vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-13 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: TX

Complaint narrative:
I have been working with Experian for no less than 5 months to correct inaccuracies in my credit report.. One item they keep including the wrong data. My last dispute for this item was made in early   XX/XX/XXXX  . The account was with  XXXX   XXXX  and the last  XXXX  digits of the account number is  XXXX .  <P/> I finally brokered a conference call between  XXXX   XXXX  and Experian to resolve the issue.  XXXX   XXXX  told Experian they had not reported on this account since  XXXX  even though Experiean was showing late payments in the last 30 days. The account was paid off in  XXXX .  <P/> After the call Experian said they would remove the erroneous information  ( Late  Payments ) from my report. As of today Experian is still showing late payments in the last 30 days.  <P/> I have made at least  5 c alls trying to resolve this issue. Experian transfers me from  one  line to the next or leaves me on hold for long periods of time. I have been able to speak with a couple of different people that said that the file would be corrected. IT HAS NOT BEEN CORRECTED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 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:
A few weeks ago I sent this bureau a request by certified mail to investigate items on my credit report which were highly suspect. As per the FCRA I allowed you 30 days to correct my report. However, your company has failed to take any consequential action and continues to maintain a file on my which is grossly inaccurate. The creditors that I called have not been able to verify me, whereas you dubiously claim to have somehow verified these items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 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:
# XXXX XXXX ... XX/XX/XXXX # XXXX XXXX XXXX ... XX/XX/XXXX # XXXX ... XX/XX/XXXX # XXXX  XXXX ... XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX XXXX ... XX/XX/XXXX # XXXX XXXX ... XX/XX/XXXX# XXXX XXXX ... XX/XX/XXXX # XXXX XXXX XXXX ... XX/XX/XXXX # XXXX XXXX.. XX/XX/XXXX # XXXX XXXX.. XX/XX/XXXX # XXXX.. XX/XX/XXXX # XXXX ... XX/XX/XXXX # XXXX  XXXX ... XX/XX/XXXX # XXXX XXXX ... XX/XX/XXXX # XXXX ... XX/XX/XXXX # XXXX ... XX/XX/XXXX These are inquires that I do n't recognize!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: AZ

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   XXXX  is trying to collect on a debt for a title loan account via   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . I do not recall ever having a title loan through this company and have tried repeatedly to get proof the debt belongs to me by requesting a contract from  XXXX   XXXX  bearing my original signature.  XXXX   XXXX  has been unable or unwilling to provide this information. I have reported to all  XXXX  credit bureaus that  XXXX   XXXX  has been unable to provide this information and the debt still remains on my credit.  XXXX   XXXX  is also reporting false information on the date this account was opened. According to the statement I was sent, it was opened in  XX/XX/XXXX   and  XXXX   XXXX  states it was opened   XX/XX/XXXX  . Per the Fair Credit Reporting Act, changing the date the account is opened/closed is agains t Federal  Regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 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 recently found very questionable items on my credit report which I didnt recognize. After consulting with my legal counsel, I was advised first to notify the credit bureau to get this matter resolved. My first letter included all the list of errors on my report and I was under the impression that a proper investigation would be conducted to resolve the matter. More than 30 days have past and no proper investigation done by the bureau. All I receive is an obvious computer generated generic response letter. I thought after Attorney General XXXX XXXX 's actions last 2015, this credit reporting company would comply to the settlement. According to this link : 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 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: CORELOGIC INC
State: PA

Complaint narrative:
XX/XX/XXXX XXXX XXXX notified me that my credit report had been adversely impacted. In looking closer at my report, the reason for the negative impact is only due to numerous inquires. I reviewed the inquiries and I noticed that my mortgage company, XXXX, had run XXXX separate inquiries last Fall when I refinanced my primary residence. See below : XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry Type : Authorized Permissible Purpose : CREDIT TRANSACTION Requested On : XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry Type : Authorized Permissible Purpose : CREDIT TRANSACTION Requested On : XX/XX/XXXX I reached out to Credco and was informed that they could submit a request of deletion but only under the direction from XXXX. I left a vm with XXXX on XX/XX/XXXX and on XX/XX/XXXX a social media analyst ( contact info below ) called me to obtain some further information. I e-mailed her my complete credit report and the fax number Credco had given to me to provide to XXXX so this could be rectified. XX/XX/XXXX - XXXX called me to inform me that XXXX would not be sending any letter of deletion due to the need to run both hard and soft credit inquiries. I asked for something in writing be sent to my e-mail and she indicated that she could n't grant that request and that it would be a legal issue. I have spoken with XXXX XXXX, as XXXX advised was my next step, and they informed me that all the inquiries are 'hard '. XXXX XXXX also informed me that they could n't delete transactions unless the creditor directed this action. In addition to not authorizing ( not being informed that multiple checks would need to be run and could negatively impact credit ), I feel that any mortgage company that operates under this practice borders on unethical considering a negative credit report can thus tie a consumer to one mortgage company. If there is no regulation on multiple inquiries what is to stop a creditor from damaging a consumer 's credit enough so a consumer can not shop a better rate? <P/>Representative from XXXX : XXXX XXXX Social Media Analyst II, XXXX XXXX XXXX XXXX Office : ( XXXX ) XXXX Fax : ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
I never had an account or ever heard of original creditor : XXXX XXXX XXXX XXXX XXXX? <P/>Received a call on XXXX XXXX on X/XX/2017 ( Ph # XXXX ), with someone named XXXX from Midwest Recovery System, she asked me for my personal information at the beginning of call and since I get similar calls like this that are scams, I did not give her any information and told her do not call me again, she stated that she had all my numbers and will send me a letter ( based on that ) I also sent the company a letter in writing not to contact me thinking that this was just another scam. <P/>The week after I checked my credit report and saw that Midwest Recovery System put in a {$5000.00} negative report? <P/>I never received any letters before my request not to contact me from Midwest and never did business with XXXX XXXX XXXX, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I 've contacted transuion about 3 times in regards to inquires placed on my credit file. I have an active fraud alert on my credit file and i 'm still getting unauthorized inquires placed on my credit reports. I was never called and asked to verify my information XXXX XXXX Inquiry from XXXX / XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX  XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from 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 2017-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I sent this company a letter via certified mail last XX/XX/XXXX, 2017, to request VERIFICATION / VALIDATION of an account they are reporting under my name and I have not received any response from them yet. I clearly stated in my letter that they provide me copies of documents show my CORRECT and ACCURATE personal information, copies of documents showing that they were assigned this alleged debt to be collected to make sure that they have the right to collect this alleged debt, documents showing my signature etc. I got nothing from this company. Even though CFPB had already fined them according to this link : https : //www.consumerfinance.gov/XXXX this company still continues they unlawful ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Firm of Katz and Associates, PLLC
State: MI

Complaint narrative:
I asked this company to send me some information about the bills that is owed and they did n't. They threatened to come to my place of work and told me I better take action because they were going to sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: First Data Corporation
State: MS

Complaint narrative:
On    XX/XX/XXXX  my card was lost &  XXXX  was taken from my lost card by a purchase made at  XXXX . I immediately called MONEY NETWORK to get a new card and to deactivate my old card before future payments be made from my account by a thief. Talked to numerous people to get a understanding of how disputes work and what will be done. On   XX/XX/XXXX   I sent my dispute form out and was told I will be credited for my missing money between  XXXX  business days,  10  business days pass but yet no credit or explanation of the investigation besides no update ; however on  XX/XX/XXXX   I was told by  two  representative that on Wednesday   XX/XX/XXXX   I will have a update & should be credited back to my account from the missing money. I have reach out to numerous representative and talked to the manager  XXXX  yesterday with still the run around I just want my missing money back asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
In the past I have tried to modify my mortgage using paid modification companies. After so many attempts to try to get help from Wells Fargo, I decided to find a HUD counselor who submitted a modification request but Wells is refusing to review the documents because of the sheriff sale.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 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: IL

Complaint narrative:
After many hours of studying the law and research of the protection consumer laws, I have sent several letters to   XXXX   Equifax and   XXXX   regarding fraud on my credit report related to an address in  XXXX , IN.  XXXX   XXXX   XXXX  student loan unverified with no contract or proof, with a letter from the  Office  of  XXXX   XXXX . The account history is not accurate on the credit report, it has statements they say loans are 100 % paid in full and also states I have made 0 % of payments on time, the letter I have is in conflict with the reporting information. I also have  two  fraudulent bankruptcies 1 on  XX/XX/XXXX   and the  XXXX  on   XX/XX/XXXX  . In addition the judgement on the credit report is n't correct and the alleged claim was supposed to be remove, they have not followed through on their agreement. I have not filed any bankruptcies and have given them proof of the fraud. This is an issue that has happened before and I came to the  Consumer Financial Bureau to  get assistance when these agencies are n't following the proper rules laid out by Congress in the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After many hours of studying the law and research of the protection consumer laws, I have sent several letters to  XXXX   XXXX  and Experian regarding fraud on my credit report related to an address in  XXXX , IN. Four  XXXX   XXXX  student loan unverified with no contract or proof, with a letter from the Office of  XXXX   XXXX . The account history is not accurate on the credit report, it has statements they say loans are 100 % paid in full and also states I have made 0 % of payments on time, the letter I have is in conflict with the reporting information. I also have  two  fraudulent bankruptcie s 1  on   XX/XX/XXXX   and the 2nd on   XX/XX/XXXX  . In addition the judgement on the credit report is n't correct and the alleged claim was supposed to be remove, they have not followed through on their agreement. I have not filed any bankruptcies and have given them proof of the fraud. This is an issue that has happened before and I came to th e Consumer Financial Bureau to  get assistance when these agencies are n't following the proper rules laid out by  Congress  in the FCRA and FDCPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
re : Western Union money transfer, XXXX XXXX, 2017, sent from XXXX for XXXX A money transfer was sent to me today as indicated above. When I checked to see if the funds were available on the Western Union web site, it said they were ready for pick up. However, when I went to a bank to claim the funds, I was turned down. When calling Western Union for an explanation, I was told to have the sender call them and was peremptorily stone walled as for any explanation. This is the second incident this has happened with this service. A previous transfer in the amount of {$500.00} was sent to me from XXXX XXXX and I encountered the same refusal to pay the funds. I have no idea what is going on with this company but I am NOT in any way a criminal, drug seller, money launderer, et al, and it strikes me that this outfit is far too overboard in making subjective conclusions based on unsubstantiated " facts ''. This is a complaint I have been hearing from other customers so there seems to be a need for an investigation into how this company is handling its money transfers or have it go back to just sending telegrams!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I previously asked my friend XXXX XXXX to type up & send this complaint for me and the company responded stating that you are not authorized to communicate with third parties without the appropriate authorization. The previous complaint # is XXXX. So here I decided to copy & paste the complaint ....
<P/>
I noticed this account is on my credit report. I filled dispute with the credit bureau, the collection agency verified the debt to the credit bureau, so then I wanted them to verify this to me and the following is what has happened. 1. On XXXX XXXX, 2017 I requested from Portfolio Recovery, signed application & statements for the above referenced account. ( ATTACHED ) 2. On XXXX XXXX, 2017 Portfolio Recovery responded requesting I sent the request for substantiation to XXXX XXXX XXXX XXXX VA XXXX. On XXXX XXXX 2017 I resent the original request from XXXX XXXX, 2017 to XXXX XXXX XXXX XXXX VA XXXX ( ATTACHED ) 3. On XXXX XXXX 2017 I received statements from Portfolio Recovery, however they were sent with out the signed credit application, so I responded back you on XXXX XXXX, 2017 requesting signed application ( ATTACHED ) 4. XXXX XXXX, 2017 I sent another letter advising Portfolio Recovery the address on the statements is an address I have never lived before and requested a fraud packet from them ( ATTACHED ) 5. On XXXX XXXX, 2017 again Portfolio Recovery sent me the same letter sent on XXXX XXXX, 2017 instead of sending me the fraud packet I requested on my previous letter to them on XXXX.XXXX.2017 ( ATTACHED )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I first noticed this account for collection ( Midland Credit Management ) when I checked my XXXX XXXX account. I never applied for credit for whom they are trying to collect for. In which I had a fraud alert on my credit report when I became aware of this claim. I sent this company a letter approximately XX/XX/16, stating that I did not owe this debt and that I would like to see debt validation to support their claim. They only did not comply with my letter, they sent another letter to me on XX/X/16 saying they were uncertain of what I was disputing and did not provide any information of how their investigation was conducted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SECURITY FINANCE CORP
State: FL

Complaint narrative:
A few months ago I was looking a car so I could build my credit I looked on the internet and I found this place in  XXXX  where I have  to drive  to look at the car I wanted to buy they advertise that it would help me with my credit so I took the advantage and I bought the car from there thinking they will report it to their agency but since I have bought it they have not did  one  reported at all to any of the  XXXX  agencies Bureau. I have been paying for going on 6 months straight and they have not been reporting it at all and when it was time for me to pay off my car I call them and I spoke to them about it and they said they will update it as soon as possible they were having problems with a software I gave them weeks and weeks and they have not kept in touch they said they will report and update all the information but they have not done so I called them all the time and all they say is for me to wait I think it 's not fair for anyone to go through this I paid 6 months and also paid off the car and they still have not reported anything this is a scam Bank and they should pay for it now my credit is the same place and Have Not progress since I 'm missing every month I update for 6 months straight and a payoff which shall gave me at least a good  credit score  for me doing a wonderful job. So I traded the car and  XXXX  paid off the balance and because they were n't reported to the credit bureau my  credit score  interest was higher and they required more money down on the trade in, when I first did the deal with the bank I did a trade in and I also put {$4000.00} on top of it and they still ripped me off completely with paperworks, so this was a total loss for me and they are not making anything better to help the situation. I would like my initial down payment back if possible and have them report the correct information.

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