vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-20 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: GA

Complaint narrative:
I can't get a credit report online it keeps saying and there are a few accounts on there that I need to dispute. Also it has an address listed that I never lived at and this address is on my credit report as a mortgage I opened which I never did.Thank you,XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: LA

Complaint narrative:
Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX    (Original Creditor: XXXX XXXX) XXXX, XXXX    (Original Creditor: XXXX XXXX) XXXX, XXXX XXXX  (Original Creditor: XXXX 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 2019-08-20 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: LA

Complaint narrative:
The following companies ran unauthorized credit report on me..  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I never authorized such inquiry..I have never given permission for them to inquire my credit status.. Please remove unauthorized inquiries on my credit report.. This is a violation of the Fair Credit Reporting Act Section 1681b(c) and a serious breach of my privacy rights

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
HelloI am trying to payoff my mortgage with a company Mr Cooper(a/c XXXX)Should be a simple process but not with Mtr CooperFirst of all, they only let you pay up to 90% of the principal using it's web site, so only was able to pay $XXXX   online on XX/XX/2019.On XX/XX/XXXX I requested a payoff amount , while charged $XXXX  expedited fees.The payoff  amount I received was incorrect as Mr Cooper fail to apply my $XXXXtowards my principal even though it should be same day payments.For the rest of my unpaid balance onXX/XX/2019 I sent a wire from my checking account at XXXX XXXX XXXX   bank for $3,710.00.Mr Cooper never applied this wire towards my unpaid balance, they used escrow funds to payoff my mortgage so the $XXXX I wired on XX/XX/XXXX are still missing as of today, XX/XX/2019, despite several phone calls and messages I sent through MrCooper web site.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: LA

Complaint narrative:
The following companies ran unauthorized credit report on me.. XXXX XXXX, XXXX, XXXX   XXXX, XXXX XXXX XXXX, .. I never authorized such inquiry..I have never given permission for them to inquire my credit status.. Please remove unauthorized inquiries on my credit report.. This is a violation of the Fair Credit Reporting Act Section 1681b(c) and a serious breach of my privacy rights

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 2019-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
The late payments reporting on the accounts are completely incorrect. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. I am requesting that you step up and remove the late payments reported on the accounts because it is completely INACCURATE AND INCOMPLETE in reporting. Remove XXXX XXXX XXXX XXXX**, XXXX XXXX XXXX XXXX****

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
The late payments reporting on the accounts are completely incorrect. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. I am requesting that you step up and remove the late payments reported on the accounts because it is completely INACCURATE AND INCOMPLETE in reporting. Remove XXXX XXXX XXXX XXXX, XXXX XXXX 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 2019-08-20 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: CA

Complaint narrative:
EQUIFAX wrongfully shows the negative account,US DEPT OF EDUCATION/XXXX account #XXXX on my credit bureau.Yesterday equifax "verified" the account as minefor the umpteenth time.The account was never mine.I did not apply for this loan.I did not receive any proceeds from this loan.I have never received any proceeds nor were any educational facilities paid for my benefit.IT IS NOT MINE!IT IS AN ERROR OF THE DEPT OF EDUCATION!I have received negative credit reporting for years and would and could sue Equifax but I have to get in line and I think Equifax will be Bankrupt soon.I have attached  copies of my CA drivers license and social security card.I have attached "the police report of Id theft"an FTC REPORT.IN XXXX...EQUIFAX'S CFPB RESPONSE WAS CONTRARY TO THE FCRA.THEY SHOULD HAVE SUPPRESSED THE INFORMATION UPON RECEIPT FROM THE CFPB.EQUIFAX HAS FOREIGN EMPLOYEES THAT HAVE A DISREGARD FOR US LAW.AS OF THIS MOMENT,EQUIFAX HAS REMOVED 4 OF THE 5 SCHOOL LOANS MENTIONED IN THE FTC REPORT.EXPERIAN AND TRANSUNION HAVE REMOVED ALL 5.THIS DEPT OF EDUCATION LOAN SHOULD HAVE ALREADY BEEN SUPPRESSED BY EQUIFAX AND EQUIFAX WAS NOT REQUIRED TO CONTACT THE DEPT OF ED,BUT FOLLOW THE SCRIPT OF FCRA PROCEDURE AS WRITTEN BU THE US CONGRESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: IN

Complaint narrative:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: EQUIFAX, INC.
State: IN

Complaint narrative:
There is a medical bill being reported by XXXX XXXX XXXX XXXX that I paid with the original company XXXX XXXX XXXX on XX/XX/XXXX.  XXXX XXXX XXXX XXXX continues to call me even though I have told them repeatedly that this is paid, I have even sent them an email with a copy of the receipt.  I have contacted the original creditor who verified I owe nothing and said they would contact XXXX.  I have disputed the information with EQUIFAX 3 times and each time it comes back saying XXXX has verified the debt.  Upon calling EQUIFAX, they will tell me what XXXX submitted to verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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.

Complaint narrative:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap: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;		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  and			XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I  am XXXX  years old.I employed a reputable debt relief company to restructure my credit card debt with CapitalOne Mastercard. I have good credit (XXXX). I requested a change to my due date from the XXXX to XXXX.I spoke to two employees and a manager. I was told that a payment was due on the XXXX and CapitalOne would not change my due date. I would be delinquent and will continue to be delinquent. I was confused thinking I was doing the right thing. I called my debt relief company and was informed that Capitalone refuses to talk to them (I assume over any account). Did CapitalOne violate Debt Relief Law and can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted.Public Information: Chapter XXXX  Bankruptcy: Reference number: 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 2019-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
Wrote a check and paid debt but it is still showing as outstanding

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
Ncb management service a debt collector trying to collect a debt that I don’t recognize, a wrong balance they have it as an open account reporting it every month with a balance . They are violating my rights and damaging my credit score is costing me money . I demand to delete it of my XXXX  credit report and any other credit agency!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I would like my current and former creditor CAPITAL ONEto delete two old closed accounts for the explanation that follows.the accounts are XXXX   AND XXXX.they have appeared on XXXX XXXX   and XXXX at various times inconsistently due to my numerous dispute efforts.I have an understanding and knowledge of the fact that the bureaus and creditors have not held their customers accountable in time of "natural disaster" and "acts of God"that affected the consumers ability to meet their loan commitments .I HAVE EXPERIENCED AN ACT OF GOD AND AN OCCURRENCE SO SEVERE AS TO MAKE ANY NATURAL DISASTER LIKE A FORREST FIRE SEEM MINOR.My recently deceased,divorced father had XXXXl XXXX.There was no one but me to care for him,pay his rent,make all medical decisions and feed clothe and bathe him till the end.At the time of my lates was a time period of surgeries,some elective and experimental to attempt to save his life.I was younger and overwhelmed with the constant hospital environment and the life or death gambles I was making on my father's behalf.I was late on my loan commitments but caught up.Please be a human being and remove my accounts as the lates are devastating to my young credit and the fact that Itruly did have solid mitigating circumstance,ACTS OF GODTO CAUSE THOSE LATES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20 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: Caliber Home Loans, Inc.
State: MS

Complaint narrative:
I refinanced my home with Caliber home loans which was fully funded XX/XX/2019 paid off! They reported me late XX/XX/XXXX and XX/XX/XXXX on a paid off loan!! I contacted them several times calling and mailed certified letters! Also with all three credit bureaus they reported back as accurate! How when the loan is paid off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I refinanced my home with XXXX XXXX XXXX which was fully funded XX/XX/2019 paid off! They reported me late XX/XX/XXXX and XX/XX/XXXX on a paid off loan!! I contacted them several times calling and mailed certified letters! Also with all three credit bureaus they reported back as accurate! How when the loan is paid off

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 2019-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: VT

Complaint narrative:
On XX/XX/XXXX i received a default letter of an amount I owed of which was a total of $XXXX of which there was a Charge of $XXXX in purchases that i questioned and stated were not made.  Synchrony Bank review purchases thru XX/XX/XXXX and could not tell me where they came from.  That day they started a dispute file and stated to me it would take 30-60 days to resolve.  Since then i have spoke to them every week XX/XX/XXXX spoke with XXXX and stated its was under dispute and she noted it would take 30-60 days to resolve.  XX/XX/XXXX spoke to XXXX she stated there was a resolution for which I never received in the mail which was stated to me and they had to reopen  because they did not see it resolved and again would take 30-60 days. every week since them i keep reminding them the account is under dispute and until the purchases that were not made are resolved the bill would not be paid.  as of today, XX/XX/XXXX the resolution still has not been acheived and they still have not answered the request of where the original purchases came from.  I speak to them still every week.  they stated the week of XX/XX/XXXX a letter of resolution was sent out, but the letter i received was agian just a past due notice with no resolution.  they keep reporting me as past due and keep sending me late payment fees but still have not answered my questions.so i am looking to this  organization to assist in moving this dispute forward and get it resolved.

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 2019-08-20 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: FL

Complaint narrative:
Incorrect information on my transunion 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 2019-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am a victim of the Woolsey Fires in California. After my family and I were forced to relocate, I immediately contacted all my credit card companies to ask for a forbearance  period as my homeowners insurance was giving me trouble by not issuing payments. I have been forced to liquidate my 401K to pay for additional loving expenses and to replace my personal property that was either ruined by the fire or stolen by the fake contractor hired to "help ". I was denied Fema because I had insurance and after being denied a loan from the SBA due to delinquent reporting by 2 credit card companies who swore I would not have to make any payments and would not have negative credit reported.
Needless to say, My once perfect credit is now ruined. I was not able to get an SBA loan because of these banks mis representation of my account status. To make matters worse, I never opened the Wells Fargo credit account, the bank illegally did that for me when I opened a savings back in 2014.

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 2019-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXXPortfolio RecoveryXXXX XXXX XXXX XXXX XXXXXXXX, Va XXXXXX/XX/2019Re: Acct XXXX XXXX XXXX		Dear: Portfolio Recovery   You are hereby notified under provisions of Public law 95-109 and 99-361, also known as the Fair Debt Collection Practice Act, that your services are no longer desired.Please remove me from you files and or computer systems.Cease & desist all attempts to collect the above debt. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and the State of California Attorney General’s Office. I will pursue all criminal and civil claims against you and your company.Let this letter also serve as your warning that I may utilize telephone recordings devices in order to document any telephone conversations that we may have in the future.Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to be by law.Best Regards.XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I applied for a Capital One card, and got approved but they never sent the card to my house. Apparently they sent the card to someone because they claim I owe $XXXX.How I could owe $XXXX when I never received the card in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Touchstone Partners, Inc.
State: FL

Complaint narrative:
A couple of years back I had some misfortunes, and got involved in debts. In XXXX XXXX, I had a phone call from XXXX XXXX from XXXX XXXX XXXX, who assured me they would help me get out of debt fast. For this They would require {$410.00} a month. I agreed and the money started flowing out of my acc. to theirs. In XX/XX/2019, because of the harassment of my debtors, I called them and ask them how long it would take for me to see results. The answer was maybe two years. At this time I told them I couldn't do that and to send me my money back. They agreed and three weeks later I had no news from them and no money. When I called again, I spoke to a Mr. XXXX who assured me I would get my money soon. Two weeks later I received a check for {$540.00}. I sent them a letter stating that this money was 1/4 of what I had paid them for nothing, and to explain how was the money used, I mean they did nothing. To this date I have had no answer to my letter, nor my calls. 
My question to you is, how can you help me stop this people take nave older persons, ( I'm XXXX years old ) for all the money they don't have? Like I have stated I'm still waiting for their response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation