vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My old pay off Student loans All pay off XXXX XXXX loans And XXXX Equifax XXXX Three reporting companies Will not remove from my report all Account that are old and pay off And written off account are all pay

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
A person called me from phone # XXXX XXXX XXXX, and previously left a message saying the call was from XXXX Court. XXXX XXXX, said she was the assistant to Attorney XXXX at XXXX, NM court. She was calling about a judgment against me. She putt me on hold to talk to Mr XXXX several times and told me the {$25000.00} judgment against me could be settled by paying 4 payments for XXXX, or 1 payment of XXXX I informed her i am on XXXX since my XXXX XXXX and i make {$190.00} per month and do not have assets equaling XXXX nor do i even make that in 1 year, much less XXXX per year. She said if i do not make a payment today, they will enforce the judgment against me for XXXX She had stated thecredit card was Wells Fargo and they had brought charges against me inn XXXX county,  NM. I told her i would call her back. Then called the XXXX courthouse in New Mexico and spoke to my friend that works at a law office, she also called the XXXX courthouse, they said no one with the name XXXX XXXX, nor Judge XXXX works at or for their courthouse ore court system. I did NOT call XXXX XXXX back.

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 2018-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My old pay off Student loans All pay off XXXX XXXX loans And Transunion XXXX XXXX Three reporting companies Will not remove from my report all Account that are old and pay off And written off account are all pay

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 2018-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My old pay off Student loans All pay off XXXX XXXX loans And XXXX XXXX   Experience Three reporting companies Will not remove from my report all Account that are old and pay off And written off account are all pay

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 2018-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
Today, XX/XX/18, I received a pre-approval notice for an XXXX XXXX credit card from Citi. I visited the website listed with the information, I read through the terms, and filled out the required information. As I read the information included in the envelope as well as the information on the application website, I noticed that Citi mentioned that a soft credit inquiry had already been performed. I would receive a hard credit inquiry with the application approval. I submitted the application, and saw a message informing me that my application wasnt approved, despite my application being PRE-APPROVED! No reason for the denial was provided. I also received a hard credit inquiry on my XXXX file, despite Citi claiming that I would not.

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 2018-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI

Complaint narrative:
Received a call from XXXX which left a voicemail stating my accounts associated with my SSN # would be locked and to call XXXX. The debt they're saying I owe has been paid for 8 years they would not give me a mailing address for them and hung up on me, they said their company name is XXXX XXXX. It seems like I get a call about once a year for this debt that has been paid off for years

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I broke my lease with XXXX at XXXX to move to a better location. The account went into collections and was purchased by Fair Collections and Outsourcing ( FCO ). I paid off the debt directly with XXXX at XXXX, who no longer has any records of the debt. FCO continued to report negatively to the credit bureaus, however, and failed to validate the debt at my request. On XX/XX/2018 I sent FCO a certified letter disputing the account and included a copy of a letter I received from XXXXe at XXXX confirming that they have no records of the debt, but FCO is still reporting the account to XXXX and 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 2018-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been out of the United States for a long time and have come back to a disaster. My credit report shows a credit card with Capital One bank was opened in my name and thoroughly used when i was not even in the country. The bank swears it is my card but it is not the case. For one my name is XXXX XXXX not XXXX XXXX my checking account, driver license, and everything I have has XXXX XXXX while the fraudulent credit card has a different name. The addresses are also incorrect. I am not a US citizen and am a permanent resident. Please fix this problem as capital one is disinterested in assisting me as well as it is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Purchased home in XXXX. Wells Fargo Home Mortgage is the loan services. Experienced episodes of unemployment and health challenges XXXX-XXXX. Approved for loan modifications during this period. Currently in process of paying loan off after selling the property. No late payments since XXXX. However, after paying approx $ 1680/month, the principal has only reduced by $ XXXX in 3 years. Something is not calculating correctly.

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 2018-10-19 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Select Management Resources, LLC
State: AZ

Complaint narrative:
The company has been calling my phone daily for nearly two weeks now. NO PAYMENT IS DUE UNTIL XX/XX/XXXX. Today, they began calling my sister. 

They ( XXXX XXXX ) have no fax number OR email to send a cease and desist. 

I have significant health problems and they are making me much worse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-19 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: CA

Complaint narrative:
I sent this company my disputes on XX/XX/XXXX with full details on what accounts were erroneous and I needed to be removed. The account I disputed was linked to somebody whose last name is XXXX who lived in XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX, CA XXXX. 
In the dispute, I attached documents to proof that The name and address wasnt mine. I attached my Identity documents as proof of my address and Names which categorically differentiate from the person on the account that was supposed to be mine. 
But to my surprise, this company refused to delete this account even with the overwhelming evidence from my identity documents. For yet another time, this account is not mine and I need deleted immediately : XXXX XXXX # XXXX, Date Opened XX/XX/XXXX, Original Balance {$350000.00} Attached here with is the dispute letter I sent this company, my Proof of address where I have been living since then and my Driving License which states my names fully. Any name thats not on my Identity documents is not mine.

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 2018-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
This incident happened XX/XX/18. I had transferred money on my American Express Serve account. Lost my card and was unable to access my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RGS Financial, Inc.
State: VA

Complaint narrative:
RGS Financial is attempting to collect a debt for internet service that it didn't even attempt to validate. They claim the original creditor is XXXX XXXX. This is the second debt collector that has appeared on my creditor report via XXXX XXXX regarding such an item. I have NEVER used this service. I have been using a different Internet provider for the last 9 years. This is second debt collector REMOVED it after it was not able to validate it. NOW RGS without even attempting to write me have just placed this collection on my credit. Absolutely NOT MINES.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 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:
I sent this company my disputes on XX/XX/XXXX18 with full details on what accounts were erroneous and I needed to be removed. The account I disputed was linked to somebody whose last name is XXXX who lived in XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX XXXX, CA XXXX. 
In the dispute, I attached documents to proof that The name and address wasnt mine. I attached my Identity documents as proof of my address and Names which categorically differentiate from the person on the account that was supposed to be mine. 
But to my surprise, this company refused to delete this account even with the overwhelming evidence from my identity documents. For yet another time, this account is not mine and I need deleted immediately : XXXX XXXX # XXXX, Date Opened XX/XX/2005, Original Balance {$350000.00} Attached here with is the dispute letter I sent this company, my Proof of address where I have been living since then and my Driving License which states my names fully. Any name thats not on my Identity documents is not mine.

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 2018-10-19 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: Midwest Recovery Systems
State: NM

Complaint narrative:
I was notified by XXXX XXXX that this recently showed up on my XXXX and XXXX credit report. I viewed my credit report and it shows a collections item from Midwest Recovery Systems. The account was opened on XX/XX/2018 ( 3 months ) and the original creditor is XXXX XXXX. The amount is for {$350.00}. I never requested any payday loan on or around this date from this company. I haven't had any payday loans in over 5 to 7 years. I feel as though this is a result of identity theft and/or fraud. 

Creditor Information Provided by XXXX XXXX is : Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
I RECEIVED A NOTICE BY MAIL, ACCORDING TO THEM IS THE SECOND NOTICE, FOR ME IS THE FIRST ONE THAT I RECEIVED, ABOUT A MEDICAL BILL THAT WAS UNPAID FROM 2012, THIS IS THE FIRST TIME THAT I HAVE KNOWLEDGE OF THIS UNPAID BILL, NO PREVIOUS BILL WAS RECEIVED BEFORE, I ALWAYS HAVE TAKE GOOD CARE OF MY CREDIT AND PAY ALL MY BILL ON TIME, BUT, WHAT IS CURIOUS IS THAT I HAVE MEDICAL INSURANCE THAT COVER ME 100 %, AND IF I WOULD HAVE RECEIVED ANY BILL BEFORE, I WOULD HAVE CALLED TO LET THEY KNOW THAT I HAVE INSURANCE AND MY INSURANCE WILL COVER EVERYTHING. 
I WRIGHTED TO THE COMPANY WHO SENT THE LETTER, ASKING FOR MORE DETAILS ABOUT THE NOTICE, BUT THEY DIDN'T ANSWER ME YET. BUT THEY REPORT ME TO MY CREDIT WITHOUT ANY NOTICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I sent this company my disputes on XX/XX/XXXX with full details on what accounts were erroneous and I needed to be removed. The account I disputed was linked to somebody whose last name is XXXX who lived in XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, CA XXXX. 
In the dispute, I attached documents to proof that The name and address wasnt mine. I attached my Identity documents as proof of my address and Names which categorically differentiate from the person on the account that was supposed to be mine. 
But to my surprise, this company refused to delete this account even with the overwhelming evidence from my identity documents. For yet another time, this account is not mine and I need deleted immediately : WFHM ACC # XXXX, Date Opened XX/XX/XXXX, Original Balance {$350000.00} Attached here with is the dispute letter I sent this company, my Proof of address where I have been living since then and my Driving License which states my names fully. Any name thats not on my Identity documents is not mine.

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 2018-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP
State: MO

Complaint narrative:
On XX/XX/2018, US Bank issued me a letter titled " Notice of Right to Cure Default '' with terms as follows : pay total amount due of {$160.00} by XX/XX/2018 and " the cardmember agreement will be as though I was never late. '' On XX/XX/2018, as acceptance of this offer, I paid the requested balance of {$160.00}. I was informed to not make any payments on the account during the fraud investigation, which I did not request ( and they claim they have a written signed statement that I did ), and US Bank refused to provide me requested documentation of the fraud investigation ; they have still not fulfilled this request. Immediately following the fraud investigation, US Bank placed my account in default.

US Bank has failed to keep their end of the agreement regardless of my multiple calls and requests. They have not removed the previous late fees as stated in the agreement and in addition, have added two more additional late fees. 

Because the account was under fraud investigation for several months with my access blocked to the account, I was not allowed to make a payment for a few months. The agreement clearly stated that the account will be considered as having never been late. Therefore, based on their offer and my payment as acceptance of this offer, US Bank is under obligation to remove the previous late fees : XX/XX/XXXX {$26.00} ; XX/XX/XXXX {$37.00} ; XX/XX/XXXX {$33.00} ; and any and all associated interest on such balances. 

I also request that any and all reporting the credit reporting agencies be corrected as indicated in the letter and offer : the account was never late.

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 2018-10-19 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
On XX/XX/18, I reviewed my credit report, and noticed two inaccurate accounts. 
1. XXXX ; this account is too old to remain on my credit report. 
2. XXXX XXXX ; This account is too old to remain on my credit report. 
According to the fair credit reporting act, inactive accounts may not remain on a consumers credit report for more than seven years. Both of these accounts are older than seven years and should be deleted.

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 2018-10-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
I generally pay an additional amount each month with my mortgage payment to be applied towards the principal balance. Twice, I have experienced PennyMac applying the additional monies a day later. For example, PennyMac posted my XX/XX/XXXX payment on XX/XX/XXXX. However, they then posted the additional principal on XX/XX/XXXX. 

In speaking with several friends who also have loans with PennyMac, they suggest they have encountered these same unscrupulous behaviors. Indubitably, if PennyMac is intentionally doing this to borrowers, they should stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I'm a victim of identity theft I've sent the identity theft report and the police report to XXXX and to the rest of the credit bureaus. All the creditors have removed the fraudulent accounts but XXXX. I'am extremely upset and disported on how equifax disputes the fraudulent account. I don't understand how a fraudulent accounts are still reaming under my name is beyond my understanding Its been a while that I've been disputing these accounts and I'm extremely distressed I've contacted the creditors and I haven't gotten anywhere My identity was jeopardized. I lost my purse at an event and after that I've realized accounts were oping under my name. These are Not my accounts thyrese are froud. Please i need help remove these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I noticed my credit report reflected 3 entries that I do not recall having put into the 3 Credit Bureaus. This was done and put into the Credit Reporting Agencies by a Company that I have not had any interaction with. I have 3 amounts one for XXXX, one for XXXX, and one for XXXX this is a shame for someone to get a name and commit fraud putting this information in the Reporting agencies database without knowing the law. This is called Identity theft, CFR 603.2. I did not consent to anyone using my information nor did I consent to these fraudulent accounts which were opened without my knowledge, and if there is anything to be put into a Consumers file they should be able to sit down and see if there is indeed the Consumers correct information and if they are indebted to these crooks.

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 2018-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Portfolio Recovery Associates, LLC
State: ME

Complaint narrative:
I was promised with the first phone call if I paid this debt they would remove it from my report. The debt is paid and they will not remove it. I have disputed with the credit bureaus to no avail. 

They have also re-aged the debt to a newer first date of delinquency. First date is XXXX and they have XXXX with the credit bureaus. 

They are also reporting that they are the orignal creditor. 

All of these actions are in violation of the fair credit reporting act and consumer protection laws.

Company response to consumer: Closed with non-monetary relief