vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-27 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: TX

Complaint narrative:
I have  XXXX  account on my credit report that should not be on there never opened a car loan.        XXXX   XXXX   XXXX  Last reported :  XXXX   XXXX ,  2017  {$40000.00} Good  XXXX   XXXX   XXXX  Last reported :  XXXX   XXXX ,    2017  {$40000.00} Good This account is paid in full.      XXXX  Last reported :  XXXX   XXXX ,    2017  {$7500.00} This account i s 7 years old an d should have been deleted.      XXXX   XXXX    XXXX   XXXX   Last reported :  XXXX   XXXX ,    2017  {$3000.00} In Collections/Charge-off

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 2017-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
We are third parties to the debit owed by our adult son. The collection agenc y at (   XXXX   )   XXXX  has called us at l east four times  on the dates/times listed below. The agency appea rs to be Wells Fargo .  <P/>   X/XX/17    XXXX   XXXX   XXXX    X/XX/17    XXXX   XXXX     XXXX     XXXX   XXXX     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 2017-05-27 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: GA

Complaint narrative:
Credit Reporting a gency has been reporting a debt collector named  XXXX    XXXX     XXXX   XXXX ,  2015 . I have made several attempts to have them verify this accout including documents to support this debt. They have failed to provide proof of debt. Please provide proof of debt. This is a violation of my consumer rights.

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 2017-05-27 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: GA

Complaint narrative:
Credit Report compamy is reporting a derogatory debt that has not been proven to be mine. I have disputed this for years and they still fail to provide proof of debt. The creditors name is  XXXX   XXXX   XXXX  the date is  XXXX / XXXX /   2014  in the amount of {$2000.00}. I have not received anything supporting this debt. This is a violation of my consumer rights.

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 2017-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Downloaded my credit report from Equifax on   XXXX  . Noticed the name was incorrect - all credit reporting info WAS correct. The name on the report was that of my daughter BUT it used her maiden name rather than married. The last time I checked my report was in   XXXX   and there were no issues at that time. My daughter, with her name changed to that of her husband, has been married 11 years - longer than the last report. I am working with Equifax to restore MY name to MY report - so far, no issues other than time. But I am concerned about the name change without any apparent rationale.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 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: Amsher Collection Services, Inc.
State: IL

Complaint narrative:
I   check my credit report once a month to make sure that all of my accounts are being reported correctly. In  XXXX , I noticed a random collection company by the name of Amsher Collection services reported a collection on my reports with an acct # of  XXXX . It states that I owe   XXXX  . I do not have  XXXX  nor have I had their services in over 7yrs. I then started to get phone calls from this company. I spoke with them and informed them that I did not open a   XXXX   account and I do not owe them. I told them the account is fraudulent and not mines. The rep also quoted me some fraudulent address that is not mine. I have never received any letters from  XXXX  or Amsher Collection.
I have contacted all   XXXX   credit bureas regarding this fraudulent account. Since,   XXXX   and   XXXX    have completed their investigation and removed this account.
  XXXX    however has not removed this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 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: GA

Complaint narrative:
Credit Report compamy is reporting a derogatory debt that has not been proven to be mine. I have disputed this for years and they still fail to provide proof of debt. The creditors name is  XXXX   XXXX   XXXX  the date is  XXXX / XXXX /   2014  in the amount of {$2000.00}. I have not received anything supporting this debt. This is a violation of my consumer rights.

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 2017-05-27 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: GA

Complaint narrative:
During an investigation, credit reporting agency failed to provide the validity of a debt that was reported. Thr name of the collector is  XXXX   XXXX   XXXX   XXXX   XXXX ,    2017  in the amount of {$480.00}. This is not good practice snd violates my consumer rights.

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 2017-05-27 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: GA

Complaint narrative:
I have sent Experian several documents asking them to remove these items because they were old accounts that were connect wit my Bk that has  discharged  and removed from my credit report 1. XXXX   XXXX  2.  XXXX   XXXX   XXXX   #  XXXX  3.  XXXX   XXXX   XXXX    #   XXXX  4.  XXXX   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 2017-05-27 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: GA

Complaint narrative:
During an investiga tion, credit reporting agency failed to provide the validity of a debt that was reported. Thr name of the collector is   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   in the amount of {$480.00}. This is not good practice snd violates my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
What happen was that I received a check in mail which from my job. I took the check to the bank to get it cash. The bank told me that we can only give me    XXXX   dollars of the money. I said fine, they said they had to make sure the check was ok. It took five ( 5 ) to 6 ( 6 ) day before I could get the rest of the money. I notice a week later that my account was in the overdue in the account.

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 2017-05-27 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: GA

Complaint narrative:
I have previously disputed this item and asked for verifiable proof and company has failed to provide of debt. The name of the company is  XXXX   XXXX   XXXX     2017  in the amoint of {$150.00}. Can you please help me to validate this debt.

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 2017-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TN

Complaint narrative:
I was checking my credit through   XXXX   XXXX   and had to accounts pop up that are not mine. It was Common wealth financial systems. The original creditor on this bogus or fraudulent account is  XXXX    XXXX   XXXX  . I have no information on this account .Have not used there services. Have no idea how they got my information. This is not my debt. There where  2 accounts one  was for  XXXX  dollars and the other was for  XXXX  dollars. I 've sent direct disputes on  XXXX  and  XXXX . I 've tried to call common wealth financial systems with no luck it 's always automated and always keeps you on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
USAA Federal Savings  Bank And  XXXX   XXXX  can not effectively communicate  ; USAA Home Value  Monitoring on my Residence-  XXXX   XXXX   XXXX   XXXX   XXXX  , AL  XXXX  is  XXXX  dollars while  XXXX  estimate  XXXX  dollars approximately after putting in over  XXXX  dollars in repairs/modifications ;    XXXX    numerous  books Property Owners Associations etc ... have ability to decrease home value and I have had significant issues with both my home owners association and City of  XXXX  , AL ,  XXXX  ; Also  XXXX  veterans live in this area and U SAA is  a military bank, run by ex-senior officers, so no telling what influences have played out here- not for me to figure out? My realtor with  XXXX   XXXX   XXXX  contacted USAA on my behalf asking for an explanation of the  XXXX  value and got transferred around to three different people/agents, they were then told an informal estimate would be emailed to me within 24-hours. This did not happen!!! I called USAA and talked with agent Friday  XXXX   XXXX    XXXX  . I had to repeat myself constantly. This agent then placed me on hold a very long time and then transferred me to wrong department in   XXXX   XXXX  - I then had to repeat myself over and over again. I told both USAA and  XXXX   XXXX  I wanted an informal estimate, and if it was  XXXX  below  XXXX  I wanted a complete written explanation as to why. I told  XXXX   XXXX  they had  24-hours  to sort this out with USAA and get back with me and they have not.  XXXX  my writing you yet again about another issue with USAA Mortgage servicing. I am beginning to lose count now. Any assistance would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: TN

Complaint narrative:
XXXX   XXXX ,  XXXX  : Refinanced my mortgage with  XXXX   XXXX  Bank.    XXXX   XXXX ,  XXXX  : Received notice from   XXXX   that Nationstar would be my new mortgage servicer beginning  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX  : Reached out to both  XXXX  and Nationstar to determine my account number and other necessary information to remit payment on time. Neither provided account number ; told to wait for welcome letter.    XXXX   XXXX ,  XXXX  : Spoke with  XXXX  at  Nationstar  to inquire about account number and not receiving a welcome letter to date.  XXXX  could not locate account in the Nationstar system. She said loan has not boarded yet.  XXXX  explained, Legally I had a  XXXX  window with no payment due. Told not be concerned ; just wait for welcome letter.    XXXX   XXXX ,  XXXX  : Spoke with  XXXX  at  Nationstar  to inquire again about account number and welcome letter.  XXXX  reiterated what  XXXX  had said ;  XXXX  window and wait for welcome letter.    XXXX   XXXX ,  XXXX  : Received welcome letter dated  XXXX   XXXX ,  XXXX  stating payment due on  XXXX   XXXX ,  XXXX .  XXXX  with  XXXX  at  Nationstar  who confirmed there would be no late fees associated with account due to the  XXXX  window and  XXXX  monthly grace period.    XXXX   XXXX ,  XXXX  : Nationstar received first payment for {$2300.00}. ( Please see attached bank report. )  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX  : Nationstar has received monthly payments ( {$2300.00}  )  all within the  XXXX  grace period. ( Please see attached bank report. )  XXXX   XXXX  : ( Uncertain of exact day, I believe it was  XXXX   XXXX  and I am positive it was between the days of  XXXX   XXXX . ) Received certified letter dated  XXXX   XXXX ,  XXXX  stating that my account was delinquent and that I owed a past due amount of {$3300.00} due in full by  XXXX   XXXX ,  XXXX , or else foreclosure. ( Please see attached letter. )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: CA

Complaint narrative:
Loan for  XXXX  made on  XXXX / XXXX /  XXXX  , Im strangling making payments for this loan due to health problems. I contact the company but there said that is nothing they can do, so I call a not-profit organization and they mention that in California is illegal that the charge so much in interested 737.7301 % and that his company is been sue for this sent reason, I was recommended to do a complaint. I can keep paying and I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
This refers to the attached letter fro m Citibank.      In the letter it is stated " You opened your account online on  XXXX   XXXX ,  2016  ... '' This statement is false fo r two reasons 1. The accounts are never opened by clients. The accounts are opened by Citibank after app roving their applications.      2. I sub mitted my application on  XXXX   XXXX ,  2016 .  Citibank approved my application and sent my account documents via U.S.Mail on   XXXX   XXXX ,  2016 . I received these documents on  XXXX   XXXX ,  2016 . Hence, the account was effectively opened on  XXXX   XXXX ,  2016 , not on  XXXX   XXXX ,  2016  as claimed  by Citibank Acco rdingly, all requirements of Promotion  XXXX  were met and I am entitled to the Promotion cred it. Citibank is attempting to mislead me and the CFPB. Clients can not be held responsible for any delay on the part of Citibank in openin g the accounts.

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 2017-05-27 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: NY

Complaint narrative:
As requested, I sent a detailed explanation of my situation to AES for them to forward to the lender. This was nearly 2 months ago, and I still have not heard back from anyone, other than to continue with the threatening & harassing emails, phone calls, and letters ... to both me and my elderly mother! They have completely ruined both or our credit scores.     The last correspondence I have had with them was back on  XXXX   XXXX  : " A request has been submitted to have your lender contacted. Please allow up to 10 business days for processing. We can not provide a response time for your lender nor can we guarantee an outcome. '' It is now  XXXX   XXXX , and I 'm still waiting to hear from someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 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: GA

Complaint narrative:
I have previously disputed this item and asked for verifiable proof and company has failed to provide of debt. The name of the company is  XXXX   XXXX   XXXX   2017  in the amoint of {$150.00}. Can you please help me to validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 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: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
{$600.00} Keep disputing I been disputing this since  2016

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 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: IL

Complaint narrative:
I check my credit report once a month to make sure that all of my accounts are being reported correctly. In  XXXX , I noticed a random collection company by the name of  XXXX   XXXX  services reported a collection on my reports with an acct # of  XXXX . It states that I owe  XXXX . I do not have  XXXX  nor have I had their services in over 7yrs. I then started to get phone calls from this company. I spoke with them and informed them that I did not open a  XXXX  account and I do not owe them. I told them the account is fraudulent and not mines. The rep also quoted me some fraudulent address that is not mine. I have never received any letters from  XXXX  or  XXXX   XXXX .   I have contacted all   XXXX   credit bureas regarding this fraudulent account. Since,  XXXX  and   XXXX   have completed their investigation and removed this account.   Equifax however has not removed this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NM

Complaint narrative:
When I came back from my mission field on  XXXX ,   XXXX  , somebody from   XXXX   XXXX   XXXX   called me to insist pay off the balance of unknown credit card. I came to know that a wrong person stole my personal information and made at least  XXXX  credit cards under my name and spent a lot of money. I did not know until that time. I have never received any bank 's statements of the fraudulent credit cards. I asked a credit agency,  XXXX , to send me my credit card records, then, I found somebody stole my ID and made cards from at least  XXXX  more banks. I wrote each bank to dispute the credit and finally, HSBC and  XXXX  did not solve the problem. Particularly,  XXXX   XXXX    XXXX   continue to send emails to insist pay off even though I sent my clarifications of the transactions of the fraudulent cards. At the beginning of disputing on  XXXX , the bank sent me statements of several months, of which card 's ending is  XXXX . I do n't know this card. I never received the card nor bank statements. I send them that the card was not mine. But the bank send me another numbers two times and transferred the balance of the fraudulent card ,  XXXX   XXXX  . They did not intend to correct the statement. They reported to credit agencies a very starance credit card number under my name. I do n't know how to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 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: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
I opened an account with Credit Acceptance Corporation in  XXXX . A car loan. I made monthly payments on time every month until the loan was paid in full. For some reason,  Credit Acceptance  is reporting I made  1  late payment  XXXX . This is incorrect. I made payments on time every month. I then traded the car in, in  XXXX  of  XXXX . I do n't understand how they are reporting that the last payment that was made was a late payment.     It is not fair that I pay all my bills on time and  Credit Acceptance  gets to report a delusional late payment. I have disputed this problem and nothing has changed. This late payment is being reported incorrectly. I WAS NEVER LATE.

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