vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I filed a dispute online for the inquiries I do not recognize back in XXXX. I called TransUnion on XX/XX/XXXX and they would not remove the inquiries on my credit report. I do not recognize these inquiries. 

XXXX/XXXX Date Filed XX/XX/XXXX Type Credit card and travel / entertainment companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Credit card and travel / entertainment companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX   XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX   Date Filed XX/XX/XXXX Type Finance other than personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance other than personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address 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 explanation
Consumer complaint received 2018-06-04 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: CA

Complaint narrative:
I disputed inquiries in XX/XX/XXXX both through the website and on the phone. They have not removed them. I do not recognize these inquiries. 

XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Complete Dept. Stores Phone Number Address XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Phone Number Address XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type All Others - Business Machines, Catering, Vending Machines, Schools, Aircraft Leasing, Railroads, Clubs, Lodges, Shopping Centers, Travel Agencies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Phone Number Address XXXX/XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 
Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Phone Number MAIL ONLY Address XXXX XXXX   XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Phone Number Address

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This complain is about Synchrony Bank, on their XXXX XXXX credit card. 
On XX/XX/2018, I planned to submit the application online. However, I was not able to submit the application successfully in first 5 trials due to their website issue. The last time the application went through but it was declined : 1. I never received an email of notification of denial as they stated in the application submission confirmation page 2. I received the denial notice in mail, saying the reason of denial was " high risk source of application. '' I tried to contact the company twice, spoke to at least 5 people within the bank, on hold for total over 1 hour, no one could provide me an answer of what does the high risk source of application mean. Instead, they continue to ask me to call credit bureau, where, however, I was not able to locate any credit bureau number on their notice at all. 
I suspect I was being unfairly denied due to their initial website submission issue ( which caused my credit report to be masked, for example ). However, no one in the company could provide any possible solution and conduct a due diligence review at all.

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 2018-06-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filed disputes online and the credit reporting agency said these were valid inquiries. I called and spoke to a rep on the phone who was not willing to help me on XX/XX/XXXX Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by the consumer. 


XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XXXX   Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX CARD Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX THE XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX/XXXX   Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XXXX/XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XXXX CARD Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX   Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX   Date Filed XX/XX/XXXX XXXX XXXX XXXX/XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XXXX Date Filed 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 2018-06-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have raised this point internal at a branch level, and the " Customer Service '' of Wells Fargo Mortgage. 




The lack of speed in answering this complaint, the lack of interest to serve the customer, the lack of resolve. In the last issue was very valid. XXXX XXXX of Wells Fargo, after taking with my Husband, admitted on the phone that there was a lot of calls at the time period, and admitted there was some kind of agreement made at the time. 


In response to the complaint XXXX XXXX of wells Fargo responded, " I couldn't find the exact call so wells Fargowo n't change the record ''. The reality is, there was an agreement, and wells Fargo know this to be true but wont change the credit record because of a technicality, they cant find the exact call. XXXX XXXX did communicate the representative that did make the " arrangement is no longer with Wells Fargo ''. I was XXXX XXXX in hospital having XXXX, Wells Fargo knows this too, and i can provide hospital records too. The reality is I was In Hospital Wells Fargo Knows this, the reality is an Argument was made, and the person the agreement was made with no longer works for Wells Fargo. I am a good mortgage customer, with regular payments no late payments in two years. 




The consumer Financial Protection Website exists as a public recourse for consumers to read and see " customer service '' of institutions like wells fargo and how wells fargo responds to their customers. 




I file this complaint requesting the paid late being reported on my mortgage from a time I was in hospital was IN FACT paid " as agreed ''. Because there was an agreement in place to bring the account up to date by certain date. I made the agreement, wells Fargo AGREED to report " pays as Agreed ''. I kept the agreement, brought my account up to date ... But wells Fargo have displayed no HONOR and failed to honor the agreement. Wells Fargo reported on my credit 'late ''. My account is up to date, and has been up to date, for over two years now. Failure to report 'paid as Agreed '' when an agreement was in place serves as an ETHICAL representation of the service at wells fargo.

I give full consent for CFPB to publish this complaint, and I await Wells Fargos " customer service '' response.

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 2018-06-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXXandXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX with no successful resolution. XXXX and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I have a loan with DEPTEDNELNET. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and DEPTEDNELNET with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I have a loan with DEPTEDNELNET. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and DEPTEDNELNET with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax is reporting accounts that have no right to be on my consumer report and ignoring my request for copies of consumer applications in my file that was sent to them for verification. I sent a letter on XX/XX/XXXX along with a notary proving I am the person sending this letter through USPS certified mail. Both letter and notary is attached to this dispute. In that letter I stated that this was a request for information and it is NOT A DISPUTE LETTER. Since all consumer applications must be verified, copied, and retain in the consumer file, I asked for the consumer applications for the accounts listed in the letter. Along with verify the information on the consumer report, it must PROOF that the data furnisher has any permissible purpose to view my consumer report and PROOF of any financial agreement that allows the data-furnisher to report any information to my consumer report. I noticed on XX/XX/XXXX, instead of providing the information, Equifax opened disputes against these accounts. WHY WERE DISPUTES OPENED WHEN I STATED THIS WASN'T A DISPUTE LETTER? AND WHAT FALSE CLAIM DID EQUIFAX SEND TO THE DATA-FURNISHERS? No dispute should have been made, just provide the requested information. If I did dispute, it would be with Equifax for being Non-Compliant with the FCRA by not verifying the consumer applications.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Sierra Holdings LLC
State: CA

Complaint narrative:
Around XX/XX/2015, I notified XXXX XXXX XXXX that I was a member of the United States XXXX and I was being XXXX and could no longer pay on this very high interest car loan. On 10 occasions I called or emailed the company to try to figure out a alternative payment arrangement, the company never responded. I also requested relief using The Servicemembers Civil Relief Act ( SCRA ), the company never responded, which is a clear violation of the SCRA. I finally requested for the car to be picked up voluntarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 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:
Innacurate employer keeps reappearing on my credit 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 2018-06-04 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: NC

Complaint narrative:
Equifax illegally displaying innacurate information on credit report. A medical collection account is apearing on my report from XXXX. I have no collections. This account may be from a workers compensation claim which I am no liable for and all claims were satisfied by employer. Account is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
my name is XXXX XXXX, I had a credit card with XXXX XXXX XXXX   XXXX XXXX, while in contact with the collector, I received a Summons My complaint is because the process has been very abusive and misleading and almost fraudulant, I wasnt very experience of what to do when received the legal documents, so Capital one doesnt is not trusfull. 
TODAY I RECEIVED A DEPOSITION SOBPOENA ( date issu XX/XX/XXXX ), I also received a Notice of taking deposition records only, I also received notice of consumer of privacy rights for date XX/XX/XXXX for production of business records the envelop has a stamp of XX/XX/XXXX and I received the documents on Saturday XX/XX/XXXX.

Capital one alreary have a Judgement for a credit card I owned then, but when I tried calling them to make payment the lawyer wont call me back ... Now is this legal so like I mention Capital one has a  judment and wont make payment aragenments and now what to take a deposition not for Capital one but for XXXX XXXX XXXX, for the record I have alegations agaist XXXX XXXX XXXX and for the record I have in the past been agrevated by multiple entities including dafamation of character or I believe a stragety used in the past that I am XXXX to doght my entity I feel Capital one is one of them in how in the past reports to the credit berourow including reporting multiple time for the same item. and as I mention XXXX XXXX XXXX wrongfully denied my mortgage loan for any financial assistance after been a victim of a federal crime ( bank robbery that happened at work )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
TransUnion is reporting accounts that have no right to be on my consumer report and ignoring my request for copies of consumer applications in my file that was sent to them for verification. I sent a letter on XX/XX/XXXX along with a notary proving I am the person sending this letter through USPS certified mail. Both letter and notary is attached to this dispute. In that letter I stated that this was a request for information and it is NOT A DISPUTE LETTER. Since all consumer applications must be verified, copied, and retain in the consumer file, I asked for the consumer applications for the accounts listed in the letter. Along with verify the information on the consumer report, it must PROOF that the data furnisher has any permissible purpose to view my consumer report and PROOF of any financial agreement that allows the data furnisher to report any information to my consumer report. I noticed on XX/XX/XXXX, instead of providing the information, TransUnion opened disputes against these accounts. WHY WERE DISPUTES OPENED WHEN I STATED THIS WASN'T A DISPUTE LETTER? AND WHAT FALSE CLAIM DID TRANSUNION SEND TO THE FURNISHERS? No dispute should have been made, just provide the requested information. If I did dispute, it would be with TransUnion for being Non-Compliant with the FCRA by not verifying the consumer applications.

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 2018-06-04 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I have a loan with SANTANDER I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and SANTANDER with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Student loan — Federal student loan servicing
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: GA

Complaint narrative:
I have a loan with XXXX XXXX  XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax, XXXX and XXXX XXXX  XXXX with no successful resolution. Equifax and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief