vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-28 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: TX

Complaint narrative:
I contacted XXXX on XX/XX/XXXX to advise them that I have no knowledge of a XXXX XXXX nor is this company any where on my credit report ... 

I contacted Experian on XX/XX/XXXX and informed them that I have no knowledge of a XXXX XXXX and they are no where on my credit report .... 

These ( 2 ) inquired were not by permissional purpose at all and I want them deleted/removed from my credit report immediately. 

XX/XX/XXXX is XXXX XXXX XX/XX/XXXX is 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 non-monetary relief
Consumer complaint received 2019-03-28 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: NJ

Complaint narrative:
Approximately XX/XX/XXXX, I contacted and logged a dispute with Equifax Credit Bureau about an address appearing on Credit report, that was not my bonifide address of residence or for receiving Mail or Bills in XXXX, Pa, and requested it be removed. 
I was notified by e-mail after a period of time, and confirmed with an agent of Equifax, that the dispute was " resolved ''. When I queried the agent that this address was removed from my report, the answer was " Yes '' On XX/XX/XXXX, The invalid address still appears. When talking to Equifax to find out why, the are very difficult and when they have all the pertinent information about SS as identification of the account insist on other obscure, not readily accessible information from computer before going forward to addressing the failures a year ago. 
They are not cordial when asking for supervisors or have them get on the phone at the time of need. 
They are asleep when our Credit information is hacked, but when a Consumer needs to have a simple issue resolved, its an inquisition.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I had a mortgage loan with XXXX XXXX XXXX XXXX. It was paid in full. Its still on my credit report as not paid. I cant get it off. Loan # 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 2019-03-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I had a mortgage loan with XXXX XXXX XXXX XXXX. It was paid in full. Its still on my credit report as not paid. I cant get it off. Loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 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: MS

Complaint narrative:
XXXX XXXX XXXX is not a legit company. the phone number is fraudulent. The company / person has made a hard inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I initiated on XX/XX/XXXX a credit line increase with XXXX XXXX, which was approved THAT VERY DAY. No hard inquiries at all. ( I have had increases in the past without issues. It has always been a soft pull. ) On XX/XX/XXXX, credit line increase from XXXX XXXX is reported to the CRA and shows on my report. All is well. I am happy. 

Comes XX/XX/XXXX, the CRA reports that on XX/XX/XXXX is when the inquiry was made and XXXX XXXX requested to see my report. XX/XX/XXXX not XX/XX/XXXX. 

As I have been a victim of identity theft, I panic and contacted XXXX XXXX fraud department and a gentleman tells me that its the order of business for the company and most companies to do hard pulls for XXXX. They just sent the request to the CRA to pull my credit for something that happened 3 weeks before. 

I told him that sounds weird to me that XXXX XXXX would do a pull after the fact, 3 weeks later. I told him that was wrong and I want the hard inquiry removed. Besides, it was a mere {$500.00}, so they can take that back to and I will report to all the forums how XXXX treats its customers and customer information. 

I am very disapointed in XXXX. Anyhow, see below the alert From XXXX on XX/XX/XXXX and then on XX/XX/XXXX. The pull was made 3 weeks after the fact! 

XX/XX/XXXX alert -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Retail Inquiry XXXX obtained a copy of your XXXX  Credit Report. 
A lender has requested a copy of your Credit Report for a home retail loan. Every time you apply for credit, a 'hard inquiry ' is placed on your Credit Report and it may stay on your report for 25 months. 

Alert Details Alert Date XX/XX/XXXX Source XXXX Company XXXX Address XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX alert -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Credit Limit Increase Retail Card Congratulations! XXXX raised your credit limit to {$2100.00}. 
Credit limit is the maximum amount a borrower can draw upon or the maximum that an account can show as outstanding. An increase in your credit limit may positively impact your Credit Score. 

Alert Details Alert Date XX/XX/XXXX Source XXXX  Company XXXX Address XXXX XXXX XXXX XXXX, OH XXXX Activity Revolving Charge Accounta Previous Limit {$1600.00} New Limit {$2100.00} Is anything incorrect?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I recently created a XXXX XXXX account and I noticed a hard inquiry for SYNCB, national credit cards / Airlines. I have no idea what this is from. I have never had or applied for a credit card. Ive tried contacting everyone and no one has gotten back to me.

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 2019-03-28 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
In XXXX  of XXXX, I defaulted on my Federal Student loan. XXXX XXXX XXXX was hired by XXXX XXXX XXXX XXXX XXXX, ( XXXX  ) to collect my balance of {$13000.00}. I spoke to XXXX on XX/XX/XXXX where we agreed that I would enter into a federal rehabilitation payment program to repay my loan. He explained that I needed to email copies of my tax returns after I verbally told him what my income was for that year by reading the amount off my XXXX tax return. I further explained to him that I was making 3 other student loan repayments and would be able to pay $ XXXX  monthly. Also, I explained that I would be able to make a payment that night and he didn't take it because he wanted to get me enrolled in the rehabilitation program, which I was qualified for. He said, that $ XXXX  monthly would be around what my payment would be from learning what my gross annual salary for XXXX was. He assigned me the reference # XXXX and asked me to email my tax returns. Upon receiving my information, he would submit all the paperwork and send a confirmation via the United States mail. I emailed my income tax return as soon as I hung up with him. I received a confirmation via email that they received my documents. Please note that all conversations are recorded at their company and this one has me agreeing to enter into the rehabilitation repayment program on XX/XX/XXXX. Then on or about XX/XX/XXXX I receive a letter from XXXX XXXX XXXX with a new balance of {$16000.00}. I immediately called them & asked why? Mr. XXXX XXXX, supervisor, explained that the new balance was because of my lack to supply sufficient evidence of my taxes. Subsequently, I had no recourse with them, thus I contacted the New York State Attorney General, XXXX XXXX. I have the documents from their office which I would like to forward to your office. I have also contacted the Division of Finance in Missouri and XXXX XXXX is waiting for a response from 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 2019-03-28 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: AK

Complaint narrative:
XXXX  XXXX Payment never late Submission Failedfailed icon You have previously disputed this item. We are not required to process a duplicative dispute. If you have new or different information relevant to your dispute, you can upload the documentation here. If the information is relevant, then a new dispute will be opened. You can also contact us at XXXX or contact the data furnisher of this information regarding your dispute. 

Previously disputed and information is still posted incorrectly.I am calling XXXX XXXX at number provided and sofar been told they are not reporting this.

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 2019-03-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I had fraud on my checking account on or about spring XXXX. I finally retrieved all the info Bank of America needed and on XX/XX/XXXX I received a letter from them stating their was fraud and I was not responsible. It also stated they would let outside agencies know. 
After calling them more than 10 times, and getting " we have sent the release to XXXX XXXX. I waited 30 days as instructed. Still on XXXX XXXX list that prevents me from opening a checking account. 10 days ago another stressful call, they told me the agent that was suppose to handle it moved on and the request was returned to Bank of America for insufficient information. BOA assured me they would expedite and relay the release to XXXX XXXX. I just called XXXX XXXX and still no response from BOA.

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 2019-03-28 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: TX

Complaint narrative:
I traded in a vehicle in XX/XX/XXXX. That vehicle was paid off by the dealership in XX/XX/XXXX as Experian Evan states on the telephone yet there is a report of a negative payment in XXXX which of course is impossible seeing as how the account was paid in full in XXXX they refuse to remove the negative payment history in XX/XX/XXXX even though they know the account was paid off in XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SMI Lending, Inc.
State: TX

Complaint narrative:
false statements re govt " projected to raise it ( interest rates ) SEVERAL times in 2019 ''. The Fed has no such intentions. Also there's the suggestion of skipping payments and taking cash out of equity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I initiated on XX/XX/XXXX a credit line increase with XXXX XXXX, which was approved THAT VERY DAY. No hard inquiries at all. ( I have had increases in the past without issues. It has always been a soft pull. ) On XX/XX/XXXX, credit line increase from XXXX XXXX is reported to the CRA and shows on my report. All is well. I am happy. 

Comes XX/XX/XXXX, the CRA reports that on XX/XX/XXXX is when the inquiry was made and XXXX XXXX  requested to see my report. XX/XX/XXXX not XX/XX/XXXX. 

As I have been a victim of identity theft, I panic and contacted XXXX XXXX   fraud department and a gentleman tells me that its the order of business for the company and most companies to do hard pulls for CLI. They just sent the request to the CRA to pull my credit for something that happened 3 weeks before. 

I told him that sounds weird to me that XXXX XXXX would do a pull after the fact, 3 weeks later. I told him that was wrong and I want the hard inquiry removed. Besides, it was a mere {$500.00}, so they can take that back to and I will report to all the forums how XXXX treats its customers and customer information. 

I am very disapointed in XXXX. Anyhow, see below the alert From Experian on XX/XX/XXXX and then on XX/XX/XXXX. The pull was made 3 weeks after the fact! 

XX/XX/XXXX alert -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Retail Inquiry XXXX/XXXX  obtained a copy of your EXPERIAN Credit Report. 
A lender has requested a copy of your Credit Report for a home retail loan. Every time you apply for credit, a 'hard inquiry ' is placed on your Credit Report and it may stay on your report for 25 months. 

Alert Details Alert Date XX/XX/XXXX Source EXPERIAN Company XXXX/XXXX Address XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX alert -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Credit Limit Increase Retail Card Congratulations! XXXX/XXXX raised your credit limit to {$2100.00}. 
Credit limit is the maximum amount a borrower can draw upon or the maximum that an account can show as outstanding. An increase in your credit limit may positively impact your Credit Score. 

Alert Details Alert Date XX/XX/XXXX Source EXPERIAN Company XXXX/XXXX Address XXXX XXXX XXXX XXXX, OH XXXX Activity Revolving Charge Accounta Previous Limit {$1600.00} New Limit {$2100.00} Is anything incorrect?

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 2019-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
My Western Union account was compromised on XX/XX/2019 for {$820.00}. The company is refusing to refund my {$820.00} when I did not authorize this charge. They are refusing to go after the individual who picked up the money who I do not know. I believe one of western union employees went into my account and used it to send money overseas. I know they were reported to the FTC due to scam and fraud issues last year and yet they continue to allow these things to occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have done substantial amount of work on my financials and my credit, though not yet perfect has improved considerably. 

Last month all collections account dropped. Only one credit card had a high credit usage ( 66 % ), everything else <12 %. My overall usage was 13 %. All payments made on time for at least 1.3 years. According to what I see in Experian, I am doing just great and my score was XXXX for 3 months. 

This month, I decided to drop my debts even more to boost the score. That 66 % usage card dropped to 49 %. The other cars <9 %. My overall utilization 10 %. 

All else remaining the same, I was surprised to see my score stayed at XXXX!!! 

With the same identical information, XXXX  and XXXX increased a couple of points, which surprised me but at least its a movement. However Experian 3 months, not budging. 

It use to be in the past that the slightes such change would reflect greatly in the scoring, nowadays, I think Experian and other CRAs are pushing people to migrate from Fico 8 to Fico 9 by keeping things desperately stagnant. Maybe Fico is the problem and not the CRAs. I just feel as a consumer that I am not getting the credit due and my hard work to improve my credit is pointless. FICO and the CRAs want to be more and more invasive. 

To add insult to injury, todat I received an alert that I had a hard inquiry. The Experian FICO dropped 1 point!!!!. 

It increase 0 points for what it called a substantial drop in utilization from 66 % to 49 %, or for all the other balances decreasing, or for the collection account falling off. But it budged down 1 point for a hard inquiry. 

So what does that mean? 

There is a lack of transparency and it should be looked at. I am ready to shop a lawyer and sue because I do not get this at all. I worked so very hard, paid down so many debts. 

This scoring system has become a farce that is not to the consumer 's benefit.

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 2019-03-28 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I pay a monthly fee for Equifax score watch consumer product however Equifax fails to update my credit score I paid several account off in the past 45 days Equifax report shows that the account balances did drcrrase however my credit score has remained the same the other consumer reporting agencies has received the same information as Equifax and my credit score with them has increased over 100 points in addition one creditor has advised me that they were unsuccessful even trying to pull my credit from Equifax because it comes back with no score

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: MA

Complaint narrative:
Over the last several years we have had difficulties with Selene Finance mortgage company. It started several years ago when we missed a few payment due to unforseen, mainly some huge medical bills and other circumstances. At that time we tried to work things out with them to modify the loan. They told us in order to modify we had to be six months behind in payments. They advised us to not pay for six months and then we would be able to modify/refinance and pick up with payments at that time. We stupidly believed them, used our income to pay huge medical bills and waited to modify with them. Instead, they began the foreclosure process on our home. We ended up having to file bankruptcy due to this and due to an XXXX XXXX XXXX XXXX error on tax returns that had us owing thousands back. Then, over the course of the next five years, Selene would continue to tell us that we were behind in our mortgage when we knew we were not. Selene has admitted on several occasions that they " lost '' or " forgot to apply '' several payments that we had made to them. We pulled all our bank records several times for evidence and when we proved we had made the payments, they suddenly " found '' them and were " not sure why they were not applied ''. This happened again in the past month. The sent a bill stating there was an overdue amount. We asked them to send us a record of payments and it was clear from the record that they had received all payments. After they looked they discovered they had not been applied. This has happened several times, has effected our credit, has effected our bankruptcy case and has causes an extraordinary amount of stress in an already stressed out home with a child with a severe XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JH Portfolio Debt Equities, LLC
State: TX

Complaint narrative:
On XX/XX/2019 a letter was sent to me from XXXX XXXX XXXX regarding a debt that is owed to XXXX XXXX/ XXXX XXXX XXXX, XXXX. I proceeded to contact XXXX XXXX through the mail for the second time that this debt was not mine. They did not respond with the information I requested. On XX/XX/XXXX I then received a pre-approved letter from XXXX XXXX indicating I was pre-approved for a {$2000.00} credit line for their XXXX Platinum credit card. My concern is that if the debt they claimed I owed was mine I would not be eligible to be approved for a credit line through the same company claiming I owe them. I want the account mentioned in the letter sent on XX/XX/2019 removed from my credit report immediately.

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