vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2017-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently found 6 accounts has been listed wrongfully by XXXX, TRANSUNION and XXXX I have filed FTC report # XXXX and also i reported to local Authorities XXXX # XXXX accounts has been listed below as : ( ( 1- ) ) Account Name : XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 2- ) ) Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 3 ) ) - Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 4 ) ) -  Account Name : XXXX XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 5 ) ) - Account Name : XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 6 ) ) - Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : 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
Consumer complaint received 2017-12-26 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: EQUIFAX, INC.
State: NC

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2017-12-26 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: First Investors Servicing Corporation, Atlanta, GA Branch
State: TX

Complaint narrative:
XXXX is showing the XXXX XXXX XXXX/XXXX account as closed and should therefore be removed from the account. Furthermore, it is showing as having been showed to XXXX XXXX. I have never received documentation about this account being sold.

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 2017-12-26 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: NY

Complaint narrative:
I recently found 6 accounts has been listed wrongfully by XXXX, XXXX and EQUIFAX I have filed FTC report # XXXX and also i reported to local Authorities XXXX # XXXX accounts has been listed below as : ( ( 1- ) ) Account Name : XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 2- ) ) Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 3 ) ) - Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 4 ) ) -  Account Name : XXXX XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 5 ) ) - Account Name : XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 6 ) ) - Account Name : XXXX XXXX XXXXS XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is showing the XXXX XXXX XXXX/XXXX account as closed and should therefore be removed from the account. Furthermore, it is showing as having been showed to XXXX XXXX. I have never received documentation about this account being sold.

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 2017-12-26 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: VA

Complaint narrative:
I will like a bankruptcy that does not belong to me that is being reported on my credit report deleted .. I will like proof provided that this was under my name full ssn and address where I reside, I have resolved this issue with the other credit bereaus and this is not something I have filed and is linked to my credit profile, also I have inquiries that I do not recognize and will like them removed I have been a victim of identity theft and will like for these things to be removed I provided documents stating what they are thanks

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 2017-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation
State: TX

Complaint narrative:
I have tried to get a modification or forebearance or something to help me when I lost my job back in XXXX. I finally got a job in XXXX but was turned down twice for assistance. My problem is that twice I received letters asking me to send information to them so they can review for assistance. I am getting confused on what is going on. I feel I am being strung along. XXXX are and PHH are both not being honest with me on what is going on. I want XXXX XXXX investigated also.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a couple of hard inquiries that I have been trying to have removed. These inquiries are causing issues with me trying to attain new credit. I would like them removed please. I have called, emailed, and disputed as well as sending this. Please help me with this issue. 

XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2017-12-26 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: EQUIFAX, INC.
State: VA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2017-12-26 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: EQUIFAX, INC.
State: IN

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2017-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XXXX XXXX, XXXX, I submitted a complaint about American Express regarding my credit card account to the CFPB. This was a last ditch effort after over a month of trying to start a payment plan with Amex. 

American Express had threatened to ruin my credit. In that complaint, I proposed a simple repayment schedule - see Complaint Detail ( attached ). I have called and asked for assistance, payment plans, structures, etc. many times. I even wrote the president of the company. ( attached ) on XXXX XXXX, XXXX. 

After I contacted the CFPB, American Express sent me a response. Part of it is as follows : " We have not reported this account to the consumer credit reporting agencies We sent the enclosed letter to you XXXX XXXX, XXXX explaining that we will defer placement of your account with a collection agency providing that you contact us to agree upon an acceptable payment plan. Because this is a Small Business account, we have not yet reported this account to the consumer credit reporting agencies. '' Obviously, I have tried multiple times to contact American Express. This response does contain a bold face lie. American Express did, in fact, report this account to the credit reporting agencies causing my credit score to drop over 100 points. Please see attached screen shot from XXXX. 

American Express did follow through on their promise to ruin my credit even though I have done everything in my power to resolve the situation. This is the kind of bullying and bad faith business practices that should be no part of our financial system. 

I simply want to repay this debt over several months and have no negative credit due to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a couple of hard inquiries that I have been trying to have removed. I have tried multiple times. As well as an item on my accounts that is incrrect as well. These items are effecting my chances of getting and building any new credit. These items are incorrect and should no longer be on my reports Inquiries : XXXX  XXXX Account : XXXX XXXX XXXX XXXX Account Details Last Reported XXXX XXXX, XXXX Creditor Name XXXX XXXX XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XXXX XXXX, XXXX Closed Date -- Limit {$300.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
customer service would not help and take care of the negative inquiries reporting to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XXXX XXXX, I bought XXXX Litecoin on Coinbase for {$150.00}. On XXXX XXXX, I bought XXXX Litecoin for {$570.00}. On XXXX XXXX, I bought XXXX Litecoin for {$1200.00}. The total comes out to be {$1900.00}. When I tried selling all XXXX of my Litecoin, Coinbase told me that I had to verify my identity before I could continue. What does n't make sense is that Coinbase sent me an email saying " your identity has been verified '' on XXXX XXXX. I filled out all of the fields correctly and the app said it could not locate my ID and that I had to wait 24 hours to try again. However, after a week of trying to " verify '' my already verified ID, it still would n't let me buy or sell Litecoin. I submitted multiple support tickets and tried calling them, but received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo Loans ( XXXX XXXX and XXXX ) were originated by Wells Fargo and its affiliates XXXX witjout my knowledge or consent. I tried repeatedly to inform Wells Fargo that the loan was not mine and that Innevercsigned fircduchba  loan. They responded repeatedly that the loan is valid. I have decided to file a police report ( attached ), completed a notorized identity theft package showing my writing samples and signatures ( ttached ). I am attching the origination documentation with original signatures and handwriting as provided to me by Wells and XXXX. It is clear that my signature and handwriting do not match the application. Wells knows the individual who committed the fraud and Wells are in contact with the party. The party has indicated to Wells repeatedly that they accept responsibility. Wells continues to hold me responsible and has left me no choice at times but to pay this fraudulent loan to protect my credit but I can no longer do do. I have spoken to Wells Executive office and filed the fraud package. Wells knowingly has a loan that was falsely originated and have collected against that loan from me unjustly even though they know the perpetrator of the fraud and now have proof that I did not originate the loan.

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 2017-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: MN

Complaint narrative:
In or about XXXX of XXXX I contacted XXXX requesting my account number so that I could cancel services with them and move to another phone company. I advised the representative to cancel my account, this was before the next month 's billing cycle began. That same day I went to XXXX and ported my phone number to them, leaving XXXX and cancelling my account. I did not use any of XXXX 's services going forward. Yet it seems that after that month 's billing cycle ended they continued it, not cancelling my account as requested. They apparently billed me, despite my request and despite the fact that I could not use their services at all as I did not have a device connected to XXXX 's network even for 1 day during the new billing cycle as I was with XXXX pre-dating the new month 's billing cycle. 

Today I got a credit alert that a company is trying to collect this false debt, with fees. I do not owe a debt, and I take issue with this company as well as XXXX because I ensured carefully prior to the new month 's billing cycle to cancel all services and cut all ties with XXXX, it would 've been impossible for them to provide me with any services as well.

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 2017-12-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I have had an injury problem since XXXX which has reduced my ability to work. 
Consequently I have had problems paying certain bills, my Capital One bill among them. 
After several late payments and collection calls where I explained my situation I asked them to change my payment due date. 
They said I had to make a {$10.00} payment ( which I made on XXXX/XXXX/XXXX ) and call them back. 
When I called them back onXX/XX/XXXXthey said I had to make a {$50.00} payment ( which I did on XXXX/XXXX/XXXX ) and call them back. 
I* called them back on XXXX/XXXX/XXXX and asked, AGAIN, to have my due date moved to the XXXX of the month and they told me it 'd take XXXX MONTHS for it to be effective!!! 
Meanwhile my payments will continue to be late and they will continue to charge me {$35.00} each. 
Thus far they have charged me a {$35.00} late fee on XXXX, XXXX, and {$25.00} on XXXX, Never once when I was getting collection calls was I told by the bank that I could change my due date. That was wholly my OWN idea.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2017-12-26 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2017-12-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2017-12-26 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I was involved in an auto accident. 

Someone, not me, called an ambulance that I did not need or want. 

I received a bill that Equifax refuses to remove from my records

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have a account from XXXX XXXX # XXXX, XXXX/XXXX # XXXX, XXXX XXXX # XXXX That is still showing on my report that should already be deleted. My address is XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ALL THESE ADDRESSES ARE NOT ACCURATE PLEASE DELETE. 
I have a unverified public record that needs to be removed XXXX XXXX COURTXXXX DOCKET # XXXX it is not to my knowledge listed properly please delete error. Then there is this account XXXX XXXX XXXX XXXX # XXXX I do not recognize this company never had a contract for business and never heard of them please delete.

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 2017-12-26 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I just recently got the auto title loan due to rising medical bills. I was in this hospital for over 2 months, I 'm in XXXX, XXXX XXXX and have medical appts and tests that may XXXX XXXX XXXX XXXX due to being 7 days late on paying the payment. While at the grocery store with my son ( XXXX XXXX2017 ) we walked out and my car was gone. They simply told me oh I 'm sorry you should of called us but now you have to pay this fee and that fee which total to almost {$2000.00}. I told them its kind of hard to call when your in XXXX and cant talk because you have XXXX coming out your neck. They had 3 wrong numbers listed as my number when a gentleman called me on my cell confirming payment for the month prior. Thenthe following day they called me again to find out my payment status and I told them once again that I have my medical devices, medical papers and my social security forms in my car and my son and i walked home ( 4miles ) crying with groceries in our hands and it was 32 degrees outside the male told me well you can pay the repossession company to get your belongings back and the letter of intentions was already mailed out to you so are you going to pay the amount due which doubled over night. Im on a fixed income and now do n't have transportation period. But I will get my car back and will make sure these rude, uncaring and hostile employees keep getting in trouble for their deception ways

Company response to consumer: Closed with explanation