vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-13 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: MA

Complaint narrative:
During the month of XX/XX/XXXX, I purchased a car though XXXX XXXX. I looked at 2 other dealers but did not buy from them. At XXXX XXXX I selected XXXX to finance my car purchase. My credit now shows of 30 inquires over the past 30 days. Often 3 or 4 times by the same banks on the same days. I have posted them below. I have contacted Trans Union. The offered no help. They said they have no control over what banks inquire about my credit or when. I also called each bank. They all said they would have some call me back or assist. None of them have. For example, I spoke with XXXX 14 times. Each time they promised that someone would help or call me back. Please help.

TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX   XX/XX/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 2018-05-13 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: MA

Complaint narrative:
During the month ofXX/XX/XXXX, I purchased a car though XXXX  XXXX. I looked at 2 other dealers but did not buy from them. At XXXX XXXX I selected XXXX to finance my car purchase. My credit now shows of 30 inquires over the past 30 days. Often 3 or 4 times by the same banks on the same days. I have posted them below. I have contacted XXXX XXXX. The offered no help. They said they have no control over what banks inquire about my credit or when. I also called each bank. They all said they would have some call me back or assist. None of them have. For example, I spoke with XXXX 14 times. Each time they promised that someone would help or call me back. Please help. 

XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXXXXXXXX/XX/XXXXXXXX XXXX XXXX   XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 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: MA

Complaint narrative:
During the month of XX/XX/XXXX, I purchased a car though XXXX XXXX. I looked at 2 other dealers but did not buy from them. At XXXX XXXX I selected XXXX to finance my car purchase. My credit now shows of 30 inquires over the past 30 days. Often 3 or 4 times by the same banks on the same days. I have posted them below. I have contacted XXXX XXXX. The offered no help. They said they have no control over what banks inquire about my credit or when. I also called each bank. They all said they would have some call me back or assist. None of them have. For example, I spoke with XXXX 14 times. Each time they promised that someone would help or call me back. Please help. 

XXXX  XXXX Experian XXXX XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XXXX  XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX   XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XXXX  XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX   XXXX XXXX  XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX  XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX  XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XXXX  XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XXXX  XX/XX/2018 XXXX   XXXX XX/XX/2018 XXXX XXXX XX/XX/2018

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 2018-05-13 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: AR

Complaint narrative:
On XX/XX/XXXX18 I spoke with a representative at Equifax in the Fraud Department by the name of XXXX. I told XXXX XXXX had been a victim of identity theft and that there were two particular accounts I wanted to inquire about due to Equifax investigation being complete. The two accounts were XXXX XXXX  and XXXX XXXX which I was told the previous day that those accounts were validated from the creditor. I explained to XXXX that this was impossible, due the fact that XXXX XXXX whom is a 3rd party collector, is no longer in business, but yet somehow still appears on my Equifax credit Report. I explained to XXXX that neither Equifax or XXXX XXXX has been able to provide any original documentation or application containing my signature and that a Police Report including both of those accounts for fraud was filed and sent in to Equifax and already received. XXXX stated that EQUIFAX does not do any verification of any debts from the original creditors. I then explained to XXXX that under the Fair Credit Reporting Act section 611 ( 5 ) ( A ) states any item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item ( s ) of information from the file of the consumer, or modify that information, as appropriate, based on the results of the investigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. XXXX then stated that should would be to mail me out their companies procedure for how they validate accounts. I explained to XXXX that was necessary because I am very familiar with the Fair Credit Reporting Act. In addition, Equifax has also refused to block these Fraudulent accounts from appearing on my credit report within the 4 days of receiving my request without notifying or explaining any reasonable determination which violates the Fair Credit Reporting Act section 605 ( B ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Every time CFPB closes the file without any further investigation with the same practices as Equifax taking the word of a creditor over a consumer, XXXX goes into my consumer file making adverse changes. I do not owe XXXX {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 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: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
On XX/XX/XXXX I obtained a copy of my credit report. from all three reporting agencies. 
I found multiple incorrect Accounts that did not belong to me and incorrect personal information. 
Including this Account : Portfolio Recovery Associates {$140.00} Opened XX/XX/XXXX On XX/XX/XXXX I Directly Disputed this account via certified mail. These disputes were sent to the Furnisher of the data and each CRA. 
On XX/XX/XXXX. XXXX addressed other issues but did not Validate the above account. 
XXXX failed to provide me with any of the information I requested. 

On XX/XX/XXXX I sent a Second Direct Dispute to the Furnisher. Informing them that the account had not been validated and again requesting information On XX/XX/XXXX I finally received a response from the furnisher including a computer generated form with no proof of ownership, account balance, or any information validating ownership of the account. 

On XX/XX/XXXX I reported the account as fraud to the Federal Trade Commission and mailed a fraud report to XXXX I also Faxed the complaint and spoke with XXXX on the phone. 

On XX/XX/XXXX XXXX acknowledged receipt of my complaint and without my authorization provided a personal fraud statement on my behalf, claiming it was mine, and opted me out of promotional offers, and provided my work cell phone number for all without my consent. they then sent letters to the other Credit Reporting Agancies instructing them to do likwise. 

On XX/XX/XXXX XXXX validated the account as accurate, again without providing me ANY Validated, or Verifiable information. 

On XX/XX/XXXX I sent one Final letter demanding compliance with the FCRA it has been nearly 6 Months and Neither XXXX  of Portfolio Recovary has made any attempt to provide validating information, and after receiving evidence that the account is fraud they continue to report it as mine. This has caused me financial damage and my next step will be a suit for violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
XX/XX/XXXX {$740.00} Never opened account with this company in XX/XX/XXXX ... ... I have tried several times to dispute this account but nothing works ...

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 2018-05-13 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
Because of the malicious, vindictive credit reporting of NAVIENT, this XXXX XXXX   XXXX XXXX XXXX has been caused to loose thousands of dollars. Additionally, NAVIENT, on the surface, appear to want the obligation paid twice, if not three times. 

THE COMPLAINT : CFPB is reporting to XXXX XXXX XXXX information that does not conform to known facts. The facts are these : 1. My son obtained Student Loans that went into default. 
2. Yes, I did co-sign one or more of the loans. 
3. NAVIENT has held collection authority.

4. All known loans in question have been released to XXXX.

5. XXXX has provided documentation for all interested parties ( XXXX XXXX, the three credit bureaus, XXXX XXXX, and now NAVIENT ) that all known student loans are being repaid under agreements recently ( 5 or 6 months ) made. 
6. NAVIENT adamantly REFUSE to correct their reporting in this manner to reflect the current status and their past role. 
7. NAVIENT know, knew, should have known, should have been advised, or should have sought out ability to correct their reporting system at the time XXXX reached an agreement with my son ; and, they lost ability to conduct any further collection activities, nor report anything other than the transfer to XXXX. 
8. NAVIENT continued, out of a vindictive want to impose pain and suffering to people under a guise of retained authority.

9. NAVIENT went as far as to convince others ( XXXX XXXX, all three credit bureaus, and XXXX XXXX, that me and my son was attempting to perpetrate credit fraud. 
10. NAVIENT continues to try and force collection ( by third parties, like XXXX ) through subliminal tactics of {$35000.00} when they are fully aware that the balance has been reduced to {$22000.00} as of XX/XX/XXXX. This may be categorized as a form of EXTORTION. 

THE PRAYER : CFPB will thoroughly investigate acts and actions of NAVIENT along the above charges, and compel them to correct all contemporary and future reports of this matter according to CFBB investigation results. Advise if Federal laws surrounding this kind of debt and debt reporting have been violated.

NOTE : NAVIENT was granted 48 hours to correct their reporting by U. S. Mail on XX/XX/XXXX. The smug remark made by the NAVIENT representative, and recorded by the XXXX XXXX representative is : It will take us four to six weeks. She did not seem to care that she was impeding a home purchase transaction. 

Support Docs : XXXX letter XX/XX/XXXX ; and, XXXX Student Loan Summary with six month payment history, XX/XX/XXXX NAVIENT XX/XX/XXXX update, XX/XX/XXXXXXXX  XXXX XXXX Review and Summary, XX/XX/XXXX Complaint to Credit Bureaus, XX/XX/XXXX Correspondence with XXXX XXXX XXXX, XX/XX/XXXX XX/XX/XXXX Guide to Navient Lawsuits,?? XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 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 — Problem with personal statement of dispute
Company: ERC
State: MI

Complaint narrative:
Hello. Ive recently disputed a account through XXXX that is unfamiliar and does not belong to me. 
The company iS XXXX XXXX XXXX in the balance of {$570.00}. Ive asked for them to verify this account and my results came back asverified as accurate They also didnt sent me the documents in their files to verify this account which from my understanding means it legally has to be deleted under the fair credit reporting act, 15 U.S.C 1681i. I ask that you please look into this account and help me by any means. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have several serious issues 1the amount credit usage 2 payment history 3 amount of times late 4 balance of payment left 5 deragoatory marks or statements not true 6 inquiries hard 6 fraud alert 7 amount of credit limit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 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 — Problem with personal statement of dispute
Company: STERLING JEWELERS, INC.
State: MI

Complaint narrative:
Hello. Ive recently disputed a account through XXXX that is unfamiliar and does not belong to me. 
The company iS XXXX XXXX in the balance of {$0.00}. Ive asked for them to verify this account and my results came back asverified as accurate They also didnt sent me the documents in their files to verify this account which from my understanding means it legally has to be deleted under the fair credit reporting act, 15 U.S.C 1681i. I ask that you please look into this account and help me by any means. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I submitted a dispute to Transunion on XX/XX/XXXX. It was concerning an old medical bill that had been paid by insurance in the amt. of {$120.00}. I did not hear anything from them. So on XX/XX/XXXX I sent them a letter telling them that I had not heard anything and I wanted it removed from my credit report immediately. On XX/XX/XXXX they notified me that they completed the dispute and it is staying on my report. On their own web page it clearly states that if they fail to complete the dispute within the 30 day period ... ... it would be removed!

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 2018-05-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have several serious issues 1the amount credit usage 2 payment history 3 amount of times late 4 balance of payment left 5 deragoatory marks or statements not true 6 inquiries hard 6 fraud alert 7 amount of credit limit

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 2018-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Was showing XXXX account was cancelled. I did not cancel this account. When they close it, it will stay on my credit report for 10 years. I dont want it canceled!!!!!!!! Trying to clean up credit. I DONT WANT THIS ON MY CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
I have been trying to work with Roundpoint Mortgage servicing company that holds the 2nd on my home over the last 7 years with no success. I was given misguided information from so many representatives. Everytime I try negotiating they send me a package in the mail and I complete and send back they say they didn't receive it. Finally after years I have a representative that is more familiar with these issues assist me. I assigned the company a power of attorney and they were at one point communicating with Roundpoint but then the representative became non responsive. Round point has not contacted me on the phone number they have on file or through email or any type of certified letters. Everytime I call them they say they will have a rep call me within 48 hours. I was recently sent a notice of default stating that XXXX XXXX XXXX who is the private lenders want to foreclose on my property. I have been willing to negotiate the balance for years and Roundpoint is not responding. I finally was able to get through to a rep this week and sent in the last 2 items they said they needed which I was never informed of. They also said I had to resend my authorization and hardship letter AGAIN because it " expired ''. The only reason it expired is because they would not call the POA or myself. Once again they said they don't have the POA on file so I sent it to them again on XX/XX/2018 with all the final documentation. They say it takes 4 business days to receive the images, which is also strange since they are faxed to them. I am willing to negotiate a balance and have always been willing but they were not working with me. Now that the house has increase in value they placed a notice of default so that they can force me out of my house. 

I am a single mom with an elderly mother that lives with me. I have a daughter that is going to college which I pay for, who's dad passed away 2 years ago. I pay for all the expenses in my household and any medical expenses for my elderly mother. If I am forced out of my house it will affect my entire family. 

I feel that Roundpoint Mortgage and XXXX XXXX XXXX ( who I believe had been bailed out ) is forcing me to go into foreclosure. I need assistance on how to handle 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 2018-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: FL

Complaint narrative:
Debt collector repeatedly calling my phone about a XXXX XXXX XXXX account that i dispute with the credit bureaus that another debt collector put on my credit report. that was deleted from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
PORTFOLIO RECOVERY is reporting a debt I do not owe. They have not been able to verify the debt according to the FCRA FDCP laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-13 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I have two unused XXXX XXXX gift cards which show XXXX balance bought from paypal_digital_gifts on XX/XX/2017, could you help me check this case? I suspect my gift cards ' information was leaked by paypal. 


Dates : XX/XX/2017 amounts : two {$150.00} XXXX XXXX Gift Card Actions : I contacted with paypal digital service and XXXX XXXX digital channel support, got the reply about " Unfortunately we are unable to assist with inquiries of this nature as we do not have access to end user information. ''

Company response to consumer: Closed with monetary relief