vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-04 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: NM

Complaint narrative:
XXXX XXXX pulled my credit report without my authorization. It was a hard pull made on XX/XX/XXXX. 
I filed a dispute with Equifax. 
They received it - Confirmation # XXXX. 
They said they can only remove this hard inquiry from my credit report after they get a copy of my FTC complaint, which is why I'm filing it. 

XXXX never denied pulling my credit without my authorization. They said it was a " soft pull '' that would only stay on my credit report for 2 weeks maximum. That is not true! It is showing on my Equifax report as a hard inquiry that will stay on my report until XXXX XXXX. 

I want it gone and I want XXXX XXXX to compensate me for the damage they caused my credit and the time required for me to correct this!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 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: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
This account has been reporting on my credit since XX/XX/2019. The amount is XXXX. I have sent several request for validation but they keep sending me a bill but not validating the account. It is affecting my score terribly and I would like for it to either be validated or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Suttell, Hammer & White, P.S
State: WA

Complaint narrative:
I received a notice from suttell and hammer XX/XX/2019 stating that XXXX XXXX  XXXX has referred the above account to their offices for collection. I responded XX/XX/2019 asking them to verify that the debt was mine, exercising my rights under the FCRA, they sent me over 100 statements with my name and incorrect address on it. The failed to comply but I was served with papers today XX/XX/2019 being summoned to court for breach of contract, I don't recall signing a contract with Suttell and hammer, they didn't have enough decency to provide the contract with my signature on it that I am breaching, they are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Equitable Acceptance Corp
State: OR

Complaint narrative:
Equitable Acceptance Corporation charged me illegal upfront fees to perform document-preparation services consumers could do themselves through the U.S. Department of Education. 

The corporation advertised that they were a loan forgiveness program approved by the federal government ; that I would have to pay a certain percentage of my income for 10 years and the remainder of my student loans would be forgiven. 

On XX/XX/2016 I was telephoned by XXXX XXXX, Implementation Specialist. He said that I would pay a percentage of my income towards my loans and after ten years it would be forgiven. He then said there would be a fee collected for the loan forgiveness service. On the same day I was asked for proof of income. 

On the same day, XX/XX/2016, I signed the contract with Equitable Acceptance Corporation. 

On XX/XX/2016 my account with XXXX was opened. Since that time I have made XXXX payments of {$49.00} a month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
This company Bayview foreclosed on my home and made four attempts to sell, yet they have a sale date set for XX/XX/2019, and the process was all done forged, fabricated, and altered documents. 
Most Importantly, I attached documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Everything about me and my late husband identity has been stolen I am afraid of what is going on with my friend I think hes doing something to me and I am looking for help I cant provide my identity and I think there's something wrong about this whole incident my name is XXXX XXXX PLEASE BE Aware that someone is using my identity as well as my email address

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am attaching the results from XXXX that all of the fraud items were deleted that are reporting on XXXX  and Equifax. I am asking that they follow suit. If they did the same process then the result should be the same for all 3 bureaus. This was the outcome after disputing and reporting identity theft along with the police report. 


File Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
WHAT IS WRONG WITH THIS COMPANY EQUIFAX??? THEY KEEP PUTTING ADDRESSES ON MY CREDIT FILE THAT DOES NOT BELONG TO ME, NOR IS THERE A CREDITOR REPORTING THESE ADDRESSES!!! THEIR THE ONLY CREDIT REPORTING COMPANY THAT KEEPS PUTTING FALSE INFORMATION ON MY CREDIT FILE!!! 

I HAVE DISPUTED SENT ADDRESS VERIFICATION TO THIS COMPANY AND THEY CONTINUIOUSLY KEEP PUTTING WRONG INFORMATION ON MY CREDIT FILE. ITS A NO WONDER THEY ARE BEING SUED!!! THEIR SYSTEM IS HORRIBLE!!! THIS IS FREAKING RIDICULOUS!!!!!!!!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear Transunion, I managed to find the results from XX/XX/2018 when I initially filed my fraud and identity theft claim and here are the results attached. 

You are reporting the following accounts that are showing deleted. I did not receive any notifications that says it was being placed back per the FCRA which should be in writing from the bureau and this error must be deleted. 

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 2019-08-05 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: GA

Complaint narrative:
investigation was not preform and they did investigate the claim or try they do not have any contract with my name on it how did they certify anything they ignored my quest and keep information from being investigate which did invalidate they this is a validation of the fair debt collection act 601.

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 2019-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
On XX/XX/2019 I had a TD bank checking account balance of XXXX with 2 outstanding checks totaling less than 200.00, leaving me with at least 200.00+ in my checking. On XX/XX/XXXX, the automated system said I had a XXXX dollar balance. I spoke to TD bank and this is what happened. XXXX from TD Bank told me that she saw something called " deposit correction '' in my account, and that unfortunately sometimes an employee of the bank puts money in an incorrect account, and that she would e-mail her with copies of my bank statement and the withdrawing of my personal checking and savings account. She told me the person who did this was XXXX XXXX, Teleservice Manager at the XXXX, New Jersey TD Bank. To make matters worse, as I had XXXX in my account the day before, she withdrew XXXX - XXXX from my checking account, and then took XXXX from my savings as I had overdraft protection to total the XXXX. She left me in a dire situation as I could not pay my bills, the 2 outstanding checks were going to bounce so more fees, and the overdraft fee. XXXX gave me the name, number of the employee, her manager and his number, the CEO 's number, but due to it being a weekend, was unable to contact these specific people. 

She told me I should contact XXXX XXXX and ask her to refund my accounts, or talk to her manager to help rectify this situation XXXX XXXX at XXXX, and then gave me the CEO XXXX XXXX at XXXX. 

I should not have to contact anyone to solve this problem due to an internal error that they made and how am I supposed to figure all this out? And that I need to investigate their system 's internal problem. I have never heard of anyone being asked to resolve this error. She left me in a financial hardship situation as I am on Social Security XXXX and the 2 outstanding checks were going to bounce as well as the fee for overdraft protection, etc, not to mention possibly affecting my credit score which used to be XXXX. I live in XXXX, MA and my TD Bank is in XXXX, MA. I have never authorized anyone to just withdraw money from my accounts. What she did was illegal and she should solve this immediately. 

Also, by the way, since that was the exact amount of my mortgage, who I do NOT have automatic withdrawal with, I thought it was my mortgage company XXXX XXXX, so I had filed a complaint with you as I didn't know at the time it was actually from TD Bank and not XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: Embassy Loans
State: FL

Complaint narrative:
Embassy loans was paid an closed on XX/XX/2015

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 2019-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: WI

Complaint narrative:
My mom purchased a 2018 XXXX XXXX in XX/XX/2018. In XXXX, she had a XXXX. She suffered many injuries & we do not know if she will ever drive again. She is on SSI & XXXX. I am her POA & I've been trying to make arrangements with XXXX XXXX. I have two options : a voluntary surrender with the bank auctioning off the car, or selling to a 3rd party. The dealership has offered to purchase the vehicle for {$15000.00}. When the service agreement & gap coverage is refunded, she may still owe {$4000.00}. I requested that XXXX XXXX let us sell the car back to the dealership and we will work out a payment arrangement for the balance. 

XXXX XXXX  has refused this offer and refuses to release the title to the dealership. They insist that we voluntarily surrender the car & my mom will have to pay all the fees associated with the auction. Auctions tend to get less money for a car that a buyback from the dealership. I've talked to someone in the executive office and they would not explain to me why they would release the title in an auction and not in a 3rd party sale. They are refusing to work with me to reduce my mom 's debt. Chrysler also called me at XXXX XXXX after I specifically asked them not to call before XXXX XXXX Mountain time. 

When my mom purchased the car, her loan came with a 14.5 % APR. She owes {$23000.00} for a vehicle the dealership values at {$15000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Main Street Personal Finance
State: MI

Complaint narrative:
onXX/XX/19,IwentintothepaydayloanofficelocatedatXXXXXXXXXXXXtogetaloanfor{$400.00}.Iwantedtolendittomydaughterforherdepositonherapartment.Ipresentedcheck#XXXXintheamountof{$450.00}totheclerk.ShenotedthatmynextpaycheckfromSocialSecuritywasXX/XX/19.ThiswasonedaylessthantheXX/XX/19whichshesaidwaswithinher30-daytransactionalruleforrepayment.Ididnotthinktheonedaywouldbeanissue.Wellitturnedouttobeanissuebecausemydaughter'srepaymenttomeofwhatIborrowedtogivetoherdidnothappenwithin29days.IcalledtheMerchanttwice:boththeweekbeforetheloanwasdueandthedaybeforeitwasdue.Nooneseemedtohaveconcreteanswers,buttheclerkondutyputaonedayholdonthecheck.ThiswasfinebecauseIknewthemoneywouldbedepositedbymidnightandIwouldnotneedtheentire24hours.

SincemySocialSecuritycheckdroppedatmidnightonXX/XX/19,IwentintothepaydayloanmerchantthenextmorningandredeemedCheck#XXXXforcash.ThecheckwasreturnedtomeandIhavethebankreceiptwhereIwithdrewthemoney.Somehowcheck#XXXXwaspresentedtothebankelectronicallyonXX/XX/19bythemerchantafterIhadalreadyrepaidthemwithacashpayment.ThecheckclearedmyaccountonXX/XX/19.Thismeansthemerchantgotpaidtwiceor{$900.00}.Thiscausedfiveoverdraftsinmyaccountplustheadditional{$450.00}whichshouldnothavebeentaken.Thiscreatesahardshipforsomeoneonafixedincomethatthemerchantwouldbethiscarelessordishonest.ThishasbeenamajorinconvenienceandIwillnotdropthisissuebecauseitmeansthatIwillbethreeweekswithmyaccountinanegativebalanceandIcan'ttakecareofmyfinancialobligationsforthemonthofXXXX.Thisincludesfood,gasandothernecessities.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Global Payments Check Services, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX Sunday the Global Payments Gaming Services is denying me to have my personal checks cashed through their services at Gaming Establishments. 

When I asked why they are refusing to tell me. I haven't used their services since the XXXX 's and I satisfied all checks in the allotted time that was given at that time over 20 years almost ago!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: NY

Complaint narrative:
I've been trying to solve it with them, previously I had financial difficulties before I called West lake Financial Services and was told that my account is eligible for a 1 moth brake in payments every 4 months of consecutive payments, these people are giving me a hard time and besides penalized me an additional {$33.00} on the top of already very high balance with extremely high interest rate, they are ridiculous, I've contacted them on a XX/XX/XXXX to let them know that I will need a brake this month but they seem not to understand, I believe they have difficulties understanding English and what I'm trying to ask for, please make sure they report my account accordingly, very disappointing! They added penalty when I let them know ahead of time that I'm taking brake this month due to my financial circumstances. Please make sure these people do their job right not telling me on the phone " I don't know whom you spoke to before but ... ... '' This is horrible customer service experience!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: FL

Complaint narrative:
XXXX XXXX did not hire a collection repair company. My claim has not been validated i have been try to get this looked in too since XX/XX/XXXX and the credit agency are blowing it off and not looking at none of the facts thats this is not my account. I received a bunch of garbage from the axle hed company with a made up contact that is not my signature. I and sending the made up contact and a copy of my Id please compare the too and look at the us postage which i sighed and my looks nothing like the made up copy righted signature. The credit agency is not even validated the account they are refusing to do there job. And putting wrong information that does not belong to me on my credit report. Also they removed XXXX XXXX XXXX off my file back in XX/XX/XXXX and thats who sent the contact for XXXX XXXX XXXX a fraudulent account. i filled out with my And also direct to the company I am trying to get this resolved I have sent certified letters to the credit bureaus. For XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX tracking number sent directly to XXXX XXXX   XXXX XXXX I sent certified letter with requested signature to the collection agency with signature returns that it was received and they still have failed to send me information that the account belongs to me. The credit bureau are refusing to take this off my credit. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.. the collection company will not respond to me so the credit bureau are failing to report accurately information please remove off my report. Please actually ready all Correspondence and remove this fraudulent account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-05 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: NC

Complaint narrative:
Experian Rent Bureau has wrong information and because of that my husband, son, and I were denied a lease to rent a house on XX/XX/19 Our application was submitted on XX/XX/19. In our tenant reports it says that we have an Outstanding balance with XXXX XXXX collections for XXXX XXXX apartments in the amount of {$4200.00}. This account was satisfied and closed and XXXX XXXX collections reported it to be removed This has caused a tremendous hardship on my family. We are scrambling to try to get this corrected so that we can get new housing. XXXX XXXX  is the company that used your company rent bureau and they stated that I need to fill out a dispute form along with a copy of the letter from XXXX XXXX collections showing that the account is satisfied and closed. They stated it is going to take about 30 days to investigate this I dont understand why I can not get this expedited. I need your company rent bureau to delete this in our files. I will fax this dispute info to XXXX tomorrow XX/XX/19 so that you rent bureau can delete this immediately. It should not take 30 days in this day and time it only took your company less than 24 hours to get us denied for the property because of an accurate information on your tenant screening report There are no Repercussions for your company having wrong information and that needs to change

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 2019-08-05 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: TX

Complaint narrative:
TransUnion customer service wouldn't take care of it, I told them I was a victim of fraud and the Inquiries on my credit report were inaccurate and were not mine. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Banks and S & Ls  XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Banks and S & Ls XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX Finance other than personal XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Finance other than personal XXXX XXXX XXXX   XXXX XXXX, DC XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Finance other than personal XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Banks and S & Ls  XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Finance, personal XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX Finance, personal XXXX XXXX  XXXX XXXX, AL XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Finance, personal XXXX XXXX XXXX XXXX XXXX, TX 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