vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-25 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: AZ

Complaint narrative:
XXXX XXXX assures me that they only made One credit inquiry and that was on the XX/XX/2018. But, Equifax shows that two Hard Inquiries were made by XXXX XXXX first on XX/XX/2018 and again on XX/XX/2018. I notified both Equifax and XXXX XXXX about this discrepancy on my Equifax Credit Report. XXXX XXXX insists that they show only 1 inquiry to Equifax which was done on XX/XX/2018. Nothing in their records to show an additional inquiry on XX/XX/2018 or anytime after XX/XX/2018. I reported this to Equifax and was told to Contact XXXX XXXX to have the additional inquiry removed by request. I did, and XXXX XXXX insisted they can not do that as they only made an inquiry on XX/XX/2018 and can not remove something they have no record of. Equifax told me that Equifax merely records requests from their customers when made and they can not be remove by Equifax. I feel like a tennis ball bashed back and forth in a never ending match. I have been using XXXX XXXX to keep track of my credit history for a couple of years now and that is how I discovered the error with XXXX XXXX. I have been trying to get a resolution to this with both XXXX XXXX and Equifax since I was made aware it happened when I checked my Credit Report on XX/XX/2018 with my last complaint to XXXX XXXX and Equifax on XX/XX/2018 I obviously need higher help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I have disputed the late payments on this XXXX XXXX XXXX  account for months. XXXX  and XXXX   have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Recently, our mortgage account was transferred from Select Portfolio Servicing, LLC to XXXX XXXX XXXX. XXXX XXXX XXXX have rejected our payment claiming that the amount due is {$45000.00}. We entered into a contract with previous servicer and is therefore binding. I have attached the repayment agreement on which i have abided by terms under the new contract. The contract states the repayment plan expires on XX/XX/XXXX, yet XXXX XXXX XXXX  are requesting an amount the does not comply with our contract. XXXX XXXX XXXX have engaged in Floridas deceptive business practices. The servicer continues to deny that such contract exist and moving forward with the foreclosure action. OnXX/XX/XXXX, i have been making payments timely accordantly to the contract, however the foreclosure case was never dismissed. When a defendants enters into a repayment plan the foreclosure action must be dismiss because the defendants have entered into a loss mitigation agreement with servicer. The foreclosure action has not been dismissed and XXXX  is seeking a sale date yet i have been making timely payments sinceXX/XX/XXXX. We ask the Consumer Financial Protection investigate this matter, it is clear on its face that XXXX XXXX XXXX  have engaged in Fraudulent banking and business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
In XX/XX/2018 I sent a certified with return receipt letter to National Credit Systems to Cease and Desist contacting me. I also included a check for the amount of {$490.00} as that is what the ledger states that I owe from the original creditor. I also provided my new address. After a month of not hearing from the company and noticing the check that was sent to them had not been cashed I contacted them directly. They stated that I owed {$4900.00} and that they mailed my check back to me, which I have never gotten back. 

They now continue to call me repeatedly throughout the week and leave voicemails and I will not answer there calls. This is why I am filing the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: AmeriCash Holding LLC
State: IL

Complaint narrative:
The company put a garnishment on my payroll.I wasnt informed about it until two days before.Legally I have a right to revoke the garnishment, but the garnishment department is telling me othereise. The garnishment started XX/XX/2018..I got letter in mail on the XXXX ... I didn't sign a garnishment wage form..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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:
XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX   {$2400.00} not mine, no knowledge of accounts hippa violations

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 2018-10-25 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:
XXXX  XXXX XXXX  {$4500.00} XXXX XXXX XXXX {$2400.00} not mine, no knowledge of accounts hippa violations

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XX/XX/18, I checked my credit score with Experian ( as I do daily with every bureau ) and noticed that it had dropped by 15 points. One of the negative factors displayed was a recent missed payment of '1 month ago ''. 

On XX/XX/18 I called the Experian Dispute center to question the information because my report does not show a missed payment since XX/XX/2018. The agent informed me that in XX/XX/2018, when I paid the full balance of a closed XXXX XXXX ( XXXX ) account ( over {$6500.00} ), it was reported as a 'paid, charge off ' and that the " credit reporting system automatically counts that as a late payment ''. I expressed my dissatisfaction and concern with that answer and the agent advised me to start a dispute with XXXX, which she initiated on the phone for me. 

On XX/XX/18, I received a notification that the dispute was settled, so I logged into check my score and saw that it had dropped another 13 points. I saw that now one of the negative factors said that I have a recent missed payment of " 0 month '', or as of the day the dispute was settled and the account was updated. 

On XX/XX/18, I first called XXXX to see if they could change the charge off status of my XXXX payment, and they informed me that they could not. I then called the Experian Dispute Center and explained to the agent how it is both unfair and inaccurate that now that the XXXX account has an update of XX/XX/2018, their algorithm thinks a missed payment was reported on that date, and my score suffers the consequences. The agent did not offer any assistance other than sending me a copy of my report, which I already have. 

My issue is with Experian and their credit reporting algorithm. My FICO score with Experian is 82 points lower than my XXXX score and 54 points lower than XXXX. This has been consistent for several months now. There is clearly a discrepancy with their system and I, a paid customer, am suffering the consequences. Relying on and blaming an algorithm, as the agent did, is an insufficient and, frankly, cowardly way to handle customers. Unfortunately, I will not cancel my membership because I have to know what my Experian score it because some credit companies only use that score to determine eligibility. This is a unfair and unfortunate trap.

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 2018-10-25 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I went past due on my SYNCB/WalMart account back in 2012. I made the payment in full and before paying I asked them to remove this negative tradeline. They said they would remove if I made a payment. This account was never removed ( bait and switch for full payment ).

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 2018-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I have disputed the late payments on thisXXXX XXXX XXXX account for months. XXXX   and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2018-10-25 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: NY

Complaint narrative:
I ran a credit report on XX/XX/2018. It showed delinquency to XXXX XXXX and XXXX XXXX XXXX credit cards. I called the XXXX XXXX and XXXX XXXX XXXX credit department on XX/XX/2018, both companies can not find that closed account and advised me to dispute it to Experian. I called Experian the same the day and filed the dispute. 
Today XX/XX/2018, I received an email that the results are ready then I called Experian to get the results since the online service is not working. Experian took-out the report from XXXX XXXX and kept the XXXX XXXX XXXX Credit Card, they said that XXXX XXXX XXXX responded that the report is accurate. I immediately called the XXXX XXXX XXXX and checked about the closed account account based on Experian Report but still they can't find it under my SSN. Now, I don't have any other resolution but to file this complaint to get a thorough investigation and remove that XXXX XXXX XXXX Credit Card record in my credit report if found that its not my card.

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 2018-10-25 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: CA

Complaint narrative:
To Whom It May Concern, It occurred to my attention that I have four inaccurate hard inquiries incurred on my account without my knowledge or consent or by error in the last year. These inquiries have affected my credit standing despite its clean history. These are the following inquiries that I don't recognize and which I hope you could kindly help fix and remove from my credit reporting : XX/XX/XXXX : an inquiry from XXXX XXXX. I don't recognize this inquiry nor have I applied to any credit of such type this year.

XX/XX/XXXX : an inquiry by XXXX XXXX. I don't recognize this inquiry nor have I applied to any service of such type this year.

XX/XX/XXXX : an inquiry by XXXX. I don't recognize this inquiry nor have I applied to any credit of such type this year.XX/XX/XXXX : XXXX XXXX XXXX. This was a collection inquiry that was resolved and removed per complaint no. XXXX submitted on XX/XX/XXXX to CFPB after finding that it was filed on my behalf upon incorrect information.

The only inquiry I recognize from the last two years is my application to XXXX XXXX load on XX/XX/XXXX.

I kindly ask you to investigate these inquiries, report them to the bureaus and do all necessary actions to remove them from my record as I have no knowledge or consent on their submittals.

Thank you for your consideration.

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 2018-10-25 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: CA

Complaint narrative:
To Whom It May Concern, It occurred to my attention that I have four inaccurate hard inquiries incurred on my account without my knowledge or consent or by error in the last year. These inquiries have affected my credit standing despite its clean history. These are the following inquiries that I don't recognize and which I hope you could kindly help fix and remove from my credit reporting : XX/XX/XXXX: an inquiry from XXXX XXXX. I don't recognize this inquiry nor have I applied to any credit of such type this year.

XX/XX/XXXX : an inquiry by XXXX XXXX. I don't recognize this inquiry nor have I applied to any service of such type this year.

XX/XX/XXXX: an inquiry by XXXX. I don't recognize this inquiry nor have I applied to any credit of such type this year.

XX/XX/XXXX : XXXX XXXX XXXX. This was a collection inquiry that was resolved and removed per complaint no. XXXX submitted on XX/XX/XXXX to CFPB after finding that it was filed on my behalf upon incorrect information.

The only inquiry I recognize from the last two years is my application to XXXX XXXX load on XX/XX/XXXX.

I kindly ask you to investigate these inquiries, report them to the bureaus and do all necessary actions to remove them from my record as I have no knowledge or consent on their submittals.

Thank you for your consideration.

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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: Stanislaus Credit Control Service, Inc.
State: GA

Complaint narrative:
My HIPPA laws have been violated my information has been released to a third party. They are in violation of the Fair Credit Reporting Act twice over. First by the original alleged creditor giving my information to a third part debt collector and secondly by submitting the Medical debt to the credit bureau. I would like to see a validation of Debt and HIPAA authorization because I didn't authorize my information to be shared nor did I receive any information by mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX XXXX repair with a new radiator.Somehow they got coolant in engine which blew the engine. this occurred XX/XX/2018. I continued to pay my car note 2 more months. then i filed a gap insurance claim which was denied. the claim was denied then they cancelled my insurance. Chase Auto repossesion of my car then sold it without notice or authorization.They mailed me a letter after they sold my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Most of those inquiries were done without my consent.

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 2018-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I have disputed the late payments on this XXXX XXXX XXXX account for months. XXXX   and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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:
XXXX report # XXXX for XX/XX/18 and trans union file number XXXX for XX/XX/18 and XXXX XXXX for XX/XX/18 i request the bureaus to remove all of my old addresses they did not and as required by the fcra to provide me with the method of verification they did not.

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 2018-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: NJ

Complaint narrative:
In XXXX of 2018, I started getting calls from a company called " XXXX XXXX ''. I would get calls practically every day. The operator would represent that they are trying to collect a debt and immediately ask me for my personal information -- name, date of birth and address. On every call, I demanded a validation statement, and on every call, the operator would falsely claim that one had previously been mailed to me " many times ''. The operator would always refuse to give me any details of this alleged " debt ''. In fact, I know I have no unpaid bills, so this is bogus. Although " XXXX XXXX   '' seems to have a website and a physical address in California, these calls always come from anonymous mobile numbers. This is a scam where someone is trying to get my personal information by claiming a non-existent debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Most of those inquiries were done without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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: CarFinance Capital LLC, Irvine, CA Branch
State: IL

Complaint narrative:
Most of those inquiries were done without my consent.

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 2018-10-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
Auto was repo and sold and I never received proof of sale which was sent to someone else. Sent 3 request for the loan to be validated, in XX/XX/2018, just received document and shows all paperwork was issue to someone living in Texas, which I have never lived. The car was repo from my current address in Ohio where I have lived and currently still live. Received payoff for $ XXXX, which is fees when balance was {$8700.00}. Never received notice of sale of auto.

Company response to consumer: Closed with non-monetary relief