vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-26 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX Date XX/XX/XXXX Amount : XXXX I tried Disputing this several times now Im trying another approach. FTC report # filed XXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXX AmountXXXX I tried Disputing this several times now Im trying another approach. FTC report # filed 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 2017-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
They keep locking me from filing disputes and I send proof for wrong entries by mail and they will not fix problem and wo n't accept my disputes, and keep putting fraud alerts on my file for no reason and keeps me from improving my credit to purchase home, I 'm ready to hire an attorney and file suit against them for interfering with this and not following federal and state laws. I want this fixed.

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 2017-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: AZ

Complaint narrative:
I was contacted today by XXXX XXXX of CBE Group ( a debt collection agency ) in XXXX IA XXXX in order to collect a debt they say I owed from a XXXX subscription of {$370.00} that was 26 days in collection as of XXXX XXXX, 2017. I knew this was bogus because we have had XXXX XXXX for the last six years. XXXX is not even a choice in XXXX AZ XXXX went on to tell me the XXXX service was for someone that lives at XXXX XXXX XXXX XXXX, XXXX GA XXXX with a Disconnect date was on X/XX/2017 and gave me the account # XXXX had all my personal information, address, phone and social security number

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 2017-07-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I attended the University XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. During that time, I took out two loans totaling about 44,000. At the time I did not understand the difference between subsidized and unsubsidized loans. I found out after I graduated that both of my loans were unsubsidized and totaled XXXX bucks. XXXX XXXX wanted me to pay XXXX bucks per loan six months after I graduated. I informed them that I would not be able to those payments while making XXXX bucks an hour. One of the representatives suggested that I consolidate them to get a lower payment. Little did I know that I would lose all of the benefits with these loans. Now I am locked into private loan consolidation with little to no option of lowering my payment ( I 'm doing a forbearance, but that costs me XXXX bucks every time I apply ). Now mind you that I have been paying around 400 bucks a month since XX/XX/XXXX. If I do the math, I have paid them close to 43,000 and my principal now is XXXX! Thats only XXXX going towards the principal. Talk about highway robbery. Looking at my loan information I will make my final payment on XX/XX/XXXX. By that time I would have paid XXXX for a loan that was originally XXXX. They are making XXXX of this loan! Oh and I never got the high paying XXXX job after college. All of the jobs wanted someone with 2-5 years of experiences and all of these certifications ( which cost additional money and time ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 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: GA

Complaint narrative:
I disputed these Items several times with Transunion did not comply with my certified 609 letters. Please note : Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : XXXX has refused and I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd pa rties you are damaging my reputation and credit worthiness. According Section 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsectio n ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of th e investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. The description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provide within 5 days of the completion of your reinvestigation.

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 2017-07-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: PROPEL FINANCIAL SERVICES LLC
State: TX

Complaint narrative:
Called Propel Financial Services to discuss late payment on property tax loan and I was told by customer service representative that my property is in the foreclosure stages. I have NEVER received any type of certification via mail stating such and there has been no period offered to " cure '' or notice of. No correspondence of any type has been mailed or communicated other than the verbal via a phone conversation from a rude male representative ( X/XX/2017 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
Use of a non-Suntrust ATM charges a fee to the withdrawing bank ... understandable. But now Suntrust is also charging the same fee on the backside ; what a gouge!

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 2017-07-26 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: GA

Complaint narrative:
I disputed these Items several times with Experianand they did not comply with 609 letters. Please note : Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : XXXX has refused and I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd pa rties you are damaging my reputation and credit worthiness. According Section 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsectio n ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of th e investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. The description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provide within 5 days of the completion of your reinvestigation.

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 2017-07-26 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: AL

Complaint narrative:
Ive contacted Trans union several other credit companies and there is some incorrect information on my credit report. My first issue is there are several inquires on my credit that i did not authorize, and did not give any consent to having those companies pulling my credit causing hard inquiries. I have asked the credit companies and sent several disputes to remove these inquires due the credit error that they had in 2016 and they are still on there.

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 2017-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I just received a letter from XXXX a denial of credit by the way of experian it states it is my right to view my report if I log in to experian report access and under the FCRA.Once again I was denied access on XXXX XXXX  2017

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 2017-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I sent Portfolio Recovery Associates a debt validation letter on X/XX/2017 for XXXX accounts they report for me. Their response was to send me 'validation ' dated X/XX/2017 that is not the same amount owed that is showing on all XXXX of my credit reports for XXXX companies. The date opened in their validation is also not the date listed on the credit reports. The account type is also different on each report, and they claim to be a 'factoring company ' on XXXX for XXXX accounts. They are reporting monthly as if they are a lender, and have varying 'past due ' amounts on various reports. In all, for XXXX of these accounts Portfolio Recovery Associates have failed to validate the debt as correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 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: FL

Complaint narrative:
Your Name Your Address Your Phone # Request for Investigation of Unauthorized Inquiry I checked my personal credit report, which I acquired in XX/XX/XXXX and I noticed several unauthorized inquiry had been made. I contacted companies who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into hard inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry. 1.XXXX 2.XXXX XXXX XXXX XXXX 3.XXXX XXXX 4.XXXX 5.XXXX  XXXXXXXX 6.XXXX 7.XXXX XXXX XXXX 8.XXXX 9.XXXX 10.XXXX the inquiry referenced above have been disputed please remove from my report Thank you for your assistance in this matter, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
I 've tried disputing a couple of fraudulent accounts on my credit report, and the Bureau has taken some of it off but only the collection things. I 've sent letters to the collection agencies, NCB MANAGEMENT and have gotten little response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine? Most recently about a month ago I did send in an Identity Theft document and all of the items it asked me to include. Feel like after six months of disputing and working hard that it 's really going nowhere. Would like to have this stuff taken off my credit report bc it is not mine. Thank you I leave out of the country for months at a time, and someone must have used my information and apply for credits because I was always getting declined no one could tell me what happened. Police said too much time passed. I 've made contact via certified mail 2 times. XX/XX/XXXX and XX/XX/XXXX. Still have not received anything back or response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I sent Portfolio Recovery Associates a debt validation letter on X/XX/2017 for two accounts they report for me. Their response was to send me 'validation ' dated X/XX/2017 that is not the same amount owed that is showing on all three of my credit reports for both companies. The date opened in their validation is also not the date listed on the credit reports. The account type is also different on each report, and they claim to be a 'factoring company ' on one for both accounts. They are reporting monthly as if they are a lender, and have varying 'past due ' amounts on various reports. In all, for both of these accounts Portfolio Recovery Associates have failed to validate the debt as correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against Transworld Systems for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report. I want the negative credit reporting to cease and for the collection account to be deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: MI

Complaint narrative:
Fay Servicing has not provided us HAMP nor HARP information. Interested to look at those options asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. This apartment collection was not opened by me and my rights are being ignored. My official complaint is against procollect for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report. I want the negative credit reporting to cease and for the collection account to be deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 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: AL

Complaint narrative:
Ive contacted XXXX XXXX several other credit companies and there is some incorrect information on my credit report. My first issue is there are several inquires on my credit that i did not authorize, and did not give any consent to having those companies pulling my credit causing hard inquiries. I have asked the credit companies and sent several disputes to remove these inquires due the credit error that they had in 2016 and they are still on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 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: AL

Complaint narrative:
Ive contacted XXXX XXXX several other credit companies and there is some incorrect information on my credit report. My first issue is there are several inquires on my credit that i did not authorize, and did not give any consent to having those companies pulling my credit causing hard inquiries. I have asked the credit companies and sent several disputes to remove these inquires due the credit error that they had in 2016 and they are still on there.

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 2017-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Hello to whom it may concern, Under the new law effective XX/XX/XXXX 2017 any public record thats reporting on a credit file must include name, address, social security number or DOB. At this time experian XXXX nor XXXX is in compliance with this new law and after careful investigation I am seeking to have these incorrect public records deleted off my credit file. Thanks & XXXX Bless

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 2017-07-26 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: FL

Complaint narrative:
Your Name Your Address Your Phone # Request for Investigation of Unauthorized Inquiry I checked my personal credit report, which I acquired in XX/XX/XXXX and I noticed several unauthorized inquiry had been made. I contacted companies who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into hard inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry. 1.XXXX 2.XXXX XXXX XXXX XXXX 3.XXXX XXXX 4.XXXX 5.XXXX  XXXX 6.XXXX 7.XXXX XXXX XXXX 8.XXXX 9.XXXX 10.XXXX the inquiry  referenced above have been disputed please remove from my report Thank you for your assistance in this matter, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl 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 2017-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Hello to whom it may concern, Under the new law effective XXXX XXXX 2017 any public record thats reporting on a credit file must include name, address, social security number or DOB. At this time XXXX XXXX  nor transunion is in compliance with this new law and after careful investigation I am seeking to have these incorrect public records deleted off my credit file. Thanks & XXXX Bless

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