vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-21 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: TX

Complaint narrative:
I've been mailing letters to the credit bureau for the last 8 months about these student loans on my report. I have never attended a college with student loans. I have been incarcerated for some time. I am now trying to get my life back together by getting my credit up to standard, but I can't because these fraudulent student loans is on my report. 
It has been taken off XXXX, and XXXX, but some reason Equifax is staying. I need to know what to do from here.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
company never contacted me about debt or gave me an opportunity to dispute. did not find out about alleged account until they reported it to bureaus. disputed through bureau. they " verified '' account without documenation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Checking or savings account — 
Issue: Getting a line of credit — 
Company: Credit Karma, LLC
State: MO

Complaint narrative:
My identity has been stolen and the perpetrator got loans in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo Bank as the wrong social security number listed on my Wells Fargo XXXX XXXX credit card account. XXXX isnt my correct social number. My correct social security number and date of birth is : SSN : XXXX DOB : 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 2018-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I am applying for a mortgage and the loan officer told me that Equifax is not reporting a credit score. They do report credit history but no score. XXXX and XXXX both report credit scores with no issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pinnacle Credit Services, LLC
State: TX

Complaint narrative:
company reaged account and refuses to ive any informaion on account. original credit XXXX has already been removed from the 7 year reporting guidelines

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
In accordance to FCRA Section 609, this accounts was further disputed in XX/XX/XXXX. Ad Astra Recovery did not respond to initial dispute within 30 days as allowed by the FCRA. They have continued to report inaccurate information and this accounts to all 3 credit bureaus. In accordance, they are bound by FCRA to remove alleged debt from that is being reported. It is now XX/XX/XXXX and past 60 days when these accounts were initially disputed. Ad Astra Recovery Service has continued to attempt to collect debt that they know is not valid and not able to be verified. Multiple disputes in regards to this issue have been filed over this. They have blatantly broken the law as they relate to FDCPA and FCRA guidelines. The account needs to be removed. I will also be filing a complaint with the Attorney General as it is within my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
My mortgage was sold to Nationstar now Mr. Cooper and ever since they obtained the mortgage they want change the originals terms of my loan concerning home insurance. They have predatory practices regarding having to carry home insurance and are always looking to finds way to upcharge you more. I hate the fact that XXXX sold my loan to them. They are the worst!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: DC

Complaint narrative:
XX/XX/2018 XXXX XXXX EDT I received a call on my mobile phone from Portfolio Recovery Associates inquiring about a debt incurred nearly 20 years ago.

The call is a suspected robo-call. On pickup, there was a long pause ( where I said " Hello? '' multiple times ) until an agent connected and began to ask me for verifying information before stating the purpose and company affiliation of the call.

Once I became aware of the nature of the call, I interrupted the agent to say " Not interested, goodbye, '' and hung up the phone. 

My understanding is that a class action lawsuit has already been filed against this company for their robo-call practices ( I was involved in that suit ). I write this complaint to you with suspicion that they are again using these practices to harass people. Please investigate if there are enough reports supporting this claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a loan with CAP ONE AUTO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and CAP ONE AUTO with no successful resolution. XXXX, XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I tried to tell my boa agent, it was a fraud transaction. And I want to cancel the transaction and get the money back to my account. But they will not do that bed it was through XXXX. Someone need to catch those scammers and get the money back to their rightful owner

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 2018-06-21 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: PENTAGON FEDERAL CREDIT UNION
State: VI

Complaint narrative:
In XX/XX/2018 I receive a notification of a Pentagon Federal credit card being added to my credit report causing a negative effect on my credit score. This account has XXXX listed as an Authorized User on the card. This is a card I have no knowledge about never knew I was added to this card. So I called Pentagon Federal Credit Union to ask why was this added to my credit report and I have no knowledge of this. I then said that I would like to be remove as an authorized user because I never gave permission to be added to the account. The representative told me when I spoke to her to send in a written letter asking to be remove because I have no knowledge of the card. I did such, and they called me and told me that I couldnt be remove because the owner of the account has to remove me. She then asked me if I could make a payment I told her a payment I am not responsible for this account and make it worse I dont have knowledge of if.. They Decline my request. I then Ask them if there is any other way that I could be remove the clearly told me no.. I the. Dispute it 3 times and the results came back saying the the card is mine. I have tried over and over asking Pentagon to please please just remove my name because its adversely affecting my credit score, and affecting me from becoming a homeowner. I can not get a mortgage loan and would not be a candidate to even apply because of what Pentagon Federal Credit Union is doing to me.. Please help me.. 

XXXX XXXX XXXX 1. Disputed Conf # XXXX 2. Disputed Conf # XXXX 3. Disputed Conf # 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 non-monetary relief
Consumer complaint received 2018-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
XXXX XXXX  XXXX has repeatedly changed and incorrectly presented false late payment dates on my vehicle loan for which reflects on my consumer reports. The dates were first XX/XX/XXXX, then XX/XX/XXXX and now XX/XX/XXXX ... whereas I've proven with bank statements proving I have never been 30 days late since last XX/XX/XXXX. All of which have been disputed and updated..yet the most recent disputed they changed from XX/XX/XXXX to XX/XX/XXXX. The accused late payment being reported is upon being in deferred agreement effective XX/XX/XXXX & XX/XX/XXXX, and payment was made within agreement. All of this has been documented with them and for my records. I have gone around and around and around with this institution and they can't get anything accurate. They have known my desire to refinance since this whole mess started in XX/XX/XXXX with late pays being reported and therefore making it impossible due to the gross negative & adverse reports being made to the bureaus making scores go down almost 40 pts on XXXX  just for late pay. Please please I request help in getting this rectified. Kindest Regards, 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 2018-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XX/XX/XXXX I sent this letter to XXXX XXXX Dear : XXXX XXXX XXXX As I was reviewing my credit report I became aware of a collections account reporting by your company. What I find strange is your attempt to collect on a debt thats non-existence. Why would I pay for something I do not owe? Again, I dont owe you any money? 
With that being said, please see this letter as me disputing this alleged debt with your company as well as requesting debt validation. 
Thirty days, is more than enough time for you to send me legal supporting documents bearing that this account belongs to me, hence owing you any money. 

Regards, Experian XX/XX/XXXX Report # XXXX Dispute Results : * XXXX XXXX XXXX XXXX-Verified as accurate *XXXX XXXX XXXX XXXX XXXX- Verified as accurate Experian XX/XX/XXXX Report # XXXX Dispute Results : *XXXX XXXX XXXX XXXX Deleted *XXXX XXXX XXXX XXXX XXXX-Updated If XXXX XXXX sold this account to XXXX XXXX XXXX why were they both reporting as open? Once I sent the debt validation letter to XXXX XXXX XXXX it was finally removed. Attached below is the letter that I sent the credit bureaus. 

Dear Credit Bureau I am writing to dispute this account that is reporting inaccurately. I contacted XXXX XXXX XXXX at the telephone number XXXX on XX/XX/XXXX at XXXX XXXX and was advised to contact another number XXXX. What I find strange is XXXX XXXX XXXX sold this account to XXXX XXXX XXXX, but XXXX XXXX XXXX has removed this from my credit file as of XX/XX/XXXX after my dispute with them. Both XXXX XXXX XXXX  and XXXX XXXX XXXX, with the same partial account number XXXX were both reporting on this same debt. IMPOSSIBLE!! This is not a valid debt so how are you reporting it if its non-existence? I demand that you provide me with legal proof. Why would I pay for something I do not owe? Again, I dont owe XXXX XXXX XXXX any money? I demand this information be deleted from my report. Send me an updated copy of my report once this has been deleted. 
Thirty days, is more than enough time for you/XXXX XXXX XXXX  to send me legal supporting documents bearing that this account belongs to me, hence owing XXXX XXXX XXXX  any money. Im demanding that this is removed from my credit report immediately if XXXX XXXX XXXX cant provide proper information/documentation that I owe their company. Continuing to report this inaccurate, unverifiable information on my report is illegal and I will file a complaint with CFPB, FTC, XXXX and whoever else I need to get this resolved. 

Regards, THE IS UNFAIR TO MYSELF AS A CONSUMER AND I WOULD LIKE FOR BOTH ITEMS TO BE REMOVED FROM MY CREDIT FILE IMMEDIATELY.

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 2018-06-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: D2 Management LLC
State: WI

Complaint narrative:
I have recieved two charges to my XXXX XXXX debit card that I did not authorise from D2 Management LLC I have already canceled my card and called XXXX XXXX to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KeyBridge Medical Revenue Management
State: OH

Complaint narrative:
I have Sent several letter 's asking for XXXX XXXX to provide me with proof that the debt they are trying to collect is in fact mine, Made pursuant to the ( Fair Debt Collection Act and the ( Fair credit reporting Act ) First Letter 's were sent Certified Mail on XX/XX/XXXX allowing them 30 days to provide proof.. On the XXXX day following no proof i preceded to send a second set of letters Certified as well Mailed on XX/XX/XXXX to be exact .. I have followed the Law as provided by ( FDCA, & FCRA ) I have never done business with Keybridge and the Fact remains they have not provided me proof and as far i can see Such as my signature .. The HIPPA Law has been broken as this company should not now or ever have any medical information on any test i may or may not have done. I would like for them to remove any negative / derogatory comments they have submitted to the collection agencies as they are in violation of the FDCA/FCRA acts.

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 2018-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
I have a loan with FRD MOTOR CR. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX   and FRD MOTOR CR with no successful resolution. XXXX, XXXX   and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 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: EQUIFAX, INC.
State: VI

Complaint narrative:
In XXXX of 2018 I receive a notification of a XXXX XXXX credit card being added to my credit report causing a negative effect on my credit score. This account has XXXX listed as an Authorized User on the card. This is a card I have no knowledge about never knew I was added to this card. So I called XXXX XXXX XXXX XXXX to ask why was this added to my credit report and I have no knowledge of this. I then said that I would like to be remove as an authorized user because I never gave permission to be added to the account. The representative told me when I spoke to her to send in a written letter asking to be remove because I have no knowledge of the card. I did such, and they called me and told me that I couldnt be remove because the owner of the account has to remove me. She then asked me if I could make a payment I told her a payment I am not responsible for this account and make it worse I dont have knowledge of if.. They Decline my request. I then Ask them if there is any other way that I could be remove the clearly told me no.. I the. Dispute it 3 times and the results came back saying the the card is mine. I have tried over and over asking XXXX to please please just remove my name because its adversely affecting my credit score, and affecting me from becoming a homeowner. I can not get a mortgage loan and would not be a candidate to even apply because of what XXXX XXXX XXXX XXXX is doing to me.. Please help me.. 

Equifax Confirmation numbers 1. Disputed Conf # XXXX 2. Disputed Conf #  XXXX 3. Disputed Conf # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XX/XX/2018 I sent this letter to XXXX XXXX Dear : XXXX XXXX XXXX As I was reviewing my credit report I became aware of a collections account reporting by your company. What I find strange is your attempt to collect on a debt thats non-existence. Why would I pay for something I do not owe? Again, I dont owe you any money? 
With that being said, please see this letter as me disputing this alleged debt with your company as well as requesting debt validation. 
Thirty days, is more than enough time for you to send me legal supporting documents bearing that this account belongs to me, hence owing you any money. 

Regards, XXXX XX/XX/18 Report # XXXX Dispute Results : * XXXX XXXX XXXX XXXX-Verified as accurate *XXXX XXXX XXXX XXXX XXXX Verified as accurate XXXX XX/XX/18 Report # XXXX Dispute Results : XXXX XXXX XXXX XXXX Deleted *XXXX XXXX XXXX XXXX XXXXUpdated If XXXX XXXX sold this account to XXXX XXXX XXXX why were they both reporting as open? Once I sent the debt validation letter to XXXX XXXX XXXX it was finally removed. Attached below is the letter that I sent the credit bureaus. 

Dear Credit Bureau I am writing to dispute this account that is reporting inaccurately. I contacted XXXX XXXX XXXX at the telephone number XXXX on XX/XX/2018 at XXXX pm and was advised to contact another number XXXX. What I find strange is XXXX XXXX XXXX sold this account to XXXX XXXX XXXX., but XXXX XXXX XXXX has removed this from my credit file as of XX/XX/18 after my dispute with them. Both XXXX XXXX XXXX and XXXX XXXX XXXX, with the same partial account number XXXX were both reporting on this same debt. IMPOSSIBLE!! This is not a valid debt so how are you reporting it if its non-existence? I demand that you provide me with legal proof. Why would I pay for something I do not owe? Again, I dont owe XXXX XXXX XXXX any money? I demand this information be deleted from my report. Send me an updated copy of my report once this has been deleted. 
Thirty days, is more than enough time for you/XXXX XXXX XXXX to send me legal supporting documents bearing that this account belongs to me, hence owing XXXX XXXX XXXX any money. Im demanding that this is removed from my credit report immediately if XXXX XXXX XXXX cant provide proper information/documentation that I owe their company. Continuing to report this inaccurate, unverifiable information on my report is illegal and I will file a complaint with CFPB, FTC, XXXX and whoever else I need to get this resolved. 

Regards, THE IS UNFAIR TO MYSELF AS A CONSUMER AND I WOULD LIKE FOR BOTH ITEMS TO BE REMOVED FROM MY CREDIT FILE IMMEDIATELY.

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