vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-12 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: Lending Club Corp
State: NV

Complaint narrative:
While reviewing my free annual credit reports from XXXX, XXXX, and XXXX, I noticed an open account with Lending Club from XX/XX/2018 that I never applied for or requested with a limit of {$8000.00} that have not been used. I am not sure if this is an error or a fraudulent transaction, but I also noted there were hard and soft inquiries from the same company on the day the account was opened, XX/XX/XXXX of 2018. The information listed on the XXXX  credit report is " XXXX/LENDING CLUB '' and account number " XXXX. '' I have no other information regarding this account because I have never received anything in the mail to my physical address or through my email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-12 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: TD BANK US HOLDING COMPANY
State: AL

Complaint narrative:
I noticed my credit report is showing a account from XXXX that does not belong to me I never did business with XXXX  never opened no account with them or anything. My identity was stolen and access to all of my information was compromised as well as a individual changing my security questions to gain access to my information. We found out that someone was stealing mail out of my mailing address mailbox. The address has mail coming from XXXX address to me but I never opened an account with XXXX  so I never opened any of that mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 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: CORELOGIC INC
State: NY

Complaint narrative:
There are 3 hard Inquiry on my file report on XXXX  that i have no knowledge of and never authorized. When I found out I had called each company to remove hard inquiry as I never signed anything giving anyone permission This is the list of the hard Inquiry pulls I would like removed : XXXX XX/XX/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 2019-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pinnacle Credit Services, LLC
State: MI

Complaint narrative:
I have a debt thats been showing on my credit reports for a couple years now. The original account appears to be utility services through XXXX in which I have never had service. I believe this may be a result of an identity theft that I wish to address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 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: NY

Complaint narrative:
I was looking at my equaifax score noticed 3 hard inquiry reports that i never authorized or signed off on. 

The following are XXXX XXXX XX/XX/2017 XXXX  XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 I would just like these removed from file as this was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A complaint was filed against Wells Fargo Bank # XXXX for the misapplications of my mortgage payments and for failing to apply the designated payments to my principal mortgage balance. Wells Fargo and XXXX XXXX  have put on two demands to collect {$76000.00}, to reinstate a loan where the borrower only owes no more than little over {$38000.00}. After writing and calling since XX/XX/XXXX, Wells Fargo essentially washed their hands of the loan and transfer the loan to XXXX XXXX and stated that they had no further dealings with the loan. XXXX XXXX has continued with the foreclosure sale dated for XX/XX/XXXX without any resolution to the original complaint, When a reinstatement was requested XXXX sent one out with the amount of {$38000.00}, XXXX XXXX Wells Fargo sent one out also demanding more money {$38000.00}, each institution has different wiring instruction for two different banks. 
This situation demonstrates no accountability and fraud on Wells Fargo part who seems to want to have it both ways. Wells Fargo written response clearly communicated that they were no longer the servicer and they had no intentions of rectifying the misapplied payments, yet they continue to use a questionable Trustee XXXX XXXX who the Secretary of State of California states they must use the word Arizona in their written communication which they refuse to do, now they are trying to collect more money than entitled to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
i have been working with XXXX XXXX and more recently i have had several conversation with XXXX XXXX Foreclosure closure expert and have talked to each other a lot. 
Wells Fargo told me last week that every thing was looking goo and to expect all to be settled soon, According to XXXX XXXX ( Wells Fargo 's lawyer? ) my house was sold XX/XX/2019????? 
I left voice mail with XXXX I wish they would just be honest with me XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 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: Innovis
State: NY

Complaint narrative:
I was looking at my XXXX  score noticed 3 hard inquiry reports that i never authorized or signed off on. 

The following are CBC Innovis XX/XX/2017 XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 I would just like these removed from file as this was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
While reviewing my free annual credit reports from TransUnion, XXXX, and XXXX, I noticed an open account with XXXX XXXX from XXXX 2018 that I never applied for or requested with a limit of {$8000.00} that have not been used. I am not sure if this is an error or a fraudulent transaction, but I also noted there were hard and soft inquiries from the same company on the day the account was opened, XX/XX/XXXX of 2018. The information listed on the TransUnion credit report is " XXXX XXXX '' and account number " XXXX. '' I have no other information regarding this account because I have never received anything in the mail to my physical address or through my email.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 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: NV

Complaint narrative:
While reviewing my free annual credit reports from XXXX, XXXX, and Experian, I noticed an open account with XXXX XXXX from XX/XX/2018 that I never applied for or requested with a limit of {$8000.00} that have not been used. I am not sure if this is an error or a fraudulent transaction, but I also noted there were hard and soft inquiries from the same company on the day the account was opened, XX/XX/XXXX of 2018. The information listed on the XXXX  credit report is " XXXX XXXX '' and account number " XXXX. '' I have no other information regarding this account because I have never received anything in the mail to my physical address or through my email.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
I have a debt reporting on my credit for medical debt that is not mine. I have no knowledge of this info nor do I recognize the remarks listed. This debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
*the attached screen shot shows the libelous remarks reported by navient after the loans were closed due to being pd in full through the consolidation* This company repeatedly puts remarks on my reports that are libelous and false. They have reported after my loans were Consolidated from them to another lender that I disagreed with the results of the investigation when in fact I did not. I feel that this is retaliation for me filing a previous complaint with this organization against navient and I'm about ready to allow my attorney to file a criminal suits against navient for libel and violation of the Fair Credit Reporting Act for reporting false information to the bureaus. I have asked this organization on numerous previous occasions to not report false libelous information to the bureau 's and yes they continuously time and time again do so which I feel is retaliation and I'm about to retaliate against them myself by way of a lawsuits and a very negative media campaign.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
BOTTOM LINE : PayPal opened an account in my name without my consent, is holding credit card reimbursements in that account and telling me I have to pay them a 1 % transfer fee to have the funds sent to my credit card. 

FULL EXPLANATION : PayPal used a reimbursement of {$1100.00} to my credit card through PalPal to open a PayPal holding account under my name without my consent. When I called customer service on XX/XX/2019 to ask that the holding account be closed and the {$1100.00} be reimbursed to my credit card, XXXX ( the customer service representative ) told me that I could transfer it back to my credit card for a 1 % transaction fee. When I objected, XXXX talked to her supervisor and told me the full balance would be returned to my credit card within 24- 72 hours. When I called back 48 hours later on XX/XX/2019 in response to additional reimbursements being held in the holding account, the PayPal customer service supervisor XXXX told me it was a " computer glitch '' and the " engineers were working on it ''. I asked to be reimbursed so that I did not had to bear the cost of the glitch. XXXX said he could not do that but that I could transfer the funds myself for a 1 % service fee. It is now XX/XX/XXXX and PayPal is still holding {$1100.00} the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Servis One, Inc., Titusville, PA Branch
State: CA

Complaint narrative:
Dear CFPB, I want to report that there has been FOUR different entities claiming ownership of the alleged Note on my XXXX XXXX XXXX XXXX XXXX, CA XXXX property in the last four months. These entities are XXXX XXXX XXXX XXXX XXXX, as Trustee to Series XXXX XXXX, XXXX XXXX XXXX, Trustee to the XXXX Trust X, XXXX, XXXX XXXX, and XXXX XXXX XXXX Trustee to the XXXX XXXX XXXX XXXX.

On XX/XX/XXXX I served a QWR and Debt Validation Demand Letter to XXXX XXXX the new servicer effective XX/XX/XXXX. Copy of QWR Attached.

Attached are the four correspondence letters for confirmation from the following entities including XXXX XXXX XXXX., XXXX XXXX and XXXX First, on XX/XX/XXXX, XXXX XXXX acknowledged that the beneficial interest was assigned to XXXX XXXX XXXX XXXX XXXX, as Trustee to Series XX/XX/XXXX-XXXX Trust. Also included on the correspondence was a Lost Note Affidavit dated and notarizedXX/XX/XXXX.

Second, On XX/XX/XXXX XXXX XXXX acknowledged that the current owner of the note was XXXX XXXX XXXX, Trustee to the XXXX XXXX XXXX.

Third, on XX/XX/XXXX, XXXX XXXX acknowledged that XXXX, XXXX XXXX was the owner of the note. In addition XXXX XXXX confirms that they have the collateral file, which includes the wet-ink signatures Note for this account. Copy attached to the Correspondence Letter.

Fourth, on XX/XX/XXXX, XXXX XXXX   acknowledge that the investor owner of the note is XXXX XXXX XXXX Trustee to the XXXX XXXX XXXX  Trust.

I'm demanding immediate cancellation of Trustee Sale scheduled for XX/XX/XXXX and rescission of all the fraudulent, forged, robosigned documents, assignments, notice of defaults and notice of trustee instruments recorded on my property XXXX XXXX XXXX XXXX, CA XXXX recorded at XXXX   County Recorders Office. Please email immediate cancellation of trustee sale confirmation to my email XXXX and respond to my QWR Demand Debt Validation letter pursuant to my FDCPA, TILA, RESPA, FCRA consumer protection rights.

attentively, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
*the attached screen shot shows the libelous remarks reported by navient after the loans were closed due to being pd in full through the consolidation* This company repeatedly puts remarks on my reports that are libelous and false. They have reported after my loans were Consolidated from them to another lender that I disagreed with the results of the investigation when in fact I did not. I feel that this is retaliation for me filing a previous complaint with this organization against XXXX and I'm about ready to allow my attorney to file a criminal suits against navient for libel and violation of the Fair Credit Reporting Act for reporting false information to the bureaus. I have asked this organization on numerous previous occasions to not report false libelous information to the bureau 's and yes they continuously time and time again do so which I feel is retaliation and I'm about to retaliate against them myself by way of a lawsuits and a very negative media campaign.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 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: WA

Complaint narrative:
In reviewing my credit report in XX/XX/2018, I learned a company, XXXX XXXX XXXX, had reported a debt in XX/XX/2018 and never contacted me. To this date, I have received nothing. I attempted to contact them as soon as I discovered the item on my credit report. I wrote to the address on the credit report and USPS returned the mail undeliverable. I submitted online disputes with XXXX and Equifax. No investigation responses were received from them either. I wrote to other addresses I found for XXXX XXXX  and have never received any response. I sent letters XXXX, XX/XX/XXXX and XX/XX/2018 to XXXX. The online disputes were submitted to the credit report agencies during that time and again recently. I have spoken with an attorney who states they are in violation of FCRA and FDCPA as this effects my ability to move to suitable housing and they did not respond within 45 days with verification of this alleged debt. My right to dispute this debt has been violated. I am being denied housing now in addition to the violation of my rights. To this date, no contact has been made by XXXX to contact me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
I have a debt collection for medical expenses that are not mine. I have no knowledge of the company reporting this derogatory account. I did not authorize these services nor do I recall this event.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 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: Navient Solutions, LLC.
State: KY

Complaint narrative:
The information of payments being late were in 2012 and it is being report as more current than this. The amount of derogatory information is causing me many problems on my credit report. I am wanting this to be removed due to the age.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 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: OH

Complaint narrative:
I had an account with XXXX XXXX XXXX that I paid on time monthly. Once I turned the car in, I submitted the final car payment. ( Final payment in XXXX- paid twice that month ). I was subject to fees ( over mileage and disposition ) which I ultimately paid as well but were not part of the revolving payment. 

XXXX reported to credit bureaus that I paid my monthly installment late and that I settled for less than the amount owed- both inaccurate. I can not get someone at XXXX to speak with me about this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
-After XX/XX/2018 XXXX XXXX did the loan modification for my real property XXXX XXXX XXXX XXXX XXXX , CA XXXX ( see XXXX   documents attached ) My account with XXXX  showing in current Credit report : -- Acc type : Revolving -- Terms : Revolving.

This is Not a revolving account, I can't take money out to use.

This report Hurt my credit rating and Fico core extremely

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 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: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
I had an account with Hyundai motor finance that I paid on time monthly. Once I turned the car in, I submitted the final car payment. ( Final payment in XXXX- paid twice that month ). I was subject to fees ( over mileage and disposition ) which I ultimately paid as well but were not part of the revolving payment. 

Hyundai reported to credit bureaus that I paid my monthly installment late and that I settled for less than the amount owed- both inaccurate. I can not get someone at Hyundai to speak with me about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 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: KY

Complaint narrative:
The information of payments being late were in 2012 and it is being report as more current than this. The amount of derogatory information is causing me many problems on my credit report. I am wanting this to be removed due to the age.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 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: KY

Complaint narrative:
The information of payments being late were in 2012 and it is being report as more current than this. The amount of derogatory information is causing me many problems on my credit report. I am wanting this to be removed due to the age.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 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: KY

Complaint narrative:
The information of payments being late were in 2012 and it is being report as more current than this. The amount of derogatory information is causing me many problems on my credit report. I am wanting this to be removed due to the age.

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