since I didn't have a legal arrangement with them they can not try to collect from me nor 1should they be showing on my reports, not to mention I've already BEEN on an arrangement and paying for them with department of education. I am trying to buy a house and right now this is the only thing preventing me from doing so, please help ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Reliant Capital Solutions, LLC
State: TN

Complaint narrative:
Background : After several violations of the law employed by XXXX XXXX XXXX   contracted for hire by XXXX XXXX XXXX University, XXXX continues to work around fair collection violations laws by jumping from agency to agency to keep the infliction of purposeful pain going with no desire to resolve my case. XXXX now swithced to Reliant Capital Solutions from Ohio with no intent to validate debt or settle my case.

I have a document showing XXXX refused to discuss and settle and very unreasonable and not working in good faith. Reliant must not allow XXXX to use them to entertain their goal of inflicting pain with no intent to resolve my case.

Highlight of issue : First, the SOL is over. The correct venue for this case in in NH as per XXXX XXXX  own ask for arbition rights. They can not have it both ways and now flip to my state casue they do not like NH 's. The claim dates back toXX/XX/XXXX.

Reliant Capital Solutions called onXX/XX/XXXX at XXXX XXXX VIA called ID XXXX  from XXXX, Alabama. XXXX XXXX   asked for XXXX XXXX. I asked who was calling. He stated, " My name is XXXX  from with XXXX  representing XXXX You owe {$2400.00}, and I need to confirm some information. '' He never told me he was attempting to collect a debt, I was being recorded, or anything used can be used.

I thought representation was an arbitration company from XXXX given a very long dispute over XXXX XXXX  claim and services of collector XXXX XXXX XXXX all many years. I stated, " the debt is not valid. I do not owe them any money. I explained my story because I was not aware he was from a collection agency until I was talking to him. Then, the phone number I called to call back was their main line in Ohio, yet the caller 's phone was from a different state and city. In the end, the caller was reached via their corporate number but he tricked me using a noncompany number.

After he listened, He directed me to call XXXX to validate the debt, so XXXX  referred me back to them all within the hour ( the two were working together ).

I was provided a reliant supervisor E-mail to contact as I offered to settle the case for less than their claimed amount of {$2400.00}. No response yet.

XXXX XXXX XXXX is using abusive tactics via collection agencies, and the collection agencies are consistently not being held accountable for violations of the law. Therefore, I exercise my right for legal action and fines again present, former collection agencies in this case and now XXXX  who knows abuse the abuse and letting the collection take to blame for violations of the law. The tactics of this agency, the others, and XXXX  is intended to inflict harm as long as possible with NOT intent to close this out. I offered to settle multiple times, yet they keep saying they my credit report will be impacted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I spoke to the company told them that the debt wasn't mine. But it been 6 months and it still on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 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: NV

Complaint narrative:
XXXX XXXX XXXX Explained that this account was opened Fraudulently by someone using my information this is being reported negatively on my experian report the amount is 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 2018-05-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I paid off thru a settlement transaction an old derogatory account of a Credit card that belongs to XXXX XXXX XXXX ( XXXX ) XXXX XXXX with a 3rd Party ( XXXX XXXX XXXX XXXX ) and I will be closing my first home in XXXX County Area in Florida the next XX/XX/XXXX. so the Lender is financing me gave me the opportunity to try to expedite the process of report the account properly in all 3 Credit Bureaus Companies as soon as possible to try to raise my XXXX/Credit Score and Report, in order to prevent high interest mortgage loan that i should not deserve if I was responsable paying off accounts that affects my Credit in General

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 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: NC

Complaint narrative:
Hello.

I noticed an ungodly amount of credit inquires on my account I DID NOT AUTHORIZE in XX/XX/XXXX after pulling my report, I contacted this credit agency and let them know I had not authorized them. I was told " sorry we don't dispute/delete hard inquires " these inquires are false and not mine. Some one has clearly been using my information without my permission and it's STILL HAPPENING, they are still running my credit. This reporting agency has showed me, as the consumer mean nothing. These inquires are hendering me from even obtaining a new bank account because of two many inquires!

I'm asking for your help and am pleading with this agency to delete them. I've listed the incorrect ones belowXXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX Inquiry : XX/XX/XXXX RXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX  Inquiry :XX/XX/XXXX XXXX XXXX XXXX  Inquiry XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX XXXX   Inquiry : XX/XX/XXXXXXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XX/XX/XXXXXXXX  Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX XXXX  Inquiry : XX/XX/XXXXXXXX XXXX  Inquiry : XX/XX/XXXX XXXX  Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXXXXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : 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