vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I reported fraud charges while pending and the bank navy federal credit until let the charges go through. I then filed a dispute and they deemed the charges valid and I have not been refunded. Im not sure why the charges were cleared and now not refunded. 

XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-30 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: CO

Complaint narrative:
I have requested that Equifax, XXXX and XXXX either verify or remove all reference to debts reported by XXXX XXXX XXXX. None of these three credit reporting bureaus have been able to show me proof that I owe this collection agency any thing at all, but still report this debt as mine. I have sent each of them four individual letters between XXXX, XXXX and XXXX, XXXX demanding that they show me proof of their verification, but they have not done so and continue to report debts that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 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 contacted XXXX, XXXX, and Transunion on multiple occasions regarding identity theft fraud, which included numerous inquires that do not belong to me. Just recently I was notified that I have over 6 inquires on XXXX, 9 on XXXX  and 8 on TransUnion. Despite the fraud alerts, FTC complaints and proof of fraud, I am still getting inquires and numerous other inaccurate reporting which includes addresses, misspelled names and wrongful employers. I literally have worked for XXXX XXXX XXXX XXXX for 9 years, but they have me listed as retired. I need all of this fixed quickly.

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 2019-06-30 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:
I contacted XXXX, Equifax, and XXXX on multiple occasions regarding identity theft fraud, which included numerous inquires that do not belong to me. Just recently I was notified that I have over 6 inquires on XXXX, 9 on Equifax and 8 on XXXX. Despite the fraud alerts, FTC complaints and proof of fraud, I am still getting inquires and numerous other inaccurate reporting which includes addresses, misspelled names and wrongful employers. I literally have worked for XXXX XXXX XXXX XXXX for 9 years, but they have me listed as retired. I need all of this fixed quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 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: NV

Complaint narrative:
I have contacted XXXX  XXXX regarding a credit inquiry on my equifax credit report. XXXX XXXX could not find this inquiry in there files and stated for me to dispute with the credit bureau. I disputed with the credit bureau and it keeps coming back as verified. XXXX XXXX stated they do not have a credit inquiry in there file for XX/XX/2019 for me. I want the inquiry removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
Pulled credit report on XX/XX/2019 and noticed item on report Mailed letter to company about item on report.

Company signed for certified letter.

No response was received from company.

Sent second letter to company for verification of item on report.

Company signed for certified letter.

No response was received from company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 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: UT

Complaint narrative:
Experian allowed previously deleted accounts to be improperly re-inserted back on to my consumer report. 

On XX/XX/2019, I discovered XXXX XXXX Account Accounts both XXXX had been re-inserted into my credit file. You are required to notify me within five days of re-inserting a previously deleted item. I did not receive any such notification. Please delete these items immediately.

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 2019-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent a dispute letter to Experian listing all the personal information errors on my credit report that I would like them to delete. 

They did not investigate anything ... all they did was to send me a copy of an updated copy of my credit report " WITHOUT ANY OF THE DISPUTED INFORMATION DELETED ''. 
It's obvious that no one at Experian even looked at my letter ... I feel that this goes against the Fair Credit Reporting Act. 

There are several personal items on my credit report that are not mine ... such as variations to my real name ... several addresses that are not mine ... wrong employment information ... ... wrong telephone numbers ... THE WRONG NAME OF MY SPOUSE ( My wife 's name is XXXX, not XXXX ) ... and they even list my home address as some kind of engineering business

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 2019-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Agency of Credit Control
State: CO

Complaint narrative:
In XXXX, I filed a complaint against the Agency of Credit Control for reporting a debt I do not owe, allegedly from XXXX or XXXX or something from " XXXX  XXXX  XXXX  ''. I had no knowledge of this, filed a complaint over failure to receive a dunning letter, and failure to validate this debt which I do NOT owe. My first complaint was when the agency tried to violate my rights by saying they didn't need to send me anything. They later, after I filed complaint, sent me a letter acknowledging that I did NOT owe the debt and that they would remove it from my credit report. Great. But when I went to buy a car today with my husband ( a few months after they said they would remove ), I still see the debt on my credit report. This agency will now, over false derogatory information, be costing me more money in my car loan than what they claim I owe them. I have no other derogatory information on my credit report and this agency has proven themselves to be unethical in continuously reporting false information. This has gone beyond a simple matter of principle and I will escalate this issue until a satisfactory resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
Pulled credit report on XX/XX/2019 Found item on report and disputed Sent letter to company Company signed for certified letter No response from company Sent second letter to company Company signed for certified letter Pulled credit report on XX/XX/2019 and item remains on credit report Company does not respond to letters sent

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
On XX/XX/2019 I had received a notice from American Express that they lowered my credit line from {$15000.00} to {$11000.00} with no explanation. I contacted the company several times and spoke with several people to try and get this resolved. The decrease left roughly {$100.00} of available credit and bring my utilization from roughly 75 % to 99 % this had significantly impacted my credit score by reporting a maxed out line. On top of that on XX/XX/19 they processed an interest charge on the account that resulted in a credit hit showing that I charged over the balance when I did not. I have spoke with an attorney and will be pursuing a class action lawsuit against the company if this does not get fixed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX I called Nelnet and was told I needed to send in documentation for an Income Driven Repayment plan. I had done this in XXXX and was told everything was received. I agreed to send it in again. After sending my docs a few days later I called Nelnet on XX/XX/XXXX. I asked if my documents had been received. I was told yes, my Income Driven Plan was completed and my next payment would be {$0.00}. I also logged into the site a fee days later and it said next payment due XX/XX/XXXX {$0.00}. On XX/XX/XXXX I received an e-mail stating that documentation was needed to reflect my gross pay in order to complete my IBR application. I had already sent this in and been told it was received and completed. I called back on XX/XX/XXXX asking about this and was told docs had not been received and on XX/XX/XXXX I had a payment due of {$270.00}. I explained what I was told on XX/XX/XXXX the rep was rude said it didn't matter the docs they needed weren't there and there wasn't enough time to send it in. I escalated to a supervisor and asked to have the last2 calls pulled. They said they will coach the rep. I re sent the docs in but I don't trust these people. Compliance was broken wrong info was given that can result in a negative impact to my credit report. The call center gives wrong info constantly and they are supposed to help us. I advised them I was making a complaint and they gave me this site.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 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: CO

Complaint narrative:
I have requested that XXXX, XXXX and Transunion either verify or remove all reference to debts reported by XXXX XXXX XXXX. None of these three credit reporting bureaus have been able to show me proof that I owe this collection agency any thing at all, but still report this debt as mine. I have sent each of them four individual letters between XX/XX/XXXX and XX/XX/XXXX demanding that they show me proof of their verification, but they have not done so and continue to report debts that are not mine.

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 2019-06-30 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: CO

Complaint narrative:
I have requested that XXXX, Experian and XXXX either verify or remove all reference to debts reported by XXXX XXXX XXXX. None of these three credit reporting bureaus have been able to show me proof that I owe this collection agency any thing at all, but still report this debt as mine. I have sent each of them four individual letters between XXXX, XXXX and XXXX, XXXX demanding that they show me proof of their verification, but they have not done so and continue to report debts that are not mine.

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 2019-06-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX has filed the same debt in intervals of 6 months ranging the debt with different collections agencies. I tried to settled with them previously, however they never returned my calls or attempted to resolve the issue. I sent the equipment back to them. 
XX/XX/XXXX Diversifed Consultants had the debt Then XX/XX/XXXX, XXXX XXXX had the debt. The debt as of today 's date XX/XX/XXXX has been removed, again, with the expectation to reappear XX/XX/XXXX, with a new collection agency. 
I believe this to be evidence of re-againg a debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I am a single father trying to purchase a home for my family, I was denied because of negative items on my credit. I was able to see my credit and there is an fraudulent item that on my credit that i did not authorize.

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 2019-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Misspelled middle name, my middle name is XXXX, not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 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: NC

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
In XXXX, my wife and I were experiencing financial difficulties and found ourselves behind on our mortgage by nearly {$4500.00} ( 5 payments of nearly {$900.00} ). We contacted our mortgage company ( Wells Fargo Home Mortgage ), and were assigned one of their " home preservation specialists. '' Incidentally, we were in Year 10 of a 30-year mortgage, with a balance of {$82000.00} with a 6.25 % Fixed Rate mortgage.

During the conversations with this " home preservation specialist, '' he informed us he could introduce us to a loan modification of our mortgage to prevent foreclosure, but we had 3 days to sign and return the documents. He sent us a package of documents we did sign, but the loan modification included the same mortgage rate of 6.25 %, the payment lowered to {$750.00}, but the loan maturity date changed to XXXX ( from the original loan maturity date of XXXX ). This modification added an additional 240 payments of $ XXXX for a total of an additional {$180000.00} over the new life of the loan. We were given 3 days to sign and return these forms back to Wells Fargo. 
In Q1 or Q2 XXXX, Wells Fargo sold our mortgage to another company ( XXXX XXXX ). In early XXXX, XXXX XXXX sold the mortgage to another company ( 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 2019-06-30 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: TX

Complaint narrative:
I paid off my XXXX Mortgage Account XXXX. XXXX in XX/XX/2018. XXXX is still reporting that I owe money on this account to Equifax. By incorrectly reporting this amount to Equifax, XXXX is driving down my credit score with Equifax. Could CPFB please get XXXX to correct this? Thank you for your assistance with this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-30 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: FL

Complaint narrative:
Please be advised this is my SECOND REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX  ACCT # XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX   XXXX ACT # XXXX XXXX XXXX XXXX ACCT # XXXX I demand the following accounts be verified or removed immediately.

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 2019-06-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX XXXX XXXX  Mattress from Sears on XX/XX/XXXX. The mattresses scheduled delivery was rescheduled several times by Sears. As I can not pay for an item I did not receive I called Sears Mastercard to inform them I had not received the mattress. They agreed I could pay for the mattress when I got the mattress. I finally received a damaged mattress on XX/XX/XXXX at XXXX XXXX. Since the mattress was damaged, I called within an hour to return the mattress. They convinced me to wait for a replacement mattress. Following several delays by Sears once again, the damaged mattress was picked up on XX/XX/XXXX at XXXX XXXX. Even after I returned the mattress I received several more harassing phone calls demanding payment. I finally received a letter from Sears Mastercard dated XX/XX/XXXX that I did not owe them anything. When I checked my credit report in XX/XX/XXXX I learned that for the month of XX/XX/XXXX and XX/XX/XXXX they had reported me as missing payments. This is incorrect as I never missed any payment.

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 2019-06-30 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: FL

Complaint narrative:
Please be advised this is my SECOND REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX ACCT # XXXX XXXX XXXX   XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX  XXXX ACT #  XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX I demand the following accounts be verified or removed immediately.

Company response to consumer: Closed with non-monetary relief