vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed several times a bunch of inaccurate data that is only listed on my Equifax credit file. No response and no corrections. Please help XXXX XXXX XXXX Please remove not nor ever been my name. 
XXXX XXXX XXXX XXXX XXXX Clearly this is a duplication listed with no verification and outdated also, please remove this listing XXXX XXXX XXXX XXXX XXXX There is no money owed to this company as you are reporting delete this from your files due to the inaccurate information FAIR COLLECTIONS & O XXXX This should not be reporting as a collection it was paid and this needs to be removed XXXX. XXXX XXXX - XXXX Account was paid with the original creditor, this is inaccurate data please remove as this is a violation XXXX XXXX XXXX Remove this false information, it was paid and should not be reporting as a collection XXXX XXXX No collection exist with this agency please deleted this inaccurate data listed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I have contacted Bank of America regarding a fraud account I saw on my credit report. They stated that there was a " balance transfer '' to an account in my credit report, therefore saying that I am responsible for it. That other account has been now removed from my credit report because that was also a fraud account opened under my name. 
I have been in contact with Bank of America for the past several months, it is not my account, I have never opened this account, I would like this fraud and innacaraute information to be removed from my report pursuant to Fair Credit Reporting Act, 15 U.S.C. 1681 ( FCRA ) Account name BANK OF AMERICA Account number XXXX .... 
Recent balance {$12000.00} as of XX/XX/XXXX Date openedXX/XX/XXXX Status Account charged off. {$12000.00} written off. {$12000.00} past due as ofXX/XX/XXXX. 
In dispute XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Address identification number XXXX Type Credit Card Terms NA On record untilXX/XX/XXXX Credit limit or original amount {$12000.00} High balance {$12000.00} Monthly payment {$0.00} Recent payment amount {$0.00} Date of statusXX/XX/XXXX First reportedXX/XX/XXXX Responsibility Individual Comment Account closed at credit grantor 's request. 
Reinvestigation information This item remained unchanged from our processing of your dispute in 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 non-monetary relief
Consumer complaint received 2017-10-12 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: TN

Complaint narrative:
THESE ARE NOT MY ACCOUNTS. I HAVE ASKED THEM TO BE REMOVED. I WAS TOLD TO SEND PROOF. THAT IS NOT MY RESPONSIBILITY. IT IS THE RESPONSIBILITY OF THE PERSON REPORTING IT. 

XXXX XXXX XXXX from XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX Bank XXXX XXXX from XXXX XXXX, XXXX +

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
I 'm having problems receiving mail from my mortgage lender. I 've been trying to get a modification on my loan for several months. The only way to know where I stand in the modification process, is by phone. In the last three weeks, I have been unable to get return calls. I was informed a month ago, by one of the acct managers that they had my mailing address incorrect. As of today I still have n't received any mail concerning their decision. I am having problem contacting my acct manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 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: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
There is an inaccurate late payment on my credit report as a result of fraud charges on my credit card, I have never been late on payments however it is reporting on the credit report. I contacted Barclay fraud dept and they said they are not reporting the late payments and to dispute it with the credit bureaus, I have done that for the past year and nothing has changed. 


BARCLAYS BANK DELAWARE Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Paid, Closed. 
In dispute XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX Address identification number XXXX Type Credit Card Terms NA Credit limit or original amount {$500.00} High balance {$6100.00} Monthly payment {$0.00} Recent payment amount Not reported Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Completed investigation of FCRA dispute - consumer disagrees. 
Comment Account closed at credit grantor 's request. 
Reinvestigation information This item was updated from our processing of your dispute in 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 2017-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On my credit reports from XXXX, XXXX, and XXXX there appears a tradeline that I have been disputing since XX/XX/XXXXwith the CRAs and the furnisher. 

The tradeline is furnished by XXXX XXXX XXXX XXXX XXXX and it lists itself as the lender on an alleged conventional real estate mortgage opened in XX/XX/XXXX. The reference number is XXXX. I did not get a mortgage loan from XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. There is no promissory note, allonge, or endorsement of a promissory note listing either as a lender with me as a borrower. 

The CRAs keep returning verified as the result of the reinvestigations.

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 2017-10-12 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:
THESE INQUIRIES WERE NOT MADE BY ME. I WAS ASKED TO PROVIDE PROOF. IT IS THE RESPONSIBILITY OF THE REPORTING COMPANY TO PROVIDE PROOF. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
There is an inaccurate late payment on my credit report as a result of fraud charges on my credit card, I have never been late on payments however it is reporting on the credit report. I contacted XXXX fraud dept and they said they are not reporting the late payments and to dispute it with the credit bureaus, I have done that for the past year and nothing has changed. 


XXXX XXXX XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Paid, Closed. 
In dispute XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX Address identification number XXXX Type Credit Card Terms NA Credit limit or original amount {$500.00} High balance {$6100.00} Monthly payment {$0.00} Recent payment amount Not reported Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Completed investigation of FCRA dispute - consumer disagrees.

Comment Account closed at credit grantor 's request.

Reinvestigation information This item was updated from our processing of your dispute in 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 2017-10-12 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: MN

Complaint narrative:
There is an inaccurate late payment on my credit report as a result of fraud charges on my credit card, I have never been late on payments however it is reporting on the credit report. I contacted XXXX fraud dept and they said they are not reporting the late payments and to dispute it with the credit bureaus, I have done that for the past year and nothing has changed. 


XXXX XXXX XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Paid, Closed. 
In dispute XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX Address identification number XXXX Type Credit Card Terms NA Credit limit or original amount {$500.00} High balance {$6100.00} Monthly payment {$0.00} Recent payment amount Not reported Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Completed investigation of FCRA dispute - consumer disagrees. 
Comment Account closed at credit grantor 's request. 
Reinvestigation information This item was updated from our processing of your dispute in 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 2017-10-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I would like to file a complaint against Navient for harassing me. I have repeatedly tried to lower my payments with no help so I pay whenever I can and it has not even been a month ( last payment was XXXX XXXX XXXX XXXX since my last payment yet I am still getting up to 8 calls and 2 emails a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 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:
this company is claiming i opened an account i never done business with them and never authorized anyone to open any account i never been or shopped with XXXX like they claim i filed a police report and here it is if they dont remove it this time my next step is to take them to court

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 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: MARINER FINANCE, LLC
State: FL

Complaint narrative:
this company is claiming i opened an account i never done business with them and never authorized anyone to open any account i never been or shopped with XXXX   like they claim i filed a police report and here it is if they dont remove it this time my next step is to take them to court

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 2017-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southwest Recovery Services, Inc.
State: OK

Complaint narrative:
I am applying for a home loan and was informed that there is a collection item on my report. Its is on XXXX. It shows I have a collection item through Southwest Recovery in the amount of XXXX. I have no idea who or what this is. I tried to dispute this through XXXX wed site but was giving a screen that stated that " You have no negative account on file '' and was not allowed to go any further. I called every number I could find for XXXX but was unable to speak to anyone just got info regarding the security preach. I then contacted Southwest Recovery. I spoke with XXXX XXXX and then XXXX XXXX.After spending over an hour on the phone with them.Neither one could find an account with my name, address, phone number or last 4 of my ssn. They did on more than one occasion asked me if I knew a XXXX XXXX. Which I do not. This is the only bad mark on my credit bureau and is stopping me from getting a HUD-184 loan. I do not know what to do next and hope you can help. Name XXXX XXXX XXXX, XXXX Acct # XXXX. SSn. XXXX. Address XXXX XXXX XXXX XXXX. XXXX, OK XXXX The account shows it was reported on XX/XX/XXXX, Opened on XX/XX/XXXX, last active XX/XX/XXXX and reviewed for 6 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX started calling about 1 & 1/2 years ago regarding a {$150.00} debt. After speaking to a representative on more than one occasion, I was told that i would not get any more bills, not to worry about the bill and that I did not lease any equipment. Many hours were spent on the phone for this. 
Then a few months ago I got a call from XXXX XXXX XXXX, a collection agency. After explaining to Supervisor XXXX XXXX at that agency what the situation was, I completed a Fraud Report at his suggestion. 
Now I am getting calls from Southwest Credit for an even larger amount of money - {$150.00}. I spoke with them and asked them to send me the proof that they said they had that I owed this. They sent no proof-only a bill for {$150.00}. 
We tried calling XXXX XXXX XXXX again last week and I was hung up on when I asked them to please look at their notes, in which it will state that they told me I did not owe them any money on this case. 

Thank you very much for your help! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I never authorized PayPal to open and then close a account. This has caused my score to drop by 50. Please correct

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Astra Business Services
State: CO

Complaint narrative:
XX/XX/XXXX XXXX XXXX - Called me, did not leave message ; XX/XX/XXXX XXXX XXXX - Called me, did not leave message ; XX/XX/XXXX XXXX XXXX - Called me, did not leave message ; XX/XX/XXXX XXXX XXXX - I returned call and, after realizing I had no business dealings with them, asked them to place me on Do Not Call list and to not call me back ; XX/XX/XXXX XXXX XXXX - Called me, did not leave message ; XX/XX/XXXX XXXX XXXX - Called me, did not leave message ; XX/XX/XXXX XXXX XXXX - I returned call to ask them once again to put me on Do Not Call list, to not call me back, and to inform them that I would report them the next time they called ; XX/XX/XXXX XXXX XXXX - Called me, so I answered and informed them that they had violated my request to not call me again and that I would be reporting them.

Company response to consumer: Untimely response
Consumer complaint received 2017-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX, TRANSUNION AND XXXX HAS NOT DONE A PROPER INVESTIGATION ON THE HARD INQUIRYS ON MY CREDIT REPORT. SINCE THE DATA BREACH THEY HAVE NOT DONE ANYTHING TO REMOVE ALL THE FRAUDULENT INQUIRYS ON MY REPORT. I DID NOT APPLY FOR CREDIT WITH ALL THOSE COMPANYS. I WOULD LIKE ALL THE INQUIRY 'S ON MY CREDIT REPORT REMOVED NOW. 

Under the Fair Debt Collection Practices Act Section 805 ( C ), it is my right to request that you cease contact with me. I am exercising my right to do so with this letter. I request that you immediately CEASE and DESIST all contact with me. 

If this final request does not prompt you to conduct a proper investigation of the items in question, or the immediate and complete REMOVAL of the INQUIRIES and NEGATIIVE COMMENTS from all my credit reports ( XXXX, XXXX, and Trans Union ) immediately. Please send proof to me of said investigation, I will file a civil suit in your county, or state for damages.
Your Company has failed to send the legally required validation of this debt. You have been notified that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act.

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 2017-10-12 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: FL

Complaint narrative:
this XXXX XXXX at XXXX is claiming i opened the account i have her inforamtion and im about to file suit against that lady in XXXX and XXXX i never opened this account i was in XXXX till XX/XX/XXXX and was in a XXXX XXXX XXXX from XX/XX/XXXX till XX/XX/XXXX with a XXXX XXXX couldnt leave my work and was in XXXX 45 mins from this dealership she needs to investigate properly and remove this account shes XXXX XXXX and she called me a XXXX XXXX and a XXXX XXXX when i called her two weeks ago told me im not american i was born in this country and i served this country in 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 2017-10-12 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:
I 'm need somebody.help me.please my

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I recently relocated to XXXX XXXX XXXX for work. I had to exhaust my savings to move and get a new apartment etc. As a result, I fell behind on my payments from XXXX - XXXX. In the month of XXXX I tried to login to the online payment system for Wells Fargo Dealer Services and it kept giving me an error message and would not allow me to login. 

On XX/XX/XXXX I called Wells Fargo Dealer services because I still could n't login and wanted to take care of the issue. I was notified that they had initiated repossession on XX/XX/XXXX. I offered to pay the entire amount of past due payments and late fees and resume the loan, they declined. The rep on the phone said I could turn in the vehicle and owe the remaining $ XXXX balance or I could offer a settlement amount and pay {$1500.00} - $ XXXX/mo until the settlement balance was paid and then I would retain ownership of the vehicle. 

I asked several times to make the entirety of owed payments and late fees and was denied. The rep said that turning the vehicle in or settlement were my only options. A settlement was reluctantly offered of {$8500.00} with concerns of the aggressive {$1500.00} - $ XXXX/mo pay schedule. I was told that the settlement would be sent to a manager and I would receive notification of approval or a counter amount. I did not receive contact back. 

I am not sure why I can not pay the amount of owed payments and late fees and resume my loan. If a settlement is my only option I would like that to be decided soon or receive confirmation from the lender.

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 2017-10-12 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: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
I was on a payment plan with Target. Where they took my bank acct info and were taking payments out every month automatically. I noticed that they suddenly stopped taking the payments out of my account. I called them and they said they reported me 30 days late because I had to re-set up the payment plan. No one notified me that I needed to do so, or let me know what they payment plan was about to expire to call in and renew it. I have since renewed it and they are taking the money, however I do n't think it is fair that they reported me late when they had the control of my bank to take their payments.

Company response to consumer: Closed with explanation