vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-05 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: IL

Complaint narrative:
This Is A Fraudulent Account ... That Was Once Removed & Was Placed Back Onto My Credit Report For Some Reason ... if you check with the CRA 's It's Documented Me Calling In As I Realized It, Did The Freezing Of My Reports The Works ... 

Some Accounts was open in my name at another address on XX/XX/19 It went delinquent & was charged off for the amount of $ XXXX Tanking my Score During My First Home Buying Process XXXX XXXX XXXX Is The Data Furnisher Who Placed This Back On My Reports With The Help Of All 3 Credit Reporting Agencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I received a phone call this morning from Transworld Systems Inc, attempting to collect on debts that the statute of limitations ran out on back in XXXX. I was sued on multiple occasions in XXXX, and each case was dismissed without prejudice, because TSI did not have the proper documentation. The guy on the phone told me they now have the proper documentation and can re-file a suit unless I can figure out a resolution. He outright lied to me and illegally tried to get me to make a payment or enter a payment plan, via bullying tactics. The number he called from is XXXX. When a lawsuit is filed, it does not toll the statute of limitations. And the fact that the lawsuits were dismissed without prejudice did not extend the statute of limitations ; they continued to run.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: PA

Complaint narrative:
After reviewing my credit report I noticed several fraudulent accounts. I've tried to resolve this matter with the credit bureaus several times before but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
After reviewing my credit report I noticed several fraudulent accounts. I've tried to resolve this matter with the credit bureaus several times before but to no avail.

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 2019-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dyck-O'Neal, Inc.
State: TX

Complaint narrative:
I recently checked my credit report on XX/XX/2019, I seen an account that I don't recognize so I called the company Dyck Oneal Inc and gave them my first and last name. The agent on the phone told me she don't see any accounts with my name. I began to explain to her that Dyck O'Neal is showing up on my credit report. I demand that this company remove any and all accounts reporting to the credit bureaus ( i.e XXXX, XXXX, XXXX ). This company is in volition of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: CA

Complaint narrative:
I have disputed the student loan account with Equifax for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this.. XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
CONVERGENT OUTSOURCING Is contacting family members and telling them I have a warrant for my arrest

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 2019-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Alliant Capital Management LLC
State: OR

Complaint narrative:
I was contacted from this company Alliant IG Because I had a debt of road for a apartment complex Lived in. XX/XX/XXXX I payed them XXXX because they said if I did t pay by the XXXX They would send my debt to my credit score. I told him that is the best I could do at this time and they would have to wait until I can do more down the road since then they have continued to contact my place of employment and would just hang up but when you call the phone number back it goes right back to them we asked him to stop contacting us but they continue to contact us. They are contacting me and my fianc

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: OH

Complaint narrative:
Transunion has not fixed problem on reporting of my credit. They are always inaccurate in reporting scores. They constantly drop my scores over 50 points or more and are slow responding. My salary isnt even reported correctly. I constantly get locked out of 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 2019-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
This company is reporting a medical debt on a date that is over two years later than the actual date of service. This will cause the debt to remain on a credit report longer than it should. 

Also, this debt is disputed and I wish to sue the reporter, but the credit agency refuses to give me the medical practitioners contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: CA

Complaint narrative:
I have disputed the student loan account with Transunion for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this.. XXXX XXXX and 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 2019-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Someone filed a change of address online for my credit card account. I received a confirmation letter in the mail for an address change a I never made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : BANK OF AMERICA, ACCOUNT NAME : XXXX, DATE : XX/XX/2014, BALANCE : XXXX, REPORTING ON : 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 2019-08-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX, XXXX XXXX  XXXX and XXXX XXXX ( Original Creditor : 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 non-monetary relief
Consumer complaint received 2019-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
please remove the following fraudulent inquiries off my credit report XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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 2019-08-05 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: DISCOVER BANK
State: TX

Complaint narrative:
discover XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX and XXXX did their investigation sent po dept to the creditors and ftc violations but the above references company will not quit calling me asking for a debt that is not owed which is a Violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: U.S. BANCORP
State: AZ

Complaint narrative:
We have a credit card that we don't normally use so we don't normally check it once my wife checked in with noticed a charge from a company in XXXX XXXX XXXX XXXX  XXXX SHE FOR {$110.00} contacted card member services they returned the credit but then reversed the credit saying that it had been too long after the charge occurred for reporting it gave us a case agent XXXX XXXX we tried to contact XXXX XXXX his voicemail was always full he would never return a message and then he denied our claim simply saying it has been too long since the original charge we had our lawyer write a letter and explain the circumstances to XXXX XXXX and asking him what the parameters were and the rules and he would not give any explanation other than it had been too long to file a claim so we took the advice of our lawyer and contacted this service The credit card is issued by US Bank Representative XXXX XXXX U.s. Bank cardmember services XXXX XXXX XXXX Case number # XXXX The charges occurred on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX  Provisional credit was issued XXXX XXXX XXXX XXXX XXXX has to have someone above him

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 2019-08-05 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with  my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CHS, Inc.
State: VA

Complaint narrative:
Receive a letter on XX/XX/19 from SCA credit services of XXXX case number XXXX. 

Called today at XXXX to explain that I never received a bill from XXXX. 
She said that they typically send out three notices. But that she did not have proof of the dep and that is was not her job to provide proof of the dept.

I requested the original bill or proof of a bill, She said she would mark the account as client refused to pay. She told me to contact the post office.

I told her I would pay as soon as I could review the original bill and proof of the dept, She refused to take this note and would not provide proof of the dept.

She hung up on the call after refusing to provide proof or to take a note for the record that the bill was never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: TX

Complaint narrative:
Was denied credit two times. Went online and ordered credit report. Did not get report. Went online and opened acct to view. The information that Experian had was all old info and all was closed XXXX. I have numerous accounts open now including mortgage, vehicle pmt, tractor pmt, several credit cards. Nothing current shows on my report. Tried to contact Experian several times.Most current today, XX/XX/XXXX. Recordings are not conducive to getting things done.Tried dispute section online.Did not present relevant choices. My spouses credit report is fairly accurate.I would like to talk with a person at Experian but seems impossible!

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 2019-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
In late XXXX I looked into a Home Equity Line of Credit, I spoke with a representative from three different companies, one being my mortgage lender, and all three said my home valued around {$160000.00} from their research, no appraisal conducted, just that I was able to take a HELOC. I ended up going with one that did not own my mortgage loan. 

Now, in XXXX of XXXX I decided to consolidate the mortgage and HELOC, appraisal came in with {$170000.00} value. When I stressed I didn't want to pay mortgage insurance anymore, my XXXX XXXX Loans rep said you shouldn't have been because your house is worth a lot more than your debt. After digging a bit, it seems when I was looking into a HELOC, I should have requested Wells Fargo to drop my mortgage insurance, and from what I saw once it hit the 78 % mark, they should have dropped it but didn't, to make matters worse, after my refinance closed they hit me with two more months of mortgage insurance, so now in my eyes, they hit me with around {$800.00} of mortgage insurance on a home worth XXXX, when only XXXX was on their loan, so I brought it to their attention. 

After a few messages to their secured site, I requested a review and to have them e-mail me, they insisted on calling, refusing to e-mail or even use their secured center which I found shady in and of itself. After having no luck in calling or receiving calls from their executive rep XXXX, I sent another message and got a call from another rep named XXXX, I was able to take this call and explained everything to her. 

She got back to me today with the reasoning of " mortgage insurance runs off the original value, not current '', but online said there was an option of requesting them to relook, and use their appraiser ( at my cost ) to see if they can change it. Beyond that, the double charge after payment was because " those were the 2 remaining months left still owed ''. So, mortgage insurance is supposed to be there so they don't get ripped off, they take sacrifice making the loan, but after dealing with them for a few years, never being late on a payment, they are going to pull this? Charged for mortgage insurance, even after mortgage was closed. 

While I feel I was ripped off of a few hundred dollars, I know I am not going to get back, I want this reported so others can learn from it. Wells Fargo is shady, their policy for mortgage insurance is a scam in my eyes and just a way for them to make extra money off people that can barely afford it.

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 2019-08-05 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: CA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX and 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 2019-08-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Avant Credit Corporation
State: NC

Complaint narrative:
I received an email about my loan application with Avant. I advised them I did not request a loan and they send me to their fraud department advising me to take all sorts of legal actions to prevent any unauthorized access, including a police report. I refused to do this action since it was a failure on their part to identify a fraudulent application. Their failure to properly identify and cancel the loan request has put me in risk for identity theft. I continue to receive emails to complete my loan application even after I alerted them to this activity. I am asking CFPB to look into this matter as well as the loan application process from Avant as they do no that the customer in mind and are only looking to process this loan request to boost their own bottom line.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Its on my credit account is doesn't belong to me report number JPMCB AUTO ACC #  XXXX reporting incorrectly this account is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: CA

Complaint narrative:
The following companies ran unauthorized credit inquiry on my credit report. Please remove the following inquiries as these are suspicious to me : XXXX and XXXX

Company response to consumer: Closed with explanation