vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried to submit a dispute with the credit bureaus and I keep getting a file can not be located. I sent for a claim to be disputed on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time they have sent it back saying my file can not be located. This is unethical and against the law. There 's is only one person with my name, address, Date of Birthday, and social security number. Which I have proveide to them on every letter. They not wanting to do their job and they refused to do their job. They should be held accountable. I ask for the bureaus to remove the account that does n't belong on my credit file. After their investigation, send me a copy of what they just to verified the account if they deemed the account to be mines. I have already spoken to the business that stated the account was mines and they could not provide me any documentation that the account belongs to me. So why is the accounts still on my credit file. Why have n't the credit bureaus sent me anything documentation which stating the account belongs to me. They 're not granting my request of permissible purpose, and if they do have permissible purpose, where is their proof? Where 's the promissory note or contract with my signature binding me to the contract. The representative told me over the phone that the my used a screenshot of what the creditors sent them to verify the accounts. That 's against the law.

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 2017-09-23 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I have a debt on my credit report of {$1800.00} from a company called XXXX XXXX XXXX Says it was opened on XXXX XXXX, 2013. It was purchased from another company called XXXX XXXX XXXX XXXX. It states that the original balance was {$2400.00}. I have no idea who either one of these companies are. I tried to find out if there is another original creditor. I also asked if this was mine, when was the last payment that I made? Does this company have to give me this information? Can this fall under time-barred?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 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: GA

Complaint narrative:
I have been disputing two bankruptcies on my credit report for several months. 
I have requested that the Experian delete the incorrect information showing for both of these bankruptcies. The identification # for both are XXXX and XXXX. They are both showing the case as dismissed which is incorrect. They were both voluntarily withdrawn before the completion of any judgement. They should show the correct information. I have requested for Experian to validate with the bankruptcy court that the information is showing correctly. I contacted the court myself and was notified by the Court Clerk for the XXXX XXXX XXXX court that they DO NOT verify any court cases with the credit bureaus. This is false information is causing harm to my reputation and damaging my financial credit worthiness. I have requested in several letters to Experian asking for proof that they have validated the information showing on my report. Experian sends my dispute back as verified but unable to provide me with information on how they verified or validated the information. I am requesting that they either provide me proof from the court that the information is validated. If that information can not be provided then I am requesting both cases be removed from my credit report immediately or I will be forced to file a lawsuit against Experian for the providing incorrect/false information to companies that request my credit report.

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 2017-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am extremely upset about the lack of protection i have been offered by equifax after the whole " hack '' fiasco. Now, not only i have to be constantly monitoring my credit but also pay from my own money for services to ensure my personal information is not being used without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: OH

Complaint narrative:
This is the 4th or 5th time XXXX XXXX XXXX Has hired a collection company for a debt I do not even owe. 
this account is over 5 years old. I am sick and tired of proving I do not owe this debt.This will be the 3rd time I have reported this so called debt to the Federal Trade/CFPB. 
This new collecting debt company named ERC keeps calling and calling my phone about this debt i do not owe, I received a letter in the mail today from ERC Collections. 
stating they want me to settle this debt. for the amount of {$140.00} and giving me options on how to pay this so called debt. 
My account with XXXX XXXX XXXX was closed years ago after they tried to charge me for long distance that I did not use. They could not prove the charge, and I paid my bill with XXXX XXXX XXXX and I terminated their service landline. This is an ongoing problem from a company that is trying to muscle money from me that i do not owe. 
This letter from ERC is dated XXXX XXXX, 2017. and it say that XXXX XXXX XXXX is the original creditor ... ..And if this debt has been placed on any of my credit reports I will fight to have them removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 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: Diversified Consultants, Inc.
State: MO

Complaint narrative:
A collection from diversified consultants was listed on my credit report for {$580.00} for XXXX XXXX. They did not send me any notification they were placing this on my credit report. This is not my debt and I can provide proof that whatever address was in service for this debt, I did not live At. They can NOT validate the debt as this is n't my debt. I am tired of this debt that 's not even mine being passed around and sold after proving the debt is n't mine. I will be filing suit at the attorney generals office if this is sold again and not immediately deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-23 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: GA

Complaint narrative:
I have been disputing two bankruptcies on my credit report for several months. 
I have requested that the XXXX delete the incorrect information showing for both of these bankruptcies. The identification # for both are XXXX and XXXX. They are both showing the case as dismissed which is incorrect. They were both voluntarily withdrawn before the completion of any judgement. They should show the correct information. I have requested for XXXX to validate with the bankruptcy court that the information is showing correctly. I contacted the court myself and was notified by the Court Clerk for the XXXX XXXX XXXX court that they DO NOT verify any court cases with the credit bureaus. This is false information is causing harm to my reputation and damaging my financial credit worthiness. I have requested in several letters to XXXX asking for proof that they have validated the information showing on my report. XXXX  sends my dispute back as verified but unable to provide me with information on how they verified or validated the information. I am requesting that they either provide me proof from the court that the information is validated. If that information can not be provided then I am requesting both cases be removed from my credit report immediately or I will be forced to file a lawsuit against XXXX for the providing incorrect/false information to companies that request my credit report.

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 2017-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Focus Holding Company
State: VA

Complaint narrative:
I just pulled my credit report thru XXXX XXXX and notice there was a collection for {$300.00} to a collection agency by the name of Focus Receivables Management for a XXXX XXXX acct. I`ve never had a XXXX XXXX acct and surely dont owe this company any money. 
The acct # XXXX XXXX XXXX XXXX, WHATEVER THAT SUPPOSE TO BE. 
And furthermore I was never notice by this company of any delinquency..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Had some challenges over the years making student loan payment payments ( XXXX ; and again in XXXX when I lost my job. Called to get help and each time the only option given to me was forbearance. I was never offered any other types of assistance or programs. As a result, I am in more debt now that every before. The student loan amounts are listed in my credit report multiple times causing a negative impact on my credit score. I owes thousands in loans ( mostly from interest, fees, and forbearance ). This has caused a tremendous hardship on my family. It would have been nice to know that I could have been enrolled in an income based repayment program based off my income so that I could have kept up with my student loans -- and not pushed into forbearance as my only option. 

I have called XXXX XXXX, wrote letters, but nothing helps.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: UT

Complaint narrative:
I opened a checking account with US Bank at the beginning of XXXX under a promotion where I was to receive {$200.00} within 60 days of having a direct deposit to the account of over {$500.00}. My first direct deposit from work of over {$1200.00} posted to my account on XXXX XXXX. According to the terms of the promotion, I expected to receive my {$200.00} bonus before XXXX XXXX. I never received the bonus. I sent an email to customer service asking when I would receive the bonus, received an automated response indicating someone would get back to me, and nobody did. I called US Bank on XXXX XXXX to inquire about the bonus and the customer service agent indicated that after researching the terms, he believed I met the terms and that I should have received the bonus and submitted a request for it to be looked into. He said I would either receive the bonus on XXXX XXXX or somebody would call me on the XXXX to discuss the issue. The money never showed up and nobody ever contacted me. I obviously find this treatment to be very frustrating and unprofessional.

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 2017-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
1. Wells Fargo admitted they tried to steal my home. Wells Fargo admitted they illegally processed data for my Mortgage loan on Page 2 of the letter they wrote XX/XX/XXXX in response to CFPB complaint ( XXXX ). I would like the Consumer Financial  Protection Bureau to investigate the crimes admitted to by Wells Fargo. Wells Fargo has failed to provide evidence that the current Balance is correct they have continued charging on my Mortgage loan ( after their Fake Foreclosure Attempt ). Please investigate improper handling of my Mortgage loan status and gross errors in financial accounting by Wells Fargo. I am an elderly man that has been the victim of Elder Abuse by Wells Fargo bank representatives. 

2. In response to CFPB complaint ( XXXX ) on XX/XX/XXXX, Wells Fargo lied and completely fabricated the information they provided to the Consumer Financial Protection Bureau. I, XXXX XXXX, never spoke with them on XX/XX/XXXX regarding my Escrow balance. I, XXXX XXXX, NEVER Signed the Hold Harmless Agreement Wells Fargo Bank falsely presented to the CFPB nor did anyone acting on my behalf. A Wells Fargo Bank employee forged my signature like they have done so many times before in well documented cases with other consumers. 

3. I have included a copy of their fake Hold Harmless Agreement Signature next to my own. Anyone can clearly see the Wells Fargo Hold Harmless Agreement DOES NOT CONTAIN MY TRUE SIGNATURE AND WAS FORGED BY WELLS FARGO. 

4. Please let the record show that I will sue Wells Fargo and hold them completely responsible for elder abuse, fraudulent accounting, RESPA violations, theft, and forgery. 

Copies of the Letters and Evidence that My Signature was forged is attached. 

Sincerely, 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 2017-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax failed to properly protect my PII data, compromising my identity and future creditworthiness. Their bad business practices demonstrate they should not be entrusted with this information in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: TX

Complaint narrative:
On XXXX XXXX, XXXX I checked my credit report and saw that ProCollect , Inc was reporting a past due amount for an apartment complex. I called to speak with a representative regarding a resolution on the account and possible deletion from my credit due to I never received a notice regarding this balance. The representative was not willing to work with me regarding settling this debt but kept demanding I pay the balance in full and they would not remove from my credit. I requested to speak to a supervisor and she was very rude, unwilling to help, and very unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMA Advisors, LLC.
State: CA

Complaint narrative:
After applying for and being pre-approved for a loan with HomeBridge, we requested a loan estimate and a rate lock. 

- When pressed for a XXXX, XXXX provided a misleading document and claimed it was a loan estimate. Quote : Here is the XXXX you requested. and naming the filename in question LE XXXX. After being we asked to confirm : XXXX XXXX Thank you for sending this. I 'm on my phone and ca n't review it, but wanted to confirm this is a loan estimate ..., XXXX replied with : The very inaccurate XXXX, yes. [ XXXX ] - XXXX refused to provide an official loan estimate unless we signed a purchase agreement for the home : Quote : This is all I can legally provide you without having a complete application ( meaning a purchase contract ). [ XXXX ] [ XXXX ] - XXXX refused to send an official loan estimate after taking a full application, pulling our credit, all our XXXX, bank statements etc and providing a pre-approval letter. [ XXXX ] Additional complaints - XXXX offered an extremely attractive interest rate, beating all our other offers by XXXX and offering a free XXXX rate lock. [ XXXX ] - In order to confirm XXXX claims, we contacted XXXX separately, provided the same information, and were quoted a rate that was XXXX higher, and a 45 day lock. 

- Immediately after we were pre-approved, XXXX requested we should not have our credit pulled by another lender, saying that would hurt our score. 


XXXX : - On XXXX XXXX XXXX - We made an offer to purchase XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX | MLS # XXXX - On XXXX XXXX XXXX - The seller XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX demanded we pre-qualify XXXX XXXX. Quote : Purchase agreement shall be signed upon pre approval verification from XXXX XXXX of XXXX XXXX XXXX. 

- On XXXX XXXX XXXX we met XXXX and spend several hours with her providing all our financials to pre-qualify for a loan. [ XXXX ] - On XXXX XXXX XXXX we requested XXXX lock the promised interest rate and provide us a XXXX XXXX. At that point, she immediately informed us the interest rate had jumped by an XXXX - On XXXX XXXX and XXXX XXXX we kept requesting for an official loan estimate. XXXX provided XXXX separate XXXX separate documents which were not official loan estimates, but claimed XXXX of them were. Eventually XXXX said she could not provide an official loan estimate unless we sign the purchase contract with the house first.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX XXXX, the original creditor of XXXX credit card sold an " unknown '' old debt to a debt collector XXXX XXXX  XXXX XXXX ( https : //www.portfoliorecovery.com/ ). I closed this account in XXXX, when my filing of divorce with my Ex wife, for what I believed that this debt was paid off, I called XXXX card and they told me it 's XXXX balance. 
My reason for protesting is, Im not convinced that this is not a fraudulent charge. Ive been harassed by collectors at work, still dont know if their claim is valid or not. My understanding is, they should not be contacting me at work. These days, its hard to just believe or accept such claims, due to advanced technologies, many are false. Im still questioning the validity and amount. 

Portfolio turned it over the XXXX XXXX XXXX XXXX XXXX  located in XXXX XXXX. Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX They wo n't answer phone calls. I want to tell them that I do n't know anything about this debt. Before it was turned over to them. I received a call at my work place telling me to give the phone to my employer and I will be called or summoned to appear at court. It is illegal for Portfolio Recovery , Associates and XXXX XXXX XXXX to threatened me like that and calling me sometimes after XXXX. Nowadays, you wo n't just accept or believe a phone call or a letter through the mail that someone is claiming that you owe them. Portfolio recovery sent me some copies of proof of debt and I do n't even know the address that was indicated in the bill and it 's not even my address.. Obviously, someone used the credit card in the past. I closed the card in XXXX and all of a sudden they called me early this yearXX/XX/XXXX to tell me that I owe them. After 5 years??

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LoanCare, LLC
State: MI

Complaint narrative:
Some how my address was changed to an unknown address and is now reported to my credit report. Company could not tell me who or how my info was changed. I have absolutely no connection with the address. 

Loancare.com. They recently bought my mortgage from XXXX XXXX added that I have no connection with is .... 
XXXX XXXX XXXX unit XXXX XXXX XXXX XXXX mi 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