vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-11 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: EQUIFAX, INC.
State: IL

Complaint narrative:
For months now, I have been disputing inaccurate information on my credit. Including accounts by XXXX, which I have NEVER had. And Equifax has not been able to show me proof of WRITTEN signature and documentation of me ever having an account with them. Now recently my credit score has been dropping by 30 points A MONTH. There is no way that this information is accurate. I do not own any accounts to make my score go down by that many points a month. This inaccurate information has been preventing me from obtaining work, which means the government is not get taxes from me. I am tired of fighting with Equifax and XXXX enough is a enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FMA Alliance, Ltd.
State: NJ

Complaint narrative:
Hello, My reason for this compliant is to report a scam by FMA Alliance, LTD who claims to be a debt collector for XXXX. 

Some back history -- In XXXX I had lost my job and fell behind on some payments with XXXX. At the end of XXXX, I was able to repay my late payments in full and my account with XXXX is up to date, and in good standing. 

Today XXXX/XXXX/XXXX I received a letter from FMA Alliance LTD located at XXXX XXXX XXXX, XXXX TX XXXX, XXXX, stating I owed XXXX a balance of {$88.00}. Surprised to see this letter, I called FMA to get more information about the debt. I called and spoke to a customer service rep who had very detailed information about what I had purchased ( but had a hard time reading basic English off a screen -- side note ), and was given very specific information about what I items I had purchased ( all of which was correct ). 

Feeling even more concerned, I decided to, call XXXX directly to confirm if I had any outstanding balance. I spoke to a customer service rep by the name of XXXX, who informed me of the following : 1. My account was in good standing. 
2. They do n't use this company as a debt collector -- they use XXXX. 
3. I should report this as a scam immediately. 
4. Check my credit report. 

Therefore, I did not pay this bill, but in turn am filing a complaint against FMA Alliance LTD so others do n't fall victim to this horrible company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I need your help in order to get in touch with my bank and try to solve my problem. I would like my Chase Freedom XXXX to please investigate all charges made by a company called XXXX XXXX. This company failed to provide the services that I paid them for. I paid them {$700.00} on XXXX/XXXX/XXXX and also on XXXX/XXXX/XXXX {$5000.00}. I already tried to dispute with my credit card companies but I do not appreciate the way they treated me and disregard my wishes stating that was past 60 days. I never got my services rendered and it is very hard to do anything in the first 60 days when the company you paid for the services is stringing you along. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX I received an email that a new negative account had been added to my credit report. I logged in to check the account and found that an account from XX/XX/XXXX had been added from XXXX XXXX XXXX XXXX. I paid the bill directly to the XXXX XXXX on XX/XX/XXXX, so I attempted to call the collection agency to clear this up. I was transferred to a woman named XXXX, who proceeded to tell me that the account was mine and that I must have " received multiple bills '' -- yes, I did and I paid all of them. She then proceeded to tell me that she has a " very old account from XX/XX/XXXX '' and that they were contacting a lawyer about the account. XXXX never even verified my identity on this call. She also stated several times that my credit would be damaged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 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: MA

Complaint narrative:
I called the credit bureaus and the creditor when i founded out about this fraudulent account ( XXXX XXXX XXXX i was advised to get a police report to remove the fraud i did and disputed the information on my report. The account reminded and credit bureaus told me thats the way it is, but no thats not the way it is. I have attached my police report for proof of the fraud.

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 2017-10-11 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: NY

Complaint narrative:
I Applied for a Credit Card with XXXX XXXX XXXX. I was approved for XXXX. I Called up and asked them why my credit line was so low. The rep told me that she would see if I was eligible for a higher limit. she told me I was not. I then declined the credit card. On my credit report, it says that i Opened and closed an account. I disputed with XXXX and Equifax as well as XXXX XXXX and was told that I closed the account. 

At no time did the XXXX XXXX rep inform me of my rights or tell me that asking for higher credit line would Trigger me opening the account as well as pulling my credit again. XXXX sent me a letter telling me that they could not delete the account which I believe is false. I never received a card and never made a single charge. I have also filed a complaint with the NYS Attorney General. My credit has gone down over 50 points because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northwood Asset Management Group
State: MI

Complaint narrative:
Repeatedly receiving robo calls from company I 've never done business with for debts I most definitely do not owe.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
SANTANDER CONSUMER USA is attempting to collect a debt that I have previously tried to settle upon proof of claim.On XX/XX/XXXX,XX/XX/XXXX, & XX/XX/XXXX, SANTANDER CONSUMER USA received a Debt Settlement Offer each time giving 10 days to provide documents that prove I owe a debt.On XX/XX/XXXX,XX/XX/XXXX, & XX/XX/XXXX SANTANDER CONSUMER USA received a Request For Admission & Affadavit Of Fact each time giving 10 days to rebut and respond. On XX/XX/XXXX SANTANDER CONSUMER USA received a Notice of Default and Estoppel followed by an Affadavit of Default and Estoppel received XX/XX/XXXX. SANTANDER CONSUMER USA has yet to respond to the forementioned to provide proof of claim and has defaulted but continues to pursue collection activities via Credit reporting agencies, phone calls, and sending a payment request to my home address and not to my XXXX XXXX as requested and I marked " return to sender '' due to no proof of claim. It was received by SANTANDER on XX/XX/XXXX. SANTANDER CONSUMER USA continues to harass me and is causing my family and myself stress as I am unable to purchase a home due to this alleged account on my credit report. I have never spoken with anyone at this company nor have I entered into any contract ( s ) with this company and they refused to provide any wet ink signature, original document ( s ), two party contract, rebuttal of affidavit, or any of the items requested which will be attached documents included in this complaint as well as proof my mail was received by SANTANDER CONSUMER USA. I have given SANTANDER CONSUMER USA six ( 6 ) opportunities to provide proof of claim and after 9 mailings have dishonored and defaulted in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I received a text message from XXXX with the following text : Alert- ( my phone number ) from WellsFargo-Bank : Your Debit-Card is temporary Locked. Please call us now at XXXX. Thank you for your time Obviously, this is a scam. I did n't try calling them, but hopefully you guys can help in shutting them down. I 'm not sure whom else I should contact if this happens again. 

Thank you, 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 2017-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Portfolio Recovery Associates, claiming that we owe the amount of {$910.00} from XXXX XXXX. This account seems to have been sold many times to different debt collector companies even when I provided documentation showing proof of payment to each company. Then I would get another letter from another company. 
We have been emailing them documentation showing that the account was paid to XXXX XXXX XXXX on XXXX XXXX, XXXX in the amount of XXXX. My bank statement shows payment to XXXX XXXX XXXX, web payment on XXXX XXXX. 
I had to take a personal loan out to my grandfather to pay my debit due to a forced medical retirement from my position as a XXXX XXXX. I know we paid this!! 

We have mailed them though out the years providing proof of payment. They will not stop! on XXXX XXXX XXXX I sent XXXX emails, certified letter on XXXX XXXX, regular mail, faxed on XXXX XXXX personally contacted them on the same day. They still send letters stating that they have n't received our information. They call all day long and will not stop. This has been on my credit report and has affected my life tremendously. 

I have included documentation of the, letter, certified mail receipt, email date and time, letter from portfolio, proof of payment, fax proof and letter stating that they have not received out documentation. Please Help, I do n't know how much more I can do. This has been going on for years!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: IN

Complaint narrative:
DITECH FAILED TO PRODUCE A H.A.R.P. REFINANCE LOAN, THIS WAAS A DIRECT RESULT OF THEM NOT BEING ABLE TO PULL XXXX CREDIT REPORTS AND SCORES. SEE XXXX REPORTS FOR BOTH AS MARRIED COUPLES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 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: TOYOTA MOTOR CREDIT CORPORATION
State: CO

Complaint narrative:
I have an auto loan with a company that i have never been late on and they are showing a 30 day late pay on my credit report. I paid the amount that was due over the phone and they assured me that it was on time and not late and would not report as a 30 day late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 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: MA

Complaint narrative:
I called the credit bureaus and the creditor when i founded out about this fraudulent account ( XXXX XXXX XXXX i was advised to get a police report to remove the fraud i did and disputed the information on my report. The account reminded and credit bureaus told me thats the way it is, but no thats not the way it is. I have attached my police report for proof of the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 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: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
During the entire year of XXXX and XXXX I have made attempts to get this information removed from my credit reports. I 've sent letters to the credit bureaus as well as Portfolio Recovery to delete the inaccurate information from my credit reports. Portfolio Recovery has sent a letter back informing me that the debt is mine, they include copies of bills that were sent that have my name on them, however, this does not prove anything, this proves that that can take a bill and put my name on it and say it 's mine. They need to provide me with the actual contract agreement that I signed, I 've asked several times for this, however, they have not provided this to me. I 've also asked that the credit bureaus do the same and they just keep telling me that they have verified the debt with Portfolio Recovery, however, not providing me with information on how they are verifying the debt, such as the original contract. This is credit entry is ruining my credit and not allowing me to receive jobs because this is on my credit report. I hope that this can be resolved by Portfolio Recovery deleting this account from all of my credit bureau reports, which include XXXX and XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
THIS ACCOUNT WAS INCLUDED IN A BANKRUPTCY CHAPTER XXXX CONVERTED TO A CHAPTER XXXX CASE FILING XXXX. THE ACCOUNT WAS A JOINT ACCOUNT UNDER XXXX XXXX & XXXX XXXX. THIS ACCOUNT SHOULD BE IMMEDIATELY REMOVED FROM MY CREDIT FILE AS WE HAVE BEEN PROTECTED UNDER THE FEDERAL BANKRUPTCY LAWS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: LA

Complaint narrative:
I have disputed this collection letting them know that I did n't authorize this account. They 're continuously telling me that the account is verified, which it ca n't be because I 've never signed a contract with them. I had never applied for anything with this company until about a month ago and got denied saying that I 've already had an account with them which I never have. Im in the process of trying to purchase a home and do n't need anything negative on my credit report preventing that from happening, especially if it 's something negative that I did n't authorize or have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: MS

Complaint narrative:
XXXX XXXX collections reported an account with the amount of {$490.00} on XXXX XXXX and XXXX XXXX of XXXX. I have never received any mail or proof of Validation nor Verification from the company before they reported this. I am requesting that they send ALL DOCUMENTATIONS THAT SHOW I HAVE A CONTRACT WITH THEIR COMPANY ( I need to see my Actual signature on these documents ) Also send me proof that they have spoken with me before reporting this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 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: TX

Complaint narrative:
I need your help in order to get in touch with my bank and try to solve my problem. I would like my Wells Fargo Business Card to please investigate all charges made by a company called XXXX XXXX. This company failed to provide the services that I paid them for. I paid them {$1000.00} on XXXX/XXXX/XXXX and also on XXXX/XXXX/XXXX {$5000.00}. I already tried to dispute with my credit card company but I do not appreciate the way they treated me and disregard my wishes stating that was past 60 days. I never got my services rendered and it is very hard to do anything in the first 60 days when the company you paid for the services is stringing you along. 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 2017-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: CORELOGIC INC
State: NH

Complaint narrative:
I put an application in to XXXX of XXXX just to be able to put a deposit onto a car before running the credit. I was guaranteed I would n't have my credit run until I approved on my trade in amount. I never finalized my trade in amount because when I went to put a {$1000.00} dollar deposit onto the car, it had been sold prior. This happened on XXXX XXXX with 4 different locations. My credit should NOT have been run until I agreed upon my trade in value and price of the car, which also was not finalized or discussed.

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 2017-10-11 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: EdFinancial Services
State: CO

Complaint narrative:
I have student loans through a company that i make payments on monthly. However they have put late pays on my report and even put a 90 day late on when i still make payments monthly. I call them to pay them and complain about the late pays and they are very rude and unsympathetic even when it is their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Former complaint number ( prematurely closed ) was : XXXX I requested credit reports online from all three major bureaus, XXXX, XXXX, and Trans Union. XXXX and XXXX  responded properly. 

Trans Union refused, saying it could not provide my report and I must request it via USPS, which I did. 

It then responded that it could not verify my address and asked for two pieces of proof, which I provided. 

It then responded that my report is " blocked, and that is suppressed. 

I requested your assistance. TU then demanded proof of my SSN and I provided copies of THREE documents showing it, including the actual SS card and one from TU itself some years earlier. 

As of this date, more than six weeks later, TransUnion continues its refusal to provide this report and has, in fact, not responded to my submission of SS number proof. 

I believe this to be a clear and blatant violation of the Fair Credit Reporting Act and am requesting your assistance in compelling compliance with the Act. 

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 2017-10-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Loan Application for a HELOC was started approximately XXXX weeks ago. After numerous delays we cancelled the application on XXXX XXXX XXXX. 

We then applied for a refinancing with XXXX XXXX due to a better interest rate and faster service. After less then a week we were approved by XXXX. XXXX just needed " proof '' that we have terminated our loan application with Wells Fargo. 

Wells Fargo originally stated that they can NOT terminate the application for XXXX weeks. Then, when we told them about XXXX needing a " termination '' letter Wells Fargo said we could NOT get a letter for at least a month. 

We are now jeopardy of loosing our {$10000.00} we put down as earnest money on a property we are buying. 

Wells Fargo is behaving like a mad child and we do n't think it is right. 

The XXXX loan officers involved are XXXX XXXX, NMLSR ID XXXX, Phone number XXXX XXXX XXXX, XXXX ID XXXX, Phone number XXXX ext XXXX Wells Fargo Application number : 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