vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo issues me a credit card with a {$6300.00} credit limit that was never applied for. I have contacted them and opened an executive complaint ( XXXX ) and they admit they have no application for the account, but refuse to close it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I faxed the mortgage company XXXX XXXX XXXX the 2011 Chapter XXXX discharge court case last week. XXXX XXXX XXXX continue to report the mortgage loan on my credit report, and I was called today about the mortgage payment for the month of XXXX. They informed me that they are attempting to collect a debt. This liability was never reaffirmed and was included in Chapter XXXX, which as discharged in 2011. The representative from XXXX XXXX XXXX informed me that they are aware of the Chapter XXXX discharge, but that I still owe the debt since they hold the lien to the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: NJ

Complaint narrative:
I received a letter from XXXX XXXX XXXX XXXX dated XXXX XXXX, 2017 stating they have been contracted to collect a debt owed by me to Cavalry SPV I LLC and the original creditor is XXXX XXXX XXXX in the amount of {$740.00}. I have no contract with XXXX XXXX XXXX, Cavalry SPV I LLC or XXXX XXXX XXXX XXXX. I need this debt to be validated with a signed contracted not billing statements. Also, how can a debt collector collect a debt on behalf of another debt collector?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
in 2014 my information was used at a hospital for treatment. I submitted a dispute with XXXX explaining that in 2014 i was in XXXX and couldnt possibly be in a hospital. XXXX did not complete an investigation to verify if i was in XXXX, only submitting to the collections company to verify my info. This investigation took longer than 30 days and i did not receive anything back. i called back requesting this be removed from my report and was told they are not allowed to remove data, the only thing they can do is submit another dispute. Agent XXXX # XXXX admitted to not investigating my claims.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
in 2014 my information was used at a hospital for treatment. I submitted a dispute with XXXX explaining that in 2014 i was in XXXX and couldnt possibly be in a hospital. XXXX did not complete an investigation to verify if i was in XXXX, only submitting to the collections company to verify my info. This investigation took longer than 30 days and i did not receive anything back. i called back requesting this be removed from my report and was told they are not allowed to remove data, the only thing they can do is submit another dispute. Agent XXXX # XXXX admitted to not investigating my claims.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hello My Name is XXXX XXXX. I have read under the new law effective XXXX XXXX, 2017 any public records data must include name, address social security number and date of birth in order for it to appear in your credit file. The credit bureaus had not updated the information and per new law true bankruptcies listed does not include this information and should be deleted from my credit report. I 'm not sure whats going on but please help. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hello My Name is XXXX XXXX. I have read under the new law effective XXXX XXXX, 2017 any public records data must include name, address social security number and date of birth in order for it to appear in your credit file. The credit bureaus had not updated the information and per new law true bankruptcies listed does not include this information and should be deleted from my credit report. I 'm not sure whats going on but please help. Thank you, 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 2017-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
I do not have a contract with XXXX XXXX. I am not responsible for the collection for the debt with Comenity Bank. I am not responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Hillcrest Davidson & Associates
State: MD

Complaint narrative:
This is a complaint because of the very unprofessional manner in which I was treated over a debt that I do not owe. I am a XXXX year old, XXXX female veteran. I received a letter dated XXXX XXXX, 2017 on  XXXX XXXX, 2017 claiming I owed {$1900.00} for an unpaid debt ( Attachment 1 ). I called the company and was informed they could not find my case and transferred me to the supervisor. When I spoke to the supervisor he became belligerent and downright nasty. He made it very clear to me that he did not care what the problem was or my health but that I owed the money and could afford to pay. In the middle of the conversation he told me everything I said was recorded. I was asked if I had checked my credit recently. The supervisor went through my credit and told me I had the money and could pay. There was enough on my my credit cards that I could easily afford to pay off the debt. He offered me 7 months to pay {$1900.00} and then he reduced it to {$1500.00}. When I did not agree he returned it to {$1900.00}. I told him I owed IRS and he said he did not care. He did not care if I lived or died because I could pay the bill. I told him that I had sent papers to the second company canceling the debt. He said I had to send in a letter 30-60 days before time was up and it had to be sent in by certified mail to get a response. This is not true nor is it in the original contract which states I can do business by phone and does not mention certified mail. I told him I had talked with the second company and he said it did not matter. I explained my original contract was for 39 months not 60 months and he still did not care because the account automatically renewed itself with no notification to me. He belittled harassed and dogged me over my credit. I felt intimidate and bullied. The company he represents took over the contract from another contractor and never notified me of the takeover or offered me a new contact with better service. I only knew of a different address when I made a payment and I wondered why they had not received my payment ( Attached 2 ). I continuously complained about the service I received and had not used it for over 2 years. The present company and I did business by phone which is allowed in the original and contract I have. I asked to cancel the contract which the present company finally acknowledged by phone by calling me to resend them a copy of the original letter because they lost it, which I did ( Attachments 3 & 4 ). Names are on the fax with whom I spoke. The present supervisor refused to accept or believe what I told him. I deserve to be treated with respect. I do not owe the bill because the present company corresponded with me by phone. They called and asked me to send in the 2nd letter to cancel my contract after the date. They informed me my debt was cancelled by phone. No one told me I had to pay an outstanding amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: MI

Complaint narrative:
Home Point Financial 's servicing agent XXXX XXXX sent me a Notice of Servicing Transfer which was inaccurate. The servicing agent also made multiple misstatements which misstatements made it impossible for me to timely pay my mortgage and more difficult to make my mortgage payments at all. First, they admitted in my prior complaint that their escalation specialist incorrectly and deceptively told me repeatedly that I could only make my first payment by mailing a check. In fact, eventually I made the payment by means of a check by phone. Second, the same agent on XX/XX/XXXX lied by telling me that my first statement had been mailed to me on XX/XX/XXXX. In fact, the notice of servicing transfer is dated XX/XX/XXXX and the first statement was dated XX/XX/XXXX. Their agent simply said whatever he thought might get me off the phone and without regard to truth. Additionally, their servicing transfer notice deceptively says Home Point " began accepting payments from you on XX/XX/XXXX, '' but in fact, they said they were unable to accept a payment on my account during my call on XX/XX/XXXX. I had called twice between XX/XX/XXXX and XX/XX/XXXX trying to make a payment, but they could not even find my account the first time and the second time they found it but insisted I could not make a payment except by mail and with an invoice that they had not yet sent. Further, on this call, they confirmed my phone number, but I specifically told them I did not consent to atds or pre-recorded voice calls on my cell phone. Before I received my first statement in the mail, they violated the tcpa and called my cell phone with an atds and left a message for me with a prerecorded voice. This was a willful violation and is subject to a {$1500.00} statutory penalty. I never consented to auto-dialer or pre-recorded voice calls to my cell phone. Taken as a whole, their servicing is incompetent, untruthful, and illegal. I 'd like an acknowledgement of their servicing errors and misstatements, of their violation of the tcpa, and a credit of {$1500.00} to my account as a result of their willful violation of the tcpa.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
This company keeps providing inaccurate information about my student loan and sends inaccurate communications. They have repeated attempted to steer my loan into forbearance instead of refinance or a new payment plan. They send me erroneous communications and threats on a regular basis. I have had to block them from contacting me via my cell phone due to abusive practices. At one point someone even contacted my employer and tried to discuss my student loan with my supervisor. I need the abuse to stop. I filed bankruptcy but that wo n't make this loan go away. I am attaching just one of their communications, where they make a threat to report my loan to the credit bureaus. Firstly, they are already doing this, secondly, they state to call them by XX/XX/XXXX to discuss other options, but sent this message on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase does not offer any form of two-step verification for its regular checking and savings accounts. This leaves my money exposed to identity theft and fraud. A simple texted code to my phone is what my other banks and accounts are doing. One gave me an actual " token '' for my key ring with a code that changes every 60 seconds. I will be leaving Chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HW Holding, Inc
State: CA

Complaint narrative:
Earlier this year, 2017, Hunter Warfield contacted me regarding a bill with XXXX XXXX. I was confused. XXXX XXXX was to send me a bill. I asked Hunter Warfield to send me a bill. When the bill arrived by mail, I saw that XXXX XXXX had been sending the bill to the wrong address. I called XXXX and they said that they had already submitted to collection.There was nothing they could do. So for several months I tried to resolve with Hunter Warfield. They were rude, obtuse and finally I got to someone who could help me. I am on a limited income. Therefore, this was quite difficult. It was frustrating and unfair. I finally settled.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I still have tax Leins on my credit reports, that should have been remove by XXXX XXXX, 2017. They have aready been released from XXXX XXXX an Equifax, but no matter how hard I try to get them remove them they wo n't. I guess the credit bureaus are above the law. I have but up a hard fight to correct my credit, but feel I 'm fighting a losing battle. I 'm just the little guy trying to get things corrected, it 's not like I 'm asking for any favors. I just want them to follow the law, which I 've done extensive research on. I am XXXX and should n't be made to undergo this much XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: NY

Complaint narrative:
ENHANCED RECOVERY COMPAN XXXX XXXX XXXX  XXXX, FL XXXX ( XXXX ) XXXX Balance {$600.00} Highest Balance {$600.00} Opened XX/XX/XXXX ( 1 mo ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX I have no clue about this account. I contacted them about it. Nothing has been done about it. I was told the account was opened in XXXX and we are in XXXX. Why would it take 5years later for them to report this account. Its fraud

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Plus Inc
State: MI

Complaint narrative:
Just refinanced home IN XXXX 2017. Other companies keep on calling to refinance with them. Checked my credit report on XXXX XXXX, 2017 without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
Equifax has a late payment reporting error on my credit report for {$7.00}! It is the only negative blemish on open accounts for me. Everytime I try to send them a correction, their system crashes. It just about looks intentional

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
Called Barclay Bank when I saw a hard inquiry on credit report. The report said they checked my credit report on XXXX 2017. When I called they said they had no record of checking my report and told me to dispute it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I reached out to TransUnion, XXXX and XXXX about some inquiries that i had just noticioed on my credit report that I DID NOT AUTHORIZE. Transunion, XXXX and XXXX all told me to reach out to the companies that reported the inquiries. I did that. The companoes told me that there was nothing they could do about it and to speak with the credit beauruas. No one is trying to help me mean while these inquiries are on my credit trpoert without my authorization. The credit beuarues are suppose to do a thourough investigation but have not sone so. This is hindering me from living life. I am requesting that you look into this mattter and have the following inquiries removed AS SOON AS POSSIBL : XXXX XXXX XXXX ( XXXX/XXXX/2016 ) XXXX XXXX XXXX XXXX ( XXXX/XXXX/2016 & XXXX/XXXX/2016 ) XXXX XXXX ( XXXX/XXXX/2016 ) XXXX XXXX XXXX XXXX ( XXXX/XXXX/2016 & XXXX/XXXX/2016 ) .XXXX XXXX XXXX ( XXXX/XXXX/2016 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This complaint is against Trans union and not getting proper customer service. I wanted assistance with removing old student loan account which no longer belonged to me on the account they were all sold and the statue of limitations has passed. I was told by a rep. that the 7 year limitations did not apply to the items listed on my credit report. I asked could i speak with a manager. After I was connected to a manager I explained the issue and he hung up in my face.
I only ever had 2 student loans. The loans are showing 4 times. They have also been sold a few times and no longer belong to me under the account names nor do I have any agreement with any lender. I would simply like them removed.
I have attached the accounts and the tenure of the allotment by Trans Union to stay on my credit report over the 7 year limitations.
I also had to call a different number for Trans Union that was not listed on the website but given to me a by rep. I felt uneasy and not sure if i would become a victim of identity theft.
XXXX I am requesting the items removed : XXXX XXXX XXXX  Closed : XX/XX/XXXX XX/XX/XXXX ( 8 yrs, 4 mos ) + {$0.00} Closed XXXX Closed :XX/XX/XXXX XX/XX/XXXX( 8 yrs, 4 mos ) + {$0.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX XX/XX/XXXX ( 7 yrs, 5 mos ) + {$0.00} Closed XXXX XXXX XXXX XXXX XXXX  Closed : XX/XX/XXXX XX/XX/XXXX ( 7 yrs, 5 mos )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted a dispute letter to Equifax advising that the debt reported for {$200.00} by XXXX XXXX XXXX was fraudulent and that I am a victim of identity theft. I was originally made aware of my identity being used back in 2013 when someone filed a tax return under my social security number, name and other personal information. I filed a police report in XXXX, GA at this time. I submitted this proof to Equifax and also to XXXX XXXX and have also completed an identity theft affidavit along with my driver license and notarized statement. However Equifax continues to report this derogatory information on my credit file.
I spoke with XXXX at Equifax fraud department and expressed that I have never done business with the original credit XXXX XXXX and they this is a fraudulent crime. I have also requested validation of this debt from Equifax in which they have not provided.
Please see attachments that were submitted to Equifax and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation