vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The County Recorder of Bankruptcy courts have mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of U.S. Bankruptcy Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the County Recorder U.S. Bankruptcy Courts confirmed Equifax Credit Bureau has never validated or verified these public records entries on my credit report, neither will they ever be by them, They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are report by third party sources  unawares to the consumer, and in most cases, incorrectly. Considering the information currently showing under my social security number to be PERMANEMTLY DELETED from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Data Search NY, Inc.
State: TX

Complaint narrative:
On or about XX/XX/2019, I received a citation about a lawsuit being filed against me on behalf of XXXX.The suit was brought by XXXX XXXX  XXXX on behalf of XXXX XXXX  as plaintiff. SXXXX XXXX XXXX is a law firm acting as a debt collector. 
I called XXXX XXXX and they said they had referred the account to a third party debt collector, TrakAmerica and that I had to call them about the account. I had many discussions with TrakAmerica ( I had never received anything in the mail from them ).  They claim they are not a debt collector, but that they refer accounts for their clients to debt collectors. They said that XXXX XXXX still owns the account. They said I would have to contact XXXX XXXX XXXX about the account. 

On or about XX/XX/2019, I mailed a certified letter ( tracking XXXX XXXX XXXX XXXX XXXX ) to TrakAmerica, requesting validation that they had the authority to collect this debt ). I received no response from TrakAmerica. 

On XX/XX/2019, at @ XXXX XXXX, I spoke to XXXX XXXX who stated she was a manager at TrakAmerica. I thought when she answered the phone that she said her name was XXXX XXXX. I was transferred to her by XXXX who answered the phone after a 45 minute wait time. I found out from XXXX that TrakAmerica does not send out collection letters or collect debts. That they just refer accounts to debt collectors, in this case XXXX XXXX XXXX. I was not aware that it was legal for a third party, who does not own the account, to refer an account for legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation
State: TX

Complaint narrative:
XX/XX/2019 Dispute to verify debt with credit bureau XX/XX/2019 Another dispute sent due to no response XX/XX/2019 3rd dispute to investigate the verification process XX/XX/2019 Responded to letter as they have not sent proof to verify the debt XX/XX/2019 Sent letter directly to Creditor and letter was returned to sender as the address they are reporting is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
When trying to retrieve my free credit report from XXXX, I am unable to collected it from Experian. I receive this message for both myself and my spouse. 

A condition exists that prevents Experian from being able to accept your request at this time. 

I have no issues with XXXX  or XXXX  as far as I can tell. I have not been able to collect my Experian request online in several years now. I also do not appear to be the only one and see several issues about it online.

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 2019-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The County Recorder of Bankruptcy courts have mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of U.S. Bankruptcy Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

My inquiry to the County Recorder U.S. Bankruptcy Courts confirmed Experian Credit Bureau has never validated or verified these public records entries on my credit report, neither will they ever be by them, They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are report by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information currently showing under my social security number to be PERMANEMTLY DELETED from my credit report 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 2019-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
XXXXjust recieved a letter from sls that they approved a new modification and we will be getting it soon with the new terms thank you for helping us

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 2019-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
The County Recorder of Bankruptcy courts have mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of U.S. Bankruptcy Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

My inquiry to the County Recorder U.S. Bankruptcy Courts confirmed LEXISNEXIS RISK SOLUTIONS, INC has never validated or verified these public records entries on my credit report, neither will they ever be by them, They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are report by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information currently showing under my social security number to be PERMANEMTLY DELETED from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
XX/XX/2019 Dispute to verify debt with credit bureau XX/XX/2019 Another dispute sent due to no response XX/XX/2019 3rd dispute to investigate the verification process XX/XX/2019 Responded to letter as they have not sent proof to verify the debt XX/XX/2019 Sent letter directly to Creditor and letter was returned to sender as the address they are reporting is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 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:
Complaint against Wells Fargo Master Card Customer Resolution Department. 
On XX/XX/XXXX, I requested XXXX XXXX to change the reservation and provided different options on the dates change. The company wavier the change fee but I had to pay the difference on the travel date change. I was quoted 3 dates one {$15.00} on the XXXX XXXX {$83.00} XXXX and another was for {$140.00} on XXXX. I initially chose XXXX XXXX for {$83.00} and provided my credit card, he looked again and found another date on the XXXX for {$140.00}. I accepted the XXXX for {$140.00}. 

When I use my credit card on XX/XX/XXXX, I received a decline on my card. I contacted the credit card company on the XXXX, they explained there were charges of {$83.00}, {$140.00}, and pending charge of {$220.00} from the Airline company. I explain the {$220.00} appeared to be a duplication of the {$83.00} and {$140.00}. I told them the {$140.00} I don't dispute so they would remove the {$83.00} charge and contact the Airline about the {$220.00} charge to close out the process within 24hrs. On XX/XX/XXXX, my card was declined again. Call the credit card department and they transferred me to the resolution department. I talked to a representative named ( XXXX ) and asked her to assist in resolving this pending charge of {$220.00} which she agree appeared to be a mistake. She stated she could not call the merchant but I could call myself if they don't take it off I had to wait 15 days before action could be taken and I might be charged an overcharge. Because of the lack of assistance I received I requested her supervisor ( XXXX ), he was professional and called the merchant and after 15 minutes came back and said they never answered his call. They told me there was nothing they could do until the Airline company release the pending charge although the pending charge was 5 days holding on my account.

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 2019-12-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FORD MOTOR CREDIT CO.
State: PA

Complaint narrative:
Debt was settled on XX/XX/19. 
Ford Motor Credit agreed to accept less than full balance to consider paid in full. 
Amount was paid the same day after receiving written notification of the agreement. Credit report balances indicate the remaining balance is still outstanding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: WI

Complaint narrative:
My paychecks started being garnished for this PHEAA school loan on XX/XX/XXXX the amount owed was at that time was XXXX ( see uploaded documents. ) My employer closed its doors in XXXX I notified AES and XXXX XXXX, XXXX of the job loss.. I started my next job at XXXX XXXX in XX/XX/XXXX I contacted the AES company that was handling my loan and they informed me that i have not payed any PAYMENTS on the account even tho I FORWARD them the EMPLOYER ACKNOWLEDGEMENT OF WAGE WITHHOLDING form that I and my boss signed they said I had no payment on file and my loan was sent back to the PHEAA. On XX/XX/XXXX I received a NOTICE PRIOR TO WAGE WITHHOLDING from XXXX XXXX XXXX for the amount of XXXX. I contacted them right away and spoke to a customer service representative named XXXX we agreed to a repayment agreement threw the rehabilitation program my REF # XXXX. I paid the required monthly payments and was awarded COMPLETION OF LOAN REHABILITATION PROGRAM from the PHEAA ON XX/XX/XXXX I contacted the PHEAA to ask about payment and where to send them the PHEAA told me I would be contacted by XXXX and that's who my loan was sold to I then asked about the PHEAA taking that loan off my credit report but it never did they just closed the account. So months went by and on XX/XX/XXXX..i received a monthly statement from XXXX. But in XXXX OF XXXX I WAS INVOLUNTARILY FIRED FROM MY JOB AT XXXX XXXX AND I FEEL ON TRAGIC TIMES I JUST STARTED WORKING AGAING FULL TIME IN XXXX OF THIS YEAR SO I HAVENT EVEN BEEN WORKING A FULL YEAR YET AND I WANA NO WHER DID THE FIRT GARNISHED PAYMENTS GO I HAVE DID MORE THAN COOPERATION TO GET THIS TAKIN CARE OF BUT IT SEEMES LIKE EVERY TIME I TRY TO GET A GOOD START ON PAYMENTS IT GOES BACK TO PHEAA AND BACK TO DEFAULT I DID MY PART OF THE PROGRAM THEY DID NOT DO THEY PART AT ALL SPECIFIED IN THE AGREEMENT I THINK I SHOULD BE ABLE TO START THE PAYMENT AT WHAT XXXX HAD IT AT AND PHEAA should clear my credit REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On the week of XX/XX/XXXX I made a deposit consisting of money orders that were made to the order of myself. They were totaling XXXX dollars. The bank automatically assumed that it was fraudulent and freezes my account. They have not told me what is going on and consistently lie to me about the status of my checking account. They automatically made the assumption that I was cashing money orders fraudlently. They automatically thought I the person who the money was for was a scam because I talk to him online. The bank has froze my account due to the fact that I deposited these money orders in my account. They have not told me what is going on reguarding the status of the account and XXXX only told me that I would be implicated because of the money orders being deposited in my account. They have violated my rights to privacy and had automatic assumption that I was using the account for fraudulent purposes they told me they contacted the sender but will not state what she said. They show no interest in The identity of the person who I was going to send the money for nor do they have an interest in identifying him even though he was the person who instructed the sender to send me the money orders and gave the sender my information. The banks only interest is to implicate myself as a fraudulent person and not the actual receiver of the funds that I deposited in my account. The bank is not being transparent or honest about what is going on with my account. It seems the bank had closed my account even though customer support representatives state that their is only a hold the account. They have contacted the sender who is giving multiple reason for why the funds were sent to me. I had a person on my behalf contact the bank to clarify what the funds were for as I told the person that I talk too online to tell them what the funds were for as the funds were for him. The bank not interested about who the funds were for but seem to be seeking to close my account and implicate myself as a criminal for the fact that I was sent money orders that were ordered to be paid to myself with out the bank actually being honest about what the bank investigated and found out and was told about the funds in my account. They treated myself without any dignity have no reguard for my rights as a person as they do automatically assume that there is something wrong they also dont follow the law as I have had other problems with the banks practices reguarding my business with them. They should never automatically assume that Im depositing money orders for fraudulent purposes which I am not. The bank subjected myself to an unreasonable search and seized my money without being honest about what is going on reguarding my account.

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 2019-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Credit Karma, LLC
State: CA

Complaint narrative:
I sent an email Credit Karma support asking to remove vehicle information listed on the Credit Karma website on XX/XX/2019. I communicated with support over a series of weeks. They said they could not remove the information and you had no choice but to have a vehicle listed. I did not like this, so I asked to have my entire Credit Karma account closed. They said I needed to send in two forms of ID, because I had a savings account open with them. 

I have never been asked for this information while closing a savings account. I did not feel comfortable sending in the information they are demanding. I just want to cancel mt Credit Karma account. Below is the information they want. 

" In order for me to close your account, I need : Last 4 of SSN Verified phone number I also need two different forms of identification are required - either two primary or one primary and one secondary document. I can only accept documents that are current and valid, not expired. 

Primary documents include : Drivers License or State ID Passport Permanent Resident Card ( Green Card ) Military ID ( requires front and back ) Secondary documents include : Another document from the primary list Birth Certificate Social Security Card ( can't be laminated ) Full Utility Bill such as gas, water, electric or internet. Your service at address must match whats on file with XXXX  or  XXXX. We can not accept credit card or banking statements or a cell phone bill. 
Once I hear back, I would be glad to continue assisting you. Thank you, and I look forward to your reply. 

Regards, Credit Karma Member Support ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
This account payment history is wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This account payment history is wrong

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 2019-12-07 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: GA

Complaint narrative:
This account payment history is wrong

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 2019-12-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I paid off my mortgage in XX/XX/2010 through Chase. It was paid in full. I am a victim of identity theft and fraud and because it was so bad I have address confidentiality through the attorney general. All my mail goes to them in XXXX. The reason I'm contacting you is that someone has removed all my positive credit from my credit report including the pay-off of my mortgage through Chase. I have spent countless hours calling companies due to charges that I didn't make. It has affected me tremendously. I can't get a loan of any kind.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: New Century Financial Services, Inc.
State: NJ

Complaint narrative:
Good Morning : I would first like to point out that this correspondence is also being deliveredto to XXXX XXXX XXXX and I also lodged a formal inquiry with the XXXX XXXX XXXX and the Consumer Financial Protection Bureau all of which be can researched. 
I understand that debt collectors buy and sell 'alleged ' debts frequentlyHowever, in the state of New Jersey `` The statute of limitations runs out inXXXX XXXXafter six years for mostdebts. 
Even after that period, a creditor has the right totry to collectadebt '' I understand that you have a job to do Officer XXXX XXXX XXXX XXXX XXXX NJ OfficeOfXXXX ( but what I would like to say is this : My wages being garnished are not the issue, the issue is attempting to strong arm my employer that has nothing to do with this, The re-selling of old debts is very antiquated. 
Also viewing your documents with the plethora of stamps which seem to me as a " non- legalize individual '' are just notaries of which anyone can obtain. 
Since your firm was able to find me do a little further research and view the amount the times I've attempted to dispute this but to no avail. 
In closing ; I'm imploring that you release me from this garnishment 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 explanation
Consumer complaint received 2019-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Ive mailed out a few disputes and the company failed to properly investigate my issues. There are many accounts reporting incomplete, inaccurate, or is in violation.

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