vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-02 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: MD

Complaint narrative:
On XX/XX/XXXX I submitted correspondence by certified mail to XXXX XXXX because of suspected fraudulent activity by the bank. I have delivery confirmation from USPS that XXXX XXXX received the letter. They have refused to address my concerns by remaining silent and have continued to seek payment. I have revoked my signature on the application as a result of un-rebuttal about the matter concerning the fraud. Attached you will find an unsigned copy of the letter I submitted to XXXX XXXX on XX/XX/XXXX. Additionally I have submitted a sworn under oath, affidavit on XX/XX/XXXX, with delivery confirmation and PROOF outlining the fraud and revocation of my signature from the original application as the law permits under fraudulent acts. XXXX XXXX has continued to remain silent about addressing the bank fraud. As a result this account is null and void. Further credit reporting is in violation of the Fair Credit Reporting Act and all parties responsible being XXXX XXXX and XXXX, Equifax, XXXX, and XXXX will risk a lawsuit with the state and federal courts for damages of this illegal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 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: MD

Complaint narrative:
OnXX/XX/XXXX I submitted correspondence by certified mail to XXXX XXXX because of suspected fraudulent activity by the bank. I have delivery confirmation from USPS that XXXX XXXX received the letter. They have refused to address my concerns by remaining silent and have continued to seek payment. I have revoked my signature on the application as a result of un-rebuttal about the matter concerning the fraud. Attached you will find an unsigned copy of the letter I submitted to XXXX XXXX on XX/XX/XXXX. Additionally I have submitted a sworn under oath, affidavit on XX/XX/XXXX with delivery confirmation and PROOF outlining the fraud and revocation of my signature from the original application as the law permits under fraudulent acts. XXXX XXXX has continued to remain silent about addressing the bank fraud. As a result this account is null and void. Further credit reporting is in violation of the Fair Credit Reporting Act and all parties responsible being Ally Financial and Experian, XXXX XXXX, and XXXX will risk a lawsuit with the state and federal courts for damages of this illegal activity.

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 2017-11-02 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: Innovis
State: MD

Complaint narrative:
On XXXX XXXX, XXXX I submitted correspondence by certified mail to XXXX XXXX because of suspected fraudulent activity by the bank. I have delivery confirmation from USPS that XXXX XXXX received the letter. They have refused to address my concerns by remaining silent and have continued to seek payment. I have revoked my signature on the application as a result of un-rebuttal about the matter concerning the fraud. Attached you will find an unsigned copy of the letter I submitted to XXXX XXXX on XXXX XXXX, XXXX. Additionally I have submitted a sworn under oath, affidavit on XXXX XXXX, XXXX, with delivery confirmation and PROOF outlining the fraud and revocation of my signature from the original application as the law permits under fraudulent acts. XXXX XXXX has continued to remain silent about addressing the bank fraud. As a result this account is null and void. Further credit reporting is in violation of the Fair Credit Reporting Act and all parties responsible being Ally Financial and XXXX, XXXX, XXXX, and Innovis will risk a lawsuit with the state and federal courts for damages of this illegal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
I am being sued by XXXX XXXX XXXX XXXX XXXX for a debt that has been paid and is also now past the State of Colorado 's statute of limitations of 6 years. My " loan number '' XXXX is also involved in your suit against XXXX by CFPB. Your stipulation tells all lawsuits to stop any legal proceedings until all XXXX laons can be sorted out by an independent auditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 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: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
On XXXX XXXX, XXXX I went to XXXX XXXX XXXX XXXX XXXX of XXXX Car Dealer XXXX, MD XXXX XXXX XXXX XXXX. The amount borrowed was approximately XXXX. I had an excellent credit score when I entered the door. They told me they dealt with XXXX and would acquire the loan there. I told them I was going to check with my credit union and would probably get a better rate, which I did. XXXX was paid off with my new loan. I made a point of telling them I did n't want a lot of inquiries on my credit. I pulled up XXXX XXXX and found that my credit rating has been affected by the amount of Hard Inquiries they made. Is there anything that can be done about this? 

Inquiry details Wfds Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX from 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 2017-11-02 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: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
I submitted my information to XXXX to obtain pre-approval for a car. I did the same thing with XXXX XXXX and they did not pull my credit and submit inquiries as if I was actually buying the car. I have two hard inquiries on my credit from Ally, I was unaware of this and would like it removed as I did not authorize this inquiry. The dates are XX/XX/XXXX and XX/XX/XXXX. I am not sure why they did it twice anyway.

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 2017-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Accelerated Creditors Services, Inc
State: OH

Complaint narrative:
I have contacted this company several times to get validation of this debt they are saying that I owe. They have failed to respond. This is impacting my credit rating and I need this resolved or removed from my report immediately. I do n't know what this is for and I 'm trying to get a contract bearing my signature saying that I owe them anything so I can resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have attached a copy of XXXX XXXX XXXX and XXXX that is reporting on my credit report. This has been an on going issue for a year now with XXXX XXXX XXXX   reporting incorrect information on my credit report when a debt has been sold to another company. As you can see from the attachment two companies is trying to collect on the same debt. how do i owe XXXX and XXXX XXXX XXXX money. Also, you will see the inaccurate information reported on my credit report as late and how? How am I late owing your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 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: LA

Complaint narrative:
I noticed some unauthorized and unknown inquiries on my credit report. Please remove these unauthorized inquiries because they are negatively affecting my credit report. The unauthorized inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX co XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 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: NC

Complaint narrative:
False report of an illegal foreclosure as valid. They were notified of this in XXXX of XXXX. The foreclosure was illegal due to falsifying of documents and failure to adhere to law. On XXXX XXXX XXXX XXXX XXXX XXXX before the XXXX XXXX XXXX XXXX XXXX North Carolina of the violation of US Constitution Article 1 Section 8 by regulation amounts of money by entities that are not Congress. Elements within XXXX XXXX proceeded to disregard and proceed forward with further human rights violations. Furthermore, this all constitutes a violation of US Code 18 section 242, as well as many other international, federal, and state laws. 
The credit agencies have blocked online access and are not responding to letter mail either. The other agencies are also ignoring this matter. I am currently being automatically denied a place to live based on this illegal foreclosure and eviction. 
Do n't believe me, the email from XXXX XXXX XXXX explicitly does not authorize any of the other actions taken. 
Do n't believe me, get the recording of XXXX XXXX from the XXXX XXXX XXXX farce of an appeal trial where he admitted the matter had to be heard in federal court. 
Do n't believe me, look at NCGS 122C and see the requirements were not met. 
Do n't believe me, look at all the documents together. Ignoring this is not going to make it go away.

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 2017-11-02 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I sent a letter ( attached ) to all three credit bureaus asking them to validate 2 accounts on my credit report and to correct a duplicate account. 
30 days have passed and I have received no communication from any of the credit bureaus to acknowledge my dispute or to show that these accounts were researched and deleted for non-verification within the 30 day timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Delta Management Associates, Inc.
State: CA

Complaint narrative:
a company by the name of Delta Management Associate InXXXX send a debt collection letter to my job stating that I owe {$60000.00} in student loans and the social security number they have on this letter as well as the address are wrong and I have never lived at XXXX XXXX XXXXXXXX XXXX XXXX IL, XXXX, the SS # they have on this letter is not mines either XXXX. My name is XXXX XXXX but again this is not my debt I have never lived in Illinois and I do not have this social security number I called the company at XXXX XXXX but the refuse to hear me out stating that I need to have my employer call them and my employer did n't give me the letter the letter was mailed to me at my job. This is not right and I want them to get this corrected immediately. I would appreciate you assisting me with this complaint. thanks. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
Someone has made charges on my JCPenney Store Credit Card. I received an email on XXXX from Synchrony Bank the bank who extends credit for JCPenney stating I have a communication from JCPenney Credit Card. I havent used the card in at least 12 months so I knew something was wrong. I followed the link and tried to log in to my account and I was unable to do so. I called the number in the error message. It was the JC Penny Credit Fraud Department. I was completely worried at this point. I explained to them that the charges werent mine. The phone call was really choppy the entire time we were on the phone even though we were both on land lines. This concerned me but I asked a lot of questions because credit is everything in our society. Last Night XXXX I received an email with my statement balance. It stated I owed XXXX with a XXXX minimum balance with the due date of XXXX My concern when I talked to the representative I was told the charges would be reversed on the online order that was over XXXX dollars. I really just want to close the account after the two conversations I had with the fraud department, they are extremely rude and unhelpful, but I dont want to pay any charges for something I havent purchased. Again I havent use the card in at least 12 months. I dont shop at JCPenney I literally opened the account at the register when I purchased some work out clothing while in XXXX XXXX. I may have also purchase some XXXX XXXX XXXX XXXX a year ago but thats all. I can verify the dates of the above purchases because I cant log in to my account. I asked for a statement and I cant seem to get any answers. I asked if this may just be a mix up since a payment was made on the account in the amount of XXXX on XXXX XXXX. I heard that in my account summary when I initially called. The Fraud Departments manager refuses to help me she stated she closed the account but I would be required to pay the remaining fraudulent charges. I think this is unfair when they know I didnt make the charges, theyve credited my account for most of the charges except XXXX but they want me to pay the fraudulent charges by XXXXXXXX which is unfair because I didnt make any of the purchases. Please help me resolve the remaining balance on the fraudulent purchases and to close the account. I have attached the email I received and a copy of my drivers license to prove my identity.

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 2017-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
HI I HAVE A MORGAGE WITH MR.COOPER, MAY LOAN IS  CONVENTIONAL WITH INTEREST RASTE OF 7.875 %, MY MONTLY PAYMENT IS XXXX AND MY MATURITY DATE IS XX/XX/2022, I ASK FOR A PAYOFF QUOTE AND THEY GAVE ME XXXX BUT IF YOU DO A CALCULATION OF 53 MONTHS THAT I HAVE TO FINISH PAY, TIMES MY MONTLY PAYMENT THATS FIXED OF XXXX, YOU HAVE XXXX. 
I CALLED THEM TO KNOW HOW THEY CAME OUT WITH THIS AMOUNT AND THEY SAY THAT IS A TERMINATION FEE AND I HAVE TO PAY THE XXXX IF I WANT TO PAY OFF MY MORGAGE, AFTER I PAY THE AMOUNT THEY ASKING, THEY GOING TO REIMBURSE ME THE REST.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 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: LA

Complaint narrative:
I noticed some unauthorized and unknown inquiries on my credit report. Please remove these unauthorized inquiries because they are negatively affecting my credit report. The unauthorized inquiries are : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/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 2017-11-02 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I sent a letter ( attached ) to all three credit bureaus asking them to validate 2 accounts on my credit report and to correct a duplicate account. 
30 days have passed and I have received no communication from any of the credit bureaus to acknowledge my dispute or to show that these accounts were researched and deleted for non-verification within the 30 day timeframe.

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 2017-11-02 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I sent a letter ( attached ) to all three credit bureaus asking them to validate XXXX accounts on my credit report and to correct a duplicate account. 
30 days have passed and I have received no communication from any of the credit bureaus to acknowledge my dispute or to show that these accounts were researched and deleted for non-verification within the 30 day timeframe.

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 2017-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I have tried to delete this account from midland numerous of times. I do not owe midland funding any money. Their policy listed on the website says " per our policy, we will stop credit reporting on accounts that are more than XXXX years past the date of the delinquency so how do i still owe this company. Midland have also ignored my request for validation i sent certified mail ( i have attached the letter ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
LoanCare, LLCCustomer AdvocateAttn: XXXX XXXXXXXX. XXXX XXXXXXXX XXXX, VA XXXXI am writing to request correction of the error described below in regard to the mortgage on my property. Your company failed to credit the payment of $XXXX I made on XX/XX/XXXX via the USPS and XXXX XXXX XXXX  XXXX Cashier’s Check # XXXX (enclosure 1). Per enclosure 2, XXXX XXXX paid off my loan in full $XXXX onXX/XX/XXXX. On or about XX/XX/XXXX, your company issued an escrow refund of $XXXX.  I contacted your Customer Advocate team on XX/XX/XXXX to address this issue. A ticket # XXXX was issued for my complaint. I contacted your Customer Advocate team again on XX/XX/XXXX and XX/XX/XXXX.  As of the date of this letter, my complaint has not been resolved to my satisfaction.

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 2017-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
WellsFargo, I 'm getting really tired of the run-around. 2 years ago ( XXXX ) I was told by one of your bankers in XXXX, GA, that it would help me organize my finances to open more bank accounts- an extra checking, an extra savings, and a personal line of credit. I foolishly followed that advice, and ever since you 've nickel and dimed me with fees. ( $ XXXX service fee on checking, $ XXXX service fee on savings, then {$35.00} overdraft fees when you drain my account ) The past few months I 've tried multiple times to close XXXX of my accounts. I 've gone into a branch to close it ( in XXXX, at a branch in XXXX, AL ), only to be told that they could n't do it. I was told you could n't transfer money from one of my accounts to another. How is that even possible? These are Wells Fargo accounts and I was there in person to verify the transfer! So, I 've tried transferring the full balance of one of my accounts to another online, then calling customer support ( beginning of XXXX ). They told me they could n't close the account because the transfer had n't gone through. Well guess what, when the transfer does go through ( it took XXXX business days ) and I have a XXXX balance, you guys charge me fees so my account goes negative. As you might guess, that also makes it impossible to close the account. I 'm not enjoying this game and I 'm not sure I want to play anymore.

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 monetary relief