vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 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: AES/PHEAA
State: UT

Complaint narrative:
My brother opened this account in my name without my knowledge and has passed away. Now XXXX XXXX is coming after me and Ive never received nor did I apply for this account. The payments are minimal and I will pay it if they remove the negative marks on my credit as it is hurting me and I have nothing to do with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: CA

Complaint narrative:
My ex wife and I purchased our home in XXXX. The lender was XXXX. I was the XXXX XXXX at the time. I discovered the fraud committed in XXXX. It has been a nightmare ever since. We were modified in XXXX. We were forced to file bankruptcy in XXXX and was closed in XXXX. 
XXXX claimed to be a new servicer in XXXX, although we were in a bankruptcy stay they continued to harass and threaten foreclosure ever since. I explained to them that we had reconveyed already. Our statements were ignored they attempted to remove fraudulent from stay in XXXX unsuccessfully. Then XXXX XXXX claimed to be the servicer, although never seen an assignment. They tried to remove from my ex wifes bankruptcy in XXXX. Then Selene is now the servicer and have attempted to foreclose on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They Prestige Default Services are the self declared Trustee now and the loan numbers were changed as well as the TS numbers. Notifications were not sent. I sent them proof that their assignments were fraud and they ignored and continue to foreclose based on the direction of Selene Finance. See Attached Fraud from original HUD to Assignments as well as Notice of Default invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I bot Bitcoin in Coinbase. Before I deposit and buy Bitcoin. They never ask me document check. When I try to withdraw my money. They need me verify my ID. However, I tried to use my cell phone. My laptop, my desktop. My ID uploaded so many times, it is not working. They don't have physical address can solve the problem. Their chat is robot. Their tel number is robot too. They hold my money since XX/XX/2018 My point is if they can no allow withdraw. They can not allow deposit. They hold my money and extend the holding period. Now my money still can not withdraw

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion is reporting an account from XXXX XXXX that is reporting inaccurate information on my credit file. Transunion refuse to conduct a reasonable investigation into the erroneous reporting from XXXX XXXX. Transunion is reporting from XXXX XXXX an incorrect account status stating " Account included in chapter XXXX bankruptcy ''. 

As of XX/XX/2018, I do not have a Chapter XXXX or XXXX Bankruptcy listed on my credit report ( Public Records ).

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 2018-10-09 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: NY

Complaint narrative:
I was looking to my credit score this morning and amazingly I saw this hard inquiry on my report about capital one on XX/XX/XXXX and I never tried to apply for a credit or loan from that bank at all plz help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 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:
" I have disputed this charge off on XXXX XXXX for months. XXXX and XXXX have deleted them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. 
CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 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:
I have disputed the late payments on this XXXX XXXX XXXXXXXX XXXX And XXXX   XXXX for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo continued to pass me around within a 12 month period to different loan modification employees who requested the same information over And over again, everyone I spoke too had s different story. They provided confusing information. They kept delaying me and kept me on edge. A horrible business model.

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 2018-10-09 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: FL

Complaint narrative:
" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX for months. XXXX have deleted them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' "

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX for months. XXXX and XXXX have deleted them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' ''

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 2018-10-09 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: TX

Complaint narrative:
I Received my credit report showing a inquiry from SANTANDER CONSUMER USA from XX/XX/18 showing I applied for a Car loan. 3 years ago, I was a victim of identity where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any Car loan, and this Inquiry remark on my credit is causing many issues for me applying for a home which is affecting my score. I did not give this company permission to run my credit for any means necessary. I do not have any means of applying for a car loan as I am a single mom and could not afford and other dept The item is inaccurate, misleading, or incomplete, may have violated federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 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: GA

Complaint narrative:
I have disputed the student loan XXXX XXXX XXXX XXXX XXXX account with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NJ

Complaint narrative:
I recently repaid {$28000.00} in student loans to XXXX  XXXX XXXX. I told to the company that the payment should be applied to my two highest loans with the highest interest rates, which were each about {$14000.00} and around 5-6 % interest ( Loan sequence 7 and 8 on my account ). I told them this both by phone and email. I recorded the names, employee numbers, and dates of each call ( XXXX, Employee ID ( EID ) XXXX, and XXXX XXXX XXXX by phone on XX/XX/2018, XXXX by email, who did not provide an EID, on XX/XX/2018 ). 

Despite my repeated attempts, XXXX XXXX XXXX has refused to apply my payment to these loans. Instead, they have applied my payments " across the board '' to a number of smaller loans with lower interest rates. Essentially, they are forcing me to continue paying the higher interest loans, which will extend the life of the loans, the interest, and my repayment obligations. 

I have continued to contact them to rectify the situation without any success. They have refused to provide any confirmation that they have or will correct the error. Any help you could provide would be appreciated, I have detailed records to corroborate my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Louisiana Recovery Services Inc.
State: LA

Complaint narrative:
I have contacted the company several times about validating the debt or to remove the debt from my credit reports if they could not validate the debt. They have removed the debt from my other credit reports but not from my XXXX. I have sent numerous letters for them to remove and they have not.

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 2018-10-09 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX ( write-off, XXXX XXXX XXXX XXXX ( XXXX ) These accounts are inaccurate and false ... I reviewed my reports and was appalled ... this is in violation of F.C.R.A. law ... I settled the XXXX account ; therefore XXXX has no right to attempt to collect payment again ... this is unlawful, and I have contacted them and was informed that they did not verify this false debt, and that XXXX verification is often not accurate or updated, and that this is what yall use. Also, XXXX XXXX was paid in full ... I contacted them also and was told that they did not report this as a write-off, but reported it as positive ... there is a grave mistake on behalf of bureaus and I was told this occurs quite often, no contracts exist for accounts, please remove or litigation will surely follow ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I Received my credit report showing a inquiry from XXXX XXXX XXXX from XX/XX/18 showing I applied for a Car loan. 3 years ago, I was a victim of identity where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any Car loan, and this Inquiry remark on my credit is causing many issues for me applying for a home which is affecting my score. I did not give this company permission to run my credit for any means necessary. I do not have any means of applying for a car loan as I am a single mom and could not afford and other dept The item is inaccurate, misleading, or incomplete, may have violated federal law.

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 2018-10-09 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: TX

Complaint narrative:
I Received my credit report showing a inquiry from XXXX from XX/XX/18 showing I applied for a Car loan. 3 years ago, I was a victim of identity where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any Car loan, and this remark on my credit is causing many issues for me applying for a home which is affecting my score. I did not give this company permission to run my credit for any means necessary. I do not have any means of applying for a car loan as I am a single mom and could not afford and other dept The item is inaccurate, misleading, or incomplete, may have violated federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
I Received my credit report showing a inquiry from Exeter Fin on XX/XX/18 showing I applied for a Car loan. 3 years ago, I was a victim of identity where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any Car loan, and this remark on my credit is causing many issues for me applying for a home which is affecting my score. I did not give this company permission to run my credit for any means necessary. I do not have any means of applying for a car loan as I am a single mom and could not afford and other dept The item is inaccurate, misleading, or incomplete, may have violated federal law..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed the student loan XXXX XXXX XXXX XXXX account with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal

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 2018-10-09 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX ( write-off, XXXX  XXXX XXXX XXXXXXXX ( XXXX ) These accounts are inaccurate and false ... I reviewed my reports and was appalled ... this is in violation of F.C.R.A. law ... I settled the XXXX account ; therefore XXXX has no right to attempt to collect payment again ... this is unlawful, and I have contacted them and was informed that they did not verify this false debt, and that e-oscar verification is often not accurate or updated, and that this is what yall use. Also, XXXX XXXX was paid in full ... I contacted them also and was told that they did not report this as a write-off, but reported it as positive ... there is a grave mistake on behalf of bureaus and I was told this occurs quite often, no contracts exist for accounts, please remove or litigation will surely follow ...

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 2018-10-09 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX ( write-off, XXXX XXXX XXXX XXXX ( XXXX ) These accounts are inaccurate and false ... I reviewed my reports and was appalled ... this is in violation of F.C.R.A. law ... I settled the XXXX account ; therefore XXXX has no right to attempt to collect payment again ... this is unlawful, and I have contacted them and was informed that they did not verify this false debt, and that XXXX verification is often not accurate or updated, and that this is what yall use. Also, XXXX XXXX was paid in full ... I contacted them also and was told that they did not report this as a write-off, but reported it as positive ... there is a grave mistake on behalf of bureaus and I was told this occurs quite often, no contracts exist for accounts, please remove or litigation will surely follow ...

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 2018-10-09 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: GA

Complaint narrative:
I settled this with XXXX XXXX XXXX, XXXX has no right or valid contract, it is against the law to collect money twice ... 

XXXX XXXX XXXX has no right or valid contract, this was settled with XXXX XXXX XXXX, you can not collect money twice ... 

I contacted original creditors and was told that your system may not be updated or is in error ... XXXX   verification is faulty ... and they told me that they ( the creditors ) did not verify this to you ... 

please remove or litigation will follow, this is in violation of F.C.R.A. law

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 2018-10-09 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: TX

Complaint narrative:
I Received my credit report showing a inquiry from Ally Financial from XX/XX/18 showing I applied for a Car loan. 3 years ago, I was a victim of identity where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any Car loan, and this remark on my credit is causing many issues for me applying for a home which is affecting my score. I did not give this company permission to run my credit for any means necessary. I do not have any means of applying for a car loan as I am a single mom and could not afford and other dept The item is inaccurate, misleading, or incomplete, may have violated federal law.

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 2018-10-09 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: CA

Complaint narrative:
I have disputed the late payment status reported on the account XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP

Company response to consumer: Closed with explanation