vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-24 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: WV

Complaint narrative:
Equifax shows various inquiries and or accounts that simply are not mine or known to me as being done. The following is the information I have received via XXXX XXXX today, showing the hard inquiries and such which I know are completely theft and not by my own self/knowledge. This is ID Theft perhaps. 

1. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
Inquiry from XX/XX/XXXX 2. 
XXXX XXXX XXXX  XXXX Inquiry  from XX/XX/XXXX 3. 
XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX 4. 
XXXX XXXX Inquiry from XX/XX/XXXX 5. 
XXXX/XXXX Inquiry from XX/XX/XXXX 6. 
XXXX XXXX - XXXX Inquiry from XX/XX/XXXX 7. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
Inquiry from XX/XX/XXXX 8. 
XXXX XXXX Inquiry from XX/XX/XXXX 9. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 10. 
XXXX XXXX Inquiry from XX/XX/XXXX 11. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX 12. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 13. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
Inquiry from XX/XX/XXXX 14. 
XXXX XXXX/XXXX Inquiry from XX/XX/XXXX 15. 
XXXX Inquiry from XX/XX/XXXX 16. 
XXXX XXXX Inquiry from XX/XX/XXXX 17. 
XXXX XXXX Inquiry from XX/XX/XXXX 18. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX 19. 
XXXX 's XXXX - XXXX Inquiry from XX/XX/XXXX 20. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 21. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX **This is highly frightening and alarming** please assist me in repairing whatever damage possible. Thanks much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Money Theft, Embezzlement, Fraud, and Written Contract violation by Wells Fargo & Co and XXXX XXXX XXXX XXXXXXXX XXXX XXXX and involved attorneys, refusing to refund overpayments received in excess of contract obligation amount and attempting to force signature on document releasing them from criminal activity liability with unreasonable deadline as condition of receiving refund of overpayments with interest charges requested due to years of nonpayment of money due, despite multiple requests for refund of overpayments.

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 2018-04-24 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:
ive asked Experian to delete incorrectly reporting information as well as out-dated information which they have not removed, due to their negleigance Ive been denied housing as well as employment opportunities.They 've claimed to have verirfied such accounts by certified account, which I did not receive the proof to cross examine myself there are out-dated school accounts reporting incorrectly as well. Experian continue to ignore my request to correct the information they're reporting.

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 2018-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
Today @ XXXX, I called Mr. Cooper . I spoke with XXXX and I requested to make payment of {$400.00} today. I told her I would call in to make additional payments. She placed me on hold stating that she had to speak with her supervisor. 
After holding, XXXX ( Mr. Cooper ) came on the phone. He stated that payments could not accepted as I would need to set up 5 payments now. I told him that I could not do that today and that I can set up 2 payments for today. He stated that 5 payments would have to be made by Monday XX/XX/XXXX. I told him I could not do that. He asked, Maam do you want your house to go into foreclosure ...? I asked him if he was trying to instill fear in me by threatening me with foreclosure. XXXX stated that a demand letter was sent on XX/XX/XXXX. I informed him I did not receive a demand letter. XXXX stated that a total of {$3400.00} would have to be made by XX/XX/XXXX and he will not accept any payment. I asked him to identify himself. He stated that he is the Foreclosure Loss Litigation Specialist. XXXX mentioned a demand letter was sent on XX/XX/XXXX, I informed him that I did not receive a demand letter on both dates he mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I received an offer in the mail from TD Bank : Open a TD Convenience Checking account and earn {$150.00} when you receive direct deposits totaling {$500.00} or more within 90 days. Even though it was addressed to the former resident who hasnt lived at this address for 5 years, on XX/XX/XXXX I took the mailer to the local TD branch to see if I qualified to meet the requirements for the offer. I showed the bank rep ( I believe the persons name is XXXX XXXX ) the mailer, and after he did some research, he said that I qualified, so I opened an account and then set up direct deposit. After 90 days, I hadnt received the {$150.00}, so I called the bank. XXXX told me that it could take up to 125 days from account opening to receive the offer. On XX/XX/XXXX, I still hadnt received the {$150.00}, so I called the local bank and spoke to XXXX again. This time, she told me that since my wife once had an account with TD Bank, that I did not qualify for the offer. The person that had opened the account for me told me that I did qualify. It is not my responsibility to verify if I qualify for the offer ; it is theirs and they should perform their due diligence before telling me that I qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc.
State: MD

Complaint narrative:
My complaint is to creditor, NCC Bus Sv, which I was never notified of this ridiculous amount they claim I owe which is {$4500.00}. Last year XX/XX/2017 I vacated XXXX XXXX XXXX my rent was XXXX plus late fees 5 % which leaves XXXX, I left the apartment 2 months prior to my renewal date which was XXXX due to rodent issues. I was never contacted by this company thru mail or by phone, this year I got a copy of my credit report and it states that I owe this outrages amount which is twice as much I owed for rent plus the late fees, I want to know where did they get this outrages amount from.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Tere are something i havent apply for i nenes Then of ny Credit report so please

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 2018-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The information that is reporting on my credit report is not correct my name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX, maryland XXXX. Everything else far as my address and name that is reporting on my credit report is incorrect.

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 2018-04-24 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
When additional principal payments are sent to the bank, the bank is taking finance charges out of principal only payments, even though payments are marked principal only. Five additional principal payments were sent between XXXX and XXXX and each time the bank applied towards finance charge and principal. While the bank will reverse this if you call directly, it is a predatory practice.

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 2018-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC
State: CA

Complaint narrative:
I previously sent Capital Accounts a validation of debt letter under the Fair Debt Collection Pratices Act to validate what they claim that I owe them. And all I received was an itemized list of alleged charges. This does not meet the Federal Trade Commission guidelines of what constitutes proper debt validation. ( I have attach the original Validation letter XXXX. During my request of proper debt validation with Capital Accounts I notice that they are still reporting this collection on my credit report, which is considered to be a collection activity. They are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collection on my credit report are causing me severe problems in trying to purchase a home and the damage could lead in to the {$1000.00} 's. Reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all benefits of good credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: NY

Complaint narrative:
I didt apply for this card

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Loantopia
State: CA

Complaint narrative:
Hi my name is XXXX XXXX i was told on the phone my payments would be XXXX a month at 20 % for XXXX i said okay then they had me esign the documents so i did then the had me pay one time on the XX/XX/XXXX then they said on the XX/XX/XXXX of every month i said okay land i did but then they email me saying that i sign up to do ot every two weeks i asked them if this was a payday loan they told me no but yet they want me to pay every two weeks or they are going to get a judgement me on i told them if i would of know that i would not of done it there interested is 208 % on a XXXX loan i told them that i cant do that they said i have to and i have no rights that i sign the XXXX sign it and i have to i dont know what to do and now they want me to pay XXXX every two weeks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 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: GA

Complaint narrative:
On XX/XX/XXXX, I notified the credit bureau that I am a victim of Identity Theft, ( police report, identity and theft affidavit ). I provided the legal documentation required along with identifying information. I requested they remove the following accounts. This information is still reporting. I was first violated when they failed to verify the information and then when they reported it. The original creditor has deleted the account but the collection agency and credit bureau accounts are reporting The credit bureaus and the collection agency has ignored the laws that was set-forth to protect me. It has exceeded the 30 days to investigate and delete the account. 
The companies are : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX The only address that should be reporting i s XXXX XXXX XXXX XXXX, XXXX Ga, My Name should be reporting as XXXX XXXX XXXX XXXX No variations and no AKA I did Not authorize the following Inquiries : XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-24 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The information that is reporting on my credit report is not correct my name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX, maryland XXXX. Everything else far as my address and name that is reporting on my credit report is incorrect.

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 2018-04-24 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: AES/PHEAA
State: CA

Complaint narrative:
They are reporting late payments and they are unable to back up the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Congratulations on reining in Wells Fargo and making them pay for their arrogance. 
Recently while house cleaning I came across a Wells Fargo piece of mail which I had not opened since XX/XX/XXXX.

The letter mentioned that I had opened a CD for {$5100.00} on XX/XX/XXXX for a term of 3 months. The maturity date was XX/XX/XXXX. The next maturity date was for XX/XX/XXXX. 
The problem is I don't remember purchasing this CD. So I asked the branch in XXXX XXXX, MN what was the disposition of this CD. I do have a checking account with Wells Fargo which evolved into two additional savings accounts without my knowledge. 
The banker said that it's been a decade and they didn't keep records that long. She added that the bank would search the archives if possible. That's the last I heard from Wella Fargo. 
Of course I take the blame for not opening the mail and taking care of the problem a decade ago.

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 2018-04-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I C SYSTEM is showing up on my credit report stating I owe {$260.00}. there is no contract or anything on 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 2018-04-24 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: CASHCALL, INC.
State: CA

Complaint narrative:
CASHCALL made a payment deferral contract with me, deferring my loan for three months with a normal payment made in XX/XX/XXXX.The contract attached is fully executed now that the XX/XX/XXXX payment has been made.Their contract does not spell out which 3 months are deferred ( legally voidable contract ) yet it is assumed to be the three months prior to XX/XX/XXXX.Yet when I call the company and dispute with the credit bureaus, the company will not relent from attributing a 60 day late in XX/XX/XXXX, one of the 3 months deferred. 
They don't seem to legally be operating regarding the definition of deferral and their own contract which is illegally nebulous regarding naming with specificity the three months deferred.XXXX has refused to re-investigate the matter because so many disputes have been made and the company will not honor their deferral contract, updating the credit bureaus without due regard for their contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 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: MD

Complaint narrative:
The information far as my name and address that is reporting on my credit report is not correct. The correct spelling and address is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX, maryland XXXX. Everything else far as the other names and address is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 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: EQUIFAX, INC.
State: OR

Complaint narrative:
It is a simple problem that Equifax refuses to fix. 

I had an account in collections. I made a settlement agreement with the collection agency. Part of that settlement agreement stated that the collection agency would send a manual deletion of the account upon my down payment. I made the down payment and the collection company sent the manual deletion. XXXX   and XXXX have both deleted the account from my credit record but Equifax refuses to do so. Equifax continues to maintain that the collection agency has not sent the manual deletion. I have spoken with the attorney for the collection agency and they have indeed sent the manual deletion three times. I am inclined to believe him because not only did he give me proof of the manual deletion being sent but two of the three credit bureaus have removed the item without hesitation. 

I own two businesses and employ 30 people. This negative reporting on my credit file is causing me to not be able to have access to lines of credit as well as access to other traditional capital financing opportunities. 

I have been working closely with the attorney with the collection agency. I have letters as well as other documentation showing that this account should be deleted and the attorney has even made himself available to speak directly with someone at Equifax however Equifax refuses to try to help me resolve this issue even in the slightest manner outside of beginning another useless dispute process ( I've done three disputes with them now and each time they not only get things wrong with the account but they " update '' it and end up reporting incorrect information. 

Please help, I am nearly insolvent due to my lack of access to capital which is 100 % because of Equifax not complying with the request of the collection agency that I have settled with. 

Yours truly, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alorica Inc.
State: OK

Complaint narrative:
In early XX/XX/XXXX we resolved all past due accounts with XXXX XXXX XXXX XXXX. Despite this, a debt collector who claims to be acting on their behalf has continued to attempt to collect a debt. We received confirmation on this via letter on or about XX/XX/XXXX. A little over a week later, we received a letter from XXXX XXXX. Which was postmarked on XX/XX/XXXX. Initially this was ignored as we assumed they hadn't been updated by XXXX XXXX. Since then, i have received multiple illegal robocalls to my cellphone. From this it is clear that this wasn't the issue. They simply have no concern for the law. They have continued their brazen and unlawful harassment for a debt not owed by sending a letter which was received on Monday XX/XX/XXXX. On XX/XX/XXXX , XXXX XXXX was contacted and confirmed no debt was owed.

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 2018-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
While in strong disagreement with terms without a signed agreement, my professional consultants were able to locate part of the principal error. 

We worked with my bank to obtain past information. 
Sallie Mae cashier check, at their request, for {$1800.00} dated XX/XX/2004 is not showing as part of the payment history to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: IL

Complaint narrative:
Received letter in the mail on XX/XX/XXXX ( postmarked XX/XX/XXXX ) explaining that they have a claim about a car accident a couple years ago on me for about 12000 . I sent a letter on XX/XX/XXXX in response requesting more information so i could verify the debt was valid and how much of the total amount. They sent no response to the letter. I called the company i believe on XX/XX/XXXX to verify the letter was received and to request the information. They confirmed they had revived the letter. I was told that they did not need to respond to the letter because of HIPPA laws. So i was never sent any more information to verify the validity of the claim. He gave minimal information on the phone call about how much was property and what was medical. Did not say if the entire amount was what i owed or if it was only part of it. Then proceeded to tell me the options i had to pay it back. 50 % up front by XX/XX/XXXX ( check had to be received by XX/XX/XXXX ), or payment plans for 100 % over the next few years. I said i would look into it, which is when i called the CFPB to discuss the situation. I have attached a photo of their letter

Company response to consumer: Closed with explanation