vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX ,  XXXX  SS #  XXXX  DOB  XX/XX/XXXX  ADDRESS   XXXX   XXXX   XXXX   XXXX   XXXX  , FL  XXXX   XX/XX/XXXX  To Whom it  May  Concern :  XXXX   XXXX .  XXXX   XXXX   XXXX , TX  XXXX   Equifax    XXXX   XXXX   XXXX   XXXX   XXXX , GA  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   PA  XXXX  I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.   The following inquiries are related to none of the aforementioned permissible purposes.       XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   Auto Financing    XXXX   XXXX       XXXX   XXXX   XXXX       XXXX   XXXX    Auto Financing   XXXX   XXXX   XXXX       XXXX   XXXX   XXXX        XXXX   XXXX    Auto Financing  XXXX     XXXX   XXXX   XXXX       XXXX   XXXX      National Credit Card Cos.       XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX     National Credit Card Cos.       XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX       National Credit Card Cos.        XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX    Television & Radio    XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   T elevision & Radio   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   Miscellaneous  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   Miscellaneous Reptg. Agencies  XXXX   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   Miscellaneous Reptg. Agencies   XXXX   XXXX      XXXX   XXXX   XXXX      XXXX   XXXX    Miscellaneous Reptg. Age ncies    XXXX   XXXX      XXXX   XXXX   XXXX        XXXX   XXXX      National Credit Card Cos.        XXXX   XXXX      XXXX   XXXX   XXXX      XXXX   XXXX     National  Credit Card Cos.      XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   Auto Financing   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   Miscellaneous  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX    XXXX   XXXX , Tire Dealers   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   Auto Financing   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   All Banks  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   Personal Loans Cos.    XXXX   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   All Banks   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX    XXXX   XXXX  Auto Financing Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely,  XXXX ,  XXXX  SS #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS   XXXX   XXXX   XXXX   XXXX   XXXX   FL  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Today I purchased  my credit score and report from  XXXX  via online and also included in the purchase was the same information from   XXXX    and Experian. There was a major discrepancy in the scores at which point I contacted   XXXX    customer service and was informed that the credit score I purchased was not the same program model use bye their customer service representatives when you call them directly! This lead me to realization that the score I am paying for is not the score  XXXX  reports to credit lenders when they   inquire about my credit history so why is it being sold to me and allowing me to believe this is what my credit worthiness is being judged bye! I also recently refinanced my mortgage in  XXXX  and I received a letter from my previous mortgage company that my  credit score th rough   XXXX   was some  XXXX  points lower than what was shown to me at that time which lead me to not be able to get a better rate moving forward in my refinance!

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 2017-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
As I gathered information to give to the STATE 'S ATTORNEY GENERAL. I did a search for  WAKEFIELD & ASSOCIATES  license. I have found they are in direct violation of TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT  62-20-101  . WAKEFIELD & ASSOCIATES does not have a license in the state of TENNESSEE. They can not collect on a debt. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-105 states no person shall commence, conduct or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior stat law. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-108 ( a ) ( 1 ) Every collection service shall have, for each location at which it conducts business a location manager who has submitted an application on a form prescribed by the board. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-123 states a willful violation of this chapter, or any rule lawfully promulgated thereunder, is a Class C misdemeanor. WAKEFIELD & ASSOCIATES is in direct violation. This will be the last communication I send before sending my evidence to the STATE 'S ATTORNEY GENERAL OFFICE.

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 2017-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: MN

Complaint narrative:
Re : Acct #  XXXX  To Whom  It May Conc ern : This letter is regarding account #  XXXX  which you claim my account was charged off {$500.00} This is a formal notice that your claim is disputed.     I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have  ( or ever had ) so me contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including   XXXX   XXXX   XXXX   XXXX    ) fr om your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.     Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.   Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Sectio  n 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself.
For the purposes of 15 USC 1692 et   seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.     Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.       P.S. Please be aware that dependent upon your response,  I may  be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.    Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collectio n :  Other ( i.e.  phone, health club, etc. ) - [ ] Which of these best describes your issue? False statements or representation : Attempted to collect wrong amount  DESIRED RESOLUTION

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX ,  XXXX  SS #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS    XXXX   XXXX   XXXX   XXXX  ,    XXXX , FL  XXXX   XXXX / XXXX / XXXX  To Whom it  May Co ncern : Experian  XXXX .  XXXX   XXXX   XXXX , TX  XXXX     XXXX     XXXX   XXXX   XXXX     XXXX , GA  XXXX    XXXX   XXXX       XXXX   XXXX   XXXX      XXXX , PA  XXXX  I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.   The following inquiries are related to none of the aforementioned permissible purposes.       XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Auto Financing   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Auto Financing  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Auto Financing  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX       XXXX   XXXX   XXXX  ,   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX       XXXX   XXXX   XXXX  ,   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  .    XXXX   XXXX ,   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,   XXXX   XXXX     XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Miscellaneous  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Miscellaneous Reptg. Agencies  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX . Agencies   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX . Agencies   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX       XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX       XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Auto Financing  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Miscellaneous   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX , Tire Dealers   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Auto Financing   XXXX   XXXX   XXXX     XXXX   XXXX ,  XXXX   XXXX   XXXX  All Banks   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  All Banks   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Auto Financing Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely,  XXXX ,  XXXX  SS #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS    XXXX   XXXX   XXXX   XXXX  ,   XXXX , FL  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 2017-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX To Whom it May Concern : Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following inquiries are related to none of the aforementioned permissible purposes. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Miscellaneous XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Miscellaneous XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Banks XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX XXXX SS # XXXX DOB XX/XX/XXXX ADDRESSS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
My mortgage was bought by M & T Bank a few years ago. I had problems making payments for past few months. I reached out to M & T Bank. The options which they gave me only would cost me more money. In   XXXX   I applied for refinancing with another company. Every thing went well. On   XXXX   XXXX  , M & T Bank advised new lender that payoff for mortgage was {$70000.00}. This payment was for money due M & T Bank from   XXXX   through   XXXX  .
On  X/XX/17  a payment of {$1200.00} was cashed by M & T Bank. This payment was my late payment for month of   XXXX   XXXX  . M & T Bank received two payments for the month of   XXXX   XXXX   Both new lender and M & T told me that Payment of {$70000.00} was received by M & T  Bank on   XXXX   XXXX  
On   XXXX   I was informed by   XXXX   XXXX    of M & T Bank that M & T Bank had received payment of {$70000.00}. I asked about the payment of {$1200.00}. She said that money had been sent to us.
I was not satisfied with previous information and I called again M & T Bank. The last call l made I spoke to  XXXX . I asked him how to make a complaint. He took internal M & T Bank complaint. I called earlier this week and again   was given the runaround.

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 2017-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
I am writing a complaint on the phone number  XXXX 
" Wells Fargo Debt Collections '' They are calling for a   XXXX   XXXX   using the phone number  XXXX 
I started receiving phone calls from the company in   XXXX   XXXX    at    XXXX   XXXX   leaving me a message for a   XXXX   XXXX  . I called the number back and told them the phone number no longer belongs to whomever and to please stop calling me.
I received a second phone call   XXXX    XXXX    with another voicemail for   XXXX   XXXX   . I again called them and asked them to stop calling me.
I received a third call   XXXX     XXXX   with another voicemail fo  XXXX   XXXX   XXXX   . This time with a direct callback number of "  XXXX . I called the number and stated I am tired of them calling my phone for   XXXX   XXXX  . This is harassment and against the FDCPA Laws. They stated they took my number out of there system and I should not be receiving anymore phone calls.
I received a fourth call   XXXX    XXXX  from a  XXXX  direct call back number of  XXXX  for a   XXXX   XXXX   .
I received a fifth call  X/X/2017   XXXX  from a   XXXX    Call back number    XXXX   for a   XXXX   XXXX   .
I call the   XXXX    number on break here at work at    XXXX   XXXX   and notify a  XXXX  that I am not   XXXX   XXXX   and I am tired of these phone calls.
This Wells Fargo account does not belong to me. I do not know a   XXXX   XXXX   I received this phone number when joining   XXXX   XXXX   XXXX   phone plan with my husband. I am sick of this harassment and would like something done about this.
  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 monetary relief
Consumer complaint received 2017-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revenue Recovery Corporation
State: TN

Complaint narrative:
As I gathered information to give to the STATE 'S ATTORNEY GENERAL. I did a search for REVENUE RECOVERY CORPORATION license. I have found they are in direct violation of TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-101. REVENUE RECOVERY CORPORATION does not have a VALID license in the state of TENNESSEE. Their license expired in XX/XX/XXXX, 2016. They can not collect on a debt. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-105 states no person shall commence, conduct or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior stat law. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-108 ( a ) ( 1 ) Every collection service shall have, for each location at which it conducts business a location manager who has submitted an application on a form prescribed by the board. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-123 states a willful violation of this chapter, or any rule lawfully promulgated thereunder, is a Class C misdemeanor. REVENUE RECOVERY CORPORATION is in direct violation. This will be the last communication I send before sending my evidence to the STATE 'S ATTORNEY GENERAL OFFICE.

Company response to consumer: Untimely response
Consumer complaint received 2017-05-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK
State: FL

Complaint narrative:
TCF BANK I have sent extra payments in  XXXX  totaling {$1600.00} but is not reflecting on the mortgage statement.      XXXX / XXXX /  XXXX   {$550.00}  XXXX / XXXX /  XXXX   {$550.00}  XXXX / XXXX /  XXXX   {$550.00} Why is the new statement {$620.00}? Where were the extra funds applied?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Prosper Marketplace, Inc.
State: NY

Complaint narrative:
Please note this complaint is about being an investor in Prosper, a peer to peer lender ( similar to  XXXX   XXXX   ), but there  was not an option to select for this.     Between  XXXX  I investe d ~ {$1300 0.00} in various notes and Annualized Returns for the period averaged around 10 % for this period. I recently received an email saying  Prosper  had incorrectly calculated the Annualized Returns, so they now appear to be about one half of what they initially stated, including a negative return in   XXXX  .      Had I known actual returns were less than one half of what was stated, I would have not continued to invest in loans. From speaking with a manager, it sounds that this was unintentional error, but nonetheless my investment decisions wer e based on their information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
on   XXXX   XXXX   XXXX   SW credit system deleted the account i had disputed and on    XXXX   XXXX   XXXX   the same account was reinsert ed on my credit report without me being notified by mail and that is against the FCRA  611 ( a ) ( 5 ) ( b )

Company response to consumer: Closed with explanation