vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-19 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: MI

Complaint narrative:
i contacted the three credit report agencys. XXXX, transuion, and XXXX concerning the inquires that are on my credit report. 6 months ago I contacted them with a letter asking for them to be removed as they are not mine and they are not associated with anything I own or have ever owned. I then received letter back from all three that were just computer generated saying they have investigated and they belong there. I sent them out letter again stating these were not mine and asked them to provide proof they have these inquires are mine and I approved someone to run my credit.. during this time of the second letter I froze my account through some agencys and am trying to make sure nobody is accessing my credit again. I received the same generated email from all three companies stating the same thing but did not provide me with any documentation that they received proof these items are mine and I approved anyone to run my credit. I reached out to several of the companys that are listed as inquires and have never gotten a response back or anything letting me know who would give permission to run my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP
State: NY

Complaint narrative:
I have a checking account with key bank. They are supposed to update my direct deposit and bank balance with XXXX XXXX ( a third party that I have authorized access to that information ) Key bank is not sending timely updates as they are supposed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The credit bureau is reporting an address and phone number on my credit report that are not mine. I have never lived at " XXXX XXXX XXXX XXXX, XXXX, VA XXXX ''. Also, my phone number has never been XXXX. This information is inaccurate and needs to be removed from my credit report. I do not want someone who checks my credit in the future to associate me with this address or phone number that I have never used before.

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 2017-06-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Loan extension requested from ten year term -- -- to more additional years on time payments-NOT AN OPTION! INSTRUCTIONS- The company made it an application loan modification ... XXXX XXXX- Sent many faxes with delays-185 pages-SHOWING ASSETS AT XXXX CASH and two homes no consumer debt late payments -or concerns- Many delays- Called with Delay rejected underlined items vs. circled line items then went to bank circled items and rejected cause header information was not on the page only showed the account number which matched the prior submission. Required me to send three times delaying pkg from XXXX XXXX to XXXX XXXX XXXXn still 60 days from payment being late- These policies delayed kit from going to loan underwriting for 5 months. 150 days! Told thirty-days evaluation was required -- - XXXX XXXX XXXX They needed more time no commitment to when my decision would be made. XXXX XXXX XXXX They requested XXXX payment and two more trial payments of XXXX without any commitment I submitted this early-There is no reasonable explanation for late payments. " Loan was current and paid XXXX XXXX bill payment from XXXX XXXX but was rejected for interest only -- and returned not the full balloon payment -- for 121st payment. On XXXX XXXX XXXX Received loan modification for nine years only payment XXXX was XXXX prior- XXXX first mortgage exists with escrow account total is not viable. So no workable deal was made being XXXX -- -a 20- year product would be viable -standard in loan industry today they made it nine. Want to refinance to reasonable payment-now lenders will not- Can not secure a loan with late notes on mortgage -- - forced to five percent interest and payment is not AFFORDABLEn with nine years as term for interest and balance after XXXX reductions in the process. Most probably I will be forced to sell my home. This is not fair or reasonable -policies favored investors and have not been true and forthright-correction needed.

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 2017-06-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Loan extension requested from ten year term -- -- to more additional years on time payments-NOT AN OPTION! INSTRUCTIONS- The company made it an application loan modification ... XX/XX/XXXX- Sent many faxes with delays-185 pages-SHOWING ASSETS AT XXXX CASH and two homes no consumer debt late payments -or concerns- Many delays- Called with Delay rejected underlined items vs. circled line items then went to bank circled items and rejected cause header information was not on the page only showed the account number which matched the prior submission. Required me to send three times delaying pkg from XX/XX/XXXX to XX/XX/XXXXn still 60 days from payment being late- These policies delayed kit from going to loan underwriting for 5 months. 150 days! Told thirty-days evaluation was required -- - XX/XX/XXXX They needed more time no commitment to when my decision would be made. XX/XX/XXXX They requested XXXX payment and two more trial payments of XXXX without any commitment I submitted this early-There is no reasonable explanation for late payments. " Loan was current and paid XX/XX/XXXX bill payment from XXXX XXXX but was rejected for interest only -- and returned not the full balloon payment -- for 121st payment. On XX/XX/XXXX Received loan modification for nine years only payment XXXX was XXXX prior- XXXX first mortgage exists with escrow account total is not viable. So no workable deal was made being disabled -- -a 20- year product would be viable -standard in loan industry today they made it nine. Want to refinance to reasonable payment-now lenders will not- Can not secure a loan with late notes on mortgage -- - forced to five percent interest and payment is not AFFORDABLEn with nine years as term for interest and balance after XXXX reductions in the process. Most probably I will be forced to sell my home. This is not fair or reasonable -policies favored investors and have not been true and forthright-correction needed.

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 2017-06-19 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:
I had a fraud alert placed on my credit file several times that indicates anyone who runs my credit needs to call me and that has not been done and this violates my rights as a consumer. I have reached out the each credit bureau : XXXX, TransUnion and XXXX multiple times to advise of my credit being pulled without my permission without any resolve. I have attempted to dispute the unauthorized inquires on multiple occasions by disputes online and via phone, to no resolve. On my XXXX, reports, the inquiries are showing to be reported as of XXXX/XXXX/2017 when they in fact have been up there longer than that.

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 2017-06-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
multiple times since XXXX of 2016 I have disputed full debts charged to my card, which were not placed in or anywhere near my location ( 600mi away ). The card was racked up twice to its limit, account is double the limit because XXXX/comenity refuses to acknowledge that the debt is fraudulent. they refuse to report the account as closed, let me deal with a 3rd party collector, or fairly dispute the account. I have on time payment until this timeframe. the debt isnt mine, I have had other cards closed and deleted for less, but this bugger wont follow the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The credit bureau is reporting an address and phone number on my credit report that are not mine. I have never lived at " XXXX XXXX XXXX XXXX, XXXX, VA XXXX ''. Also, my phone number has never been XXXX. This information is inaccurate and needs to be removed from my credit report. I do not want someone who checks my credit in the future to associate me with this address or phone number that I have never used before.

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 2017-06-19 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: VA

Complaint narrative:
The credit bureau is reporting an address and phone number on my credit report that are not mine. I have never lived at " XXXX XXXX XXXX XXXX, XXXX, VA XXXX ''. Also, my phone number has never been XXXX. This information is inaccurate and needs to be removed from my credit report. I do not want someone who checks my credit in the future to associate me with this address or phone number that I have never used before.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 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 — Problem getting your free annual credit report
Company: ID Analytics, Inc.
State: NV

Complaint narrative:
Hello, There is a new credit reporting company now called Sage Stream, LLC based in XXXX XXXX, CA. The company offers no online dispute and wants information that they should not need to get a credit report. You have to mail them the following. Please provide the following information to request your consumer report : 1. A written request with signature that includes the following information : First name, middle name, last name, suffix ( if applicable ) Current address including ZIP code Current phone number with area code Social Security number Date of birth ( month, date and year ) 2. Copies of at least two of the verification documents listed below that substantiate the personal information that you provide as listed in Step 1 : Current state-issued drivers license or other current Government issued identification ( such as a passport ) Recent cable, utility or phone statement, produced 60 days ago or less Social Security card Birth certificate U.S. passport picture page Alien registration card Voided personal check with your current preprinted address None of the other credit reporting agencies need information to this extreme. I have never heard of these people so i am not sending everything from my whole life to them to get a credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 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: LA

Complaint narrative:
I put an fraud alert on all  XXXX  credit reporting agencies because I did n't authorize any of the following inquiries. I sent letters to the credit agencies and also the company in which inquiries where pulled from and they still remain on my credit report.             XXXX   :  XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  (  XXXX  )  XXXX  Inquiry Type : Individual Requested On :  XXXX / XXXX / XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  (  XXXX  )  XXXX  Inquiry Type : Individual Requested On :  XXXX / XXXX / XXXX    XXXX    XXXX  BANK  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  (  XXXX  )  XXXX  Inquiry Type : Individual Requested On :  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX ,   XXXX    XXXX  (  XXXX  )  XXXX  Inquiry Type : Individual Requested On :  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 2017-06-19 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: LA

Complaint narrative:
I put an fraud alert on all  XXXX  credit reporting agencies because I did n't authorize any of the following inquiries. I sent letters to the credit agencies and also the company in which inquiries where pulled from and they still remain on my credit report.             XXXX   :  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  (  XXXX  )  XXXX  Inquiry Type : Individual Requested On :  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,   XXXX    XXXX  (  XXXX  )  XXXX  Inquiry Type : Individual Requested On :  XXXX / XXXX / XXXX    XXXX    XXXX  BANK  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  (  XXXX  )  XXXX  Inquiry Type : Individual Requested On :  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  (  XXXX  )  XXXX  Inquiry Type : Individual Requested On :  XXXX / XXXX / XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I recently went to check the balance of a gift card, and the balance was {$0.00}, with multiple purchases occurring in California ( while I live in Massachusetts ). After contacting AMEX, I was told the card was physically swiped at both locations and was told there was nothing they could do. After informing them I have n't been to California in years and I have the card in my possession, I said there must be a security flaw. They continued to push back saying there is nothing they can do, and I finally had to have them commit to escalate the issue. The person on the phone promised me I would receive a call within 48 hours, to which I asked he reconfirm that as we were on a recorded line. After reconfirming I would receive a call back within 48 hours, the call ended. Two weeks later, I have not received a call and when calling back regarding the issue, AMEX is demanding a receipt from the time of purchase ( which I do not have as it was a gift ) and has refused to commit to have someone call me back. I informed them that I was promised a call back last time, to which the response was there is no way to confirm them. I reminded the worker that we are on recorded lines and it was very easy to confirm to which I was put on hold, and now 25 minutes into the call I have not had anyone come back to the line.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I would like to file a complaint against Navient. I recently received mail that half of my loans were not included in my consolidation request due to reason 8. I XXXX XXXX XXXX, 2017 so my loans should not be in an in-school status. Navient knows this I have informed them multiple times. I previously applied for and was accepted into the PAYE plan which was then replaced by the REPAYE plan by navient. When I called to rectify I was told they were the same thing and would cost the same - This was a lie. The REPAYE plan will cost me more than {$150000.00} more in the long run. I was incorrectly told I could apply for auto pay and save .25 % only to be denied when completing the autopay application. I was told that I would be able to begin loan payments toward PSLF and PAYE only to find that loans in grace periods will continue to grow and will capitalize in 6 months without a consolidation. These are all practices which are unlawful and will cost me a significant amount of money. I am now waiting for a loan consolidation application which apparently will need to be redone now that they do n't have half the loans included. Every day I continue to grow interest which will capitalize to a larger amount the longer they give me the runaround. I tried to call today and was told due to a high school volume I need to schedule a call back in the future - this is unacceptable as everyday costs me money and every day that money goes to their profits instead of hiring more representatives to resolve these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 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: MI

Complaint narrative:
i contacted the three credit report agencys. equafax, XXXX, and XXXX concerning the inquires that are on my credit report. 6 months ago I contacted them with a letter asking for them to be removed as they are not mine and they are not associated with anything I own or have ever owned. I then received letter back from all three that were just computer generated saying they have investigated and they belong there. I sent them out letter again stating these were not mine and asked them to provide proof they have these inquires are mine and I approved someone to run my credit.. during this time of the second letter I froze my account through some agencys and am trying to make sure nobody is accessing my credit again. I received the same generated email from all three companies stating the same thing but did not provide me with any documentation that they received proof these items are mine and I approved anyone to run my credit. I reached out to several of the companys that are listed as inquires and have never gotten a response back or anything letting me know who would give permission to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 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: MI

Complaint narrative:
i contacted the three credit report agencys. XXXX, XXXX, and Experian concerning the inquires that are on my credit report. 6 months ago I contacted them with a letter asking for them to be removed as they are not mine and they are not associated with anything I own or have ever owned. I then received letter back from all three that were just computer generated saying they have investigated and they belong there. I sent them out letter again stating these were not mine and asked them to provide proof they have these inquires are mine and I approved someone to run my credit.. during this time of the second letter I froze my account through some agencys and am trying to make sure nobody is accessing my credit again. I received the same generated email from all three companies stating the same thing but did not provide me with any documentation that they received proof these items are mine and I approved anyone to run my credit. I reached out to several of the companys that are listed as inquires and have never gotten a response back or anything letting me know who would give permission to run my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 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: TX

Complaint narrative:
I had a fraud alert placed on my credit file several times that indicates anyone who runs my credit needs to call me and that has not been done and this violates my rights as a consumer. I have reached out the each credit bureau : Equifax, XXXX and XXXX multiple times to advise of my credit being pulled without my permission without any resolve. I have attempted to dispute the unauthorized inquires on multiple occasions by disputes online and via phone, to no resolve. On my Equifax, reports, the inquiries are showing to be reported as of XXXX/XXXX/2017 when they in fact have been up there longer than that.

Company response to consumer: Closed with explanation