vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-06 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: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Due to Wells Fargo keeping the ID thief 's address and name to themselves for 8 years on my husbands account, the ID thief 's address is now on my credit report. I did not know this until XXXX sent me a copy of my excellent credit record. Perhaps this explains why fraudulent charges began occurring on my now CLOSED WF  credit card. And they are appearing on my 1st Bank statements in which I have to get new cards issued. The USPS delivers mail under my husbands name and now most likely mine to the incorrect address in XXXX, California. I have never had anything sent to me. I did send a notification to the XXXX, California post master general on this date for my husband, but I will have to correct to include my name, also. Wells Fargo denies any further fraud after their investigations. I will forward copies of all of it to CFPB.

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 2017-12-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: AmeriCash Holding LLC
State: WI

Complaint narrative:
Good Evening! 
I took out a payday loan with Americash Loans about 4 years ago. The loan was for {$500.00}! Now my wages are being garnished for {$3000.00}!! This is insane and not heard of. I had 2 other loans that I fell behind on and they stopped the interest and let me pay. I am just disgusted and cant believe they are able to do this! Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
This agency is currently reporting a debit on my credit report without proper licensing and documentation. I have written multiple letters directly to XXXX XXXX staying that I was unaware of the debt. I was not properly notified before the accounts were sent to collections. It also states in the letter that the information reported is incorrect please validate the debt and stop reporting until the debt is validated by myself/ please delete due to inaccuracy of reporting. Instead of deleting the accounts from my credit report due to incorrect reporting information and no proper notification of debt. They decided to update the incorrect information that was being disputed at the time. 

The state of Texas also requires a license or surety bond for debt collection purposes. National Credit Sysyems is currently collecting on credit report in the amounts of {$140.00} and {$500.00}. The address reported on my credit report is XXXX. XXXX XXXX XXXX, Ga. This company and address is currently not registered to collect from this address in the state of Texas. I would like these accounts to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 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: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
XXXX Wages were garnished and paid. However there is a {$9.00} balance on my Credit Report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Windham Professionals, Inc.
State: NY

Complaint narrative:
Debt collector called cell phone and Work which I ask not to 4 times and got threatened. Collector acted like a old girlfriend, I couldnt get information out of them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-06 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: CO

Complaint narrative:
Due to XXXX XXXX keeping the ID thief 's address and name to themselves for 8 years on my husbands account, the ID thief 's address is now on my credit report. I did not know this until Experian sent me a copy of my excellent credit record. Perhaps this explains why fraudulent charges began occurring on my now CLOSED XXXX credit card. And they are appearing on my 1st Bank statements in which I have to get new cards issued. The USPS delivers mail under my husbands name and now most likely mine to the incorrect address in XXXX, California. I have never had anything sent to me. I did send a notification to the XXXX, California post master general on this date for my husband, but I will have to correct to include my name, also. XXXX XXXX denies any further fraud after their investigations. I will forward copies of all of it to CFPB.

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 2017-12-06 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: DISCOVER BANK
State: GA

Complaint narrative:
There are multiple credit inquiries that I did not authorize on my credit report by the creditors. I sent letters to the credit card companies as well as the credit bureaus on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX notifying them that I never authorize my credit to be pulled. I sent to XXXX advising that the following hard pull inquires are not authorize by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My car was damaged at the dealership, XXXX XXXX XXXX on XXXX XXXX in XXXX, New Jersey. The car was financed by Bank of America and it had {$12000.00} in damages by the dealership employee with no valid drivers license. The car is a XXXX XXXX XXXX XXXX XXXX XXXX. The bank has refused to rescind the deal after my car was damaged by the dealership. The car should have been a total loss on XXXX XXXX. The car was fixed by XXXX XXXX XXXX at XXXX Collision in XXXX, New Jersey. My signature was forged on documents that i accepted the car back from the dealership. That is no true. The dealership committed fraud on me and the bank. That is not what I paid for when i bought the car on XXXX XXXX from XXXX XXXX XXXX with a XXXX mile extended warranty. I want this problem 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 explanation
Consumer complaint received 2017-12-06 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: GA

Complaint narrative:
An inquiry dated XXXX XXXX, XXXX is reporting on my credit. I did not authorize anyone employed by XXXX XXXX XXXX to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c )  and a serious breach of my privacy rights. I 've sent a certified letter to the address listed on my credit report to the address of the company which was return as an un-deliverable address. Did not receive a response or proper resolution. On my XXXX report the company name is XXXX XXXX XXXX, On my Expieran report the company name is XXXX, XXXX XXXX, XXXX XXXX 

Also, I 've called and sent XXXXx a certified letter to resolve my concern. The only thing I 've received were continuously refusal to rectify this error.

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 2017-12-06 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: Credit Plus Inc
State: SC

Complaint narrative:
There are 2 credit inquiries on my credit report with all 3 credit bureaus. I have never had an interest in credit cards nor do I have a credit card. These inquiries were not authorized by me. I have contacted XXXX XXXX who in return told me to contact the credit bureaus. Each credit bureaus has advised me to contact XXXX XXXX to have them removed. I have sent out multiple inquiry removal letters to each credit bureau via certified mail and to no avail of deletion. The dates that these inquiries were posted to my report is XX/XX/XXXX & XX/XX/XXXX. These inquiries were not authorized by me and I would like to have them removed. 

I also have a credit inquiry on my report from XXXX XXXX on XX/XX/XXXX that I did not authorize & I received the same feed back from both the company & the bureaus. I have been a XXXX cell phone customer since XXXX & I have no need or use for XXXX XXXX XXXX. 

I am not sure what XXXX XXXX is or the reason for them performing a Credit Inquiry on me but there is an inquiry on my report from this company on XX/XX/XXXX that I did not authorize. 

I have not authorized any of the above inquiries & I have not been successful in reaching a resolve with these companies or bureaus one on one. 

Their reportings are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waterfall Revenue Group
State: DE

Complaint narrative:
XX/XX/2017 While looking over my recent credit report, I noticed that XXXX XXXX XXXX located at : XXXX XXXX XXXX # XXXX XXXX, NJ XXXX ( XXXX ) XXXX is reporting a collection account on my credit file in the amount of {$91.00}, yet they are not registered with the State of Delaware 's Division of Corporations to collect on a debt in Delaware.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: FIRST CASH FINANCIAL SERVICES, INC.
State: OH

Complaint narrative:
On XX/X/17 I was informed via email from my former employer that the company card that I had lost was used that i was to remit payment for the transactions or they would file charges with the court. I recently moved to VA from Ohio, meanwhile the card was used in NY. The company has held my last paycheck and halted my XXXX pay out that exceeds the amount being asked for. telling me i only have XXXX hours before I 'm arrested. I had a breach with my personal bank account and I was not aware that it had also affected my assumed to be closed work account because I no longer work for the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I FINALLY FOUND OUT THE TRUTH! In XXXX I was approved for a loan mod with Chase Bank. I completed making my 3 trial payments to Chase and in XXXX of XXXX I call ; ed to make my 4th payment and Chase told me I was transferred to XXXX and that I would have to call them. I called them and they said that I would have to start the mod process all over again. I was DEVASTATED!! I tried to get the mod through XXXX but their system is slow, unorganized and unpredictable. They tried to utilize the NPV tool and input my wrong income. I sent them a pay stubs making XXXX per month and they input I was making XXXX per month and denied me because of income. On another occasion they stated they did not receive documents from me, however, I sent them every document they asked me for and I have records of me sending all the docs, timely. 

My real BLESSING came last week when I called XXXX to plead my case and see if I could short sale instead of foreclosure. I spoke to XXXX in customer service. She opened the file and blew it apart. She went back to XXXX when the file was sent to XXXX. She read all the notes and found that Chase did not send the mod package to XXXX so they had no record of it. Furthermore, she found that by the time XXXX recieved my package was in XXXX and the docs for the mod had expired. That is when XXXX stated the docs were expired and because they did not have my signature they were not going to honor my mod. IT TOOK ME 4 YEARS and a girl named XXXX to finally help me. I had no idea what the issue was. I am asking that Chase and XXXX honor my modification and apologize for the inconvenience they have both caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
My loan was recently transferred from XXXX XXXX XXXX to Rushmore Loan Management about a year ago. During that time XXXX sent me a letter that my loan was being transferred to Rushmore and the only thing I was instructed to do was submit my payments to Rushmore home loans, which I did. I received my statements for the first six months and made my payments on time. Shortly after I stop receiving my statements from Rushmore Loan Management. I called to notify Rushmore in regards to not receiving my mortgage statements, in which I 'm entitled. I spoke to a manager and notified him that I was not receiving my statements. The manager informed me that I was in a chapter XXXX bankruptcy, which was discharged XXXX years ago. I then asked the manager how I could start receiving my mortgage statements again in order to submit my payments in a timely manner, also, to have for my personal records. The manager told me to write a letter to give permission to Rushmore to send me my statements, which I did diligently. In addition, I attached my payment for XXXX XXXX. Rushmore sent me a letter in return that they received the letter I sent and payment, and told me they would get back to me in 30 days. Today XXXX/XXXX/XXXX I received a response in lieu of my request indicating that they are not able to send me my statements due to my Chapter XXXX bankruptcy. After my conversation today with another manager, they refused to send me my statements regardless of any legal documents and or receipts I send them. As a consumer I am entitled to receive my statements when submitting money to any company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HOVG, LLC
State: FL

Complaint narrative:
I have no affiliation with XXXX XXXX XXXX XXXX. 
They have no signed debt with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 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: GA

Complaint narrative:
An inquiry dated XXXX XXXX XXXX is reporting on my credit. I did not authorize anyone employed by XXXX XXXX Bank to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act XXXX XXXX ( c ) and a serious breach of my privacy rights. I 've sent a certified letter to the address listed on my credit report to the address of the company which was return as an un-deliverable address. Did not receive a response or proper resolution. On my Equifax report the company name is XXXX XXXX Bank, On my XXXX report the company name is XXXX, XXXX XXXX, Tire Dealers. Also, I 've called and sent Equifax a certified letter to resolve my concern. The only thing I 've received were continuously refusal to rectify this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA

Complaint narrative:
An inquiry dated XXXX XXXX, 2016 is reporting on my credit report. I did not authorize anyone employed by Springleaf Financial Service to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I 've sent a certified letter to the address listed on my credit report to the company and I 've never received a response or proper resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Management Services, Inc.
State: NE

Complaint narrative:
XX/XX/17 approx XXXX Credit Management Services located in Nebraska called my employer, masking their number and asked to speak with me regarding a {$250.00} medical bill. I have spoke with them on at least three other occasions, and asked that they not call me at work. I once again told them not to contact me through this number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Social Finance, Inc.
State: WA

Complaint narrative:
I have called SoFi multiple times and they refuse to put me on their do not call/ do not mail list. They say they do n't have my information in their system, but they clearly do as they are able to solicit me through multiple channels ( email, direct mail, etc ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 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: LA

Complaint narrative:
On XXXX XXXX, 2017. I received a copy of my Equifax credit report. I noticed an incorrect address as well as an incorrect Date of Birth. I had a total of XXXX inquiries that i did not authorize. I called each company and they had no knowledge of my request to open credit with them and advised me to contact the credit bureau. I called into Equifaxs customer service and spoke with a representative by the name of XXXX. Badge number XXXX. He argued with me that it was my correct date of birth prior to researching and seeing that i sent in a copy of my license for a previous dispute with them. He updated my date of birth but refused to dispute any inquiries or the incorrect address that is listed on my report. He kept informing me to contact the companies and i had advised them that i contacted each and were referred to them. I then asked for a supervisor. He basically told me that inquiries are something that they keep track of and had no way of knowing if they were fraudulently processed or not. He stated he would not dispute them at all. I asked him do what am i to do, since youve been reporting the incorrect date of birth, wont remove an incorrect address thats not linked to any account on my report or help me get these inquiries removed. I was advised again to contact each company and asked them to have them removed, yet in the same breath he told me this is something that Equifax generates on their own and had no way of communicating with the companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
This agency is reporting a debit on my credit report without proper documentation to collect. The State of Texas requires an ACTIVE license or Surety Bond to Collect a Debt. or report a debt in the State of  Texas. Please delete this account from my reports

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 2017-12-06 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
There are multiple credit inquiries that I did not authorize on my credit report by the creditors. I sent letters to the credit card companies as well as the credit bureaus on XXXX XXXX, XXXX XXXX, and XXXX XXXX notifying them that I never authorize my credit to be pulled. I sent to XXXX advising that the following hard pull inquires are not authorize by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX Barclays Bank XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 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: CITIBANK, N.A.
State: GA

Complaint narrative:
There are multiple credit inquiries that I did not authorize on my credit report by the creditors. I sent letters to the credit card companies as well as the credit bureaus on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX notifying them that I never authorize my credit to be pulled. I sent to XXXX advising that the following hard pull inquires are not authorize by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief