vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-05 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: GA

Complaint narrative:
I have contacted the credit bureaus on several occasions over the duration of approximately 3 months. I have insisted that several inquiries made on my credit report between the dates of XX/XX/XXXX-XX/XX/XXXX were not authorized inquiries. I advised the credit bureau that the only inquiries that were valid during that time frame were from XXXX, otherwise known as XXXX XXXX XXXX XXXX. I demanded removal of said items due to them not being authorized and was informed by the bureau that I would just have to " wait the 25 months '' for them to be automatically removed. After several attempts at disputing the information, I noticed that my disputes were opened on the day of the call, and almost immediately closed before 24 hours had even lapsed. This credit bureau has not truly investigated my dispute, because if they had, they would find that these companies have no authorization from myself to obtain a copy of my credit report. The credit bureau has also stated that there is NOTHING that can be done about lenders falsely obtaining my credit report.

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 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: NY

Complaint narrative:
This account with XXXX XXXX XXXX XXXX was never late, however it is showing late payments on my credit report. The creditors have asked me to dispute it with the credit bureaus. below are the months that are reporting late. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 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: NC

Complaint narrative:
Hello.

I noticed an ungodly amount of credit inquires on my account I DID NOT AUTHORIZE in XX/XX/XXXX after pulling my report, I contacted this credit agency and let them know I had not authorized them and have clearly been a victim of identity theft ( or attempted ). I was told " sorry we don't dispute/delete hard inquires " these inquires are false and fraudulent. Some one has clearly been using my information without my permission and it's STILL HAPPENING, they are still running my credit. This reporting agency has showed me, as the consumer mean nothing. These inquires are hendering me from even obtaining a new bank account because of to many inquires!

I'm asking for your help and am pleading with this agency to delete them. I've listed the incorrect ones below.

XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX- Inquiry fromXX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry fromXX/XX/XXXXXXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX Inquiry fromXX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX  Inquiry fromXX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX Inquiry fromXX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry fromXX/XX/XXXXXXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry fromXX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Heritage Financial Group, Inc.
State: IL

Complaint narrative:
This is a unverified debt that appeared on my credit report due to inaccuracies according to section 609 of the fair credit reporting act this debtor has to have my original signature proving the debt belongs to me I am askin for proof of this debt with the original signature and if And where is this being verified or how? If they fail to produce an original signature I demand a deletion. 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 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 have contacted the credit bureaus on several occasions over the duration of approximately 3 months. I have insisted that several inquiries made on my credit report between the dates of XX/XX/XXXX-XX/XX/XXXX were not authorized inquiries. I advised the credit bureau that the only inquiries that were valid during that time frame were from XXXX, otherwise known as XXXX XXXX XXXX XXXX. I demanded removal of said items due to them not being authorized and was informed by the bureau that I would just have to " wait the 25 months '' for them to be automatically removed. After several attempts at disputing the information, I noticed that my disputes were opened on the day of the call, and almost immediately closed before 24 hours had even lapsed. This credit bureau has not truly investigated my dispute, because if they had, they would find that these companies have no authorization from myself to obtain a copy of my credit report. The credit bureau has also stated that there is NOTHING that can be done about lenders falsely obtaining my credit report.

XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX )XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX )XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 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 have contacted the credit bureaus on several occasions over the duration of approximately 3 months. I have insisted that several inquiries made on my credit report between the dates of XX/XX/XXXX-XX/XX/XXXX were not authorized inquiries. I advised the credit bureau that the only inquiries that were valid during that time frame were from XXXX, otherwise known as XXXX XXXX XXXX XXXX. I demanded removal of said items due to them not being authorized and was informed by the bureau that I would just have to " wait the 25 months '' for them to be automatically removed. After several attempts at disputing the information, I noticed that my disputes were opened on the day of the call, and almost immediately closed before 24 hours had even lapsed. This credit bureau has not truly investigated my dispute, because if they had, they would find that these companies have no authorization from myself to obtain a copy of my credit report. The credit bureau has also stated that there is NOTHING that can be done about lenders falsely obtaining my credit report.

XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 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: Atlanticus Services Corporation
State: TX

Complaint narrative:
cra violation XXXX, XXXX and XXXX in violation of my rights took off a inaccurate loan then put it back on my credit .... cra violation .. Notify the company with ftc and po report sent to all parties involved ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/XXXX I chatted in great detail, nearly 30 minutes, online with a XXXX XXXX representative XXXX XXXX who confirmed that she would initiate a dispute for XXXX XXXX Store Card transaction from XXXX. On XX/XX/XXXX I chatted online with a XXXX XXXX representative XXXX XXXX  who confirmed that the dispute for XXXX XXXX Store Card transaction from XXXX. was indeed initiated and is " under process. '' Today, Friday, XX/XX/XXXX, at XXXX, I received in the mail, a letter from Synchrony dated XX/XX/XXXX. This letter states I have 15 days from the date of said letter to complete the Dispute a Transaction form and return it XXXX XXXX   -- 11 days have already passed and it is the weekend. As I have indicated, I have already contacted them twice and was told both times the dispute was initiated and in progress. Synchrony 's policy states I will receive in writing the investigative findings of the disputed transaction in two billing cycles. Two billing cycles have passed and now they pull this? This makes no sense, unfair and is just plain wrong. I have copies of both online chats with Synchrony regarding this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Ive contacted equifax about two large collections on my account since they've been on there. 

I did the foot work since equifax would not probably dispute it. I asked for validation of these debts from XXXX XXXX XXXX ( originally from XXXX XXXX XXXX ). They sent a lease back with SOMEONE ELSES NAME ON IT. 

My name is no where on it and they insist it's mine and ITS NOT. Clearly I'm a victim of identity theft and ive pleaded with this company to delete these has they have Hendered me in so many ways. 

As a victim of identity theft XXXX fee hopeless and equifax has made me feel like my credit is nothing by not acting in the proper way. 

I'm attaching a copy of the lease to prove it's not my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX is trying is trying to illegally place hazard in insurance on my mortgage with out my consent for there finical gain when I called tonight to find out why I have nor received my escrow refund the automated system told me they would start charging me for hazard insurance when I tried to get a hold of a agent I was put on hold for around 20 minuets and the cut off this is not the first time this has happened I also have nor received any letter phone call or email or any other type of communications about hazard insurance I live in a town home the association is required by law to have a master hazard insurance witch has not changed loan servicers have a history of take peoples homes and pays XXXX 's on the dollars for there fraud and staying out of jail I will let theme defraud me out of any thing I also believe this will go on there permanent record and I will be contacting other agency 's about this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I make 2 monthly payments on my student loan regularly with Wells Fargo Student Loan. I told the rep I wanted to make 2 payments and she calculated incorrectly and it had to be completed in 2 separate transactions- one for {$100.00} and second transaction for {$3.00} on XX/XX/XXXX. The rep miscalculated and shorted my second payment by {$1.00}. This is NOT the first time this happened, first occasion was XX/XX/XXXX.

My credit score dropped drastically and this is injust because this was a mistake by the representative which they also admitted.

My score was effected and significantly dropped 59 and 33 points.

This isnt the first time this happened. InitiallyXX/XX/XXXX when that happened I complained and nothing was rectified.

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 2018-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I've been disputing a account that still haven't been verified it mines legally. I keep receiving copies of the same letters but no verification from original creditor that this account is mines. No signed contract or information of payments to show where this account come from.I deleted it once and it was deleted but then later reinserted with no notice that this would come back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 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: LA

Complaint narrative:
TransUnion XXXX and XXXX did not remove all inquiries that was not affiliated with my open accounts I provided police report that clearly states that I was an victim of 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 2018-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
My tax refund was send to Navient and I request for hard ship and I got a hardship application and I filed out and mail it back to them with all the necessary support documents I was it will take 7 to 10 days for a decision so I called back after 2 weeks I was told my loan been transferred to a new sevrever but they have no information about who is the servicer or my hardship ..i am about to lose my house because I need this tax money to pay my mortgage to save my house now I am going to lose my house and no help insight ... please tell me what I need to do ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 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: LA

Complaint narrative:
XX/XX/XXXXEquifax and XX/XX/XXXX did not remove all inquiries that was not affiliated with my open accounts I provided police report that clearly states that I was an victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 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: LA

Complaint narrative:
XXXX XXXX and Experian did not remove all inquiries that was not affiliated with my open accounts I provided police report that clearly states that I was an victim of 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 2018-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retail Merchants Associates
State: LA

Complaint narrative:
I did not authorized an ambulance to transport me to the emergency room I did not sign any paper work

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: National Recoveries, Inc.
State: CA

Complaint narrative:
This story goes pretty far back so I am going to try to be brief about it. 
In XX/XX/XXXX I took out a student loan, it went into default in XX/XX/XXXX. I got out of default on a rehabilitation program but due to lack of income and stable work I could not make my payments so it went back into default and into collections. 
At this time the company XXXX XXXX told me on the phone that my tax returns were flagged to be garnished to pay off the debt. I agreed and continued to file yearly and for 5 years I did not receive a return. I thought the loan was being paid off, as naive as it may sound, i thought this was all true. 
5 years ago I started receiving my returns again and when I checked my credit score, low amd behold, my student loans read at {$0.00} balance and closed. I felt relief. 
XX/XX/XXXX of this year my employer brings me a wage garnishment letter [ attached ] and that I owe almost {$10000.00} on my student loan. When I called the company to ask what this was about, they informed me they bought my loan in XX/XX/XXXX and because I did not contact them, they have rights to garnsh my wages. I chose to dispute this as they gave me the option to. I even called IRS about all the returns I didnt receive. They said they were never told to garnish my returns and they have been sent to me every year. I couldnt believe it. 
The letter they sent back to my dispute [ also attached ] was plain ridiculous. They said it is the credit bureaus resposibilty to report there loans, not theres. This has not been reported to anyone and they claim I have to pay almost double my loan in penalties and oh yea, there commission of just under {$2000.00} [ in there letter ]. This can not be legal. All 3 credit bureuas told me that it is the loan holders responsibilty to report the collection account within 90 days, its been 4 years ....!!!!! Please help me resolve this, they refuse to budge on there standings and they are wrong on so many levels in this for letting a collection account gain interest and fines and penalties for 4 years and then try to take the last bit of my paycheck that puts food in my mouth. 

Company name is : National Recoveries , Inc . 
Department of education National payment center

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
In previous complaint XXXX, Ditech Financial apologized for its negligence in failing to obtain my authorization prior to restructuring my loan and increasing my monthly payment by over 10 % and stated the issue had been rectified. 

It has not. 

My monthly mortgage payment should be {$1100.00}, and it shows it was decreased from Approx. {$1600.00} to {$1200.00}. This did not return my account to its prior status, and Ditech did not fulfill its commitment to the XXXX as stated. 

In this complaint, I am seeking the following resolution : 1. For my account to be restored to its status prior to Ditech acting against my will 2. Ditech to rectify the claims made against me to the credit reporting agencies 3. Financial settlement on this claim. Ditech has failed to apply my payment to the lowest interest portion of my loan andninstead retained additional payments I made for over one year, which I understand violates their legal obligations. This decision, along with restructuring my loan, and the numerous complaints to seek resolution have caused me financial and emotional monetary loss. 

I await an immediate response from Ditech and resolution in-line with commitments made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation