vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-10 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:
On XX/XX/XXXX, Experian added a collection account to my credit report for a medical bill resulting in a drop in my credit score. The only way I knew the collection account had been added to my report was when I applied for a mortgage loan on XX/XX/XXXX and the loan officer informed me. The collection agency, XXXX XXXX XXXX, is claiming I owe them {$660.00} for an unresolved medical debt. I have no unresolved medical debt and this collection agency has been reported to the Better Business Bureau for being unable to provide documentation validating debts they have reported. The XXXX XXXX XXXX website claims that they notify consumers prior to reporting the collection, which is false. I contacted the agency to try and resolve the collection and they advised me that they did not have my personal information on file including my address ( how would they have notified me? ). The agency states that they have to submit a request to their corporate office in order to have the collection deleted but state that it takes 3-4 weeks and the debt must be paid FIRST. The representative stated that they could not provide any immediate documentation of the collection being paid. Despite having limited information on the collection, they strongly encouraged my submitting a payment to resolve the debt over the phone and continued to insist on needing other personal information. This office is conveniently located in XXXX, near my residence, despite allegedly being a debt owed in XXXX. Experian made no attempt to validate the collection or collection agency information prior to adding it to my credit report. I have been informed that my personal data was compromised in the XX/XX/XXXX XXXX data breach. Coincidentally, two suspicious collection accounts were reported in XX/XX/XXXX. I contacted Experian to try and resolve the issue. The customer service representative I spoke to advised me that even if I were to pay off the fraudulent debt, that was most likely the result of the breach, but the collection would remain on my credit report for 7 years. 

Despite filing a dispute to try and resolve the issue, my loan officer has advised me that my current credit report does not reflect said dispute. The collection is a scam and it has caused my credit score to drop immensely putting my attempt at being approved for a mortgage in serious jeopardy.

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 2017-12-10 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: PA

Complaint narrative:
XXXX XXXX Experian shows my account negative on the report until 2022 and there has not been no late payment in 24 months. there should be no late negative for that long before the account goes positive considering its been paid on time for the past 24 months Will with the FTC on ongoing incorrect information and why its 4 years to go Positive

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 2017-12-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
My wife and I are currently in a bankruptcy proceeding. During such, we voluntarily went through a successful loan modification process. As it neared completion, I specifically requested multiple times, verbally, and in writing, that the new loan be given a different loan number to distinguish it from the old loan. Wells Fargo refused to fulfill this simple request. So, the old loan and the new loan both have the same loan number XXXX # XXXX XXXX. 

The new loan was effective as of XXXX XXXX, XXXX. The loan clearly states that as of the effective date that the old loan will no longer exist because the balance due on the old loan will be capitalized with the new loan. 

So, on Friday, XXXX XXXX, XXXX, I called to make my monthly payment. I was casually informed by the representative that Wells Fargo had ruled a Motion for Removal on XXXX XXXX with the bankruptcy court because we had allegedly not made any mortgage payments since XXXX XXXX. When I asked the woman to explain how this could be when we have, in fact, made timely payments on the new loan directly to Wells Fargo by calling in each time, she placed me on hold briefly and returned to say that I have indeed made these payments. However, they have been applied to the old loan and not the new loan. She then said that I am required to make payments on the new loan immediately to prevent foreclosure. 

I demanded multiple times that I be transferred to the XXXX XXXX representative that assisted us on our new loan. She refused each and every time to transfer me without delay. She instead just kept putting me on hold against my will. So, I had to get another phone and call the XXXX XXXX representative myself. When I got him on the phone and explained to him what was going on, he verified that he personally remembered that I had been making regular payments through him. So, he placed me on hold to research the issue. 

He came back to confirm that the SIX payments that we had made on the new loan since XXXX XXXX had all been applied to the old, non-existent loan. He also told me that the bankruptcy trustee had also been making payments that were also being applied to the old, non-existent loan. He further informed me that he was not able to correct these mistakes and that he was not aware of the exact process to do so. He asked me to fax over proof the I have made the SIX payments that I had made that two different Wells Fargo representatives have already confirmed were made. 

According to my XXXX XXXX Bank statements, here are the dates and the amounts that have been paid on the new loan, totaling {$2600.00} : XXXX -- {$380.00} XXXX -- {$380.00} XXXX -- {$380.00} XXXX -- {$380.00} XXXX -- {$750.00} XXXX -- {$370.00} XXXX Confirmation # 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 2017-12-10 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: U.S. BANCORP
State: OH

Complaint narrative:
I have never had an account with US Bank, I have never had this credit card. 
Contact with the bank shows the borrowing person used an address that I do not live at. 

I have not lived at the address on the account. 

I do not have this account US BANK XXXX Revolving XXXX XXXX XXXX DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT HEADER BALANCE LAST REPORTED ACCOUNT HEADER STATUS AMOUNT PAST DUE XXXX I XXXX {$13000.00} {$410.00} {$18000.00} XXXX PAYS 61-90 DAYS {$5100.00}

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 2017-12-10 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: TN

Complaint narrative:
I have a mixed credit file with another family member. XXXX and XXXX have removed the Public Record but Experian and XXXX refuses to call the Court House to investigate. Numerous inaccuracies exist including wrong address, No dollar amount, wrong District for Bankruptcy and furthermore they say it happened on my birthday. Please remove this from my file?

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 2017-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I had a bank of america credit card and went through some financial hardships during my last year of school in the beginning of 2017XXXX i was starting to establish a great relationship with bank of america by always paying my card on time and have had 13 years of great credit history. i had an account close during that year of financial hardship and sent to collections which i have now taken care of by settling and clearing it with bank of america back in XXXX this year. I want to start building a realtionship with bank of america again.

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 2017-12-10 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: PA

Complaint narrative:
Experian has my XXXX XXXXXXXX XXXX showing Negative. This account does not go positive until 2022 and there  has not been a late payment in over 18 months It should not take 4 years for this account to go positive considering it has not been late in over 18 months. 

FTC has been filed as well to this 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 2017-12-10 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: OH

Complaint narrative:
I have never had an account with XXXX XXXX, I have never had this credit card. 
Contact with the bank shows the borrowing person used an address that I do not live at. 

I have not lived at the address on the account. 

I do not have this account XXXX XXXX XXXX Revolving BUREAU BUREAU CODE DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT HEADER BALANCE LAST REPORTED ACCOUNT HEADER STATUS AMOUNT PAST DUE Equifax I XX/XX/XXXX {$13000.00} {$410.00} {$18000.00} XX/XX/XXXX PAYS 61-90 DAYS {$5100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: WI

Complaint narrative:
I filed on this with my credit agency almost a year ago and it was removed because it was proven not be mine. The creditor was XXXX in the dollar amount XXXX and it What XXXX did was change the dollar amount and resold this debt to another collection agency which is Enhanced recovery LLC in the amount of XXXX. They ca n't do re sell a debt after it 's been removed from your credit report. XXXX could not verify infomration or it was 7 years up already and removed, not sure which one but I know the debt did not belong to me. I have screenshots to proveit was already removed on XXXX XXXX and before that XXXX without the inc listed it to try once again and removed XXXX, all screenshots provided. 

Good thing I keep snapshots of everything. I check my reports regualary also. 

attachments included shows it was removed in XXXX twice because it was not mine and anothe screenshot showing they just relisted it again with anothe creditor

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10 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: Diversified Consultants, Inc.
State: TX

Complaint narrative:
Dear Sirs, This account is over 7 years old / over the statute of limitations to be reported to the credit report and should be REMOVED / DELETED. 

This account is approximately from XXXX 2005. Diversified removed this from the credit report and then recently placed it back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
I had a Bank card in XXXX or XXXX, the year I had to declare bankrupsy. Since I have had four collection agencies for the same account with different dates of original contact. This account has been under 1. XXXX XXXX, 2. XXXX, 3. XXXX and now back to XXXX. XXXX XXXX. They are now saying the first contact was XXXX XXXX and this will stay on my credit report until XXXX. XXXX to XXXX is over 15 years under the four collection companies that have passed the account around. Legally, it should go off my account in XXXX or XXXX, not XXXX. Please investigate Portfolio Recovery, they do this to other people and change the dates of contact. I have disputed this and they will not change it or do the right thing. Why can a collection company pass an account back and forth for years falsely stating the first contact when it is not. It is the date they again passed the account back and forth. This has harmed my credit and standing. I have asked them to remove this account from my credit history. They just keep passing it around and then back to their company. I have been greatly harmed by them and their practices. I had paid one bill in XXXX, yes XXXX and just managed to get it removed two years ago. That was 17 years ago and it was a bill that had been paid in full! 

Please help me with this. This is unfair practices and passing an account back and forth changing dates has harmed me, my standing and is unfair practices. Please have them remove this from my account ASAP. If this does not work, I will contact the XXXX state Attorney General and our Senator. It is wrong to have four collection agencys on one account over the years and to change the date each time making it appear that I have had contact with them each time when I have not. I have never received any type of certification or letter stating the proper documention or that I could dispute this from Portfolio Recovery. They do not care that they are lying or destroying my credit. I am a XXXX senior citizen, and this has caused me undue and harmful stress and worry because of their unfair and harmful practices, and changing the dates every couple of years. Next year a new date will appear and they keep getting away with it. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10 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: TN

Complaint narrative:
I have a mixed credit file with another family member. XXXX and XXXX have removed the Public Record but XXXX and Transunion refuses to call the Court House to investigate. Numerous inaccuracies exist including wrong address, No  dollar amount, wrong District for Bankruptcy and furthermore they say it happened on my birthday. Please remove this from my file?

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 2017-12-10 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: PA

Complaint narrative:
Experian has my XXXX XXXX XXXX card showing Negative and there has not been no late payment in over 18 months. Experian says on my report it will be XXXX before it goes positive. 

There should be no negative showing considering nothing been late in over 18 months FTC been file on Experian as well

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 2017-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: NC

Complaint narrative:
On XX/X/2017 I sent money through western union to my finance company in regards to a payment for my vehicle. The finance company never received the funds and I have been trying to locate the funds ever since. When I call customer service they transfer my call to different departments and then I get hung up on. Every time I call they claim to have opened a ticket but there is never a resolution. Due to the transaction not being completed my vehicle is no longer available. I need help locating and receiving a refund immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
I am currently going through a financial hardship due to serious health issues. Many of my accounts are delinquent at this time. The calls are out of control with most of my creditors. However Synchrony bank is the worst. They call multiple times a day after I have advised them they do not have my consent to call my cell phone on an automated dialing system which is within my rights as a consumer under TCPA. It is my belief that they are in violation of FDCPA laws. They are leaving multiple messages on this same number multiple times a day. My understanding of these laws is that even if I have a multiple account relation ship with the company leaving one message a day is considered a contact. By law a message is a contact and they are only allowed one contact per day even if they did not speak to me. A voicemail is considered a contact under these laws. I feel as though this is an unfair practice and they are harassing me which is causing me added stress on top of all that I am going through right now.

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 2017-12-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Americas Car-Mart, Inc.
State: KS

Complaint narrative:
CAR-MART in XXXX XXXXXXXX Missouri accepted my XXXX XXXX XXXX in Perfect Condition and paid off, as a Trade in for a much older car model XXXX. Aftet spending the whole day thereI was worn down waiting for them to finalize their paperwork. I had my vehicle the XXXX XXXX XXXX appraised at 4 Dealerships and they offered me XXXX to XXXX XXXX dollars to buy it from me. I didnt think CAR-MART of XXXX Missouri would take that long approving this deal. After 6 hours I left to go home to take my medication. I have been on XXXX XXXX SINCE XXXX. When i returned to CAR-MART of XXXX XXXX Missouri I did not know what they did to the paperwork. I tried to get them to lower that price. CAR-MART informed me only {$3500.00} was used for my trade. Also I was told that a Extended Warranty HAD TO BE INCLUDED EVEN AFTER I DECLINED IT SEVERAL TIMES. I thought extended warranties were optional. After 8 hours I was tired and weak sighning papers for the deal. My first payment was paid days before it was due. My second payment was going to be a little late and CAR-MART was notified about it. The title and taxes were more than I anticipated. I went to our local library to contact CAR-MART via internet. During the internet session I was approached by CAR-MART employees telling me they are here to reposes the XXXX and demanded the keys. I asked for leniency and to please give me some time to come up with the money. I also told them I had XXXX TAG HANGING FROM THE MIRROR FOR PROOF I NEEDED THE VEHICLE TO GO TO MY DR APPOINTMENTS AND TO BUY FOOD. I just spent close to XXXX 2 days before getting the XXXX legal. They did not care and demanded the keys again. CAR-MART OF XXXX  XXXX MISSOURI LEFT OVER 10 PHONE MESSAGES IN A 3 DAY TIME SPAN. Only after a month and a half I lost my XXXX XXXX XXXX AND THE XXXX and was told, YOU WILL BE GETTING a bill from us! I asked if I could at least get my XXXX XXXX XXXX back. They laughed and said it was sold and i was not getting it back. They left me stranded at our local library. These are very mean people. I was put in a 3 day notice to XXXX after getting the XXXX legalized then 2 days after paying all that money I have no vehicle to attend my Doctor appointments and have to walk 2 miles to my closest food store. I am very upset with their business pratices praying on a XXXX Person with a XXXX XXXX XXXX son to raise after my wife XXXX in XXXX. 

Please someone look into this Very Bad situation. Thank you Sincerely XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Good Evening My name is XXXX XXXX and am a XXXX XXXX XXXX XXXX and I have implementing my XXXX XXXX expertise to build publish and produce cryptography and enthuse XXXX and XXXX XXXX networks. I have been granted mining rewards for mining ether and bitcoin as well as other Tokens and coins within the cryptocurrency environment locally which is Implemented in cryptography cryptocurrencies at this time within the XXXX XXXX XXXX XXXX. I also have a dividend as well from my realtime stock strategies through my portfolios that have cash and daily real time stock exchange funds that need to be deposited on my credit card or be issued for a new or previous financial institution. I also have Holdings that are applied to XXXX/ and all financial indexes. Please fill free to contact me if you have any questions here is copy of my portfolio that I would like to gain a depository or financial institution for emergency management and Global Health.

Company response to consumer: Closed with explanation