vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-09 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Again, since XX/XX/XXXX, I have sent numerous certified letters to all three major Credit Bureau and XXXX XXXX for an alleged debt I believe, beyond a shadow of a doubt, was paid in full in XX/XX/XXXX. I even filed a complaint in XX/XX/XXXX with CFPB. To date, either the Credit Bureau or the Creditor have not responded or to update me regarding the investigation status regarding EXPERIAN : XXXX XXXX Acct No. XXXX. In XX/XX/XXXX, I contacted XXXX XXXX directly to obtain a clear title of my car which was paid in full in XX/XX/XXXX. At that time, XXXX XXXX XXXX did not make aware of any outstanding debt nor did XXXX XXXX advised of any late payment ( s )! I received the clear title in XX/XX/XXXX. The 60 months term commenced in XX/XX/XXXX and terms ended in XX/XX/XXXX. To date, I still have not heard from EXPERIAN of my dispute allegedly reported from XXXX XXXX XXXX. 

However the only response from EXPERIAN via CFPB : Asking me to deal with EXPERIAN directly and not through CFPB. Experian will verify the accuracy of the item and inform Experian of their results. When the investigation is complete, we will mail the results of the investigation to the current mailing address we have on file for you. To date, still no response from Experian.

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 2017-12-09 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: MD

Complaint narrative:
There have been several attempts ( letters sent with no response ) to get this information deleted. This account was paid back in XX/XX/XXXX and its still showing up as a collection/past due account with a reported date of XX/XX/XXXX. This account should have been deleted back in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: LA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX place an item on my credit for the amount of {$660.00}. I am not aware of the creditor. I have never received a telephone call from the collection or creditor. I also research and they are not licensed to collect in the state of Louisiana. This company has impacted my credit in the middle of me purchasing a home. This is unfair and injustice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: LA

Complaint narrative:
Hello, I am asking for assistant with Common Wealth Financial. I disputed this collection agency on XX/XX/XXXX and the month of XX/XX/XXXX. I am requesting a validation of the debt ( not a verification ) that I have a signed contract signed with Common Wealth Financial per Fair Debt Collection Practices Act laws. I also request a contract validation of my signature and their signature not a copy of a bill. If they can not provide documentation I request that this debt be removed from my credit file with all three credit bureaus, per Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: TN

Complaint narrative:
According to Tennessee state licensure verification, Enhanced Recovery is not licensed to collect in the state of Tennessee. I have requested verification to collect a debt in the state of Tennessee. I am requesting removal of this collection from my credit reports so that I can continue my quest of home ownership. Original request for verification was sent certified mail and received XX/XX/XXXX. This is also a debt that states it is from XX/XX/XXXX. The amount of the debt is {$740.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Try too contact credit company to remove inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 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: PRESTIGE FINANCIAL SERVICES INC
State: SC

Complaint narrative:
Try too contact credit company to remove inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 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: SC

Complaint narrative:
Customer service would n't take care of my matter remove inquiry from my credit report

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 2017-12-09 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: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
Customer service would n't take care of my matter remove inquiry from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 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: Credit Plus Inc
State: SC

Complaint narrative:
Customer service would n't take care of it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Note : This is separate from previously filed complaints and only refers to the two most recently made payments of XX/XX/XXXX and XX/XX/XXXX. 

Website login gave scheduled payments as above- XX/XX/17 and XX/XX/17. 

Both payments were submitted as scheduled and were properly receipted and reflected in payment history. 

However, neither affected the interest nor the principal balances shown, which remained unchanged. 

In addition, neither payment was reflected in reporting to consumer credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
Wells Fargo entered into a loan agreement with me in the county of XXXX XXXX at their XXXX XXXX branch in 1996. I paid my loan religiously and in the last year of the auto loan wells fargo reposesed my truck and auctioned it off. The truck loan was around {$15000.00}, and I had paid off more than {$12000.00} when they reposessed it. I never missed a payment, contact with wells fargo after that was obsolete, they would not talk or work with me or honor their agreement.

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 2017-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Receivable Management Services LLC
State: SC

Complaint narrative:
Try contact customer service would n't take care of my matter about remove this negative item from my report

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 2017-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Applied to XXXX for a credit card so I could trans act business on internet finally was promised a XXXX dollar sign up gift was denied because my bank chase bank is a backer of XXXX XXXX chase has been lowering my credit limit each payment I make so as to keep my account in a maxed out position and chase caused me not to fairly get a XXXX card so that can do commerce on the net I pay my bills even when they raised it to XXXX dollars a month and I have a 100 % payment rate XXXX and chase has conspired to dishonestly and illegally deprive me of credit when I have met all the criterion of a solid credit partner I was originally a XXXX XXXX member then was handed off to XXXX XXXX then a antitrust sent me to chase, this account has been the primary account of my entire life, I have not failed to conduct myself and my banking responsibility I am a Veteran of the XXXX and I think these institutions giving me a steady aggressive hit on my credit report is deplorable as well as a hard credit inquirey I have a home that is worth thousands of dollars and I own many expensive things how is it that I get all this grief for a lousy XXXX dollar credit line that diminishes every month, somebody at chase and XXXX is treating me poorly with zero justifiable cause please help me stop their dishonest business practices against me if you can help anyone it should be me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: World Acceptance Corporation
State: SC

Complaint narrative:
Try to contact customer customer service would n't help at all to removing item or help better way to solve problems over charging amount

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Plus Inc
State: CO

Complaint narrative:
Hard Inquiry - Information below : Credit Plus Inquiry from XX/XX/XXXX - XXXX. 
This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I have a late pay on XXXX 2017 I have sent them a letter explaining why the bill was paid late Still waiting to here back from them

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 2017-12-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Data Systems
State: NC

Complaint narrative:
My complaint is against Financial Data System. They keep reappearing on my Credit report and I do not owe any hospital bills. I have been XXXX since XX/2017 and also receive XXXX. I have never received validation of any debt and nothing that was signed off from original creditor. I do n't know if this was billed incorrectly, but I have XXXX and all my bills are covered. This company find a way to keep popping up on my credit report after being removed several times which is illegal. Once a collection has been removed off your credit report it is illegal for all credit bureau to allow them to be put back on. XXXX cover all my doctor visits, lab and any other test. I do not owe this bill it needs to be sent to 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 2017-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
On XX/XX/XXXX, someone accessed my PayPal account, attached a credit card to my account and withdrew {$500.00} and {$220.00}. 

I have notifications turned on and was informed of the transactions when I awoke. i called PayPal ( I was in XXXX XXXX at the time ). They activated their process on XX/XX/XXXX, and sent me an email with the following information. 
-- -- -- -- -- -- -- -- -- -- -- Transaction ID : XXXX Transaction date : XX/XX/XXXX Transaction amount : {$500.00} USD Recipient email : .. 
Transaction ID : XXXX Transaction date : XX/XX/XXXX Transaction amount : {$220.00} USD Recipient email : .. 
If we confirm the transaction ( s ) were unauthorized, we 'll refund you the full amount. Well also reverse any unauthorized activity or assist you in restoring your account. 
-- -- -- -- -- -- -- -- -- -- -- On XX/XX/XXXX, they sent me an email " Case update : XXXX '' stating Hello XXXX XXXX, We 've determined the payment ( s ) in question were unauthorized and have refunded the full amount. 

Here are the transaction details : Date : XX/XX/XXXX Transaction amount : {$500.00} USD Date : XX/XX/XXXX Transaction amount : {$220.00} USD On XX/XX/XXXX I inquired about when the funds would be restored to my account and they replied ( vaguely ) the next day. 
-- -- -- -- -- -- - We 've sent you a reply to your inquiry This reply can be found in your Secure Message Center Visit the Secure Message Center -- -- -- -- -- -- -- - The reply was a generic 'when you 're due a refund ' message that outlined that it took various amounts of time to get funds ( back ). 

It is now XX/XX/XXXX and they still have not restored the {$720.00} to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: WA

Complaint narrative:
Our mortgage was with Nationstar and was on Autopay. Our interest rate is low and we were constantly hounded by this company on a weekly basis to refinance. They called our cell phones, emails and mail profusely. We asked them to stop. They did not. The mail increased with weekly junk mail. In XXXX they sold our Mortgage to Mr. Cooper. We did not pay attention due to the fact that our payment was on auto pay. The impound account had increased and so they denied our payment. They called but we had the numbers blocked due to the constant commercials. They then put us in default. We caught this when they sent us a default notice. We immediately checked in to this and even paid the late fees. 
They sent us to collection and it lowered our credit scores over 120 points. We have never had a late payment for anything. We have always had sterling credit. Now due to such ridiculous business practices they have lowered our ability to get XXXX XXXX. I have contacted the company and they will not turn around the credit report. They do n't care about their fraudulent tactics of business. They said they tried to contact us when the auto payment was denied. I do n't know because they were so obtrusive with their harassing phone calls to refinance. I could not be more disgusted with a mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10 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: GREAT LAKES
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX loans was transferred to another company. all were transferred and there should be no late payments the loans were all deferred so there should be no negative impact as showing on my credit report. 

I need from XXXX proof from XXXX XXXX XXXX XXXX that this loan was late and how considering the loan was in deferment the whole time of the loan. So there are errors on XXXX  reporting of this loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My savings account charges {$5.00} fee per month, if my balance is below {$300.00}. I can only afford to save $ 10-20/month. 

My income is low, so its going to be awhile before I can get my balance above {$300.00}. 

This is the Way 2 Save plan at WellsFargo.

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
Consumer complaint received 2017-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One denied access to my account through the XXXX app.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
According to the lawsuit there are to 2 CREDITORS There 's XXXX XXXX XXXX & BLITT AND GAINES , P.C . I do n't know who the DEBT originated from. I only get XXXX hours with XXXX 'S with a wage of only {$9.00} per hour! I never worked for XXXX XXXX XXXX, Also XXXX XXXX XXXX & BLITT AND GAINES. P.C. is asking to me to pay {$6800.00}! That 's equivalent of earning {$4.00} per hour! I pay an AUTO LOAN about {$450.00} per month. So that 's $ XXXX- {$450.00} per month and the leftover is {$390.00} per month or Annual Salary of {$4600.00}. Since this is my livelihood is {$4600.00} per year ; I will get a negative balance of {$4600.00} - $ XXXX= -XXXX! I ca n't pay the $ ( -XXXX ) since I am negative!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I received the letter on XXXX XXXX 2017 and disputed the debt of {$680.00} with XXXX XXXX XXXX, as I have no knowledge of it. Reference number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Where is my credit report from these clumsy derelicts at equifax. I faxed them my information, copy of my last electric bill. Copy of my refund from my last landlord in XXXX, ca. I refused to give these clumsy derelicts my social security number on paper. These incompetent clowns send my wife a free report WITHOUT her actually asking. How ignorant is that?! # Where is my free report that should of been sent weeks ago. Especially since there sloppy website does NOT let me create a account. There generic XXXX website. Will not recognize me. NOBODY competent, marginally intelligent there fix simple blunders they self created. Futile calling all those sloppy unanswered phone numbers, getting jerked around it 's the wrong dept?! # Long wait times, incorrect options, evasive blunders with there sloppy robot generated numbers. WHERE IS MY CREDIT REPORT?! #

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-10 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX loans was transferred to another company. all were transferred and there should be no late payments the loans were all deferred so there should be no negative impact as showing on my credit report. 

I need from Experian proof from XXXX XXXX XXXX XXXX that this loan was late and how considering the loan was in deferment the whole time of the loan. So there are errors on Experian reporting of this 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