vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-14 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: WA

Complaint narrative:
XXXX XXXX XXXX XXXX account still reporting incorrect shows last payment XXXX XXXX they also received and processed through my account XXXX XXXX XXXX {$27.00} in XXXX XXXX approximately the XXXX of the month they also accepted my payment of {$27.00} in XXXX XXXX processed through my account XXXX XXXX XXXX I then closed my account with XXXX XXXX XXXX XXXX account. I then on XXXX XXXX XXXX through their automated system paid my remaining balance to zero with the payment of {$21.00} which was my final remaining balance. the confirmation number for the final payment bringing me to XXXX balance is XXXX on date XXXX XXXX XXXX payment has cleared my bank I received a letter today from XXXX XXXX XXXX XXXX card dated XXXX XXXX accepting the closure of my account by me and telling me I had a remaining balance of {$20.00} I paid that as I said XXXX XXXX XXXX I gave you my confirmation number XXXX this needs to be reported correctly account balance is XXXX and account is closed by me

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 2017-10-14 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: MO

Complaint narrative:
I requested an investigation into the following unknown and unauthorized credit inquiries listed on my Equifax credit report, yet they remain in direct willful and continual violation of the FCRA ( Fair Credit Reporting Act ). 

1 ) XXXX XXXX on XXXX/XXXX/XXXX 2 ) XXXX XXXX XXXX on XXXX/XXXX/XXXX 3 ) XXXX XXXX on XXXX/XXXX/XXXX 4 ) XXXX XXXX XXXX on XXXX/XXXX/XXXX Under the FCRA Section 604, please provide the following information : 1 ) Permissable Purpose 2 ) Proof that the consumer initiated the unauthorized inquiry 3 ) Written Authorization Failure to provide the above requested items as evidence that I authorized these inquiries is sufficient grounds for removal of the inquiries from my Equifax credit report. 

Thank You For Your Time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: CA

Complaint narrative:
I obtained my credit report from all three bureaus at the end ofXX/XX/XXXX. I updated and removed any information that was inaccurate on my report. I sent two certified letters to AFNI collections agency on XX/XX/XXXX asking them to validate the debt they are reporting on my credit file. I asked for original signature and the contractual obligation that connects me to this debt. The debt amount is {$980.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14 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: MO

Complaint narrative:
I requested an investigation into the following unknown and unauthorized credit inquiries listed on my Experian credit report, yet they remain in direct willful and continual violation of the FCRA ( Fair Credit Reporting Act ). 

1 ) XXXX XXXX XXXX on XXXX/XXXX/XXXX XXXX ) XXXX XXXX  XXXX on XXXX/XXXX/XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX XXXX ) XXXX XXXX on XXXX/XXXX/XXXX Under the FCRA Section 604, please provide the following information : 1 ) Permissable Purpose 2 ) Proof that the consumer initiated the unauthorized inquiry 3 ) Written Authorization Failure to provide the above requested items as evidence that I authorized these inquiries is sufficient grounds for removal of the inquiries from my Experian credit report. 

Thank You For Your Time.

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 2017-10-14 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: NY

Complaint narrative:
I cosigned a loan from XXXX XXXX XXXX XXXX XXXX XXXX " XXXX '' ) for my mom in XXXX. In XXXX, my mom stopped making payments. My mom did not tell me that she stopped paying the loan. XXXX did not call me or contact me to ask me to make payments even though it had my phone number. When I checked my credit report in XXXX XXXX, I found out about the missed payments. I immediately started making payments. On XXXX XXXX, XXXX, my mom passed away. My mom did not tell me that she stopped paying the loan. XXXX did not call me or contact me to ask me to make payments even though it had my phone number. When I checked my credit report in XXXX XXXX, I found out about the missed payments. On XXXX XXXX, XXXX, my mom XXXX XXXX. Shortly thereafter, I paid off the entire loan. At no point did I intend to not pay my debts. Once I knew a creditor was seeking payment from me, I started paying right away. Like a XXXX -- I 've always paid my debts. XXXX VIOLATED 15 U.S.C. 1681-2 ( A ) ( 7 ) ( I ) BECAUSE IT DID NOT NOTIFY ME IN WRITING OF ITS REPORTING OF NEGATIVE INFORMATION TO TRANSUNION BEFORE REPORTING THE NEGATIVE INFORMATION OR 30 DAYS THEREAFTER.

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 2017-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: MD

Complaint narrative:
Hunter Warfield has caused me much anguish by reporting an invalid debt to XXXX, XXXX, and XXXX for 5 years and 10 months. Hunter Warfield increases this invalid debt monthly. Hunter Warfield occasionally removes and then re-insert this invalid debt in order to illegally re-age this erroneous account. Hunter Warfield is reporting this item as an Open account. I never received notice of this debt from Hunter Warfield. After close to 6 years I applied for a home loan and was denied due to this criminal act by Hunter Warfield so I decided to check my credit file. This is when I noticed the Hunter Warfield account on my credit report. The amount was over {$7000.00}. I knew that this was wrong because I never had a debt of that magnitude. I did some research online and on XX/XX/XXXX decided to send a letter to Hunter Warfield asking them to either prove that the debt belonged to me or remove the illegal item from credit file. On XX/XX/XXXX Hunter Warfield returned a letter to me stating that a contract with my signature stating that I owe them the debt was enclosed in the envelope. It was not enclosed in the envelope. This was just another one of their deceptive tactics. They did n't enclose a contract with my signature on it because it does not exist.Not only has their wrongful reporting negatively impacted my life, it has also had a negative effect on my family as well.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: MO

Complaint narrative:
I was involved in an accident on XX/XX/XXXX2017. I was transported in an ambulance and was admitted in XXXX XXXX XXXX XXXX. The accident was covered under Workers Compensation XXXX XXXX XXXX XXXX XXXX and also my personal Insurance XXXX. The case was settled and all bills due have been paid. I informed the XXXX XXXX XXXX who treated me that its a workers compensation and to contact my lawyer.
Though the case has been settled and all bills paid I dont understand why i am being harrassed for this little amount and CACI keep sending letters over and over. They reported to my credit agency dropping my credit score drastically. This has prevented me from getting any credit card now. 

As note I sure want to add that XXXX XXXX XXXX staff members did not treat me well. I was diagnoised with XXXX and i XXXX XXXX XXXX XXXX XXXX XXXX they gave me. Though I informed the nurse it was there for couple of hours before someone cleaned it up. The phone was also not working for me to call my family members and inform them about the accident. 

Please do needful to stop this harrassment on injured worker.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14 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: WA

Complaint narrative:
XXXX XXXX XXXX XXXX account still reporting incorrect shows last payment XX/XX/XXXX they also received and processed through my account XXXX XXXX XXXX {$27.00} in XX/XX/XXXX approximately the XX/XX/XXXX of the month they also accepted my payment of {$27.00} in XX/XX/XXXX processed through my account XXXX XXXX XXXX I then closed my account with XXXX XXXX  XXXX XXXX account. I then on XX/XX/XXXX through their automated system paid my remaining balance to XXXX with the payment of {$21.00} which was my final remaining balance. the confirmation number for the final payment bringing me to XXXX balance is XXXX on date XX/XX/XXXX payment has cleared my bank I received a letter today from XXXX XXXX XXXX XXXX card dated XX/XX/XXXX accepting the closure of my account by me and telling me I had a remaining balance of {$20.00} I paid that as I said XX/XX/XXXX I gave you my confirmation number XXXX this needs to be reported correctly account balance is XXXX and account is closed by me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-14 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I sent payment of {$75.00} before the due date they have not received it. I sent it through Wells Fargo Bill Pay I sent a request they inquire about the payment. XXXX XXXX calls me every other day reguarding payment I informed them that I have asked Wells Fargo to investigate. I have even sent XXXX XXXX the case number. But they keep calling asking the same questions 1 ) my phone number, address, and about payment they keep saying they will make a note but they keep call asking the same questions.

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 2017-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
Hi, after I closed my credit card, I stopped receiving paper statements. As a result, I accidentally forgot to check when my payment was due until it had already been a couple of days. I was assessed a late fee even though I was never sent a statement.

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 2017-10-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I logged into my online account today to make a payment, today is Saturday, XXXX/XXXX/XXXX, I noticed that my balance on my 0 % interest was higher than my spreadsheet shows it should be. I found that the bank has charged a late fee on Friday XXXX/XXXX/XXXX for a payment that was due on Saturday XXXX/XXXX/XXXX. When I called them, after waiting an extremely long time on hold, the lady told me that this is because they do not process payments on weekends, so the late fees get charged on the last business day. This is a very old trick that I thought had been made illegal for them to do several years ago. She said that it SHOULD be removed on Monday, however, I do not trust leaving it up to them to do this. So, now I need to remember to log in on Monday to check this and to keep an eye on them each month. None of my other creditors have to charge a late fee before the due date and then remove it if you pay before the due date ... This should be illegal to do - if you do not process payments on weekends, then do not make the due date on a weekend. See, it is an easy fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
I had leased a XXXX XXXX XXXX in XXXX for 3 years with XXXX miles per year through Honda Financial Services. All the payments were made and nothing outstanding left on the bill. had the inspection done on the car on XXXX XXXX, XXXX. Then on XXXX XXXX, XXXX I returned my lease to the XXXX dealership. Apparently all was good received a copy of the odometer report which had over XXXX miles left on it, the only thing I received back was my handicap plate. On Friday XXXX XXXX, XXXX we received a notice from Honda Financial Services that stated - Once the vehicle is returned, you will be provided with an " Lease End Balance Statement '' reflecting the final amount due which may differ from this preliminary statement. We did not receive anything. They are requesting {$350.00} Turn In Fee. There is not and was not anything at anytime that reflected a return fee, it further stated that if I was to release a vehicle they would waive this charge. We are waiting to receive the actual bill however I am beyond words as to be being charged after paying my lease in full car returned in good shape and then a charge for returning the vehicle at the end of my lease. I understand that they give you 25 days to pay otherwise they sue

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I received a letter dated XXXX XXXX, XXXX from XXXX XXXX XXXX XXXX demanding payment of a debt. I responded in writing requesting this company validate the debt on XXXX XXXX, XXXX. Thirty days went by and there was no response then after an additional 14 days I received a letter on or about XXXX XXXX basically ignoring my request and repeatedly attempting to collect a debt. I have been under tremendous stress and mental drain dealing with the aftermath of Hurricane Harvey and the widespread tactics of scammers preying upon vulnerable people. So I again write another letter to XXXX on XXXX XXXX, XXXX asking them to provide the following information : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
Any other legal action by you or any creditor regarding this account Complete transaction history from inception of the account Correspondence address of alleged creditor. 
Prove the Statute of Limitations has not expired on this account Provide copy of your license to collect in my state Provide your license numbers and Registered Agent or Agent of Service The company ignored my request and instead sent another robot letter on XXXX XXXX, XXXX demanding payment on an unverified and unvalidated debt. These letters are causing me continued stress and strife in my already fragile life as I struggle with a XXXX XXXX and on the brink of taking long term XXXX. I believe my rights under the Fair Debt Collection Practices Act are being violated. I have the right to request validation of the debt this company alleges I owe. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I 'm not sure why any reputable company is unable or unwilling to comply with this simple request. 

I am not sure why XXXX is refusing provide any of the information I requested above on the alleged {$740.00} debt it is attempting to collect so I am requesting the assistance of XXXX to help with this matter. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
JUST ANSWER THESE XXXX QUESTIONS AND STOP LYING AND EVADING WHAT YOU DID AND DID N'T DO : Wells Fargo needs to answer these questions in full based on their last response to the same issue. Refer to CFPB # XXXX. 1. In their response to the above complaint is Wells Fargo denying ever sending me anything on XXXX XXXX, XXXX? 2. If not, are they only denying sending me a rejection letter on that date? 3. If yes to above, what do they claim they did send me on that date? And why did they send it and what records do they have in their possession to prove what they sent me? Please supply all documents to support the claim that something else was sent to me on that date. 4. Is Wells Fargo claiming they do n't have any records of sending me anything on that date? If so what records do they have to prove they sent me anything during the application process? 5. Wells Fargo either needs to admit they sent me something on that date via XXXX or deny sending me anything on that date. Since there are records of that transmission having been sent to me they must either acknowledge or deny it.

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 2017-10-14 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: NH

Complaint narrative:
Experian is showing an account in collections that has been paid. It is XXXX XXXX XXXX XXXX. I have disputed this but they have kept it on my report. I tried uploading the receipt showing it was paid but I am getting an error so I am uploading it here so they can see it.

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 2017-10-14 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: CA

Complaint narrative:
I sent the dispute letter below to Trans Union to correct the way items are showing on my report. I included pages from a prior credit report I retrieved on my own through a lender. When they went through their investigation, they now show one item " charged off '' for XXXX which is incorrect, it should be " paid '' and XXXX XXXX loans were paid off because I refinanced student loans that paid them off! They still reflect it incorrectly making it look like the accounts are still open which do affect my FICO accuracy with them. I want them all fixed per my original request. The XXXX one was the most shocking. Where did they get that info from stating it was charged off in 2016? It was not. It was paid and the company ended up being sold to XXXX who has been just awful. These bureaus need to be shut down because they 're incapable of keeping accurate records. I want both problems corrected to reflect " paid '' on all.

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 2017-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Dear XXXX, Trans Union, and XXXX! ( Including all other Credit Bureaus known and unknown ) Please provide the Consumers of America with the Original contract with wet ink signatures that granted you our Permission to hoard our personal information. Failure to provide this contractual agreement to each and every Consumer constitutes a privacy right violation according to the Privacy Act of 1974. The Privacy Act of 1974 also serves as a Public notice on the behalf of all Consumers in each State including the District of Columbia due to XXXX being a publicly traded company! We the Consumers have grown tired of the false and misleading practices you have portrayed!! Protraying False and Misleading Practices are also violations of FEDERAL LAW! 15 USC 1692 ( e ). All Consumers demand that all Personal information retained in your companies systems be removed immediately and damages of 10 Billion Dollars ( USN ) backed by gold be credited daily to each Social Security Number Available in your system. Consumer 's name and personal information ( which are copyrighted as intellectual property ) has been leaked by your company has continued too injured Consumers daily as your Systems are primitive in Nature!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
This is not an account I want nor need applied for

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