vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-04 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:
These inquires were just posted to my credit report. I contacted XXXX XXXX for a auto loan and the XXXX dealer took my information from that credit report and submitted a deal to like 30 banks. These inquiries I did not authorize. 

XXXX Inquires Inquiry details XXXX Inquiry from XX/XX/2018 Finance XXXX XXXX Inquiry from XX/XX/2018 Credit Union XXXX Inquiry from XX/XX/2018 Finance XXXX XXXX XXXX  Inquiry from XX/XX/2018 National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/2018 Automotive XXXX XXXX Inquiry from XX/XX/2018 Finance XXXX XXXX Inquiry from XX/XX/2018 Bank These are the Equifax Inquiries Inquiry details XXXX XXXXXXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 All Banks XXXX XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2018 Auto XXXX XXXX XXXX  XXXX Inquiry from XX/XX/2018 All Banks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I do not have any children not sure why the credit bureaus will not remove child support from my credit report ; Illinios Child Support # : XXXX is reporting invalidly and I would like it removed as soon as possible. Not only do I not have any children to my knowledge child support isn't a contractual debt of goods, services or monetary value so why would it be reported to bureaus anyway? Every bureau removed it except for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I do not have any children not sure why the credit bureaus will not remove child support from my credit report ; Illinios Child Support # : XXXX is reporting invalidly and I would like it removed as soon as possible. Not only do I not have any children to my knowledge child support isn't a contractual debt of goods, services or monetary value so why would it be reported to bureaus anyway? Every bureau removed it except for Experian

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 2018-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
The original creditor was notified of my activation under military order and exercising of protections under the SCRA. Immediately following the creditor charged of the account and sent it to this collection company. I notified the company that I was protected from such adverse actions under the SCRA and they said they would call my commander and make and garnish my military pay. Every action taken by the original creditor and this company is a violation of my protected rights under the SCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Experian claim that they verify a bankruptcy on my report. they did not i sent multiple letters and you guys didn't tell me where you received the information from like i ask you just sent back verified. I also called and spoke with someone and i ask the same question where did you received the information from and the lady told me they went down to the courts to get the info which was a lie. my next step is to file a court proceeding on this and sue you guys for false information if this is not removed from my credit report in the next 30 days.

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 2018-10-04 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: NC

Complaint narrative:
Transunion repeating putting wrong employer information on credit report. Information keeps reappearing.

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 2018-10-04 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: AZ

Complaint narrative:
There is a Hard inquiry on Equifax from a company called XXXX. Have not applied for any type of credit for over a year and a half. Did not authorize nor consent to said inquiries of any type. Equifax does not even have correct data of my credit history! 
Have tried to contact them with zero return emails or phone calls. 
Equifax is a joke for a credit reporting agency and should be put out of Business.

Tired of the misreporting and lack of caring by said agency!

Reporting loans never had, balances never owed. 
Tell XXXX they have to stop random inquiries to this consumer before I go postal on them! 
XXXX has no right to my reports without consent and will be sued for harming and continuing to harm my credit with XXXX inquiries! No I am not Politically Correct. Plus want to no why these agencies have access to my Social Security Number in the First Place as SSN 's are not to be used for Identification except for the Federal Government?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/2018 I opened up a XXXX XXXX XXXX card because the associate said I would get 25 % off purchases made that day and the next day. I was looking for a disclosure about the 25 % ( because I thought it was 20 % ) and the associate said they didnt have any updated ones so I never got one. I just received my first statement in which the balance is {$1000.00} ( my actual balance is {$1100.00} because I purchased items online that night, so the complaint is for the full amount of {$1100.00} ). When looking at my purchases, I did not receive the 25 % off of everything like I was told. I called customer service and they told me the 25 % off was up to {$100.00}. I was never told this and would not have opened the card. The customer service rep transferred me to a manager at the water tower XXXX in XXXX where I opened the card and she told me she was going to contact the manager of the associate and call me back, but I still havent received a call back.

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 2018-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Endpoint Resolution Services (ERS)
State: NH

Complaint narrative:
I asked Endpoint Resolution XXXX to please stop calling and they continued, they called continually. They told my brother and daughter about the debt owed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX

Complaint narrative:
In addition to a complaint already filed, # XXXX ... .we have noticed and retain proof of paying {$300.00} before the 30 day mark. The company has not accepted the payment and by XX/XX/2018 the payment has not been ACH debit from our account as it has for the last 16 months. We are paying the loan off with Prestige Financial and will record and track each step of this transaction. We would like them to respond as soon as possible with payoff instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Northeast Recovery Solutions, LLC
State: NM

Complaint narrative:
A representative from Northeast Resolutions has repeatedly called myself and my family members. They ask my family members to call XXXX and say that this is an urgent message - during the call, they intimidate my family members, use incorrect information, and have called my family members multiple times over the past few days. The representative has called me numerous times and left intimidating messages threatening to come to my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TIDEWATER FINANCE COMPANY, INC.
State: AL

Complaint narrative:
I bought a car while I was in the process of filing chapter XXXX bankruptcy in XXXX. I finance the car through Tidewater Finance Company. It was a XXXX XXXX XXXX. Because my chapter XXXX had not been completed and discharged when i purchased the car, it was also included in the bankruptcy. I fell on hard times in XXXX and the car was voluntarily repossessed because the motor went out and I did not have the money to repair it. Even though it was included in the bankruptcy, they still continue to come after me and will not remove it from my credit report. This is not right. They resold the car and got there money. I want this permanently deleted off my credit report please.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Advance America, Cash Advance Centers, Inc.
State: OH

Complaint narrative:
I never applied for this loan and it is fraud. I have filed court order but did not press charges. I do not understand how the loans are stated but this is not week to take dime out of my account. Multiple loans came out of my account for years. XXXX isnt my email.. or whatever it is.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: VA

Complaint narrative:
In XX/XX/XXXX I went for annual physical at XXXX XXXX XXXX XXXX XXXX and was told that my insurance would cover the physical which has every prior and every since. When I went to this 'doctor ' it was obvious from the start that it was shame, I've never had a physical like the one I had at this place. I'm pretty sure the person who saw me wasn't a trained medical professional. A couple years after my physical I was sent a bill for {$480.00} and at that time I wrote saying I wasn't paying because they didn't provide the service they were supposed and I was told insurance would cover the cost. A few more years went by and they got COMMONWEALTH FINANCIAL calling me nonstop from a variety of numbers. The charge and service was fraudulent to begin with and now I have these guys calling me nonstop throughout the day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: DE

Complaint narrative:
I have tried on a number of times in person and via phone to contact this company. Tonight at XXXXXXXX XXXX I receive a call from the XXXX from Rushmore saying that I am late in my payment. NO I am not late. The due date is XX/XX/2018 which has a grace period of 15 days. Thus I am not late. This is called harassment. The woman 's name was XXXX and her number was XXXX XXXX XXXX. She called me for no reason except to harass me. 

I am not late in my payment. I have also paid my taxes on the house which they told me they would incorporate but they lied. I met in person with a woman Rushmore. I sent her emails and I called her. She did not have the decency to call me back or acknowledge me. Rushmore is a corrupt company and they lie. 

I have asked for a reduction in my balance because it does not make sense that after 12 years of payments to various companies I still owe XXXX. Not only they have no right to call me when I am not even late in my payment but they should tell me that after paying my county taxes why my mortgage is still high more than 600 dollars every month. This company which is represented in the US is actually in the XXXX. Who knows who their so called investors are.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Go Capital Holdings, LLC
State: AL

Complaint narrative:
Go Financial financed a XXXX XXXX for me in XXXX. In XXXX I fell behind on payments and when I tried to call and pay they told me the vehicle had already been charged off. I did not pay on the car for two years and then one day they came and got it and sold the vehicle. Go Financial then went on my credit report and changed the status from charged off to " In repossession ''. I want this removed off of my credit report due to erronous reporting and them already collecting money for the car in their charge off insurance and selling the car again.

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 2018-10-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
I foreclosed on my FHA home loan in 2012. I was not approved for the harp refinance program. Although, citimortgage received government funding to assist struggling home owners. I should have qualified but they made it difficult for struggling homeowner to get assistance. 

I reached out several time and filed a complaint. Then, I received a letter requesting document to be signed and returned within two weeks. The letter had a contact number listed to call for questions and information regarding the documents. I have called the number several times and have not been able to get assistance with these document they are requesting. I have spoke with several Citimortgage employees who are unable to assist me with these document and the department they came from will not answer the phone or return my calls. 

This is an example of how citimortgage makes it difficult to refinance and get assistance with document they are requesting.

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 2018-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.

Complaint narrative:
I discovered on XX/XX/2018 that my Citibank checking account is blocked. I am unable to use my debit card at ATM or make a ACH transfer of the funds. I called Citibank customer service as well as Citibank fraud prevention departments where I was notified that my account is " on hold '' for the reason they are not allowed to discuss. I called again later and talked to XXXX from Citibank XXXX in TX. I underwent a scrutinized quest by XXXX that included some phone numbers that I have abandoned 10-15 years ago. I was given 1-2 seconds to think to recall this numbers, like I have to remember them after abandoning years ago. After that quest XXXX stated that I failed to pass their security check and he is no longer able to discuss any matters related to my account. Later I called Citibank additional time and again was not able to get any meaningful instructions on how to unblock the account. At this point Citibank advises me to visit their local office in XXXX XXXX, CT, where I opened the account, to resolve the issue. I explained to the Citibank representatives that I am a USA citizen living abroad in XXXX, XXXX and I am not able to visit any Citibank branch in the USA at the moment. Citibank should provide a clear and meaningful instructions on how to unblock my account, so I have an access to the funds. Visiting Citibank US branch is not reasonable since I reside in XXXX. Citibank has a local branch in XXXX, XXXX where I reside, so if Citibank will call that branch to setup an appointment that will resolve the issue. I expect US Citibank fraud prevention department to set up an appointment at the Citibank local branch in XXXX, XXXX for my visit to take the necessary steps to unblock my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: STERLING JEWELERS, INC.
State: MA

Complaint narrative:
The original creditor was notified of my activation under military order and exercising of protections under the SCRA. Immediately following the creditor charged of the account and sent it to this collection company. I notified the company that I was protected from such adverse actions under the SCRA and they said they would call my commander and make and garnish my military pay. Every action taken by the original creditor and this company is a violation of my protected rights under the SCRA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
The original creditor was notified of my activation under military order and exercising of protections under the SCRA. Immediately following the creditor charged off the account. I notified the company that I was protected from such adverse actions under the SCRA and they said they would call my commander and make and garnish my military pay. Every action taken by the original creditor is a violation of my protected rights under the SCRA.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I sent a letter to Equifax requesting that send me information that proved the verified the Public Record reporting on my account, and the account XXXX these items are reporting negatively on my report and affecting my credit score. I sent them two letters and they sent back verified for the public record, however they stated they obtained from local, state and federal courts through a third party vendor XXXX. 
I have a letter from XXXX where I opt out of the program and a letter from the court that states that do not report to the credit bureau. They have failed to provide me with a valid resource, person of contact, or agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I recently found out that someone has been using my SS and personal Identification to open up accounts and lines of credit without my knowledge. I found several addresses and phone number that are not mine listed on my credit report. I have file a ID theft report with Trans Union already this is a follow up report for the local authorities. The following account are fraud : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. There is a unauthorized Inquiry on mine report from XXXX never applied for any account for business. The following addresses I do not live at and are not mine : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX OH XXXX XXXX EYANT, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I am requesting FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 days from all three credit bureaus.

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