vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
I was attending XXXX XXXX in 2013. I found out the " school '' I was attending was for profit, they drained my financial aid and I found out they are not even credited in PA. When I left my balance was at {$0.00}. Then a couple years later when I wanted my transcripts some how I owe {$4000.00}. I have been trying to dispute this because of their predatory practices. I asked their creditor, that calls me constantly, to have their information to dispute the debt and the guy started yelling at me, telling me that it is my fault and XXXX did nothing and what makes me think I can dispute this. He was very rude, yelling at me for no reason and over a debt that I got scammed into in the first place.

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 2019-09-07 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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Wells Fargo breached duty of care. XX/XX/2019 RE : Investigation - Delete Credit Inquires and Negative and Late Reporting To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor did not have a permissible purpose, and /or was able to verify my complete file information including full name, address, date of birth and SSN #. INCORRECT ACCOUNT INFORMATION ; PER Wells Fargo MGMT The accounts below are reporting incorrectly. investigate and correct : 1. { WELLS FARGO } { ac # XXXX } { Remove negative and late reporting information from all records from Wells Fargo HELOC account, according to proof } I am demanding immediate correction, after which I authorize you to mail me my updated credit reports along with the investigation results, and removal of " Foreclosure Listing '' on the internet. Also, Wells Fargo is reporting an account that I have NO KNOWLEDGE OF, account number XXXX XXXX account reference, XXXX XXXX -Inaccurate Account Number 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 2019-09-07 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: CO

Complaint narrative:
XX/XX/2019 we financed a XXXX  XXXX XXXX. A week later it was in the shop for a front passenger windshield washer spray hose. XX/XX/2019 the XXXX dies out on I-70 practically leaving us stranded. We take it to the shop same day days later they explain it is the transmission, it gave out. We leave it for them to fix and we hear nothing. I call back they say the transmission has not been delivered yet. I ask well can we get a loaner to get to work rudely he said we normally don't do loaners but in this case ok. We felt just as scared and worried in the loaner because the check engine light was on also in the loaner? On XX/XX/2019 they call and say the XXXX is ready we get there pay a {$25.00} dollar deductible only to find the Service department lost our car key made us a new one which did not have our gas cap key and also did not open the back hatch? We drive away only to die out the same day leaving us stranded. Next  day XX/XX/2019 we drop it off at the dealership again. Later that day they tell us the crankshaft sensor went out. We drive it for 2 days and on XX/XX/2019 the XXXX is stalling and the check engine light comes back on? We got to the point we can not handle this anymore XX/XX/2019 we go in to voluntarily surrender the XXXX due to mechanical issues XXXX XXXX took our plates that we paid for and held them in the Service department making us feel hostage for wanting out of the contract. We signed the voluntary surrender paperwork with XXXX and instead of XXXX being a gentleman and giving us our plates XXXX had to go get them for us. Then XXXX XXXX later that day did a hard inquiry on our credit this is negligent on their part and we feel our credit should not suffer because of this. Since we had the XXXX we paid the loan on time each time the loan payment was due. We even made a payment while the XXXX was in the shop. Please can someone help us.

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 2019-09-07 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: CORELOGIC INC
State: NV

Complaint narrative:
CoreLogic keeps reporting an eviction with XXXX XXXX from XXXX, CA that is closed due in the court records as mine, owing and open. I've sent them identify theft police reports, copies of the case, all of my old driver 's licenses and proof I included it in a ch XXXX bankruptcy but they refuse to update their records so I've been denied as a tenant several times.

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 2019-09-07 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: MA

Complaint narrative:
There was a hard inquiry put on my TransUnion credit report that is from a person that is not me and has the same name as me but with a different middle name that starts with the same initial and lives at a different address. The inquiry is from XXXX XXXX XXXX XXXX that is dated on XX/XX/2019 

TransUnion does not have the other person 's address listed in my address history and I have never lived there. This inquiry is not on my credit report from the other two credit bureaus and is only on the TransUnion one. They have made a mistake by putting someone else 's information on my report that has a similar name as mine but it is obvious that we are two different people with two different address ' and social security numbers. 

In my opinion XXXX XXXX XXXX XXXX did nothing wrong as they used the other person 's address and social security number to pull the information that they were looking for and not mine. It is TransUnion 's error and I believe they should correct it immediately instead of having me go through this long tedious process of correcting something that is neither my fault or mistake. They were the ones that put someone else 's information on my report that does not belong there. All they have to do is look at my address history linked to my social security number to see the error that they have committed. I believe that they should remove the inquiry 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
Consumer complaint received 2019-09-07 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: TX

Complaint narrative:
I have Sent in all my proper paperwork to all three credit bureau to show I had identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-07 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: TX

Complaint narrative:
I have Sent in all my proper paperwork to all three credit bureau to show I had identity theft.

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 2019-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have Sent in all my proper paperwork to all three credit bureau to show I had identity theft.

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 2019-09-07 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I filed a dispute regarding a collection account for {$17.00} with XXXX and XXXX a few months ago. Theres been no follow up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION
State: NY

Complaint narrative:
I tried to open my account on line on or about XX/XX/XXXX a process that usually has taken me about 30 minutes with several other banks. The first problem occurred when they would not accept my ACH transfer. This was finally accomplished on XX/XX/XXXX because I had to deal with many obstacles & phone calls had to wind up using snail mail twice. At that point, I already had so much time invested I continued to move forward. Once the account was established, I found out through one of the many calls I had to make that the rates & bonus were not as advertised.I spoke with " XXXX on XX/XX/XXXX about all my issues. 
I was so disgusted, I began the process of closing my account. I spoke with " XXXX '' on XXXX about it & indicated I would file a complaint. Because of so many obstacles & requirements, I again had to mail in the request to close my account which I did on XX/XX/XXXX. I also sent a follow-up email concerning my dissatisfaction on XX/XX/XXXX. I received e-mail from XXXX XXXX on XX/XX/XXXX requesting yet more info to which I replied the same day. I left follow-up calls to her voice mail on XXXX & XXXX indicating that if I did not receive my funds by mail or a return call, I would be filing a complaint. My account in the amount of {$16000.00} is still open as of this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Date XX/XX/2019 To : Transunion Re : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX To whom it may concern : I am seeking to validate inaccurate information appearing on my credit report and thereby I am asking this to be removed as set by law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, LA XXXX USA # XXXX**** Date of last activity made of this account is well above the 7 year mark and by law must be deleted form credit file. 
Inaccurate information on payment status. Payments showing 90 day late period with no 60 day late period. This is impossible and inaccurate. 
Please investigate my account in addition to the furnisher of this information along with forwarding this letter and all relevant enclosures to the reporting company and a copy to me for conformation of your actions. 
Please do not merely contact the company electronically without providing a copy of this letter and all relevant enclosures. 


Cordially

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 2019-09-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I called to see if I could lower my monthly payment, I was told no because I have a co-signer on file and was recommend to get my co-signer to be released. My first problem was speaking to representative XXXX is number XXXX who had an attitude and could not provide me with the proper information of if I am eligible for co-signer release, after being on the phone with her for 30 mins, I was frustrated and requested to speak to a supervisor to complain. She put me on hold for 25 mins and 32 seconds additional and I was able to speak to XXXX Id XXXX. Long story short I do not qualify for co-signer release form because I missed one of of 12 months of consecutive payments, I was late by 2 days ( holiday weekend ) of making a payment in XX/XX/XXXX and now I have restart making all my payments for another 12 months. In addition my co-signer does not help me financially, he only help put his name on the application. Long story short I have to come up with XXXX dollars a month for student loans, pay a car note, mortgage and some how provide for my daughter ... I was told there was nothing to be done and my credit score if high enough so I can manage the payment. Just soo disappointed with this educational process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have a " Money Market Savings Account '' with Bank of America. When I go online to the account info for this specific account, there is a link to " View fee schedule '' which takes me to a PDF outlining the fees. Note, this PDF is listed under the account info for this particular Money Market savings account, not somewhere else generically on the BoA website. When I review the PDF with account fees, it lists a variety of savings and checking account options and their associated fees. None of them has a name that exactly matches up with mine ( Money Market Savings ) but I reviewed all the accounts listed and saw that for all the possible accounts, I should be able to avoid fees if I keep a balance over {$1500.00}. With this information, I made a transfer out of my saving account that kept me above {$1500.00} but then I started to get $ XXXX/month fees! After many phone calls, it turns out that I have a " grandfathered '' in account that was not listed on the PDF ( and this PDF is posted under the account info ) and my account actually has a lower limit of {$2500.00}! But there was no way to know this from the information listed online, and instead the link to " View fee schedule '' provided me with incorrect information which led me to believe that the lower limit was {$1500.00}, not {$2500.00}. After many much arguing with Bank of America, they have refunded my fees. However, this seems like a systematic problem that must be fixed for other customers. The customers must be able to get the correct fee information about their account and especially must not be given incorrect information on their account pages.

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 2019-09-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Gold Star Finance, Inc.
State: TX

Complaint narrative:
Called to set up payment arrangement for future dates. Sending threatening letters to my home address saying will " RUIN '' credit if do do not recieve balance in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX breached duty of care. XX/XX/2019 RE : Investigation - Delete Credit Inquires and Negative and Late Reporting To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor did not have a permissible purpose, and /or was able to verify my complete file information including full name, address, date of birth and SSN #. INCORRECT ACCOUNT INFORMATION ; PER XXXX XXXX MGMT The accounts below are reporting incorrectly. investigate and correct : 1. { XXXX XXXX } { ac # XXXX } { Remove negative and late reporting information from all records from XXXX XXXX HELOC account, according to proof } I am demanding immediate correction, after which I authorize you to mail me my updated credit reports along with the investigation results, and removal of " Foreclosure Listing '' on the internet. Also, XXXX XXXX is reporting an account that I have NO KNOWLEDGE OF, account number XXXX XXXX account reference, XXXX XXXX -Inaccurate Account Number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX breached duty of care. XX/XX/2019 RE : Investigation - Delete Credit Inquires and Negative and Late Reporting To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor did not have a permissible purpose, and /or was able to verify my complete file information including full name, address, date of birth and SSN #. INCORRECT ACCOUNT INFORMATION ; PER XXXX XXXX MGMT The accounts below are reporting incorrectly. investigate and correct : 1. { XXXX XXXX } { ac # XXXX } { Remove negative and late reporting information from all records from XXXX XXXX HELOC account, according to proof } I am demanding immediate correction, after which I authorize you to mail me my updated credit reports along with the investigation results, and removal of " Foreclosure Listing '' on the internet. Also, XXXX XXXX is reporting an account that I have NO KNOWLEDGE OF, account number XXXX XXXX account reference, XXXX XXXX -Inaccurate Account Number 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 2019-09-07 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX breached duty of care. XX/XX/2019 RE : Investigation - Delete Credit Inquires and Negative and Late Reporting To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor did not have a permissible purpose, and /or was able to verify my complete file information including full name, address, date of birth and SSN #. INCORRECT ACCOUNT INFORMATION ; PER XXXX XXXX MGMT The accounts below are reporting incorrectly. investigate and correct : 1. { XXXX XXXX } { ac # XXXX } { Remove negative and late reporting information from all records from XXXX XXXX HELOC account, according to proof } I am demanding immediate correction, after which I authorize you to mail me my updated credit reports along with the investigation results, and removal of " Foreclosure Listing '' on the internet. Also, XXXX XXXX is reporting an account that I have NO KNOWLEDGE OF, account number XXXX XXXX account reference, XXXX XXXX -Inaccurate Account Number 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 2019-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Quality Asset Recovery LLC
State: NJ

Complaint narrative:
HIPAA VIOLATION : In XXXX and XXXX of 2019 I recieved updated reports after I requested investigations into HIPAA violations from QUALITY ASSET RECOVERY and XXXX  XXXX XXXX SYSTEM.The results of these investigations stated that the accounts were verified as accurate. I want either or both companies to provide a copy of my signature giving my consent to release or share my medical records to a third party. 
Acct # XXXX I am not disputing or asking for verification, so I DO NOT want to see a copy of a bill or an invoice stating what is owed. I know my rights under the FCRA and the FDCPA and I am willing to seek further legal action if necessary.

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