vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-23 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: MO

Complaint narrative:
I have contacted XXXX, XXXX, and Experian several times via phone and online on many occasions in regards to inquires that I did not authorize or was not familiar with.I get the same results, it makes look like i have been begging for credit and i have not.I am trying to get finance for something and it makes it difficult when they are checking credit and i inquires from places I didn't inquire credit from.I have disputed and reach out to the bureaus several times and they say the same thing over and over, The companies need to either send of validation or it needs to be removed. The following inquires that were not authorized are the following : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX I

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 2018-07-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
This is our second complain against Wells Fargo ( 1st complain # XXXX ). We Recently received a resolution letter from Wells Fargo saying that they are unable to approve us for a modification as per investors guidelines. I called cfpb spoke to XXXX and he stated that a response was received and that I was approved for a modification ; when in fact is not true.

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 2018-07-23 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 tried to no avail to get these fraudulent accounts removed off of Equifax. They have a glitch in their system they refuse to fix. These accounts are not mine and i have provided my case number to my fraud account from the police. These accounts are not mine and need to be removed : 1. XXXX # XXXX 2. XXXX XXXX XXXX  # XXXX and XXXX 3. XXXX XXXX XXXX # XXXX 4. XXXX XXXX XXXX # XXXX 5. XXXX XXXX XXXX # XXXX 6. XXXX XXXX # XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX # XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: IN

Complaint narrative:
I have been dealing with AES for years. Not only have they harassed my father and I regarding the loans, but this company is not helpful whatsoever when it comes to lowering payments or putting my account in forebearance. Every single employee I have ever spoken to has been incredibly rude and unhelpful. When I was pregnant my son last year, I had health issues that kept me from working after I delivered him. When I called AES requesting a forebearance or even lowering a payment ( in XX/XX/2017 ), the only response I received is no from the customer service representative. I never received a reason as to why I couldnt have my payments lowered or why I couldnt put my account into forebearance for a month or two,

considering i didnt have an income at all at that time. I can not afford these payments and I am exhausted trying to get this company to work with me. I am not ineligible for any 10 year on time forgiveness because I cant afford my payments. I currently pay {$220.00} a month. If i miss one payment, my next payment is almost {$450.00} ( which is what I currently owe ). That is unbelievable for anyone, let alone a single mother. Also, I dont even know where they got their balance from. I have looked over every single loan document on the loan database website, and I dont see how they got their amount they claim I owe them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Received a notice that a debt was owed to a property that I knew I did not owe. The property never contacted me after I moved out on good terms ; so receiving this notice from ProCollect Incorporated two years later made no sense. I mailed a dispute to ProCollect on XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX XXXX XXXX  and sent an email. On XX/XX/XXXX I was told by XXXX XXXX XXXX   that they would review their files and contact me. Meanwhile, I had already notified ProCollect that the debt was invalid on multiple occasions. Fast forward to XX/XX/XXXX and this debt was still listed on my credit report and no resolution had occurred. I contacted XXXX  in order to make a dispute. XXXX  's report after an " investigation '' was that the debt was valid. In XX/XX/XXXX I contacted XXXX XXXX XXXX again and spoke with a couple of different people trying to get this issue resolved, as the incorrect information on my credit report was impeding a move. On XX/XX/XXXX XXXX XXXX printed a letter for me stating that the information sent to ProCollect was incorrect. Neither XXXX  nor ProCollect fulfilled their jobs accurately. That is the reason for today 's 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 2018-07-23 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: NY

Complaint narrative:
I have been a victim of identity theft.

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 2018-07-23 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: NY

Complaint narrative:
I have been a victim of identity theft.

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 2018-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I recently had fraud on my account at USAA. Immediately upon speaking to the representative XXXX XXXX, she advised, my son was a victim of a scam. He deposited 2 checks and made a {$500.00} withdrawal. She said she had spoken with him and told him to just give the money back. Not once were we asked if he did it. Her mind was already made up before she spoke with either of us that he had done it. He had basically been tried and convicted before she spoke to him and not wanting to really hear what I had to say. Needless to say our claim was denied and I have to pay back {$500.00} plus fees for something we did not do nor did we get a fair chance. I keep finding out little pieces of what happened each time i call and speak to someone else. I have been with the bank over 15 years and this is how I am treated. Unfair and unjust. All I am asking is for someone to remove the tunnel vision and look at the history and patterns of my accounts. Everything we do is remote, online. I cant remember the last time I have actually went to the physical location let alone made a check deposit at an atm. Granted I do make cash deposits at the ATM, rarely but I do. However, I pretty much use the same ATM, which is the one located in XXXX XXXX. Again, this was not done by my son nor myself. Please look into this further. There should be video since it was done at an actual branch ATM. I will gladly view it and see if I can identify who made the deposit. All Im asking for is help getting my account credited back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase has called my job 3 times in attempts to collect a debt. I never gave them my job number but somehow they have tracked it down. I can lose my job for this. I would like for chase not to call my job. At this time I am enrolled in a debt consolidation program.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
For approximately XXXX-months, I have attempted to resolve a " Collections '' matter with XXXX XXXX   C/O Resurgent Capital Services XXXX XXXX XXXX XXXX, South Carolina XXXX. Currently, XXXX XXXX is attempting to extort approximately {$8700.00} from me. I have repeatedly sent formal letters to XXXX XXXX  demanding account proof of ownership. To-date, XXXX XXXX provided a copy of the first page of the monthly credit card statement dated XX/XX/XXXX. Moreover, statement did not identify me as the owner, albeit statement listed a former address. Pursuant of the Fair Debt Collection Practices Act, 15 USC 1692g Section 809 ( b ), XXXX XXXX must provide the original credit application with my signature, individual signed receipts for " ALL '' merchandise purchased and name, address, phone number and account number of " ORIGINAL '' creditor. I spoke to XXXX XXXX representative i, e, XXXX XXXX on XXXX XX/XX/XXXX @ XXXX. I was told " We are not required to provide detailed account information i.e. Original Application etc. '' I demanded all documentation in XXXX XXXX XXXX custody. After exchanging expletives, XXXX XXXX representative hung up the phone. Finally, I attempted to contact XXXX XXXX  XXXX ; however, account number provided by XXXX XXXX is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
On XX/XX/18, XX/XX/18 & XX/XX/18 23 I contacted XXXX XXXX XXXX XXXX XXXX ( MCM ) about a debt that came up on my Credit Report. On my Credit Report, the amount owed was reported as a loan, not as collections. This was reported on XX/XX/18 against my Credit Report. I spoke with several representatives on the dates above. I requested a statement from MCM that I owed the debt as well as validation from MCM that I owed the debt. No one at MCM could provide this to me. Additionally, several representatives told me they were not authorized to discuss my account with me and could not provide proof I owed a debt to MCM. 
MCM confirmed my mailing address ( as shown above ) was correct. However, I have not received any correspondence from MCM. This was reported on XX/XX/18 against my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( " FCRA '' ) Title 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to the following ; " a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' As such, please provide me with the details as to how the trade-lines listed above were verified. Specifically, I am seeking information as to the following : 1. The identity of the person who you spoke to on behalf of the original creditor ; 2. Whether any communication with the original creditor was in writing ; 3. Whether a UDF form used or whether this was made through electronic automatic dispute verification ; 4. Whether you contacted the original creditor at the same address/phone number listed on my credit report ; 5. The date of the commencement of delinquency ; and 6. The specific dates when these accounts allegedly became delinquent, and specifically when said items will be removed. Please provide the above-referenced information for each and every creditor listed above. As you are aware, Section 1681i ( a ) ( 7 ) requires that you provide this information within 15 days. ( " A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. '' Lastly, pursuant to Sections 1681i, subdivisions ( a ) ( 6 ) ( A ) & ( B ), demand is hereby made that you provide me a copy of my report, reflecting the results of your reinvestigation " not later than 5 business days after the completion of the reinvestigation. '' YOU HAVE NOT EVEN RESPONDED TO THIS REQUEST. Because of your inaccurate reporting, I have been deprived of a mortgage loan with terms that are acceptable or affordable. Specifically in regards to  the following tradelines. Public Record US BKPT CT NJ XXXX Chapter XXXX Bankruptcy XXXX This bankruptcy is not mine delete it immediately Account XXXX XXXX XXXX XXXX Provide me documentation that this is my account or delete it Account XXXX XXXX XXXX Provide me documentation that this is my account or delete it Account XXXX XXXX  XXXX Provide me documentation that this is my account or delete it Account XXXX XXXX XXXX Provide me documentation that this is my account or delete it Account XXXX XXXX XXXX Provide me documentation that this is my account or delete it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( " FCRA '' ) Title 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to the following ; " a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' As such, please provide me with the details as to how the trade-lines listed above were verified. Specifically, I am seeking information as to the following : 1. The identity of the person who you spoke to on behalf of the original creditor ; 2. Whether any communication with the original creditor was in writing ; 3. Whether a UDF form used or whether this was made through electronic automatic dispute verification ; 4. Whether you contacted the original creditor at the same address/phone number listed on my credit report ; 5. The date of the commencement of delinquency ; and 6. The specific dates when these accounts allegedly became delinquent, and specifically when said items will be removed. Please provide the above-referenced information for each and every creditor listed above. As you are aware, Section 1681i ( a ) ( 7 ) requires that you provide this information within 15 days. ( " A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. '' Lastly, pursuant to Sections 1681i, subdivisions ( a ) ( 6 ) ( A ) & ( B ), demand is hereby made that you provide me a copy of my report, reflecting the results of your reinvestigation " not later than 5 business days after the completion of the reinvestigation. '' YOU HAVE NOT EVEN RESPONDED TO THIS REQUEST. Because of your inaccurate reporting, I have been deprived of a mortgage loan with terms that are acceptable or affordable. Specifically in regards to  the following tradelines. Public Record US BKPT CT NJ XXXX Chapter XXXX Bankruptcy XXXX This bankruptcy is not mine delete it immediately Account XXXX XXXX XXXX  XXXX Provide me documentation that this is my account or delete it Account XXXX XXXX XXXX Provide me documentation that this is my account or delete it Account XXXX XXXX  XXXX Provide me documentation that this is my account or delete it Account XXXX XXXX XXXX Provide me documentation that this is my account or delete it Account XXXX XXXX XXXX Provide me documentation that this is my account or delete 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 2018-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( " FCRA '' ) Title 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to the following ; " a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' As such, please provide me with the details as to how the trade-lines listed above were verified. Specifically, I am seeking information as to the following : 1. The identity of the person who you spoke to on behalf of the original creditor ; 2. Whether any communication with the original creditor was in writing ; 3. Whether a UDF form used or whether this was made through electronic automatic dispute verification ; 4. Whether you contacted the original creditor at the same address/phone number listed on my credit report ; 5. The date of the commencement of delinquency ; and 6. The specific dates when these accounts allegedly became delinquent, and specifically when said items will be removed. Please provide the above-referenced information for each and every creditor listed above. As you are aware, Section 1681i ( a ) ( 7 ) requires that you provide this information within 15 days. ( " A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. '' Lastly, pursuant to Sections 1681i, subdivisions ( a ) ( 6 ) ( A ) & ( B ), demand is hereby made that you provide me a copy of my report, reflecting the results of your reinvestigation " not later than 5 business days after the completion of the reinvestigation. '' YOU HAVE NOT EVEN RESPONDED TO THIS REQUEST. Because of your inaccurate reporting, I have been deprived of a mortgage loan with terms that are acceptable or affordable. Specifically in regards to the following tradelines. Public Record US BKPT CT NJ XXXX Chapter XXXX Bankruptcy XXXX This bankruptcy is not mine delete it immediately Account XXXX XXXX XXXX XXXX Provide me documentation that this is my account or delete it Account XXXX XXXX XXXX Provide me documentation that this is my account or delete it Account XXXX XXXX  XXXX Provide me documentation that this is my account or delete it Account XXXX XXXX XXXX Provide me documentation that this is my account or delete it Account XXXX XXXX XXXX Provide me documentation that this is my account or delete 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 2018-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUSTMARK CORPORATION
State: NJ

Complaint narrative:
On XX/XX/18, I used XXXX  XXXX XXXX XXXX to send my mother money. The only option it gives you to send money to another person is to use XXXX. My mother could not activate and verify an account with XXXX. The day I transferred the money to my mother, she was had problems activating the account to accept the money. I called XXXX  XXXX XXXX and reported the issue. I was told by XXXX  XXXX XXXX if she is unable to accept the money the money would return in 14 business days. My mother never received the money I transferred. I never received the money back. I made several calls and filed several complaints with XXXX  XXXX XXXX. I tried reaching out to XXXX and they told me to call XXXX  XXXX XXXX. XXXX  XXXX XXXX reports that they reached out to Trustmark National Bank where the money was being sent and they refused to release the funds back. Even though the money never reached the recipient.

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