vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-23 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: IL

Complaint narrative:
The Summer of XX/XX/2018 I was denied a mortgage loan due to a charge off from XXXX XXXX credit card. I both mailed an account validation letter and disputed this debt with the credit bureaus and the credit card company several times. Only the credit bureaus responded that this debt was verified but showed no proof as I requested. XXXX XXXX still has not responded to any of my letters since XX/XX/2018. All I asked was that the credit bureaus show me how they verified this debt and what XXXX XXXX sent them as proof of my debt other than a bill that could be fabricated. I really need to know why I haven't been shown proof of this after multiple disputes and certified letters letters sent.

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 2019-03-23 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: World Acceptance Corporation
State: IL

Complaint narrative:
XXXX  of 2018 I was denied a mortgage loan due to a company named XXXX XXXX stating that I owed them a debt. In full disclosure I have used there service in the past and have paid them in full with no issues. I was surprised to see them multiple times and reached out to the company in person and via mail for validation of this debt. None has been provided. All three credit bureaus state that XXXX XXXX, XXXX, world acceptance etc. Has provided them proof of this debt and even they have not provided me proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
In XX/XX/2018 I responded to a letter I received from Wells Fargo that they were increasing my loan amount due to a shortfall they sited with my taxes. I am currently in a government program and have been paying my mortgage timely. My taxes were over stated XXXX year, but actually were decreased. I applied for a loan modification to try and get some relief on my second mortgage, and that's when I started to get the run around. First being sent to various agents, with no follow up, getting notices mt house would go into foreclosure, and then being asked for multiple documents -- with no end point in sight. 
Most recently I was asked for my divorce decree that has personal information with respect to my children. I asked for an explanation and never heard back. I could use some assistance. 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 2019-03-23 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: MI

Complaint narrative:
In 2017, I filed the proper ID Theft report # XXXX, including all required documents & affidavits, I even had Senator XXXX XXXX office contact the Credit Bureaus.After months and months of fighting and perseverance, the ID theft Accts were finally blocked. 

A XXXX card, which was the result of that ID Theft and was BLOCKED from my credit reports is back on m credit reports. 
As a result of the ID Theft I had requested XXXX to conduct a full and proper investigation and forward every document concerning this account and results of XXXX investigation. XXXX did none of this and I have received zero documents as required by law. 
However, and incredibly shocking These scumbags at XXXX continue to break and ignore the rules of law. XXXX has placed this account back unto my XXXX, Equifax and XXXX credit reports, dropping my credit score over XXXX pts, resulting in my insurance cost being raised. THIS IS THE ONLY NEGATIVE ACCOUNT REPORTING TO THE CREDIT BUREAUS. 
XXXX, EQUIFAX AND XXXX  MUST BLOCK THIS XXXX ACCOUNT again IMMEDIATELY. Otherwise I will hand this over to my attorney to file a lawsuit against XXXX, Equifax and XXXX in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 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: MI

Complaint narrative:
In 2017, I filed the proper ID Theft report # XXXX, including all required documents & affidavits, I even had Senator XXXX XXXX office contact the Credit Bureaus.After months and months of fighting and perseverance, the ID theft Accts. were finally blocked.

A XXXX card, which was the result of that ID Theft and was BLOCKED from my transUnion Credit Report is back on my TransUnion credit report.

As a result of the ID Theft I had requested XXXX  to conduct a full and proper investigation and forward every document concerning this account and results of XXXX investigation. XXXX  did none of this and I have received XXXX documents as required by law.

However, and incredibly shocking These XXXX at XXXX  continue to break and ignore the rules of law. XXXX   has placed this account back unto my XXXX, XXXX and TransUnion credit reports, dropping my credit score over 100 pts, resulting in my insurance cost being raised. THIS IS THE ONLY NEGATIVE ACCOUNT REPORTING TO THE CREDIT BUREAUS.

TRANSUNION MUST BLOCK THIS XXXX  ACCOUNT again IMMEDIATELY. Otherwise I will hand this over to my attorney to file a lawsuit against TransUnion in Federal Court.

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 2019-03-23 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: IL

Complaint narrative:
XX/XX/2018 I was denied a mortgage loan due to a company named XXXX XXXX stating that I owed them a debt. In full disclosure I have used there service in the past and have paid them in full with no issues. I was surprised to see them multiple times and reached out to the company in person and via mail for validation of this debt. None has been provided. All three credit bureaus state that XXXX XXXX, XXXX, world acceptance etc. Has provided them proof of this debt and even they have not provided me proof.

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 2019-03-23 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: IL

Complaint narrative:
Summer of 2018 I was denied a mortgage loan due to a company named XXXX XXXX stating that I owed them a debt. In full disclosure I have used there service in the past and have paid them in full with no issues. I was surprised to see them multiple times and reached out to the company in person and via mail for validation of this debt. None has been provided. All three credit bureaus state that XXXX XXXX, XXXX, XXXX XXXX etc. Has provided them proof of this debt and even they have not provided me proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 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: IL

Complaint narrative:
Summer of 2018 I was denied a mortgage loan due to a company named XXXX XXXX stating that I owed them a debt. In full disclosure I have used there service in the past and have paid them in full with no issues. I was surprised to see them multiple times and reached out to the company in person and via mail for validation of this debt. None has been provided. All three credit bureaus state that XXXX XXXX, XXXX, world acceptance etc. Has provided them proof of this debt and even they have not provided me proof.

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 2019-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA Bank ; with whom I Bank with, issued me my USAA automobile insurance check for a total loss accident. They did not want to close the account and tried to collect fees as if the account wasnt closed however I received the check and they must now close the account. They had someone contact me but they keep stalling after I received the check. Proof of this is the fact that they refused to upload the check on their app because it would show that the account had to be closed. Attached is proof of payment please make them close the account. They dont have integrity at this Bank. They keep taking money from my account for payment when the auto policy has ended and check was issued. Please read the check date. They must close the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 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: DISCOVER BANK
State: CA

Complaint narrative:
Purchased item ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) from XXXX on XX/XX/XXXX, item was marked delivered on porch and released by driver. I had not authorized XXXX to release the item at it was on their discretion to allow their carrier to do so. Contacted discovered initially on XX/XX/XXXX after I noticed the item had already been delivery, but I did not receive the package and wanted to start a dispute. Received noticed on XX/XX/XXXX from discover stating that the case was resolved in merchant favor and I should have received noticed via mail along with documentation. Called discovered on XX/XX/XXXX at XXXX and talked to a representative by the name XXXX , she stated that I should have received documentation via mail, but confirmed that discover failed to sent out the set of documentations and she would escalate the case again. On XX/XX/XXXX via the discover portal I was notified that the dispute was resolved in merchant favor even though the documentation was barely readable and still noted that the item was left at porch and released by the driver. No new information was provided by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synergetic Communication Inc
State: MA

Complaint narrative:
I have a statement dated XX/XX/19 from " XXXX XXXX ''. XXXX XXXX account number : XXXX. Current creditor is listed as " XXXX XXXX XXXX XXXX '', Original creditor being XXXX XXXX. This is part one of the concern : XXXX XXXX is stating they are authorized to accept settlement on this debt, however " current creditor '' is listed as " XXXX XXXX XXXX XXXX '' on the very statement that XXXX is stating they can collect settlement on. 

The situation is made more interesting by a letter dated XX/XX/19 from SYNCOM- Synergetic Communication , Inc. Account number XXXX. SYNCOM letter states current creditor is " XXXX XXXX XXXX XXXX '', Original creditor of course being XXXX. SYNCOM letter states " client '' account number is XXXX which does not match the XXXX XXXX account number so I can not resolve myself with the fact that SYNCOM sold the debt the XXXX XXXX or vice versa. 

This leaves me to believe both companies are trying to collect the same debt. the dates on the letters are too close and the account numbers do not match, so I can not assume this debt was transferred. 

The following amounts are being attempted to be collected from me : SYNCOM says I owe {$640.00} and will accept {$160.00}, IF received by XX/XX/19. 
XXXX says I owe {$1400.00} and will accept {$970.00} IF received by XX/XX/19. 

XXXX XXXX can be reached @ XXXX or XXXX   SYNCOM can be reached @ XXXX or www.syncomcorp.net thank you for your help in this concerning matter. I am concerned my debt is with multiple agencies and i believe this is a violation of the FCRA and more so I believe Massachusetts has its own protections against this, but I am filing this complaint for help to confirm this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 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: SC

Complaint narrative:
A company XXXX XXXX Account Info ) is reporting MY bankruptcy despite the fact they can not do it and verify it with my COMPLETE SS #. 

It needs to be deleted or they have to explain they HAVE my COMPLETE SS # and the Ss # they have actually is mine ( which it can not be ). 

They are supposed to verify this with the source ( not a computer screen ). They said they did yet the bankruptcy court responded to my letter and stated the court DID NOT confirm my complete SS # ( rephrase ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 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: I.Q. DATA INTERNATIONAL, INC.
State: WA

Complaint narrative:
IQ Data International, a debt collection agency lists an outstanding debt on my credit report which was disputed with XXXX, XXXX, and XXXX credit reporting agencies in XX/XX/XXXX and XX/XX/XXXX. The company failed to contact me or the credit reporting agencies within the requisite period of time per Fair Debt Collections Act. The debt still remains on credit files as unpaid and as a consequence has resulted in adverse credit decisions for leasing apartments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 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: FL

Complaint narrative:
XXXX, Equifax, XXXX  all show inquiries to businesses that I have never given permission to there were too many for me to list hard inquiries as well as soft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
The problem hasn't quite occurred yet, but I'm warding off trouble because I don't trust this company due to past experience. The company, Citimortgage, agreed to take {$5000.00} off the total loan after 5 years of on time payments and that will have occurred in two months - XX/XX/2019. I haven't heard how this will occur, but recently got a letter stating that my loan is being sold to another lender and I'm worried that this agreement will not be honored. I've misplaced their letter so I just today emailed them, through their website, asking them to send me another one and to call me between the hours of XXXX and XXXX XXXX at XXXX to assure me that they, or the new lender, will be honoring their agreement to take {$5000.00} off the total loan after 5 years of on-time payments which will occur in two months. I also requested the information in writing. I told them that if I do not hear that they will be honoring this agreement, how and when they will honor this agreement - in a timely manner, ie, by XX/XX/XXXXn - I will escalate a complaint to the Consumer Financial Protection Bureau forthwith. I decided not to wait till the 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 2019-03-23 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: FL

Complaint narrative:
Transunion, XXXX, XXXX all show inquiries to businesses that I have never given permission to there were too many for me to list hard inquiries as well as soft

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 2019-03-23 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: FL

Complaint narrative:
XXXX, XXXX, Experian all show inquiries to businesses that I have never given permission to there were too many for me to list hard inquiries as well as soft

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 2019-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I need to get my name straight on my credit report. XXXX XXXX XXXX is my name please remove any other name from my credit report it is not accurate. I have only one employer XXXX. please remove any other employer from my report they are not accurate. I have a few unverified account I am not sure how they showed up on my report never done business with these companies?? Please forward me the proper verification this is the third time I have complained about this accounts on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611 please remove the following account they are not accurate : 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
Consumer complaint received 2019-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I need to get my name straight on my credit report. XXXX XXXX XXXX is my name please remove any other name from my credit report it is not accurate. I have only one employer XXXX. please remove any other employer from my report they are not accurate. I have a few unverified account I am not sure how they showed up on my report never done business with these companies?? Please forward me the proper verification this is the third time I have complained about this accounts on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611 please remove the following account they are not accurate : 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 explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I need to get my name straight on my credit report. XXXX XXXX XXXX is my name please remove any other name from my credit report it is not accurate. I have only one employer XXXX. please remove any other employer from my report they are not accurate. I have a few unverified account I am not sure how they showed up on my report never done business with these companies?? Please forward me the proper verification this is the third time I have complained about this accounts on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611 please remove the following account they are not accurate : 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 2019-03-23 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: MARINER FINANCE, LLC
State: FL

Complaint narrative:
I sent the attached contract and bank check to Mariner Financial on XX/XX/XXXX and was signed for on XX/XX/XXXX. As seen on the attached contract and written on the check, if the check was cashed Mariner Financial would have 30 days to remove the trade line from my credit reports. As seen on the attached cancelled check, it was cashed on XX/XX/XXXX. As of today XX/XX/XXXX the trade line still remains on my credit reports. Mariner Financial has to remove the trade line from my credit reports immediately or I will bring a suit against Mariner Financial for Breach of Contract.

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