vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX/XXXX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX 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 2017-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX has been notified in writing more than once about incorrect information. They have also been sent a police report showing identity theft in XXXX even tho I have had identity theft as well in XXXX. Notorized letters and proof have been submitted and they respond with the information has been verified when the world knows they do not investigate anything. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX again with different address XXXX mortgage services Known have any dates posted My life has been effected by dishonest pratice of the credit bereaus. This will be my third time sending in endless docs to clear up the mess but I need a outside source to hear and view the corruption of the credit bereaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX/XXXX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX 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 2017-10-08 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: FL

Complaint narrative:
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX/XXXX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
I have reviewed my Credit report and found several account unrecognized items from your office CHOICE RECOVERY INC  # XXXX. I do n't remember doing any business or having having a contract for services. Please forward me proof of contract or my signature etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
There are two fraudulent XXXX accounts being reported on my credit bureau reports. One is a XXXX XXXX credit card ending in # XXXX and the other is a XXXX XXXX XXXX account ending in XXXX. I have sent several notices to all 3 national credit bureau agencies XXXX, XXXX and Trans Union advising them that they are fraudulent accounts and have demanded validation from the creditors. Unfortunately, to no avail I have not received any information and they are both being reported as derogatory accounts. This is having an adverse effect on my credit rating. The accounts appear to have been opened by someone in my family and or household who has access to my personal information. This violates federal law under the FCRA and FDCPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
There are XXXX fraudulent XXXX accounts being reported on my credit bureau reports. XXXX is a XXXX XXXX credit card ending in # XXXX and the other is a XXXX XXXX XXXX account ending in XXXX. I have sent several notices to all XXXX national credit bureau agencies XXXX, Equifax and XXXX XXXX advising them that they are fraudulent accounts and have demanded validation from the creditors. Unfortunately, to no avail I have not received any information and they are both being reported as derogatory accounts. This is having an adverse effect on my credit rating. The accounts appear to have been opened by someone in my family and or household who has access to my personal information. This violates federal law under the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I applied for a mortgage loan from US Bank. I was pre-approved with a XXXX XXXX of XXXX and income over {$150000.00} per year. At the last minute, after XXXX extensions, my loan was declined due to litigation against the HOA of the property I was purchasing. When I received my denial letter, it stated I was denied due to my income and credit report. They even included the credit report of XXXX with the denial ... .. I have been requesting a letter for the correct denial since XXXX/XXXX/XXXX. US Bank will not send me a correction. I am in need a correct letter to file suit against the realtors and owner of the property.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
I bought a car from XXXX XXXX XXXX XXXX XXXX, XXXX in XXXX, MS. Near the end of the loan paperwork XXXX said GAP insurance was required by Credit Acceptance in order to purchase the car. I asked if it was necessary even though I already had auto insurance? He said yes so I signed. The amount was an additional {$670.00} to my loan. My name is XXXX XXXX. XXXX, XXXX XXXX XXXX # XXXX, XXXX, MS XXXX. XXXX or XXXX. My mother XXXX XXXX also purchased a car from XXXX XXXX XXXX & had to purchase GAP insurance with Credit Acceptance. Her phone number is:XXXX. She bought a XXXX XXXX XXXX. I bought a gray XXXX XXXX XXXX 09/03/16. XXXX XXXX XXXX number is:XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
I continously receive mail related to a mortgage payment from Ditech- a mortgage servicer. In XXXX I received a XXXX to XXXX after Ditech dismissed the foreclosure case because of forged signatures and the wrong loan amount. 

I received a " XXXX of XXXX of XXXX XXXX XXXX ''. This came from XXXX XXXX, the admitted owner of the note. I only have XXXX mortgage. 

Ditech continues to attempt to collect on a mortgage when I, the property owner received a release of deed of trust because Ditech admitted in court that the title company forged my signatures.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had this Capital one Credit Card since XX/XX/XXXX, I reported one of the transaction as fraudulent which happened way back in XX/XX/XXXX. I reported this on XX/XX/XXXX, the agent said it will take 30 days to investigate the matter, yesterday I received a Letter from Capital one which said " dispute has been resolved in my favor and the credit of {$450.00} will be applied in my Credit card Account '' ( See the copy of the letter attached ). 

See how deceiving Capital one bank is ... 

Instead of sending me a check they applied to my credit card Account which was closed way back in XX/XX/XXXX, I do n't owe any money to Capital one as I had a settlement with the Bank, I had to make three payments of {$350.00} and that was it ( see the settlement agreement I had with XXXX XXXX, XXXX XXXX XXXX XXXX, attorney of capital one - attached ) When I called the customer care, I was told that I had a balance of {$1100.00} on the credit card and this {$450.00} will be applied to it. Now, what the XXXX? 

why would I in first place, put a charge as fraudulent when I am not going to receive it? Why I had to fight for it when I got nothing out of it? why the customer service agent told me when I was disputing the charge that I am not going to get it. 

What is the meaning of having a settlement with the bank when you still owe to the Bank? 

I can not access my Capital account online, Capital one has blocked it, so how can I see what is applied and what not? 
From XX/XX/XXXX since I had settlement with the Capital One Credit card, I have n't got a single statement from them telling me I still owe to the Bank. 

I spoke with " XXXX '' ( Employee ID - XXXX ) in the fraud department of Capital one yesterday and she said from now on Capital one delinquency will not be visible on my credit ( XXXX, XXXX, etc ), Now Mam, it is not visible from XX/XX/XXXX, so what are you talking about, you are not saying something new. 

I had issue with capital one before too and reported it to this website, I got a call from " XXXX '' from Capital one executive office, now, whenever I call her back on " XXXX XXXX XXXX XXXX '' it goes on voicemail and she does n't responds, I would like the consumer finance to take a strict action against this company, recover my money and punish them to the fullest extent of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
This company threatened to damage my credit so I paid {$500.00} as requested for deletion BEFORE it appeared on my credit file. I paid and they STILL reported it to my credit file. They agreed to not have placed this on my credit and they sent it anyway to all 3 credit bureaus which is damaging my credit score. They lied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 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: NC

Complaint narrative:
I have contacted Equifax, XXXX and XXXX about unauthorized inquiries. I have asked more than 3 times for them to remove them and they keep telling me that they can not. The dates are ranging from XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 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: NY

Complaint narrative:
XXXX/XXXX/XXXX I went into an XXXX XXXX XXXX authorized retailer to discuss the possibility of switching from a pre-paid plan to a post-paid account with a device. During the course of the conversation the employee performed a credit check without my knowledge or permission. At the end of the conversation the employee said the check had been a soft pull and would n't affect my credit. 
XXXX/XXXX/XXXX I got an alert that XXXX XXXX XXXX had done a hard pull of my credit on my equifax report. I immediately called XXXX XXXX XXXX and they said they could n't do anything, it had to be removed by the credit reporting agency. Equifax had already closed for the weekend. 
XXXX/XXXX/XXXX I spoke to Equifax, they said XXXX XXXX XXXX had to give electronic authorization to remove the inquiry. 
XXXX/XXXX/XXXX I spent over an hour on the phone with XXXX XXXX XXXX transferred to 4 different departments. No one knew how to remove it, most people said they could n't have done a hard inquiry. They told me I had to speak to the store where the inquiry had been done. 
XXXX/XXXX/XXXX I spoke to the authorized retail location and the employee said she needed her manager to help her. 
XXXX/XXXX/XXXX I spoke to the manager at the authorized retail location. He did n't know what to do and hang up on me, then refused to answer the phone ( I tried calling back for over an hour ). 
XXXX/XXXX/XXXX I spent another half an hour on the phone with XXXX XXXX XXXX customer service. They transferred me to finance who said I needed a payment specialist to help. The payment specialist did n't know what to do and hung up on me. 
XXXX/XXXX/XXXX I filed an online dispute about the inquiry with Equifax. So far no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found these late payments on the dates below : 30 days late as of XXXX XXXX 30 days late as of XXXX XXXX 60 days late as of XXXX XXXX 90 days late as of XXXX XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I previously filed CFPB complaint # XXXX about WELLS FARGO HOME MORTGAGE. Wells Fargo basically told CFPB everything was in order so CFPB closed the complaint before hearing my response to WELLS FARGO 'S Allegations. Im going to try to submit this complaint once more, in an attempt to make my concerns as clear as possible : 1. XXXX I signed 1st & 2nd Mortgages totaling : {$220000.00} 2. Wells Fargo presently alleges I owe : {$240000.00} 3. XXXX, XXXX Wells Fargo entered a 2nd Mortgage Release of XXXX : {$37000.00} XXXX. XXXX I contracted with Oregon Making Home Affordable Program : {$35000.00} 5. Since XXXX I have paid : {$85000.00} 6. Despite ROL, MHA and my payments the original debt has INCREASED : {$23000.00} My question ( which Wells Fargo and CFPB have failed to answer ) is : How can Wells Fargo receive {$150000.00} ( consisting of a {$37000.00} Release of XXXX which I was required to claim on my XXXX Federal Income Tax, {$35000.00} in Oregon Making Home Affordable funds, and {$85000.00} payments Ive made on the original mortgages ) and still claim I owe {$23000.00} MORE than the original combined mortgages, while also claiming " all unpaid late charges that remain unpaid will be waived '' ( XXXX XXXX, XXXX Mortgage Modification )?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have contacted XXXX, Transunion and XXXX about unauthorized inquiries. I have asked more than 3 times for them to remove them and they keep telling me that they can not. The dates are ranging from XXXX to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 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: NC

Complaint narrative:
I have contacted XXXX, XXXX and Experian about unauthorized inquiries. I have asked more than 3 times for them to remove them and they keep telling me that they can not. The dates are ranging from XXXX to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Audit & Adjustment Co. Inc.
State: WA

Complaint narrative:
Amount of {$430.00} was owed to XXXX XXXX XXXX. Debt has now been inflated to double. I have been asked to pay interest, per state law I know I owe. Attorney fees, late fee 's and service fees are being applied to the amount owed. My state laws states that only fees can be collected if there is a written contract between the creditor and the debtor. No such contract has ever been provided to me from Audit and Adjustments out of XXXX Washington. An itemized list is not a contract of services owed. 

I have asked multiple times that they report to the 3 credit bureaus, but they have refused to provide a letter to me saying that they will report to even one once the debt was paid. 

Amount has now been inflated to {$980.00}

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