vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: OH

Complaint narrative:
i attended XXXX XXXX in texas for less than a month before they closed the school because they were taking students money. i never recived any money from XXXX but i have proof saying i paid it back but its still affecting my credit report. I also have XXXX apartments i lived at 3 years ago on my credit report and when i went to court for XXXX they told me they were not going to hold the money against me they just wanted me out the apartment i left but now it is also affecting my credit report. Then there is XXXX ER from XX/XX/XXXX and when i contacted XXXX from billing at the er she says their is no such bill due to the fact i have had medicade since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CRA violation no knowledge inaccurate accounts appeared on my Experian credit report. FTC ID Theft Report # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX, keeps doing inqiries on my credit report with out my concent the dates are XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX I never give my SSN to any company unless it is for a credit apllication. 
So how did they get my SSN?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Hi my name is XXXX XXXX and I have been trying to dispute a charge for my payment of XX/XX/XXXX. I scheduled the payment to be withdrawn from my account. On XX/XX/XXXX, XXXX XXXX XXXX has withdrawn {$680.00} from my checking account. On XX/XX/XXXX, I get a call from Ally saying my payments did not go through and I have statements from my account proving that the payment was successful. How do I go back getting this resolve so it would not effect my credit score and account. Thank you.

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 2018-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
CRA violation no knowledge of the fraudulent accounts on my Equifax credit report. FTC ID Theft Report # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY

Complaint narrative:
XXXX says they represent XXXX XXXX XXXX for bill collection. XXXX says their bill has XXXX balance. If your client has XXXX balance since XX/XX/17 and XXXX insists they are representing client, why are they pursuing 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 2018-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I called this am and was told for my account ending in XXXX I could get the XXXX transaction history DEPOSITS including the last 4 numbers of sending acct number, and person who sent it. I spent time at the branch no one can help me. I need to see all transaction info relating to deposits into acct asap I was told it should be showing but it is not please help

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 2018-05-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
According to my research, I have been experiencing a lot of issues concerning the alleged third party debt collector ( Mr Cooper aka NationStar Mortgage, Who I do not currently have a valid contract along with XXXX XXXX XXXX, XXXX. I'm currently in active XXXX  during XX/XX/XXXX to current status until XX/XX/XXXX, I recently receive a foreclosure notice from Foreclosure law firm XXXX XXXX XXXX , XXXX, for XX/XX/XXXX, which I'm currently still in bankruptcy. I would like for the foreclosure law firm to be fully investigated according to Ultra Virus 9-203 and Theft by Deception under 7-105, and violated FDPCA, according Fair Debt Practice Credit Act. violated my equity rights to the property. I recently filed a complaint in XXXX  XXXX XXXX Court to vacate the stay due to bankruptcy status. Based on alleged Mr Cooper aka Nationstar Mortgage. I have also send numbers of debt validation and QWR ( Qualified Written Response and UCC-9-210 PROOF CLAIM ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CRA violation no knowledge inaccurate accounts on my Transunion credit report. FTC ID Theft Report # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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: CA

Complaint narrative:
Here are the dates when I mailed out letters asking them to fix the errors XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and till this date they have failed to provide me with proof as per the fcra. AS I understand, federal reporting laws, particularly the Metro 2 data formatted reporting regulations enacted as a results of the CRSA, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine, and proven of my responsibility. It is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibilities or the mandates nor the liabilities should that entity become deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have ONLY CURRENT TRUE ACCURATE and physically proven Metro 2 COMPLIANT information reporting, I do NOT AUTHORIZE you to retain any other accusations of a adverse or derogatory nature, true or not. RETAIN or return to requisite Metro 2 compliance by your immediate and willful annulment of any and all of the above unproven to be compliant information already or not already rectified by the other major credit bureaus as mandated by law. Thank you in advanced.

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 2018-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: CO

Complaint narrative:
Regarding stolen money orders. 
from XXXX Retail Money Orders department XXXX XXXX XXXX XXXX XXXX, XXXX XXXX These were bought with cash at XXXX XXXX, stolen from the XXXX, doctored and returned to XXXX XXXX and were cashed at XXXX XXXX_ They should have a copy of the person on video. Federal Case # CA XXXX [ ref : XXXX : ref ] money orders # Money Orders XXXX & XXXX XX/XX/XXXX to XX/XX/XXXX I went back and forth about these money orders to get a replacement from Western Union. 
Western Union is passing this off to XXXX XXXX and XXXX XXXX is saying they can't do anything until Western Union closes their investigation. I have talked to XXXX from XXXX XXXX XXXX and she says they are closing case # XXXX because it is still in the hands of western union. But the following corespondence shows that Western Union has turned this over to XXXX XXXX. 

On Thursday, XX/XX/XXXX, XXXX XXXX MDT, Money Order - XXXX XXXX wrote : Dear XXXX , Please be advised that the Forgery claim for Money Orders XXXX & XXXX have been initiated on XX/XX/XXXX and both are currently pending at the XXXX  XXXX XXXX XXXX . Just a reminder that Western Union does not investigate this claim, but the bank does. Western Union acts in good faith assisting you in an attempt to collect the funds and provides this service free of charge. 
Thank you for contacting Western Union. 
Sincerely, XXXX XXXX Western Union Financial Services , Inc . 
My letters were stolen out of the mailbox on XX/XX/XXXX. I started this process with Western Union on XX/XX/XXXX when I learned that the MO never credited to my credit cards. They were brought back to XXXX XXXX store XXXX. District manager XXXX XXXX has tried to get them to move on this but says XXXX XXXX told him they have 100 days to look into this. There is no promise yet that they will pay. They have had all the info to prove I did not cash these altered money orders but still refuse to deal with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems
State: NY

Complaint narrative:
I am a victim of identity theft. Today my credit monitoring service alerted me to a collection account that was just added to my credit profile. The collection account is : Midwest Recovery Systems which is a debt collector collection a debt for the original creditor " XXXX  XXXX XXXX ''. 

I have never done business with XXXX XXXX XXXX or heard of XXXX XXXX XXXX. A quick look at my credit report shows zero late payments for any accounts and only one negative account which is this collection account. 

Several years ago my office was broken into and several identity documents were stolen. Included was my driver 's license, my passport and my social security number. I filled a report with my building 's security and then later after my identity was stolen I hired an attorney who had my file a police report. Several bank accounts, credit accounts and even a penthouse apartment lease was executed in my name without my knowledge. All of these accounts have been investigated and removed from my files after outside investigations. 

I have attached a copy of the affidavit of identity theft affidavit and the police report. I have also attached copies of letters from XXXX XXXX XXXX regarding bank accounts opened in my name fraudulently and a letter from an apartment complex where someone had executed a lease in my name without my knowledge, approval or authorization to back up my identity theft claim. All of these documents have contact information on them if any party needs to verify any of the information. 

This debt collector and original creditor may only contact me in writing either through the CFPB portal or through the mail. This debt collector and the original creditor may not contact me over the phone, all communication must be in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Santander Consumer USA, an auto finance company was verbally told to no longer call me after a XXXX XXXX XXXX but instead to communicate with my wife.Since then I have gotten repeated calls from them all day every day using many different phone numbers. Even though I block these numbers they seem to have an inexhaustible supply of them. Numbers include but not limited to ; XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. These are actually a very small sample of the numbers I have blocked and yet still receive calls from every day, no voice message is ever left. My phone identifies these as bad numbers coming from Santander Consumer USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had a credit card with Wells Fargo, in XX/XX/XXXX my wife was injured by a doctor causing to become XXXX in her XXXX XXXX. We were contacted by XXXX XXXX XXXX and signed up with them they scammed us till you guys came along ( THANK YOU BTW ). They told us not to pay creditor and to pay them, so we went into collections. That was in XX/XX/XXXX, we settled with XXXX XXXX for less then the amount owed, and were waiting until the other sent us any information. Apparently in XX/XX/XXXX the same year we settled Wells Fargo sent a IRS from 1099-C. I have disputed the account being open many times and my wife as well since she was just a authorized user and it was open before marriage this a few times with wells fargo and they keep reporting this monthly as an open debt. I have call them and they say they will do something about it and for two years now nothing. We are at our wits end with them. I am hoping you can do something about this.

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 2018-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I contacted XXXX XXXX via their online form and requested to opt out due to having my personal information stolen after a home invasion. I provided the information of the police department, detective and case information. I explained that I was in fear of my safety as I was a victim of this crime and feel my safety is at risk. 

I received an email back stating that the information provided did not meet their requirements to have my information concealed. I than see that they are reporting on my credit report the address of my home that was not previously listed as it was not reaffirmed and Equifax states the information is from XXXX XXXX credit reporting agency. 

The public records is causing me fear for my safety and physical health and the information they are reporting to the creditors is not accurate and causing me to have problems with my credit history. 

I appreciate the assistance with having the issues with Lexis Nexis resolved. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Premier Holdings
State: PA

Complaint narrative:
Hi, I was contacted by Premier Holdings saying they were collecting on a very old debt. I do not recall this debt as it does not show up on my credit report and is almost 10 years old.

The company threatened legal action, wage garnishment, and 180 days in jail as well as court and legal fees.

I have received nothing in writing from this company or any documents from local courts.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Ditech Financial LLC
State: GA

Complaint narrative:
My XXXX Personal Credit Report contains three inquiries made by XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

The stated purposes are for account review and promotion. All of these inquiries were made illegally, I have had a promotional block on my XXXX file since XXXX, a permanent security freeze in place since XXXX, and I have no account with XXXX XXXX XXXX XXXX. XXXX was notified and promptly deleted the inquiries from my file since none were permissible. 

Apparently this company willfully evaded or circumbvented the safety measures I put in place to prevent unauthorized release of my private information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I opened up a XXXX XXXX account in order to get a XXXX XXXX Amex credit card. I then got it. 

My XXXX XXXX account was closed. 
Amex let me know I have until XX/XX/XXXX to open a new account or my amex card will be closed. 

In XX/XX/XXXX I opened a new XXXX XXXX account. 

Still Amex closed mt credit card on XX/XX/XXXX and blamed it on XXXX XXXX. 

I called XXXX XXXX they said it was Amex decision. 

Fact is someone is lying and acted against their own terms and conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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:
After sending information to verify myself ( see attachment ) with my disputes, as of XX/XX/XXXX & XX/XX/XXXX Equifax has not investigated or responded to the following issues on my credit report at all. They have violated the FCRA 30-day-to-respond regulation. The creditors have attempted no contact with me resulting from said investigations. If I must, I will take legal action but I want to create a paper trail.  Please see items below ACCOUNTS XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX  XXXX never late INQUIRIES XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX A XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX   XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX   XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX   XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CHECK INTO CASH INC.
State: NY

Complaint narrative:
I am a victim of identity theft. Today my credit monitoring service alerted me to a collection account that was just added to my credit profile. The collection account is : XXXX XXXX XXXX which is a debt collector collection a debt for the original creditor " Check Into Cash ''.

I have never done business with Check Into Cash or heard of Check Into Cash. A quick look at my credit report shows zero late payments for any accounts and only one negative account which is this collection account.

Several years ago my office was broken into and several identity documents were stolen. Included was my driver 's license, my passport and my social security number. I filled a report with my building 's security and then later after my identity was stolen I hired an attorney who had my file a police report. Several bank accounts, credit accounts and even a penthouse apartment lease was executed in my name without my knowledge. All of these accounts have been investigated and removed from my files after outside investigations.

I have attached a copy of the affidavit of identity theft affidavit and the police report. I have also attached copies of letters from XXXX XXXX XXXX regarding bank accounts opened in my name fraudulently and a letter from an apartment complex where someone had executed a lease in my name without my knowledge, approval or authorization to back up my identity theft claim. All of these documents have contact information on them if any party needs to verify any of the information.

This debt collector and original creditor may only contact me in writing either through the CFPB portal or through the mail. This debt collector and the original creditor may not contact me over the phone, all communication must be in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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: PA

Complaint narrative:
Equifax Confirmation # XXXX XX/XX/2018 Personal Identification Information : has XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX there is no such address. Equifax keeps putting address on my credit file that is not correct now this address just pop ups.

Equifax does nothing but create address for money so they can sell information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
Transfinancial has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation