vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I was part of both company data breaches when XXXX  system was compromised and this past year I was notified via email of the issue. I went from having 12 Inquiries that I have valid accounts for to 49 and some are done in the same day multiple times and some in the span of 3 days. I have not done the 49 inquiries. I called Equifax multiple times for help to rectify the situation and to no avail I am still in the same spot, they told me to call each creditor which I attempted to do with 5 of them but i have the same result they have no knowledge or information showing I applied and to call Equifiax back this has been on going and it just seems as if Equifax does not want to help when their system compromised my information. I have provided the inquiries below and before they send a definition of what a hard inquire is I know very well a factual record but its not factual if somebody is using your information. So I have a Security freeze on my reports now.

Below are the following inquiries : XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Southwest Business Corporation
State: TN

Complaint narrative:
I bought my home in XX/XX/XXXX I used the VA Home loan and I am a XXXX   veteran. I have made all my payments on time the entire time I have owned my home. In XX/XX/XXXX, my house payment was kicked back to my account. Unbeknownst to me, SWBC changed the payment portal website and did not notify me in any way. When I called to find out why my payment was sent back to my account, they told me that they have a new payment portal and to use this website from now on. So by the time my payment was processed again it processed on the 31st day so it was late. I paid XX/XX/XXXX and XX/XX/XXXX payment together and I was told I was current and up to date.

I go to purchase another home utilizing a different company and on my credit report it showed XX/XX/XXXX was late. When I go to dispute it, it was taken off and then moved to XX/XX/XXXX on my credit report. SWBC refuses to write any type of letter saying that my account is in good standing and current when it is. I have nothing late and the one payment that was late would not have been had it been processed the first time and I was notified of the payment portal change. I feel like they are hindering me of a purchasing a new home with a different 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 2018-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Greetings, I send several letters with regards to getting information regarding the status my accounts. 
Navient did not response to any of my documents send to them certified mail with return receipt received by Navient on XX/XX/2018. I forwarded all my information to the 3 credit bureaus as well. 

In addition to my letter, Navient reported inaccurate information on my credit report soon after I ask for current status regarding the account ( s ) open in question.

Never received a bill, late payment notice of 30 or 60 days etc ... Just 1 letter was send by Navient after I send my request for validation of accounts did they threaten to report delinquency on my credit report. 
Please see all documents uploaded on this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I disputed inaccurate reporting from Equifax previously. A collection is reporting that I am positive is not mine. They claim to have investigated and said the information is accurate. I have a different account that has been paid in full over 45 days ago. This account has always been in good standing and just has not updated the {$0.00} balance through Equifax. I disputed the reporting balance of {$4300.00} and AGAIN was told this information was accurate. I can easily prove the balance is NOT accurate. My point is this ... ..Equifax did NOT investigate either one of these disputes. This is a violation of the FCRA. This illegal activity must be stopped. The impact their reporting has is huge and that responsibility must be not be taken lightly. No excuse for violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19 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: BANCO POPULAR DE PUERTO RICO
State: NJ

Complaint narrative:
i tried to fix this with the bank and now for the second time they keep reporting wrong information to XXXX credit report. this mortgage went to foreclosed in XX/XX/XXXX and it was removed from my credit inXX/XX/XXXX. why is the bank still reporting this mortgage under my name. i went to puerto rico in XX/XX/XXXX and they were other people living in this house. this bank is a fraud and has a good reputation of doing dirty management like this. please help.

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 2018-05-19 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: NJ

Complaint narrative:
i tried to fix this with the bank and now for the second time they keep reporting wrong information to Transunion credit report. this mortgage went to foreclosed in XX/XX/XXXX and it was removed from my credit in XX/XX/XXXX. why is the bank still reporting this mortgage under my name. i went to puerto rico in XX/XX/XXXX and they were other people living in this house. this bank is a fraud and has a good reputation of  doing dirty management like this. please help.

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 2018-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
I recently subscribed to credit monitoring through XXXX and noticed a collection account that I have no knowledge of. I mailed a 2nd debt validation letter by certified mail on XX/XX/XXXX to the collection agency listed on my credit report, United Revenue Corp, for proof of the debt, what it is for, anything with my signature on it, etc. The company sent me a one page response saying my debt is valid per their investigation but did not send any form of proof that the debt is mine, that they have anything with my signature on it, etc. I have no knowledge of this debt and it does not belong to me. The original creditor is XXXX XXXXXXXX XXXX and by doing a basic XXXX search, its a chain of hospitals in the XXXX, TX area. The letter states that I was seen in an emergency room on XX/XX/2016. I have not been to the doctors or any hospital in the XXXX area. I requested that the debt be removed from my credit report due to fraud and the fact that proof of the debt can not or will not be provided to me, the consumer who is suffering from a negative account which does not belong to me being hit on my credit report every month.

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 2018-05-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I HAVE A WALMART CREDIT CARD WITH XXXX   INSURANCE. I SUBMITTED A CLAIM USING MY PERSONAL MEDICAL INFORMATION XX/XX/XXXX. MY DOCTOR WANTED TO CHARGE A FEE THAT I CAN '' T AFFORD DUE TO MASSIVE MEDICAL BILLS. THE PERSONAL MEDICAL INFORMATION SUBMITTED CONTAINED ALL PERTINENT DATES OF MY XXXX. CARD SECURITY ( XXXX INS. ) CLAIMED MY CLAIM WAS INCOMPLETE BECAUSE THEY NEEDED A DATE FOR RETURNING TO NORMAL ACTIVITIES. MY XXXX IS ON-GOING. I HAVE XXXX XXXX AND I AM STARTING XXXX XX/XX/XXXX. THE QUALIFICATIONS FOR FOR THE CLAIM IS : XXXX  THAT LASTS MORE THAN 90 DAYS. TO FILE WITHIN A YEAR OF DIAGNOSIS, TO BE UNDER A DOCTORS CARE. 
THEY HAVE NOT PAID MY DEBT CANCELLATION INSURANCE INSURANCE AND I KNOW THAT I QUALIFY. I HAVE NOT HEARD FROM ANYONE SINCE THE CLAIM WAS SUBMITTED.

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 2018-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Experian reporting and allowing unauthorized inquiries on my report. They wont provide written documentation as to the nature of the inquiries. Someone has my social security number attempting to get credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: The J. G. Wentworth Company
State: AL

Complaint narrative:
I applied with jg wentworth for a mortgage. I did the loan application and sent in all of my information including my eligibility certification from va. I also had to pay {$450.00} for a va inspection on the house. I received an email saying that i was approved for the loan for the house. A week before closing the loan officer ask for additional information i sent to them. After i sent this information i didn't here from them any more until i called the area manager and explain to him that i was four days away from closing no one heard anything else from them. He managed to get in contact with the supervisor. On monday XX/XX/XXXX i was still waiting to here from them. I finally heard from them and about XXXX i was told that they could not use one of my income. They knew all of my income information in XXXX when i did the loan application and for them to wait until 18 hours before i closed on my house and denie the loan was unprofessional and not right. I had to go and cancel a refrigerator and also look for somewhere else to live because i had giving up my rental home to move to this location. The loan officer was very unprofessional with my realtor and the builder realtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
By law, the credit bureaus are to have the original contracts as verification of a debt before placing them into my credit report. I have tried to contact the following companies and the credit bureaus to show proof of the original contract and they all have failed to do so. By law, if the credit bureaus and debt collecting companies fail to hold the original contracts or proof that they verified the debt with the original contracts before placing them onto my credit report, they must delete the debts from my credit report. 

After requesting my credit report in order to fix my credit while I am currently unemployed and going to school full time, I have contacted the following debt collecting agencies in order to correct the errors that I found. 

XXXX XXXX XXXX , XXXX. 
I sent them a correspondence on XX/XX/XXXX to VALIDATE the debt.

The only correspondence I received from them was a Pre-legal notification on XX/XX/XXXX. They have yet to send me anything that I requested from them per the Fair Debt Collections Practices Act, as well as the they have not indicated to the bureaus, Transunion and XXXX, that the account in question is under dispute and is to be removed or cease from reporting the information until full validation has been completed. 

XXXX XXXX XXXX XXXX I sent a correspondence to them on XX/XX/XXXX to also the debt in question.

They responded XX/XX/XXXX with a final bill statement which under the Fair Debt Collections Practices Act is NOT validation of a debt. They failed to remove or cease from reporting the information until full validation has been completed which they still have not shown proof of the original contract, per the FDCPA. 
They sent another correspondence on XX/XX/XXXX stating that theyve returned the account back to XXXX XXXX XXXX XXXX but still has failed to remove their information from my credit report. 

XXXX XXXX XXXXXXXX XXXX I sent a correspondence on XX/XX/XXXX to also validate the debt. 
Their correspondence on XX/XX/XXXX was simply another billing statement, they have failed to provide any proof or original contract of the debt in question and have not removed or cease their reporting onto my credit. 

I hope this helps in any way to stop fraud and to stop these companies from doing thing illegally as they are not following the law on their actions. Thank you for your time.

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 2018-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CBV Collection Services Ltd.
State: CA

Complaint narrative:
I was contacted by mail by XXXX XXXX for a debt that is not mine, this account was established at XXXX XXXX  XXXX XXXX XXXX Ca. The debt was originated in 2008, meanwhile this company has been selling this debt to collection companies, the debt sits on my credit profile and I want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: CO

Complaint narrative:
I went to the er back in XX/XX/2013 and had medical treatment done.I didnt have insurance at the time, but got insurance two months later.The treatment was done at XXXX XXXX, in XXXX colorado.I checked my credit score and noticed i had a XXXX bill in collections from aargon collection agency.Since 2013 i have not received or been notified by either the hospital or the collection agency.Or had the opportunity to try and pay the debt.My insurance was willing to retroactively go back and pay it..but being that they havent tried to contact me for 5years my insurance wouldnt.

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 2018-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


I demand the following accounts be verified or removed immediately. 

XXXX XX/XX/XXXX XXXX via XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX, XX/XX/XXXX There is no reason for these inquiries to be on my report, I have not supplied my ssn for a job, neither a court judgment, no child support cases etc. I have credit monitoring through XXXX and it shows that my information was compromised on the dark web. I would appreciate your help in getting these unrecognized, unauthorized inquiries and fraudulent inquiries off of my 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 2018-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been disputing this incorrect debt for months and, the verification of this debt has been malicious and false, I have been contacted by XXXX XXXX, they sent documents of the debt trying to verify this debt is mine, and the documents they sent has no signature and I want them to provide my signature verifying the debt is mine,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19 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: TX

Complaint narrative:
On my Equifax Credit Report, XXXX XXXX is showing twice for the same account. The dollar amounts are {$1.00} off. I have been in contact with XXXX XXXX AND Equifax for over a year. XXXX XXXX showed me proof they have only ONE account for me. I sent this information to Equifax and since XX/XX/2017 all they do is send me a letter saying it's verified. It's not getting corrected. I want the account that is showing in the amount of {$830.00} to be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: IL

Complaint narrative:
For the last couple years this company submitted claims to credit companies, and it has been removed because it doesn't not belong to me and i have no knowledge of this. My credit report has lost major points for something that doesn't belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I had two accounts with Barclay US, a Barclays Choice card. Over several years, they raised my limit until the Barclay card had a {$10000.00} limit. Several months ago, my total owed was about {$4500.00} and they suddenly lowered the limit to {$500.00} above the current limit. I then refinanced my home and consolidated bills and the first one I paid was Barclay, at {$4300.00}. That was the total balance listed. When I checked the website today, to my shock i saw a balance of {$84.00}! They charged me that amount in interest AFTER I paid the total amount owed! Is this legal? I know it isn't moral. 

In addition they gave me a new limit ... ..of {$500.00}. I never had a late payment on this or any other card in almost ten years. Instead of thanking me for not being a person who does not pay bills but instead insults me and charges interest on a ghost balance.

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 monetary relief
Consumer complaint received 2018-05-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I signed up for a Bank of America " Travel Rewards '' card which pays " credits '' for each purchase made on the card. " Credits '' are then redeemable for cash rewards as reimburse for travel expenses. Bank of America provides a list of travel activities which qualify as a reimbursable expenses. Among those qualifying travel activities is airport parking. This list of qualifying travel activities is provided to the credit card customer at the time the credit card is issued, and represents a contract between the customer and the credit card issuer regarding use of the card. Even though Bank of America lists airport parking as one of the qualifying travel expenses for which I may claim cash reimbursement, they have refused to honor the terms of the agreement. When I brought this before Bank of America customer service, they responded that some airport parking vendors are " coded '' one way, while other airport parking vendors are coded another way IN THEIR SYSTEM. This coding would be unknown to a card holder, who simply relies on the Bank of America assurance that airport parking is a reimbursable expense. It is a FRAUD and a DECEPTIVE PRACTICE by Bank of America upon consumers who agreed to use Bank of America credit cards with expectation of the bank abiding by the written terms provided to them by the bank.

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