vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-11 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: VA

Complaint narrative:
In direct retaliation against me for escalating my concerns with their abuse of me as someone who received a predatory loan from them - documented in complaints XXXX, XXXX that XXXX XXXX XXXX XXXX has refused to provide response to, XXXX continues to harass and file false legal complaints against me as well as provide falsification of records and information to the credit reporting agencies. I have it well documented through electronic record in their systems as well as my recorded phone calls with their representatives that I repeatedly advised them that I was requesting a voluntary repossession and that it should be reported accurately upon voluntary surrender of the vehicle. For months on end ACA ignored me, refused to communicate with me and falsified records when I had no choice but to file a complaint with the CFPB because of their refusal to allow me to voluntarily surrender the vehicle. They have filed reports and statements to the credit reporting agencies stating that the vehicle was involuntarily repossessed ( all of my records, recordings and data prove otherwise ), along with them seeking action to recover {$31000.00} from me. XXXX is attempting to bully and silence me as they do other customers into dropping my complaints and organization into a class action lawsuit against their company for unfair and deceptive predatory lending practices, falsification of records and financial abuse of their customers and failure to provide any response to my repeated attempts to have them retrieve the vehicle. Even now, they refuse to provide response to the CFPB. Further investigation into their practices and data records is needed to validate the abuses they have taken against me. Their representatives and management team orchestrating the actions against me are adept violating the regulations and laws meant to protect customers from the crimes XXXX is committing. A review of their data records and all internal correspondence requested by the court will validate the information contained in my complaint along with the document upload I have provided that demonstrates their falsification of records and false reporting to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
I submitted a loss mit application XX/XX/2018 and submitted all documentation. I was then called almost a month later stating they never received any documentation and to resubmitted an application. When I resubmitted the application it was never submitted to the underwriter. I was never told that they wouldnt submit it. I was told there was no sale date. There is no notice of sale filed with the county.

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 2018-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
The collection agency mailed a collection notice on XX/XX/2018 to an address that I no longer reside. I did not receive the letter until 2 months after it was mailed because I have not resided at that address for more than 2 years. The debt is not mine and I do not owe any funds to the collection agency. I mailed the CA a debt VALIDATION ( not verification ) request letter via certified mail on XX/XX/2018. On XX/XX/2018, I received a letter from the CA in response to my request for debt validation. The company sent a copy of a bill that included my name, previous address, and dates during which I was not living at that address or in that state. Not only does this information fail to satisfy the criteria for proof of debt validation, but I believe this information was obtained under false pretenses. Much of my personal information was leaked in the recent XXXX  and XXXX  breaches. Anyone could have stolen my personal information from the internet and used it fraudulently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I was shopping in the XXXX XXXX, SC Home Depot Store, ready to checkout. I was asked to apply for the Home Depot Credit Card and would receive a {$25.00} credit. After a long wait the Clerk told me my application had been denied and I would receive a letter of explanation shortly. 
I received Home Depots letter dated XX/XX/2018 ( Exhibit A ). They gave the reason for denial Account in default with lender or affiliate of lender. I wasnt in default with anyone, so this vague information did not provide much information. 
On XX/XX/2018, I sent a letter to Home Depot Credit Services ( Exhibit B ). Under The Equal Credit Opportunity Act, I am entitled to know why my application was rejected ; I am entitled to be given a specific reason for their denial. 
I have reviewed my XXXX  Credit Report. I have a 100 % on-time payment history ; there was no evidence at all of any default with anyone. In addition, since there was to hit for a creditor inquiry, I suspect my credit was not even reviewed. 
I have never received a response from them ; the incorrect information and the vagness of the reason for denial seemed to close to discrimination. Given that 2 months has since passed, it gives me sufficient evidence to confirm my suspicion of discrimination.

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 2018-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Profit Services Group
State: VA

Complaint narrative:
Profit Service Group is reporting a collection on my credit report on a debt that was paid to the original creditor.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 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: FL

Complaint narrative:
XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX I have given more than 90 days for a response for validation and verification of any original contract with XXXX XXXX. By law Equifax nor this creditor has the right to list any bogus and erroneous account on my credit file without 100 % proper verification of having an original contract document. So I decided to file a complaint with FTC and also a lawsuit against your company at the XXXX XXXX County Civil Courthouse. 
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the  UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or removed immediately and permanently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The company is using other 's purpose letter to resolve these issue. This letter was never intended for vehicle loan verification and stop harassment since by California Law you're not supposed to contact me, so why would I stop calls for collections from a loan company? On the other hand, Why would I want to lose my vehicle and/or my loan thru Wells Fargo Dealer Services?. 
This letter was sent in response to Wells Fargo Checking and Saving accounts. My accounts were closed supposedly because I was overdrawn with money that the Bank posted on saving account when the check was presented for payment on checking account. Further details aren't necessary to share since this letter was only for that purpose and NOT to stop Wells Fargo Dealer Services calls and payments reminders, and so on. As you can see an error was made and I'm paying the price with late payments. Your crew should take serious responsibility with customers and don't forward letters to wrong departments and/or a totally different part of the Bank which is car loans. 

Attached files are the previous response. A response that was based on a letter that wasn't supposed to be forwarded to them. 

The previous request added below : I wasn't completely clear in my first complaint and resubmitted complain for which I'll be now. My concern isn't whether I paid late or not. This isn't an attempt to have my credit records cleaned up and bad information removed due to my own responsibility to pay on time, but a claim to have the company rectify its mistake and remove two 30s days late payment reported to the major credit companies because company didn't get in touch with client ( me ) to inform I was a month behind when making my monthly payments and had used excuse I opted out from being called by phone. But, letter communication, statements, robocalls, emails, still exist and the company didn't comply to use them. The company put me under do not call list and claim not to contact me to address my late payments issue because of this very reason. I did not ask them to put me in such list and I did not want them not to call me, for which I'm communicating with the company to resolve this issue, all damage that has caused me and to my credit file. I'll be contacting the attorney office, plus I'll sue the company for their mistake in all possible ways. I'll gather all the help I need to further assist myself in such matter to get the result I'm seeking due to their miscommunication and company ethical function and/or operational process with all customers.

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 2018-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: AZ

Complaint narrative:
I purchased 4 items from a retailer online using my PayPal credit account and they sent me 4 completely different items than I ordered. I reached out to the company and they never responded. I contacted PayPal to dispute the transaction. They claimed to investigate and informed that they would be supporting the company who defrauded me. As a credit account, it's disappointing that they do not protect consumers. I have requested that they close my account but still believe they should reimburse me for the {$120.00} that was stolen from me by the fraudulent company.

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 2018-07-11 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: Lending Club Corp
State: NY

Complaint narrative:
Several years ago, my information was stolen and a loan was placed in my name through Lending Club. However, Lending Club ( LC ) is still on my XXXX credit line. In addition, because of this identity theft that took place, I can no longer be accepted for a personal loan via LC. I am writing to say that : 1. LC needs to erase the false information from my XXXX  credit bureau history. 

2. I strongly believe that I did not get accepted for a personal loan this time around because of the past stolen identity that took over my personal & sensitive information. However, I appeal this decision. Instead, LC should re-consider the loan denial and give me an actual chance of paying them back. This is NOT fair to customers at all and I will be sure to spread the word to prospective customers about the injustice I have faced through Lending Cub.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Amex charges me a RENEWAL MEMBERSHIP FEE of XXXX on XX/XX/XXXX and canceled my account in XX/XX/XXXX. I didn't receive membership services for which I was entitled to as a member. I have contacted Amex on six different occasions to have this fee removed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-11 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: NY

Complaint narrative:
Several years ago, my information was stolen and a loan was placed in my name through XXXX XXXX. However, XXXX XXXX ( XXXX ) is still on my Equifax credit line. In addition, because of this identity theft that took place, I can no longer be accepted for a personal loan via XXXX. I am writing to say that : 1. XXXX needs to erase the false information from my Equifax credit bureau history. 

2. I strongly believe that I did not get accepted for a personal loan this time around because of the past stolen identity that took over my personal & sensitive information. However, I appeal this decision. Instead, XXXX  should re-consider the loan denial and give me an actual chance of paying them back. This is NOT fair to customers at all and I will be sure to spread the word to prospective customers about the injustice I have faced through XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
While checking my credit score this month I noticed for the first time on my credit report I had a negative item. When I looked it says it was a collection item from XX/XX/2012 that I never knew I even owed. I have perfect credit score with no negative items on my credit. I never once received any notice, call or  communication stating I owed this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
On XX/XX/XXXX, my XXXX check was deposited into XXXX XXXX and I was not aware that a Writ of Execution was presented against my checking account the same day. 
On XX/XX/XXXX, I notified XXXX XXXX XXXX, XXXX. that represent or the owner for XXXX XXXX XXXX XXXX XXXX that my monies are exempted ( XXXX benefits ), didnt received no information about a Writ of Execution ( XX/XX/XXXX for {$2500.00} ) or any bills due, statute of limitations have passed, bankruptcy was filed recently and violations of state and federal laws. 
On XX/XX/XXXX, I find out from Justice Court ( Received copies for Case No. XXXX - filed on XX/XX/XXXX -- closed on XX/XX/XXXX -No summons or complaint were issued ) that these are medical bills from XX/XX/XXXX in the amount of {$1000.00} that are not mine. Still today can not get my money out of my checking account due to violations from XXXX XXXX XXXX and XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
description : I got a leased car XXXX XXXX XXXX from XXXX XXXX   XXXX ( in XXXX NJ, ) and the financing company is XXXX XXXX XXXX located in California ( and of course the company holds the Title ) In New Jersey I can not get the. Car registration without the title But Id like to return back to the time of getting the car : - The dealer gave me temporary registration telling me you will get the registration by mail I wait for 3 week, never get it I contacted the dealer in person and by emails and phones but in vain Then I filed a complaint through XXXX, after that I received the registration And didnt notice that it is for one year only While the Lease is 3 years and in New Jersey it is allowed to get 3 year registration InXX/XX/XXXX the registration expired I didnt notice that till XX/XX/XXXX I stopped driving my car and Calle the dealer They told me it is not their responsibility and it is XXXX XXXX XXXX responsibility I contacted XXXX, and they told me that they will send me a power of attorney To apply by my self for renewal of car registration And up till now I wait,!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have 7 inquiries that are not mines. I called the credit bureau and creditor they said it on me. Theres nothing they can do I told them it was fraud. Said give me proof. They said they couldn't it must stay on for 2 years. I need to protect my identity. 
XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX   XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, TN XXXX  ( XXXX ) XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Mortgage Reporters XXXX XXXX XXXX, NJ XXXX  ( XXXX  ) XXXX   XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX  ) XXXX   XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX, NY XXXX  ( XXXX ) XXXX  XXXX   XXXX  XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, PA XXXX BYMAILONLY XXXX/XXXX  XX/XX/XXXX XX/XX/XXXX Department And Variety Stores - non specific XXXX XXXX XXXX XXXX, NJ XXXX  ( BY ) -MAIL

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 2018-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
XX/XX/XXXX Credence Resources has reported on my credit a balance of {$470.00} without any notice. I am requred by law for debt validation along with proof they are allowed to collect as they have never attempted to contact me before reporting this claim on my credit. I deny any ownership of this supposed debt. This is the second company to report on my credit regarding the same amount in which on XX/XX/XXXX and XX/XX/XXXX was removed for lack of proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have 7 inquiries that are not mines. I called the credit bureau and creditor they said it on me. Theres nothing they can do I told them it was fraud. Said give me proof. They said they couldn't it must stay on for 2 years. I need to protect my identity. 
XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Mortgage Reporters XXXX  XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, XXXX XXXX BYMAILONLY XXXX XX/XX/XXXX XX/XX/XXXX Department And Variety Stores - non specific XXXX XXXX XXXX XXXX, XXXX XXXX ( BY ) -MAIL

Company response to consumer: Closed with non-monetary relief