vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-27 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: GA

Complaint narrative:
Hard Inquires on my credit report that shouldn't be there XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2018-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Tried to get a new car loan only to find out we had been denied because of a Identity fraud that I and my husband never requested.We had a previous bankruptcy however our credit scores were good enough for a reasonable loan. I was able to get XXXX to remove it I hope. However XXXX and Equifax I haven't been able to contact.Want it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 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:
XXXX XXXX XXXX HAS DONE A WONDERFUL JOB SO FAR IN UPDATING MY CREDIT REPORT EACH MONTH ON MY PAYMENTS BUT RECENTLY I LOOKED AT MY CREDIT REPORT BACK IN XX/XX/XXXX AND I AM STILL MISSING SOME PAYMENTS ON MY ACCOUNT. I CALLED IN AND TALK TO REPRESENTIVE ABOUT IT AND I FELT I WAS GETTING THE RUN AROUND AND THE LAST TIME I DISPUTE ON LINE WITH THE CREDIT BUREAU MY CREDIT REPORT DIDNT GET UPDATE D CORRECTLY. SO I WANT TO MAKE SURE ALL OF MY PAYMENTS THAT I HAVE MADE ARE SEEN ON MY CREDIT REPORT. THE ISSUE I AM HAVING IS WITH MY EQUAFAX CREDIT REPORT. MY XXXX AND MY XXXX XXXX CREDIT REPORTS ARE UPDATED CORRECTLY. I HAVE ENCLOSED A COPY OF MY STUDENT LOAN ACCOUNT THAT SHOWS MY PAYMENT HISTORY AND MY CREDIT REPORT. THE DATES THAT ARE IN QUESTION ARE AS FOLLOW IN XX/XX/XXXX AND XX/XX/XXXX.  I MADE A PAYMENT FOR THOSE MONTHS AND ON MY CREDIT REPORT IT SHOWS A NR FOR NO REPORTING OR NO PAYMENT. THAT INCORRECT, THAT NEEDS TO BE UPDATED CORRECTLY AS SHOWING PAID AS AGREE FOR THOSE MONTHS .SECOND MY CREDIT REPORT ON THE MONTHS ON MY EARLIER DISPUTE WAS NEVER UPDATED ON MY EQUAFAX CREDIT REPORT. I AWHILE AGO I WAS WONDERING WHY WOULD THERE BE SHOWING A NR FOR NO REPORTING ON MY EQUAFAX CREDIT REPORT BUT THOSE MONTH I HAVE MADE A PAYMENT. I MADE A PAYMENT ON THE MONTH IN QUESTION XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX WHICH SHOWS A NR ON MY CREDIT REPORT ON MY  PAYMENT HISTORY WHICH NEEDS TO BE UPDATED SHOWING PAYED AS AGREED, SO I AM MISSING 8 MONTHS OF PAYMENTS ON THIS ACCOUNT ON MY PAYMENT HISTORY. SECOND ON THE ACCOUNT XXXX XXXX XXXX I WAS LATE ON XX/XX/XXXX WHEN WOULD THIS COME OFF MY CREDIT REPORT TO PUSH THIS ACCOUNT INTO POSITIVE ONE ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I called about unknown hard inquiries on my credit report cause I was a victim of there inquiry issue they had a couple months ago. When I spoke to customer service he said I was not a victim and he could not take them off my report. These are the unknown items that are listed XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and 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 2018-02-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I took out a loan with this company on XX/XX/XXXX for {$3300.00}. I paid my payment on time for several months. I then hit a financial hardship due to a health condition ( that is still on going ). I tried to contact the company for several months to set up a payment plan and they would not respond. Finally I got through to them and this is their response : " Date Arrangement is set up : XX/XX/XXXX Thank you for contacting us to set up a payment arrangement for your loan #  LOANNUMBER which has been accelerated. Our records indicate you have a past due balance of {$9500.00}. This payment arrangement will replace any existing installments or scheduled arrangements outlined in your original contract if adhered to and can not be changed or canceled. The plan we have setup is detailed below. 
{$120.00} due on XX/XX/XXXX via DC and $ 125 monthly through XX/XX/XXXX. '' I did some research and was shocked that they are charging me {$6200.00} in interest. If I could have afforded this amount, I would have paid it much sooner. 

They are scam artists who play on individuals. Payday loan lenders are " sharks '' and I made the mistake of going with this company. They just keep taking advantage of the consumer even when their is a true hardship. They do not care. 

I agreed because I did not know what else to do. Since I have researched I need help in getting the finance charges removed. I own the debt but can not afford all that interest.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have recently pulled my Experian credit report and notice accounts that have been investigated and deleted by another credit bureau still being reported by Experian. Attached to this complaint is proof that these accounts were deleted. Please follow suite and delete these accounts for accurate reporting. I am asking they just be deleted to show my true credit history. XXXX has removed all accounts associated with XXXX XXXX. These collection agencies were reporting the following accounts from the following original creditors : XXXX XXXX acct # XXXX XXXX Creditor

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 2018-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
I have a mortgage account with Cooper formerly known as XXXX XXXX XXXX., XXXX , Texas . My account number is XXXX. The company should remove the PMI under Automatic Termination clause as per Home Owner 's Protection Act of 1998. On XX/XX/XXXX when I mentioned them I reached 78 % LTV, they did not automatically terminate my PMI of {$77.00} every month. My amount of finance under modification in XX/XX/XXXX was less than the original amount financed but still same XXXX dollars was colected as PMI. On XX/XX/XXXX they wrote a letter enclosed herewith that I did not reach and the date of automatic termination is XX/XX/XXXX. Again on XX/XX/XXXX they wrote they mistakenly calculated the LTV and informed that XX/XX/XXXX is the date for removal of PMI under Automatic Termination when the LTV reaches 78 %. Now my LTV is almost 70.007 %. Still they are collecting PMI. They are fully aware that my loan was modified with XXXX XXXX XXXX XXXX, in XX/XX/XXXX and they did write these letters in XX/XX/XXXX. Still they are collecting PMI? I want CFPB to publish this and get my grevience redressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I had a BEST BUY/CBNA credit card back in XX/XX/XXXX and XX/XX/XXXX also XX/XX/XXXX and XX/XX/XXXX I had late payments this was awesome my first winter of having a XXXX job so I was unprepared for the low amount of unemployment I was going to get and the amount of bills that I had in XX/XX/XXXX I paid in full and closed this 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 2018-02-27 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:
My husband had a credit card with XXXX XXXX XXXX. He stopped paying his bill and the credit card company then reported negatively on my credit report. I called them on XX/XX/XXXX and was informed by them that this debt is a marital debt. They told me they can report this on my credit negatively if they so please and they do and they are doing just that. This was not my credit card. I never signed/applied for this credit card and they should not have had my social security number. 
According to my soon to be ex-husband, I was only an authorized user. He had to have given them my SSN. He has done a lot of things to create financial hardship for me since he filed for divorce and did not tell me until 4 months later ( 18 days before court ). 
My house is in foreclosure ( because he stopped paying the mortgage ) and he has stopped paying the time share also. 
I filed a dispute with Equifax approximately XX/XX/XXXX. 

FYI : XXXX is my husbands nickname.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: National Judgment Recovery Center, L.P.
State: TX

Complaint narrative:
I went to my bank and they told me that my account was frozen and gave me the number to NATIONAL JUDGEMENT RECOVERY CENTER A  COLLECTION AGENCY XXXX. 
I called them and they just ignore me and they won't return my call. I don't owe this agency any money and have not had any debt in over 18 years. I WAS NEVER SERVED ANY TYPE OF PAPERS, I WAS NOT CONTACTED. I CALLED THE COURTS AND THEY DON'T HAVE ANY JUDGMENTS ON ME.I don't know why my bank, XXXX would allow them to freeze my account. 
PLEASE HELP ME THIS IS SO WRONG THIS IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICE ACT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 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: IL

Complaint narrative:
I have been disputing these accounts since XX/XX/XXXX. On my Experian Credit Report I sent letter certified mail requesting documents in bearing my signature & all other documents pertaining to these accounts, and if not provided they must be removed from my report. They replied saying they would not reinvestigate the accounts. I asked for whatever documents they considered verifiable to be sent to me since it is my right to see these documents & know exactly how they were validated. They failed to do so, they didnt even attempt to simply stating they wouldnt reinvestigate the items that i have been disputing since XX/XX/XXXX. Certified letter was sent around XX/XX/XXXX The items Im referring to are : XXXX XXXX XXXX- this account has been deleted from XXXX & XXXX . 

XXXX XXXX XXXX- Account XXXX & XXXX, both of these were removed in XX/XX/XXXX & reinserted in XX/XX/XXXX, without being notifified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- this  account is over 10 years old and has been removed by the other two reporting agencies XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-27 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: IL

Complaint narrative:
Experian and XXXX are continuing to report a collection item the collection agency has discontinued reporting to them. See included documentation ...

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 2018-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
FYI - THIS COMPLAINT IS SEPARATE & DIFFERENT FROM THE PREVIOUS COMPLAINT TODAY.., SO THERE IS NO EXTENSION OF TIME TO INVESTIGATE. THE CLAIM OF SUCH WILL PROVE TO BE A BLATANT VIOLATION OF FRCA RULES ... 

Equifax RE : # XXXX, states a fraud alert was added to my file that I NEVER requested. This violates the FCRA and my rights ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I owe a fairly large amount of money to Navient but there aren't any issues with repayment, nor has there been an attempt to renegotiate any existing repayment options. Out of the blue today I've received a phone call from a " XXXX XXXX '' to inform me about the changes about to take effect and to call back to discuss renegotiating my repayment plan. 
Obviously this seems to be a scam and googling the number shows that " XXXX '' has been very active over the past few days. The call came from an " Unknown Number '' and left a XXXX number to call back including a 'case reference number ' ( that apparently everyone received that was called by this number [ XXXX ] ). 
This is the transcript : Yes this is XXXX XXXX I'm calling in reference to your federal student loan. I need to discuss your repayment options with the new changes that are taking effect. Be sure to give me a call at XXXX with your reference number of XXXX. Thank you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On the XX/XX/XXXX, when I tried to access Bank of America 's online bank, the answer I got was that my user did not exist, I thought they were system problems, or that they had closed my account passed to many people. 

The next day when I tried to enter I simply obtained the same result, so I took the option to call the Bank of America call center. 

The executive told me that my account was not closed, just for some reason I was not online anymore, I had to create a user and do the registration procedure, when I achieve it and see the balance I realize that I'm missing money. I start to review the records and see that three transferences that were made to my account by a sale were reversed. One for u.s.d. XXXX, another for usd XXXX and another for usd XXXX. 

I go back to the Bank 's executive and she tells me that the bank that made the transfer went to the bank and stated that her account was cheated and that she had not made those transfers, the bank without investigation or communication or information to my person. the imperative decision to take that money away from me. 

I sold some bitcoins from the official website and the payment was via transfer the money came to my account so I released the same As it turns out, in the bitcoins account it now appears that they are scammers, they are dedicated to 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 2018-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I attempted to make a purchase at XXXX XXXX online and I mistakenly entered the wrong CVV numbers, which resulted in my card being declined. However, it still out the funds in pending status on my account, making it impossible for me to spend {$170.00}. But I had a different unexpected expense this week that I had to cover with my debit card and my credit card is the only thing I have to get me through this week. 
So I called XXXX XXXXXXXX and they called Capital One, and XXXX XXXX confirmed to them that there arent any pending orders and they wont be collecting those funds. Capital One said too bad, they arent releasing them. I dont understand how its legal for them to hold onto my money when its been confirmed by the merchant that no one will be collecting those funds. I will starve this week and probably be fired because I cant put the gas I need in my car to get to work. This cant be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
They are calling my work for a bill I don't owe. I asked for proof of a bill but they won't send anything. I have told them repeatedly to stop contacting me at my work number and they continue to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This account was opened to purchase XXXX XXXX. We have made our monthly payment every month. In XX/XX/XXXX, we received at letter stating that we owe quite a substantial amount in late fees. We call the company to be told that we missed a payment back in XX/XX/XXXX. I looked at my bank records and said no, we made the payment. The Credit Card Services stated that I was making my payments to early, so they were being applied to the principal not as a payment. I said I have never heard of anything so crazy and why did you wait until XX/XX/XXXX for something you thought was wrong back in XX/XX/XXXX? No explanation, just wanted us to pay the full amount of late charges. We have made a payment every month, everyone agrees that money was received from us every month. On XX/XX/XXXX we spoke with an American speaking representative that told us that we are caught up in a, " MISS POSTED PAYMENTS CYCLE ''. Meaning that we are billed out on the XXXX of every month, so we can only pay on our bill after the XXXX of the month because our payment is due on the XXXX of the month. I have been paying the bill consistently between the the XXXX to the XXXX of the month and they are adding late fees and additional fees for non payment every month, even though we are paying the monthly payment! The representative stated that she was filing a complaint with the company, but it will take up to 30 days to get a response due to the high volume of complaints regarding this credit card company! The credit card company has reported us as a late payment risk that shows up on my credit report now! 
We understand that we are not the first people this credit card company has done this to, we want the excessive charges dropped and removed and our credit restored with explanation and remove the late payment history. from my credit report to be made whole.

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 2018-02-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: FL

Complaint narrative:
MULTIPLE daily calls, living on Social Security and shared diagnosis of XXXX XXXX. Between medical bills and struggling to live they continue to not offer any options AND call me an absurd number of times everyday.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 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: MD

Complaint narrative:
The company is XXXX XXXX. They have me reported 30 days late for XXXX & XX/XX/XXXX. On both instances I spoke with a representative and they assured me that I would not be marked late. I have had trouble with them previously when I had my last XXXX when they reported me late in error and then removed the lateness. 

The 2 late payments was removed and then all of a sudden put back on my credit report and I noticed it when I went to apply for a house loan and they stated you have late payments on your credit report. I am very frustrated with this organization and really wish I could turn this car in and not have to deal with them going forward. 

I was also discriminated against on a phone call not to recently ago when contacting XXXX the lady was very rude and talked down to me. 

As a result of these mistakes one of my credit cards went from a credit limit of XXXX to XXXX. I really need to be compensated for this issues and really wish I did not have to deal with them anymore constant mistakes over and over again. I hope this shines a light on them. 

All three credit reporting agencies are reporting the lateness despite my disputes. 

They are also reporting my XXXX XXXX when that car has been sold already. 

Thanks,

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