vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-09 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: IL

Complaint narrative:
I received an alert that XXXX made an inquiry on my credit. I called XXXX to inquire as to why and I was told they had not made an inquiry on my credit. It is on my credit report that on there was an inquiry made on XX/XX/2018. I did not apply for anything with XXXX. This inquiry was also made in Washington state, I do not live in Washington.

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 2018-03-09 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: CA

Complaint narrative:
XX/XX/2017, I took my niece to the car dealership to look at some cars. They ran her credit and said she needed a co-signer. I was told by the salesperson that I would be able to co-sign for her vehicle after he ran my credit with the bank. I discovered later that he ran my credit 4 times with 4 different banks without my consent.

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 2018-03-09 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
XX/XX/2017, I took my niece to the car dealership to look at some cars. They ran her credit and said she needed a co-signer. I was told by the salesperson that I would be able to co-sign for her vehicle after he ran my credit with the bank. I discovered later that he ran my credit 4 times with 4 different banks without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
XX/XX/2017, I took my niece to the car dealership to look at some cars. They ran her credit and said she needed a co-signer. I was told by the salesperson that I would be able to co-sign for her vehicle after he ran my credit with the bank. I discovered later that he ran my credit 4 times with 4 different banks without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 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: TX

Complaint narrative:
XX/XX/17 a dispute was filed to Trans Union and XXXX  for a federal tax lien in the amount of {$11000.00}

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
Consumer complaint received 2018-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: TX

Complaint narrative:
I was on a apartment lease for six months. After my six months came up I had left the apartment and they said I broke the Contract because I didnt give My two months notice. 
Which clearly I didnt know. it was a simple mistake which is money I never own them or didnt pay .. The six-month I was there I paid my rent on time and all that you know it was a apartment lease. The only thing is I dont understand is why they charging XXXX if I didnt own them that money And they still kept my whole deposit didnt get nothing back from that. Receive All this calls daily and just thinking about this gives me a headache which I dont really own them money. I feel this is an abuse from the collectors all they want is your money. Something they tend to do every day is call me. You know that really frustrates me and really annoy me. then sometimes people call And them seem to sound a bit rude and Disrespectful.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 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: AL

Complaint narrative:
I have spent an enormous amount of money and time writing, Certified Mail cost and hours on hold to all three credit reporting agencies trying to clean up credit reports. Two of the hard inquiry complaints once were removed only to re-appear. 

While XXXX is the worse company to deal with, my experience with Transunion has generally favorable. XXXX has been very helpful. 
I have recently had a had experience trying to get unauthorized hard inquiries removed.

The following two hard inquiries were once removed and we're unauthorized. I never applied or signed a credit application. Unless Transunion has a signed application for these two and the others then they should be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX / Inquiry Date : XX/XX/XXXX ( Auto Dealer ) XXXX XXXX XXXX / Inquiry Date : 1XX/XX/XXXX ( Auto Dealer ) XXXX XXXX XXXX XXXX / Inquiry Date : XX/XX/XXXX ( Bk. Credit Cards ) XXXX XXXX  / Inquiry Date : XX/XX/XXXX ( Bk. Credit Cards ) It is not right to punish a person for unauthorized hard inquiries. 

XXXX XXXX 3XX/XX/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 2018-03-09 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:
Experian reporting account that were not mine. Under FCRA, I have sent several letters to request proof of that these accounts are mine, and all they send me is a reply that they are verified. I have sent several letters via certified mail The accounts listed as negative XXXX XXXX XXXX XXXX XXXX XXXX ... 

collections accounts XXXX XXXX They are required under FCRA to provide original documentation and have not provided me with any proof they are my accounts as required under FCRA section 609.

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 2018-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: AR

Complaint narrative:
Received my credit report in the mail and noticed a new collections account added from a company I had never heard of called CFSI. I received notice from them regarding a debt 2 months ago. I immediately sent them a dispute and verification letter 3 weeks before the 30 days were up to dispose, asking for any contracts signed, proof of the statue of limitations, and proof that this debt belonged to me. Afterwards, I never received any other correspondence from them to verify this alleged debt. The next notification I received was it appearing on my credit report. I have not received any services from this company. This alleged debt was added without notification to me and no right was given to dispute it. Not only did they not allow me to verify this debt, this debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
CHASE XXXX Account # XXXX IS PASSED THE SEVEN YEAR MARK ON MY CREDIT AND IS NEGATIVELY AFFECTING MY CREDIT SCORE! 
THIS ACCOUNT HAS BEEN CLOSED FOR OVER SEVEN PLUS YEARS AND IT NEEDS TO BE DELETED AS PER ( THE FCRA ) THIS IS CAUSING ME FINANCIAL HARM! 
PLEAE HAVE THIS DELETED FROM ALL THREE CREDIT AGENCIES. 

THANK YOU VERY MUCH

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: CA

Complaint narrative:
XXXX XXXX XXXX has sent my account to collection company while The full Patient share has been paid. XXXX XXXX  is forcing me and pushing me under pressure by collection company to pay the insurance share due to the fact their claim process was not done right and insurance just paid for an alternate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient account is reporting late payments and most recent payment of XX/XX/XXXX. However the account was consolidated by XXXX back in XX/XX/XXXX. XXXX info XXXX XXXX  XXXX, XXXX, PA XXXX | M-F XXXX to XXXX ( ET ) | XXXX Please call to discuss as I have a letter from XXXX regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
I have never signed an agreement that i understand there to be a debt with you. Therefore there is no debt and fraud is close too the actions you are taking

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
For myself and my wife, Equifax is showing a balance due still for this mortgage that we had a completed XXXX for. As of XX/XX/2015 the owed balance should be {$0.00} no more late payments after that date. 

They however still show a balance due of over XXXX and over XXXX as " past due '' XXXX XXXX  XXXX and Equifax have been contacted numerous times but ignore the problem. I need it fixed so we can get a new mortgage starting XXXX of this year ( 3 year waiting period )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
I already talked over the phone to att to advising that this account was bundled to XXXX XXXX and it was pay off to XXXX XXXX. XXXX reported twice to my credit but they do not have the rights because this account was paid off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
I was never sent any documentation or validation notice of this debt. 
That is against the law. 
The creditor has broken the law and this DEBT needs to be REMOVED from my credit report ASAP. 
This DEBT is not mine and NO attempt has been made to validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX account is reporting late payments and most recent payment of XX/XX/XXXX. However the account was consolidated by XXXX back in XX/XX/XXXX. XXXX  info XXXX XXXX XXXX, XXXX, PA XXXX | M-F XXXX to XXXX ( ET ) | XXXX Please call to discuss as I have a letter from XXXX regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX account is reporting late payments and most recent payment of XX/XX/XXXX. However the account was consolidated by XXXX back in XX/XX/XXXX. XXXX info XXXX XXXX XXXX, XXXX, PA XXXX | M-F XXXX to XXXX ( ET ) | XXXX Please call to discuss as I have a letter from XXXX regarding this matter.

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 2018-03-09 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: PHH Mortgage Services Corporation
State: FL

Complaint narrative:
For myself and my wife, XXXX is showing a balance due still for this mortgage that we had a completed Deed-In-Lieu for. As of XX/XX/XXXX the owed balance should be {$0.00} no more late payments after that date. 

They however still show a balance due of over 28K and over 5K as " past due '' PHH Mortgage Service and XXXX have been contacted numerous times but ignore the problem. I need it fixed so we can get a new mortgage starting XX/XX/XXXX of this year ( 3 year waiting period )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
I had to send euros to a specific bank account to verify an account, this was so I could withdraw my money from the Coinbase account.

Its now been over two weeks with little to no response from them and the account is verified. They state it will take one or two business days. Its been 14 and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Since XX/XX/XXXX, Chase Cardmember Services has failed to assist me in disputing the following charges with the merchants : XX/XX/XXXX XXXX {$1900.00}, XX/XX/XXXX XXXX XXXX {$1800.00}, XX/XX/XXXX XXXX XXXX {$160.00}, XX/XX/XXXX XXXX XXXX {$180.00}, XX/XX/XXXX XXXX XXXX {$200.00}, XX/XX/XXXX XXXX XXXX {$260.00}, Chase Cardmember Services has also continued to charge my account finance charges while the disputes are in process and obligated me to make minimum payments on the disputed transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Reference closed Consumer complaint file # XXXX Ocwen loan Servicing Property address : XXXX, GA XXXX Account # XXXX Ocwen continues to report that my account has been charged off and closed after they had investigated and confirmed to your agency that this is incorrect per closed complaint # XXXX. 
I recently checked and all credit bureaus have received information between XX/XX/XXXX that my account has been closed, charged off, hence my credit score decreased by over 100 points. 

Ocwen continues to report this incorrect statement every couple of years although i have never been late and my account is current. I need Ocwen to remedy this situation and place a permanent ban on reporting incorrect information as this is adversely affecting my ability to obtain credit. 
I truly believe Ocwen is trying to intimidate me in paying off this loan or to foreclose as they lied previously that the account was a balloon loan. 
Please investigate and advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On several occasions I made online debit transaction s where you must pay for your product before it's received. Unfortunately, I am paying for such service s with money being debit Ed to my account and the companies are telling me the product was never paid for. Besides, having someone always standing around watching, I then have to repurchase my product ( making a duplicate transaction ) by entering into my savings. When the bank is contacted all they can do is re submit another card. So far this was a total of an estimate {$250.00}. I am being asked did I figure out what's happening? Or they're telling me they never got the money. Too often there's a shortage 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 explanation
Consumer complaint received 2018-03-09 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: MO

Complaint narrative:
I disputed this account recently letting them know that this is incorrect reporting and requested verification of the debt. They have told me they've verified the debt however have not provided proof of the verification or of original debtor verification. I have made the request twice within the past 5 months.

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 2018-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I am making a formal complaint against my mortgage servicer due to the negligent practices in handling my loan. I had a financial hardship about a year ago and fell behind on payments. I called my mortgage servicer numerous times to find out what I could do to help bring the loan current. I was never told about modification options available and I am now facing foreclosure with a pending sale date of XX/XX/18. 

I had one modification done several years back and was completely unaware that I may apply for another one. I believe my mortgage hold intentionally withheld this information until it was too late for me to apply. My property has equity and I am now being told there is nothing I can do to save my home except cure the full past due amount of {$14000.00}. I was never sent any documentation regarding hardship programs. I was not given any helpful information over the phone or offered the time to speak with someone regarding my hardship except to make payments. 

I am now working my regular job and can not afford to loose my home. I am requesting that Ditech Financial stops or postpones the sale date and allow me the opportunity that I was denied to cure my account with a modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
I Was cheated by your vice president branch manager wells fargo XXXX XXXX IDXXXX when I opened my account I was promised that I will be able to make transfer onlain. He promised me everything that I asked. He didnot tell me that I need SSN and US phone number. I told him that I live in XXXX and was not going To US again. I was cheated. I am not able make wire transfer or domestic transfer onlain. When I call them, they always promised me that call me back. But every time they cheated me. 
I am a XXXX and permanently live in XXXX and I am not able to vizit a bracnh. I submitted complain to Office of the Comptroller of the Currency My Confirmation Reference Number is : XXXX The OCC is an independent bureau of the U.S. Department of the Treasury.

I submitted complain to Consumer Financial Protection Bureau ( CFPB ), Confirmation Number XXXX. Ps I had already had problem with your bank and it was solved after complain and your bank even sent me a XXXX as gift.

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 2018-03-09 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: AL

Complaint narrative:
Equifax has refused by phone to investigate the unauthorized hard inquiries. The two from XX/XX/XXXX were removed but has re-appeared. 

XXXX XXXX XXXX XXXX XXXX / Inquiry Date : XX/XX/XXXX. ( Auto Finance ) XXXX XXXX XXXX / Inquiry Date : XX/XX/XXXX. ( Auto Dealer ) XXXX XXXX XXXX XXXX /Inquiry Date : XX/XX/XXXX ( Bank Credit Cards ) XXXX XXXX Inquiry Date : XX/XX/XXXX. ( Bank Credit Cards ) I have not made Credit Applications or authorized inquiries to any of these companies. I ask for Equifax to do the honorable thing and remove these from my credit report. Thank you. XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation