vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-15 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: CO

Complaint narrative:
I have contacted XXXX several times to have late payments that were incorrectly reported to the credit agencies for the months of XXXX, XXXX and XXXX of XXXX and XXXX of XXXX. I had payment arrangements set uo for these months and these late payments should not have gone on my XXXX record or reported to all three agencies.

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 2018-03-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I contacted Equifax to remove dispute comments on credit report as I was trying to obtain a mortgage and needed these items removed. I was told in 72 hours the system will be updated and items removed. With that information I advised my mortgage company to go ahead and pull the credit again in 72 hours to reflect no dispute comments. To my surprise, my mortgage lender told me dispute comments still there over 72 hours later, and I was denied a 2nd time. On XX/XX/XXXX I immediately contacted Equifax again only to be told that they had no report of me calling, and yet again requested dispute comments to be removed, I was advised yet again they would be removed in 72 hours. Being skeptical I called back, and was advised there was a system error and no dispute comments were removed and that " maintenance dept '' would have to handle it. I advised the rep that time was of the essence as I may lose my house due to this incompetence, she said she would try to remove them again, she told me she was able to get them removed. She  provided a confirmation number. On XX/XX/XXXX I called in again and was told no dispute comments are on my report. I am so wary because I cant trust what they say at this point. I asked to have inquiry removed as their incompetence has caused me another ding to my credit. They stated they could not do anything to remove the inquiry. This company is outsourced and reps can barely speak comprehendible English. I asked for verification as they said they will email me it to me ... never came. She stated she would also mail it to me. When I check confirmation number in their " check status '' it says cant be found. I am at a deadlock because this company has fallen through many times! I am not able to obtain a mortgage unless they do their job! Their service is highly incompetent and poses a risk to the American consumer. Rep purposely refuses to hang up when advised I'm waiting for the survey after the call. When you call in and ask a question, they say " Ill place you on a 2 minute hold '' and they don't come back for some time, only the next question you ask they do the same " hold ''. Call is held many many times. This company is blocking me from receiving credit as they don't do their job as required. I am at a standstill because I cant suffer another inquiry only to be told they didn't remove the comments as directed. That will drop my score so low I wont even qualify for a mortgage at that point. I kindly ask someone find out what is going on at this company. Sad thing is, same scenario happened to my husband ... same dates!!! We called right after one another even with a confirmation code given they said no record of XX/XX/XXXX request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I purchased a car on XX/XX/2017, and on XX/XX/2017 I was in an accident and totaled my car I just purchased. My loan is with Wells Fargo Dealer Services. My Insurance company XXXX XXXX and I did not come to a settlement until over a month later. Wells Fargo 's representatives called me and asked me to take the offer XXXX XXXX was giving me which was not going to pay me full value for my car and not pay the rest of my loan off. I begrudgingly took the offer and Wells Fargo was paid {$6200.00} on a {$6800.00} loan. This left me a balance of {$570.00}. Now I recently reviewed my credit report and Wells Fargo is reporting I am 30 days late on payments. But how is that, when you got over {$6000.00} in payments. I tried calling them numerous of times and they keep switching me to different people in the collections department. I asked why they did not adjust my loan amount to fit the new balance. We agreed on a {$100.00} a month. But they collections department has been calling me telling me I owe the whole {$570.00} right now. And now they are reporting a negative rating on my credit report to the bureaus, when they are the ones who told me to take the insurance offer in the first place. It was not my fault the insurance company screwed up the appraisal for my car and the process took longer than expected. I am the one with out a car, without the money I put down for the car, the insurance money I paid and the tax, title, and the dealer cost to get this car I can not drive anymore. On top of that, they told me I would have to reapply to get another car loan. Is this any kind of way you treat your customers?

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 2018-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/18 I sent a certified letter to Capital one requesting validation of a debt that they claim I owe. On XX/XX/18 I sent a second certified letter requested validation to no avail. I requested validation pursuant to the FDCPA. I requested validation that is competent evidence bearing my signature, showing that I have or ever had some contractual obligation to pay them. Both debt validation letters were ignored. I have copies of returned certified receipts see attached. signed received on XX/XX/18 and XX/XX/18. On XX/XX/18 Capital One sent me a letter by FEDEX from account manager XXXX XXXX threatening me with a law suit. Capital One failed to validate this debt as I requested Capital one violated the FDCPA by not making this debt as DISPUTED within 30 days. Capital one continues to harass me about this account. I got a notification that my disputes were completed. I pulled my XXXX report on XX/XX/18 and XXXX on XX/XX/18 and noticed that not only were they not deleted but Capital One continue to report that I owe this debt. of {$6000.00}. I can prove that Capital One owe me damages of {$1000.00}. per part XXXX of the FDCPA. I have attached all of my supporting documents which continue to validate the debt without proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have informed Kohls several times that I had a payment plan for the date of XX/XX/2016 and yet they still report to the credit agencies that this was a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 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: CA

Complaint narrative:
I have pulled my credit report and found there to there to be inaccurate inquiries on my credit report. I have sent 2 letters via certified mail to Equifax Credit Reporting Agency requesting for the removal of these inquiries. This is my official complaint and last resort  before I seeking damages if these inquiries are not removed. It is to my knowledge that the FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following inquiries are related to none of the aforementioned permissible purposes.

1. XXXX XX/XX/17 2. XXXX XXXX XX/XX/17 3. XXXX XXXX XX/XX/17 4. XXXX XXXX XX/XX/17 XXXX. XXXX XXXX XXXX XX/XX/17

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-15 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: CO

Complaint narrative:
I have informed XXXX several times that I had a payment plan for the date of XX/XX/2016 and yet they still report to the credit agencies that this was a late payment.

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 2018-03-15 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: CO

Complaint narrative:
I have informed XXXX several times that I had a payment plan for the date of XX/XX/2016 and yet they still report to the credit agencies that this was a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 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: CO

Complaint narrative:
I have informed XXXX several times that I had a payment plan for the date of XX/XX/2016 and yet they still report to the credit agencies that this was a late payment.

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 2018-03-15 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: TX

Complaint narrative:
i noticed on my credit report XXXX XXXX account number XXXX having incomplete and inaccuracies. i have tried to dispute this item and it still remains. now i have proof the no real fair and thorough investigation took place. i never received proof of this investigation they claim its been verified but have yet to send my any documentation on how and why it remains. first off equifax doesn't even have an account number listed on this account and the open date is incomplete its XX/XX/2016 not XX/XX/2016. the same company reports to all three bureaus so they should all reflect the same information. if not how would anyone know that the account is accurate? it is also missing payment history and payment history is not the same across all three bureaus. incomplete and inaccurate accounts must be deleted per the FCRA and FDPCA. it shows on original amount of XXXX and a current balance of XXXX but no payment history ever. how can that be if there was no payment? and if there was a payment then it is not listed which is incomplete. either way incomplete or inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
To whom it may concern my name is XXXX XXXX. Recently while attempting to log on to my online banking, I discovered an error code which led me to call my banking institution XXXX XXXX XXXX XXXX. I called and was told by a customer service representative a lien was placed on my account due to Writ of Garnishment in the amount of {$2200.00}. I was told to contact the company who placed the lien which was XXXX XXXX XXXX. I contacteXXXX XXXX XXXX XXXX the debt collector to get verifiable information and was told that there wasnt much information they could give me and that I would have to contact XXXX XXXX Courthouse to see if they can tell me what the case is about and any other information I may have. I was told that said debt was open in XXXX and I was still in XXXX at the time. A judgement was placed on the debt in XXXX and that theyve been trying to collect in the debt since XXXX. In accordance with the Florida Statute of Limitation for revolving accounts such as credit cards the statute of limitations is four years. I was unaware of any judgement, lien,  voluntary garnishment, lawsuit, etc. associated with this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 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: TX

Complaint narrative:
i noticed on my credit report XXXX XXXX  account number XXXX having incomplete and inaccuracies. i have tried to dispute this item and it still remains. now i have proof the no real fair and thorough investigation took place. i never received proof of this investigation they claim its been verified but have yet to send my any documentation on how and why it remains. first off XXXX doesn't even have an account number listed on this account and the open date is incomplete its XX/XX/2016 not XX/XX/2016. the same company reports to all three bureaus so they should all reflect the same information. if not how would anyone know that the account is accurate? it is also missing payment history and payment history is not the same across all three bureaus. incomplete and inaccurate accounts must be deleted per the FCRA and FDPCA. it shows on original amount of XXXX and a current balance of XXXX but no payment history ever. how can that be if there was no payment? and if there was a payment then it is not listed which is incomplete. either way incomplete or inaccurate.

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 2018-03-15 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: TX

Complaint narrative:
i noticed on my credit report XXXX XXXX account number XXXX having incomplete and inaccuracies. i have tried to dispute this item and it still remains. now i have proof the no real fair and thorough investigation took place. i never received proof of this investigation they claim its been verified but have yet to send my any documentation on how and why it remains. first off XXXX doesn't even have an account number listed on this account and the open date is incomplete its XX/XX/2016 not XX/XX/2016. the same company reports to all three bureaus so they should all reflect the same information. if not how would anyone know that the account is accurate? it is also missing payment history and payment history is not the same across all three bureaus. incomplete and inaccurate accounts must be deleted per the FCRA and FDPCA. it shows on original amount of XXXX and a current balance of XXXX but no payment history ever. how can that be if there was no payment? and if there was a payment then it is not listed which is incomplete. either way incomplete or inaccurate.

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 2018-03-15 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: TX

Complaint narrative:
cra violation inaccurate information po report not mine

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 2018-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BMW Financial Services NA, LLC
State: TN

Complaint narrative:
Hello BMW Services : This is a formal notification of Title received from BMW. After a 14 day waiting period for clearance of all outstanding debt on BMW we received a clear title. However, we are receiving daily calls from BMW Collections and when we call back we are routed to a long standing ( no answer ). I have called numerous times and spoken to Customer Service who also routes call to Collections. I have given the information to them that Title was received as well. The vehicle was placed in repossession and we are also receiving harassing calls about a BMW location.

We have contacted our attorney who has a copy of recent BMW Title and we have also  noted to DMV State of XXXX the status of harassment by BMW Financial USA. We are requesting that the account be made current per Credit reporting and per law. There is no outstanding payment due on account as per receipt of BMW Title and 14 day required waiting period.

Please note this given account. If we receive any further calls from BMW or Repo company a formal complaint will be filed with the State Attorney General Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 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:
Hello, I have been checking my credit reports because I plan on purchasing a home and I have noticed that there's a XXXX California XXXX charge-off account listed on my credit report for {$380.00}. I have no knowledge of this account, nor have I ever lived at the address associated with the account. I have never, at this point in time, had a utility bill in my name. Per the FCRA laws, I have the right to dispute inaccurate information, and as I have tried to dispute this, nothing has yet been done. I would like this to be removed from my credit report immediately as it is not rightfully my account and no parties can validate it being so. 

Thank you, 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 2018-03-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
I am hearing horrible things about this company and do not want to be a victim of predtatory lending. 
I received a loan which wasnt even {$10000.00} and they want me to pay {$15000.00} by XX/XX/2018. 
This company is a scam and the looophes they work by hurt the consumer tremendously. 
Nobody should have to go through this. I hope this gets fixed so other people dont fall into these false advertisentments and scams

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 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:
XXXX : EQUIFAX : XXXX The XXXX is going on. Ive contacted you guys time and time again since XX/XX/2017. Youve removed the fraudulent accounts but I dont know why these accounts remain on my credit report. You have done so much damage to my credit report with the remain accounts that are fraudulent and this has better be the last time that these fraudulent accounts show on my credit file and Im only allowing 24 hours for the accounts listed to be removed permanently. I am unaware of the accounts that you are listing on my credit file. I have asked for verification for the original contract and for the debt or account listed as an error several times only to be ignored. Look this is becoming a major problem and I have filed a lawsuit this time because you are taking me for a joke and you are causing damage to my life and causing stress. I have contacted the attorneys general office in XXXX County along with the FTC to get this matter resolve immediately and permanently. I will make sure that this incident sees a judge in a civil courtroom. 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX   6. XXXX XXXX XXXX. REMOVE ALL THE LISTED FRAUDULENT ACCOUNTS WITHIN 24 HOURS IMMEDIATELY AND PERMANENTLY. REMOVE REMOVE REMOVE. The inquiries that are unrecognizable and that Im unaware of are in the attachment area. I did not give anyone my consent to open any new credit. Your company is at fault and I demand that you remove the bogus accounts and inquiries today or else. REMOVE ERRORED ACCOUNTS LISTED AND INQUIRIES LISTED AS WELL. I dont want to see another error listed on my account and please send me a copy of a credit report revised with the mistakes removed. My credit is showing me that these accounts are still listed on my credit and Ive asked you to remove them permanently. You have no verifiable evidence with no original contract with my signature so by law you must removed them immediately and permanently. I have filed a lawsuit on the following credit bureau agencies for using my consent without my knowledge and for breaking the laws within the FCRA. I have placed several sections that you have violated. You have violated my rights in many ways and I look to take this to civil court. I demand that my credit report is cleared of the accounts listed and remove the errors your company placed on my credit file.

Company response to consumer: Closed with explanation