vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
I received loan for Mariner Finance. I believe that I made all the payments but now I am being told that I owe the entire amount of the original loan. It is now being reported as such. I believe that I am a victim of predatory lending practices. I believe that there was a small undisclosed amount left with the loan and the attached fees and interest until the amount was in the amount of the original loan amount then they reported it to the credit agencies. I attempted to review my account through my online account with Mariner Finance and see no records of prior loans or payments made. I am trying to take care of the amount I  actually owe with the company. I made payments for the time agreed upon. I was only notified that I owed the entire amount of the original loan.

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 2020-05-06 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: OH

Complaint narrative:
Hi, The payment history for students loan are inaccurate as I have not been late. I requested METHOD OF VERIFICATION OF LATE PAYMETS. Without automated response from a e-Oscar system. I would like to know the individuals involved in the investigation that verified the late payments. Here is the information that should presented : Names, Dates, Addresses, Notarized documents, and Phones Numbers. Also, I did not recall these accounts as well. 

Loans : XXXX # XXXX Amount {$24000.00} XXXX # XXXX Amount {$15000.00}

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 2020-05-06 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: OH

Complaint narrative:
Hi, The payment history for students loan are inaccurate as I have not been late. I requested METHOD OF VERIFICATION OF LATE PAYMETS. Without automated response from a e-Oscar system. I would like to know the individuals involved in the investigation that verified the late payments. Here is the information that should presented : Names, Dates, Addresses, Notarized documents, and Phones Numbers. Also, I did not recall these accounts as well. 

Loans : XXXX # XXXX Amount {$24000.00} XXXX # XXXX Amount {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: OH

Complaint narrative:
Hi, The payment history for students loan are inaccurate as I have not been late. I requested METHOD OF VERIFICATION OF LATE PAYMETS. Without automated response from a e-Oscar system. I would like to know the individuals involved in the investigation that verified the late payments. Here is the information that should presented : Names, Dates, Addresses, Notarized documents, and Phones Numbers. Also, I did not recall these accounts as well. 

Loans : XXXX # XXXX Amount {$24000.00} XXXX # XXXX Amount {$15000.00}

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 2020-05-06 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven`t received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-06 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: IN

Complaint narrative:
My credit file is a reflection of my identity been compromised, therefore not only are my accounts fraudulent but the following inquiries as well. I did Not authorize these inquiries, and I'm demanding that they be removed. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX XXXX 3 ) XXXX  XXXX XXXX 4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX 7 ) XXXX XXXX XXXX   XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XXXX XXXX 10 ) XXXX XXXX XXXX  XXXX 11 ) XXXX XXXX XXXX XXXX 12 ) XXXX XXXX XXXX 13 ) XXXX XXXX XX/XX/XXXX 14 ) XXXX XXXX XXXX XXXX 15 ) XXXX XXXX XXXX XXXX 16 ) XXXX XXXX XXXX 17 ) XXXX XXXX XXXX 18 ) XXXX XXXX XXXX 19 ) XXXX XXXX XXXX  XXXX 20 ) XXXX XXXX XXXX XXXX XXXX 21 ) XXXX XXXX  XXXX 22 ) XXXX XXXX XXXX 23 ) XXXX XXXX XXXX 24 ) XXXX XXXX XXXX XXXX 25 ) XXXX XXXX XXXX 26 ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: IN

Complaint narrative:
My credit file is a reflection of my identity been compromised, therefore not only are my accounts fraudulent but the following inquiries as well. I did Not authorize these inquiries, and I'm demanding that they be removed. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX XXXX 3 ) XXXX  XXXX XXXX 4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX  XXXX 7 ) XXXX XXXX XXXX   XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XXXX XXXX 10 ) XXXX XXXX XXXX  XXXX 11 ) XXXX XXXX XXXX XXXX 12 ) XXXX XXXX XXXX 13 ) XXXX XXXX XXXX 14 ) XXXX XXXX XXXX XXXX 15 ) XXXX XXXX XXXX XXXX 16 ) XXXX XXXX XXXX 17 ) XXXX XXXX XXXX 18 ) XXXX XXXX XXXX 19 ) XXXX XXXX XXXX  XXXX 20 ) XXXX XXXX XXXX XXXX XXXX 21 ) XXXX XXXX XXXX 22 ) XXXX XXXX XXXX 23 ) XXXX XXXX  XXXX 24 ) XXXX  XXXX XXXX XXXX 25 ) XXXX XXXX XXXX 26 ) 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 2020-05-06 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I sent letters off over 45 days ago no response from all 3 of these clowns of bureaus. I am tired of dealing with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I sent letters off over 45 days ago no response from all 3 of these clowns of bureaus. I am tired of dealing with this problem.

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 2020-05-06 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I sent letters off over 45 days ago no response from all 3 of these clowns of bureaus. I am tired of dealing with this problem.

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 2020-05-06 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
dealing with a problem like always with these guys. no response to consumers who have innacurte things on their credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
dealing with a problem like always with these guys. no response to consumers who have innacurte things on their 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 2020-05-06 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
dealing with a problem like always with these guys. no response to consumers who have innacurte things on their 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 2020-05-06 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: FL

Complaint narrative:
I have disputed the 3 bankruptcies on my credit report several times. Transunion, XXXX  & XXXX  keep telling me that they verified them with XXXX XXXX. I have a certified letter from the Court house confirming that they do not and will never verify bankruptcies with anyone Including Transunion, XXXX, XXXX  and XXXX XXXX. By law, these credit bureaus can not report unverified information on my credit report but they refuse to remove it. This is a violation of the Fair Credit Reporting Act. Please have these bankruptcies removed : Reference # XXXX, XXXX, XXXX. 

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 2020-05-06 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

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 2020-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: FL

Complaint narrative:
I have disputed the 3 bankruptcies on my credit report several times. XXXX, XXXX  & Equifax keep telling me that they verified them with XXXX XXXX. I have a certified letter from the Court house confirming that they do not and will never verify bankruptcies with anyone Including XXXX, XXXX, Equifax and XXXX XXXX. By law, these credit bureaus can not report unverified information on my credit report but they refuse to remove it. This is a violation of the Fair Credit Reporting Act. Please have these bankruptcies removed : Reference # XXXX, XXXX, XXXX. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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:
I have disputed the 3 bankruptcies on my credit report several times. XXXX, Experian & XXXX  keep telling me that they verified them with XXXX XXXX. I have a certified letter from the Court house confirming that they do not and will never verify bankruptcies with anyone Including XXXX, Experian, XXXX and XXXX XXXX. By law, these credit bureaus can not report unverified information on my credit report but they refuse to remove it. This is a violation of the Fair Credit Reporting Act. Please have these bankruptcies removed : Reference # XXXX, XXXX, XXXX. 

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 2020-05-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: GA

Complaint narrative:
Unfortunately, my loan was sold to Amerihome Mortgage and its been XXXX ever since. In XX/XX/2017 just 3 months after purchasing the home, I had an accident which landed me out of work for 6 months. I sent modification documents to Amerihome Mortgage 21 times. Each time they confirmed they received the documents and would process. Between 10-30 days later i would receive a letter stating there was a page missing or something else was needed, etc. This went on for months until they filed foreclosure. This forced me to file Chapter XXXX Bankruptcy. Since my plan was confirmed i have made all payments to Amerihome. Unfortunately they have not applied the payments properly thus leaving my account in a perpetual past due status. Bankrutcy code states they are required to apply ongoing payments as if the account was never behind. Statements that are paid in full one month will show an amount that is past due for the next month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Hi, associate. : My name is XXXX XXXX..l am filing a complaint. My checking was reported fraud activity on XX/XX/2020. Somebody used my checking to make a payment of {$96.00} at XXXX on XX/XX/2020.I login my account and found out the {$96.00} was still pending. So l called the bank to stop payment.And after this, there was a huge amount of moneytransfer from my account through electronic and other check ( {$190.00} ) was pending..

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 2020-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL

Complaint narrative:
As per the FCRA " I have the right to obtain copies of applications and other business records relating to transactions and accounts that resulted from identity theft. '' I have mailed IQ Data International collection agency via certified mail twice asking for them to provide me with debt verification in the form of, a copy of the apartment application that was used to initiate an account with IQ Data International or original creditor the XXXX XXXX at XXXX. I was told by XXXX at IQ Data that, " they do not have the apartment application on file to send to me for verification. '' However, IQ Data International has continued to report this debt onto my credit files with all 3 credit bureaus. This is a violation of the FCRA! IQ Data is claiming I owe them {$540.00} as of XX/XX/2020, however they can not and will not provide me with LEGAL PROOF/DOCUMENTATION that the debt belongs to me as an individual consumer! IQ Data refuses to send me the application which the FCRA says I am entitled to in order to validate the debt! IQ Data has also refused to show me proof they are licensed to collect in my state of FL and refused to provide me with their license numbers and Registered Agent or Agent of Service that I requested in writing from them. Please have IQ Data to follow the FCRA and send me all the information I requested as well as the application, lease, or signed contract, or else have this erroneous debt deleted from all my credit files!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-06 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: Experian Information Solutions Inc.

Complaint narrative:
Good morning, Somebody i heavily using my identity to get some money, i am seeing tons of hard inquiries in my credit report which does not belong to me, moreover i have not been living in the United States for 5 years, inquiries are given below. 1 ) XXXX  XXXX XXXX-Inquiry date : XX/XX/XXXX 2 ) XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX 3 ) XXXX XXXXInquiry date : XX/XX/XXXX 4 ) XXXX- Removal date : XX/XX/XXXX 5 ) XXXX/XXXX-Inquiry date : XX/XX/XXXX 6 ) XXXX- Inquiry date : XX/XX/XXXX 7 ) XXXX/XXXX-Inquiry date : XX/XX/XXXX 8 ) XXXX  XXXX XXXX- Inquiry date : XX/XX/XXXX 9 ) XXXX- Inquiry date : XX/XX/XXXX 10 ) XXXX- Inquiry date : XX/XX/XXXX 11 ) XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX 12 ) XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX 13 ) XXXX/XXXX-Inquiry date : XX/XX/XXXX 14  ) XXXX-Inquiry date : XX/XX/XXXX 15  ) XXXX XXXX- Inquiry date : XX/XX/XXXX 16 ) XXXX XXXX XXXX-Inquiry date : XXXX XXXX, XXXX 17 ) XXXX XXXX XXXX- Inquiry date : XXXX XXXX, XXXX 18 ) XXXX- Inquiry date : XXXX XXXX, XXXX 19 ) XXXX XXXX XXXX-Inquiry date : XX/XX/XXXX 20 ) XXXX XXXX XXXX-Inquiry date : XX/XX/XXXX 21 ) XXXX XXXX Inquiry date : XX/XX/XXXX XXXX ) XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX 23 ) XXXX XXXX-Inquiry date : XX/XX/XXXX Please find attached documents, in case if you did not receive attachments below is the link to download them. 


Below is the link to documents for confirming my identity : 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