vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Performant Financial Corporation
State: CO

Complaint narrative:
My ex husband from a divorce 19 years ago, named XXXX XXXX XXXX, now deceased, has had obvious credit fraud against his social security number. 
Today a declined XXXX department store credit letter came to my address at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO XXXX, in his name. Also, other harassing threatening calls from XXXX, stating I have a legal matter in the judicial district and they know what my license plate number is and my make and model of my vehicle. I believe this is happening because i reported discrepancies with the college loan lender servicing company : Performant Recovery Inc. located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. It is my belief this company is using a retaliation tactic to cause harassment against me, now by using my DECEASED, ex husbands social security number to create more credit fraud. 
Please investigate this company, who had my ex husbands social security number, on loan documents from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CO XXXX. I had requested the loan be removed from collections with Performant  due to the death of the primary signer on XXXX Student loans that I co signed XXXX. XXXX death certificate was filed on XX/XX/2016, in XXXX County, Colorado, # XXXX. I am trying to get the credit bureaus to freeze his social security number, however, i have to send them all the death certificate and a form in the mail, they will not do this over the phone. 
Please investigate the tactics of these companies and the use of the client information systems.

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 2019-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I applied for a wells fargo credit card, they attempted to do a fraudulent transaction that I immediately said was not mine on XX/XX/19 call was recorded they can review that call. Wells Fargo issues me a new card and assures me that the transaction did not go through but then doesn't approve my claim because they say I activated the card and that I made this purchase. I did not receive the card nor did I activate it, if they would like I can send them my call log for the month and day so they can see I did not activate the card with my phone number. I was nowhere near the place where these theives were attempting to use my card so Wellsfargo denied my claim and want to hold me responsible for their charges {$610.00} worth. I am so upset and can't even imagine how they conduct investigations on claims and just blatantly lie about it and deny the claim. By lying I mean they said I called and activated the original card ending in XXXX again that's impossible. Have them call the location and request video footage whatever they need to do.I did not use this card for a {$610.00} purchase at 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 monetary relief
Consumer complaint received 2019-06-04 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: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
XXXX XXXX  damage my credit. They claim to give me service on a address that I never live before, XXXX XXXX XXXX XXXX FL XXXX. When I call them to, inf. They have the wrong person they ask me my address, I give them, my address and know they are sending me letters with a balance {$380.00} and opend a bad report in XXXX   credit report. 

Collections are accounts that are seriously overdue and may have been turned over to a collection agency. 

Account Name WAYPOINT RESOURCE GROUXXXX XXXX Creditor XXXX XXXX Open Date XX/XX/2018 Balance {$380.00} Debt {$380.00} Contact Information XXXX XXXX XXXX, XXXX XXXX, TX 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 2019-06-04 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Credit Acceptance Corporation repossed my car and l paid the car off all l owe was the Finance Charge after looking at the paper work, credit acceptance repossed my car XX/XX/XXXX and never mail me any paper work so l believe l was done with the car, now XX/XX/XXXX the court is garnishing my paycheck and l can not afford a lawyer to  sue credit acceptance, l believe the lender broke the law, can you help me

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 2019-06-04 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: FL

Complaint narrative:
I am extremely concerned about the actions credit bureaus are having on my life ... I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction ... I do not own the following accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX ( Original Creditor : 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 2019-06-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I opened an Capital One secured card account on XX/XX/2019 and the company has not reported the acvount as of XX/XX/2019. I contacted them but to no avail, they still won't report the card. 
I need the account reported to boost my credit score. The reason I applied for the card was because of the promise that they would report my payment history to all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : PORTFOLIO RECOV ASSOC XXXX .... {$2600.00}. 

PORTFOLIO RECOV ASSOC XXXX .... {$1300.00} PORTFOLIO RECOV ASSOC XXXX .... {$1200.00}. 

PORTFOLIO RECOV ASSOC XXXX .... {$480.00}. 

PORTFOLIO RECOV ASSOC XXXX .... {$480.00} PORTFOLIO RECOV ASSOC XXXX .... {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 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: FL

Complaint narrative:
This issue is an existing problem which credit bureaus werent able to resolve..They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LendingPoint Holdings LLC
State: TX

Complaint narrative:
Account was sent to collection company without notification. That collection company is now trying to collect twice the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
We returned our XXXX XXXX XXXX to XXXX XXXX of XXXX XXXX XXXX, they took possession of the vehicle in XX/XX/XXXX and we obtained a new lease on the same day, XX/XX/XXXX. XXXX XXXX was our sales person, he took the keys to the XXXX XXXX and presented our keys to the XXXX XXXX XXXX that we began a new lease on. In XX/XX/XXXX we received a call from Nissan Finance followed by a letter stating that we owed them {$770.00} for rental and excess wear and tear. XXXX XXXX never communicated to Nissan Finance that they took possession of the vehicle in XX/XX/XXXX. Additionally, after taking possession of the vehicle XXXX never walked over the vehicle with us to let us know that there may be additional fees for wear and tear. By not walking around the vehicle with us and documenting any damage XXXX has prejudiced us as we had no ability to discuss the alleged damages. Also, since XXXX had possession of the vehicle from XX/XX/XXXX to XX/XX/XXXX they can not make any allegations of wear and tear against us. XXXX may have caused the alleged damages that Nissan is attempting to collect and has sent to a collections agency. 

We demand that XXXX XXXX of XXXX XXXX XXXX take care of this bill as it was due to their incompetence that a bill arose from this situation. Additionally, if there is anything against my credit, I demand that XXXX and Nissan remove any of this against my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 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: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
On or about XX/XX/XXXX, my account was already paid in full and closed. As of date XX/XX/XXXX, AD Astra Recovery Services ( XXXX XXXX XXXX XXXX ) still reporting on the 3 credit bureau my account on collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 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: NV

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX/XXXX  ; XXXX XXXX ; XXXX XXXX XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I sent XXXX XXXX {$40.00} ( with a {$2.00} fee ) as well as XXXX XXXX {$40.00} ( with a {$2.00} fee ) through PayPal on XX/XX/XXXX as payment for concert tickets. The correct tickets were not sent and the recipient refuses to refund me. The status for both payments is " Money Sent '', but there's no way to cancel this payment. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Columbia Recovery Group LLC
State: WA

Complaint narrative:
Ive paid my debt through Columbia recovery XX/XX/2019 and Im still getting that I owe them from every credit agency.

Company response to consumer: Untimely response
Consumer complaint received 2019-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Inquiries aren't warranted, XXXX    XX/XX/XXXXXXXXXX/XX/XXXXXXXX XXXX / XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX   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 2019-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have had incidents of ID fraud in the past, between the years of XXXX and XXXX. 
Experian : XXXX XXXX XXXX opened XXXX XXXX outstanding balance {$4900.00} XXXX : XXXX XXXX XXXX XXXX opened XX/XX/XXXX outstanding balance : {$8300.00} Both items where included in the police report, which I have attached to this complaint, and included in the FTC affidavit, which is also accompanying this complaint. The creditors requested that I get a police report before they would even speak to me about said accounts. I have produced all documents required to clear this issue and yet these items continue to reflect negatively on my credit rating. These accounts where not opened by me, and most be removed 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 non-monetary relief
Consumer complaint received 2019-06-04 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: NV

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 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: NV

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX, ; XXXX XXXX ; XXXXXXXX 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 2019-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
re : XXXX account # XXXX ... XXXX letter dated XX/XX/XXXX from synchrony bank states the company is unable to delete status when the account itself was referred to XXXX XXXX XXXX XXXX as a collection agent. The account was satisfied with written correspondence form XXXX dated XX/XX/XXXX. XXXX credit report states ( charged off as bad debt )

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 2019-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX XXXX XXXX was paid and account is closed XX/XX/2019 and I have a paper from them stating Im at XXXX balance and I also have certified copies from the courts saying the judgement was settled.

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 2019-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have persistently reached out to this credit bureau in response to an account being reported on my credit report as a closed account stating I have a balance owed I have also reached out to debtor as well this information is incorrect the debtor nor credit bureau can provide me any info to support this debt is my debt nor provide my signature or provide method of verification of how account was verified this debtor received payment from XXXX XXXX and is trying to illegally collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This issue is an existing problem which credit bureaus werent able to resolve..They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX/XXXX XXXX****, XXXX XXXX XXXX****, XXXX/XXXX   XXXX****, XXXX/XXXX XXXX***,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 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: Freedom Mortgage Company
State: CA

Complaint narrative:
Describes no payment done on XXXX and late on 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 2019-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
American Express reported late payments to the three reporting credit agencies on my account. Before they made the report, I called to negotiate with American Express that I was going through financial hardship due to a XXXX XXXX I had back in XX/XX/XXXX and a Motor Vehicle Accident I had in XXXX of XXXX. After my XXXX  XXXX, I was out of work for almost two years and didn't file for unemployment because back then I was unfamiliar with the unemployment 's system. In addition, the car accident in XXXX of XXXX, which led to me being unemployed cause I needed time to recover couldn't allow me to pay any credit card nor medical bills. The dates reported are as follows : American Express XX/XX/XXXX 60 days late All 3 report Agencies XX/XX/XXXX 30 days late All 3 report Agencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have persistently reached out to this credit bureau in response to an account being reported on my credit report as a closed account stating I have a balance owed I have also reached out to debtor as well this information is incorrect the debtor nor credit bureau can provide me any info to support this debt is my debt nor provide my signature or provide method of verification of how account was verified this debtor received payment from fed loan and is trying to illegally collect.

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