vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-30 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: CA

Complaint narrative:
Please note that this is not a DISPUTE but a request for complete COMPLIANCE and Challenge for Non-Compliance in accordance to the FCRA. 
I have recently reviewed my credit report as I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Upon review, there are injurious, UNPROVEN, NON-COMPLIANT and Inaccurate items being displayed on my credit report as per Credit Check Total. 
I have attached What these items are :

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 2018-03-30 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: CA

Complaint narrative:
NOTATION : This is a CHALLENGE and NOT A DISPUTE I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of its reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is attached to this complaint and must be deleted immediately, so please do so without delay. 
I have attempted to resolve the issue directly with the respective parties, however found that they were non-compliant as per the FCRA and CDIA requirements

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 2018-03-30 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: CA

Complaint narrative:
Please note that this is not a DISPUTE but a request for complete COMPLIANCE and Challenge for Non-Compliance in accordance to the FCRA. 
I have recently reviewed my credit report as I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Upon review, there are injurious, UNPROVEN, NON-COMPLIANT and Inaccurate items being displayed on my credit report as per XXXX XXXX XXXX. 
I have attached What these items are :

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 2018-03-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
I resided in XXXX XXXX Apartments and decided not to renew my lease. I gave XXXX XXXX a notice regarding my decision in a timely manner. On XX/XX/XXXX I completed my inspection satisfactorily and returned my keys. I did not pay XXXX 's rent however went to Magistrate court on XX/XX/XXXX. I spoke with a lawyer who represented XXXX XXXX and agreed I owed {$1100.00}. At this time, XXXX XXXX has forwarded my debt to Professional Debt Mediation.  Professional Debt Mediation is not a mediator, they work on behalf of XXXX XXXX. Professional Debt Mediation has placed a debt amount of {$1500.00} on my credit report. I have disputed the amount with XXXX XXXX, Professional Debt Mediation and the credit agencies. I would like to resolve this matter as soon as possible. I applied for an apartment and was denied due to my rental history. XXXX is the property manager for XXXX XXXX and refuses to contact the lawyer to retrieve the accurate amount owed. I want to pay {$1100.00} and this erroneous debt to be removed from all credit agencies involved.

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 2018-03-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
Mr. Cooper had bought out my VA Loan from XXXX XXXX. They didn't even have the loan for 90 days and now have decided to sell the loan to XXXX XXXX, they informed me.on XX/XX/XXXX by mail and I have strongly disagreed. I don't agree with XXXX XXXX business practices, nor do I have to and it not only causes me a XXXX  percent Veteran a great inconvenience, as we intended to combine loans and make.one payment with Mr. Cooper, with our TXVLB purchase on XX/XX/XXXX, but it also hurts our Credit Score drastically switching hinges companies continuously.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA

Complaint narrative:
re : One Main Financial Adding Vehicle Insurance On Title Loan # XXXX On XX/XX/2018, in response to written communication received regarding failure to supply proof of insurance on vehicle used to secure funding, we faxed copy of Declaration Page for policy with XXXX XXXX XXXX XXXX/XXXX Insurance to number supplied, along with a US Mail copy sent for the second time. 

On XX/XX/XXXX we received notice, that 'despite two prior notifications ' a 'Lender-Placed Insurance Premium Add-On ' premium of {$470.00} was being added to loan amount. 

On XX/XX/XXXX a call was placed to Customer Service seeking information as to why, despite confirmation of document received, we are being charged this unnecessary premium amount. 'XXXX ' informed us 1. Mail received requires a month to reach data entry department for update to account and 2. No telephone calls are initiated by One Main to account holder requesting a second fax, if one page of original fax was blurred or hard to read, which was the case here. 

On XX/XX/XXXX, via the 'Contact Us ' page on website, we sent a notice of our displeasure with how our communications were not acknowledged in a timely manner to avoid a {$470.00} additional fee. We explained and verified both mailing address in XXXX, GA and fax number indicated on their documents. We were reassured all was now ok with our account and the additional fees would be 'waived '. 

On XX/XX/XXXX, we received 'Creditor Placed Vehicle Insurance ' policy from XXXX XXXX XXXX XXXX XXXX IN, indicating amount due of {$470.00} was being added to loan amount. 

On Tuesday XX/XX/XXXX, e-mail was received from 'The Executive Office of Customer Care ', asking us to contact XXXX XXXX , @ XXXX, option 1, extension XXXX to address our concerns. No mention was made as to what time zone this person is located, so our first two calls from PST were disconnected when keying in all the numbers. We attempted an earlier time, and finally did make contact with XXXX XXXX who is in CST. 

Unfortunately, this call was very unsatisfying, since this department had no copies of ANY documents pertaining to my issues! 

Please help us straighten this out! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. CA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 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: CA

Complaint narrative:
Please note that this is not a DISPUTE but a request for complete COMPLIANCE and Challenge for Non-Compliance in accordance to the FCRA. 
I have recently reviewed my credit report as I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Upon review, there are injurious, UNPROVEN, NON-COMPLIANT and Inaccurate items being displayed on my credit report as per XXXX XXXX Total. 
I have attached What these items are :

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 2018-03-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
NOTATION : This is a CHALLENGE and NOT A DISPUTE I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ).  Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of its reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is attached to this complaint and must be deleted immediately, so please do so without delay. 
I have attempted to resolve the issue directly with the respective parties, however found that they were non-compliant as per the FCRA and CDIA requirements

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/18, an account/credit card was fraudulently opened in my name at XXXX XXXX. I filed a dispute to have the account removed from my credit bureau. A few days later, after apparently little to no actual investigation into the matter, I was notified that Syncrony had reported back to the bureau that the account was valid. I have now read accounts on the internet from many other people saying that their disputes were treated with the same careless attitude by XXXX XXXX. I refuse to stand for having an account that I did not open showing on my bureau. If they needed more time to " investigate '', that's fine, but to come back so quickly claiming they validated the account that I know is fraudulent almost makes them complicit in the fraud.

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 2018-03-30 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: CA

Complaint narrative:
NOTATION : This is a CHALLENGE and NOT A DISPUTE I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported  and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of its reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is attached to this complaint and must be deleted immediately, so please do so without delay. 
I have attempted to resolve the issue directly with the respective parties, however found that they were non-compliant as per the FCRA and CDIA requirements

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 2018-03-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: RFNA, LP
State: SC

Complaint narrative:
I was a victim of identity theft. My brother took out a personal loan using my social security number but his name, his ID, his work information, and his own personal address. I have contacted this company multiple times. I have offered to provide them with my ID, my proof of residence, and my work history. I was told they would get back to me. This process began in XX/XX/2017 when I first found out and it is still not settled. I want to respect the process however, my wife and I are in the process of buying a house and " we are waiting to hear back '' from a personal loan company is not what a lender wants to hear when they are trying to extend to us a couple XXXX XXXX dollars but can't because of an account like this. It is clear that my social security and his name are not a match. I need this removed and off my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STERLING JEWELERS, INC.
State: CA

Complaint narrative:
I was told by jared-gallery of jewelry. If I paid it off they would remove form my credit report. I paid in full and its still there. I have made many calls to them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I had a credit card with the worst company, XXXX XXXX. I had trouble making the payments but ended up paying this credit card off. Well this company continues to state on my credit report - charged off as bad debt. Not even stating that it was paid off. I have tried to go through the credit bureaus to no avail. I know I paid this off around 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 non-monetary relief
Consumer complaint received 2018-03-30 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.
State: TX

Complaint narrative:
IM A VICTIM OF ID THEFT, THERE ARE SEVERAL ITEMS ON MY REPORTS THAT IS NOT MINE OR I HAVE ANY KNOWLEDGE OF, I HAVE MY POLICE REPORT SENT IN ALONG WITH MY COMPLIANT FILE, PLEASE REMOVE IT ASAP ... ITS AFFECTING MY CREDIT. I CAN BE REACH AT XXXX ( CELL ) I CAN BE REACH AT ANYTIME ..POLICE REPORT NUMBER # XXXX XXXX ALSO SENT HARD CARD OF POLICE REPORT TO CREDIT COMPANY

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 2018-03-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: World Acceptance Corporation
State: SC

Complaint narrative:
I was a victim of identity theft ( with multiple payday loan companies in XXXX SC ) My brother took out a personal loan using my social security number but his name, his ID, his work information, and his own personal address. I have contacted this company multiple times. I have offered to provide them with my ID, my proof of residence, and my work history. I was told they would get back to me. This process began inXX/XX/XXXXXXXX XXXX  2017 when I first found out and it is still not settled. I want to respect the process however, my wife and I are in the process of buying a house and " we are waiting to hear back '' from a personal loan company is not what a lender wants to hear when they are trying to extend to us a couple hundred thousand dollars but can't because of an account like this. It is clear that my social security and his name are not a match. I need this removed and off my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Uber Technologies Inc.
State: NJ

Complaint narrative:
I was given an Uber gift card. 
When I tried to use it, it had a balance of {$5.00} less, which implies to me there was a {$5.00} surprise activation fee. ( It also gave an error, which is not the basis of this complaint. I wrote them about the error. ) The Uber terms and conditions do not include a {$5.00} activation fee. 

I have provided information on the only {$5.00} fee I could find, a ride cancellation fee, to show it does not apply.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
American Express has a promotion ads on their website as " Refer-a-friend to the XXXX XXXX business card and get a bonus XXXX XXXX points ''. On XX/XX/XXXX I used their link to send out an invitation to one of my friend. And he used the link in the invitation email to apply the card and got approved the same day. 

So far I have not received any bonus points. I did multiple times of online chat with American Express. So far I have not results yet. 
On XX/XX/XXXX, the first agent collected all required information and opened an inquiry case for me and said " The standard time frame is 6-8 weeks, however it may be resolved sooner than that. '' On XX/XX/XXXX, the second agent said it is not 8 weeks yet, please wait. 
On XX/XX/XXXX, the third agent told me the max time is 8-12 weeks and please contact us after XX/XX/XXXX and we will let you know the status. 
On XX/XX/XXXX, the fourth agent told me the investigating is still on, please keep waiting. 
On XX/XX/XXXX, the fifth agent told me " I see the case is open, I am forwarding the case to be resolved and you will see the outcome in next 7 business days. '' On XX/XX/XXXX, the sixth agent told me " I can ask the supervisor to send an email again to the team to have the status checked an notified through a call however we are already working with the team to have the status shared with you '' After many months waiting and chatting with 6 agents, I still have no idea what is happening. All I got from American Express is " Please wait '', and it is way over their " Max time frame ''.

Company response to consumer: Closed with explanation