vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-06 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: TX

Complaint narrative:
There is 2 accounts showing delinquent for XXXX XXXX. XXXX XXXX has submitted 4 request to have the accounts removed from my credit report. Equifax REFUSES to remove the accounts as per the documentation attached. XXXX with XXXX responded to XXXX XXXX stating Equifax will not remove the errors due to the info not being of public record. Myself & XXXX XXXX  has supplied the legal documents as proof of our claim Yet their response to my complaint states it has been rectified when in fact, as of this complaint the accounts are still showing delinquent. These errors has resulted in my family being denied credit. We have been attempting to get these errors corrected for more than 2 years. 

In XX/XX/XXXX, Equifax responded to my complaint with the following statement. 

" Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to XXXX. In your complaint, you indicate that there are two debts being incorrectly reported by a data furnisher. You indicated that the accounts were discharged in a Chapter XXXX bankruptcy because you, as a non-filing spouse, are protected At your request to begin an investigation, we contacted the data furnisher on XX/XX/XXXX, to verify the accuracy of the information with which you disagree. The data furnisher responded and they updated the account status, removing the charge off notation. The result summary, confirming the removal of the charge off status, was provided to you on XX/XX/XXXXred in a Chapter XXXX Bankruptcy ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-07 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
These accounts from " Transworld Systems '' showed up on my credit report in XX/XX/XXXX as delinquent although I was never contacted by them in any way. Initially, I thought identity was stolen, but apparently this is an attempt to collect on loans from XX/XX/XXXX that I thought were forgiven due to the fact that I am permanently XXXX and on Social Security XXXX due to severe XXXX XXXX & XXXX. I don't understand why Transworld Systems is now, out of nowhere, reporting that I am delinquent on this debt. Moreover, the information they are giving the credit agencies is very misleading because it is showing that the account was opened XX/XX/XXXX. I never opened an account with them, and for them to report this as late without ever notifying me that I owed anything is very unfair. I've called numerous times but the line is ALWAYS busy. I'm not sure, but this seems like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Received a Voicemail last week that I had been sent a new debit card in late XX/XX/XXXX, and that I needed to activate it before tomorrow. I never received the debit card so I called in to get it resent, and found out for the first time that my original card 's information had been compromised, prompting the change in cards. 

WF 's Customer Service Representative proceeds to explain that they do not let customers know when their information has been compromised, opting instead to just replace the debit card. Essentially, it's on you to call them and see if your information has been compromised. As a result, my debit card information has been compromised as early as XX/XX/XXXX with no notification of that fact from Wells Fargo whatsoever. 

I recorded my call with the 2nd customer service rep at Wells Fargo. Realized early that there wasn't anything I could do, but wanted to get answers as to what WF 's  policy was moving forward. Call is linked here : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Aren't banks required to let you know if they've been made aware of a breach of your information? I just feel like that's absolutely crazy. I pay attention to my account, and all transactions, but I still feel like the bank should have to tell you when your card number is sitting on some bad actor 's hard drive somewhere.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
On or about XX/XX/2017, my husband and I visit XXXX XXXX XXXX in XXXX, Texas to purchase a vehicle. We explained to the sale man, XXXX that we only wanted to have our credit run ONCE due to going through mortgage process. The finance gentleman explained he ran our credit with XXXX XXXX. 

We have since discovered our credit was run FIVE times. Twice with the same company. We have attempted to reach the dealership to discuss but to no avail. Multiple messages have been left with the owner/general manager, XXXX and the Sales Manager, XXXX. Neither of which will respond. 

Multiple inquiries were NOT authorized for this transaction. Our credit was run with XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2x XXXX XXXX XXXX XXXX Further the Finance Manager, XXXX stated the inquiry was only a SOFT inquiry. When infact, all of these inquiries are hard inquiries and effecting our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: SC

Complaint narrative:
Please remove the following inaccurate accounts from my credit report immediately. These accounts does not belong to me XXXX XXXX- account does not belong to me XXXX XXXX- no contract- account does not belong to me XXXX XXXX XXXX XXXX- not contract- account does not belong to me XXXX XXXX- account does not belong to me XXXX- account does not belong to me - no contract

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: SC

Complaint narrative:
Please remove the following inaccurate accounts from my credit report immediately. These accounts does not belong to me XXXX XXXX- account does not belong to me XXXX XXXX- no contract- account does not belong to me XXXX XXXX XXXX XXXX- not contract- account does not belong to me XXXX XXXX- account does not belong to me XXXX- account does not belong to me - no contract

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: SC

Complaint narrative:
This debt is not mine, and it was originally removed from account and placed back onto my account. Please remove this from my credit report immediately. 

XXXX XXXX XXXX- orginally removed from my account and placed back onto my account through a collection

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-07 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: TX

Complaint narrative:
On or about XX/XX/2017, my husband and I visit XXXX XXXX XXXX in XXXX, Texas to purchase a vehicle. We explained to the sale man, XXXX that we only wanted to have our credit run ONCE due to going through mortgage process. The finance gentleman explained he ran our credit with XXXX XXXX. 

We have since discovered our credit was run FIVE times. Twice with the same company. We have attempted to reach the dealership to discuss but to no avail. Multiple messages have been left with the owner/general manager, XXXX and the Sales Manager, XXXX. Neither of which will respond. 

Multiple inquiries were NOT authorized for this transaction. Our credit was run with XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2x XXXX XXXX XXXX XXXX Further the Finance Manager, XXXX stated the inquiry was only a SOFT inquiry. When infact, all of these inquiries are hard inquiries and effecting our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: TX

Complaint narrative:
On or about XX/XX/2017, my husband and I visit XXXX XXXX XXXX in XXXX, Texas to purchase a vehicle. We explained to the sale man, XXXX that we only wanted to have our credit run ONCE due to going through mortgage process. The finance gentleman explained he ran our credit with XXXX XXXX. 

We have since discovered our credit was run FIVE times. Twice with the same company. We have attempted to reach the dealership to discuss but to no avail. Multiple messages have been left with the owner/general manager, XXXX and the Sales Manager, XXXX. Neither of which will respond. 

Multiple inquiries were NOT authorized for this transaction. Our credit was run with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Further the Finance Manager, XXXX stated the inquiry was only a SOFT inquiry. When infact, all of these inquiries are hard inquiries and effecting our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: SC

Complaint narrative:
This debt is not mine, and it was originally removed from account and placed back onto my account. Please remove this from my credit report immediately. 

XXXX XXXX XXXX orginally removed from my account and placed back onto my account through a collection

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: SC

Complaint narrative:
This debt is not mine, and it was originally removed from account and placed back onto my account. Please remove this from my credit report immediately. 

XXXX XXXX XXXX orginally removed from my account and placed back onto my account through a collection

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: SC

Complaint narrative:
XXXX- debt does not belong to me/ no contract- XXXX XXXX.- debt does not belong to me/no contract XXXX XXXX was removed and replaced back on my credit without a notice. The orignal was XXXX XXXX and the account does not belong to me XXXX XXXX XXXX- debt does not belong to me/no contract XXXX XXXX XXXX- debt does not belong to me/no contract XXXX XXXX XXXX XXXX- debt does not belong to me XXXX XXXX XXXX- not my debt/ was removed from equifax and XXXX- 'XXXX  FOLLOW SUIT WITH REMOVE ASAP '

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-07 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: MD

Complaint narrative:
ACCOUNT : XXXX XXXX I have repeatedly advised this account was opened under my name. I have sent police reports, letters, showing this was identity theft. 
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Peak Legal Advocates
State: CA

Complaint narrative:
The company Peak Legal Advocates XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Main Number : ( XXXX ) XXXX I join this Debt Settlement Company XX/XX/2016 Mr. XXXX XXXX XXXX signed me up. I had reservation about this company but Mr. XXXX convinced me that this debt company would be good in helping me with my creditors. To make a long story short Mr. XXXX no longer worked at this debt settlement company and my creditors information was passed on to people that stole my funds that was suppose to payoff my creditors. Please I do not want to explain my complaint through this email so please contact me so that I can submit my documents showing proof how I was defrauded by Peak Legal Advocates. 

Sincerely

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: DC

Complaint narrative:
When I left for the XXXX XXXX in XX/XX/XXXX, the XXXX XXXX submitted paperwork to the Department of Education reflecting my status. At the same time I submitted paperwork to my my loan holder requesting ( for the second time ) to be placed on an income based repayment plan, as well as an application for public service loan forgiveness. Around XX/XX/XXXX I started receiving emails that I was close to defaulting. I reached out to XXXX XXXX several times requesting the status of my several applications. Throughout XX/XX/XXXX I  corresponded with XXXX in an attempt to update them and continue to apply for PSLF and ICBR. Every application I submitted was denied, generally on the ground of not providing enough documentation, even though I sent a certified letter from the XXXX XXXX, as well as evidence of my living stipend as evidence of my income. When I returned to the US in XX/XX/XXXX I was still close to defaulting so I made one large installment and put in a forbearance request. I made contact with XXXX several times throughout XX/XX/XXXX to try and sort out the applications. I was told the XXXX XXXX did not notify the Department of Education about my status, even though this is standard operating procedure for XXXX XXXX. Over the phone I asked for a new application, and for PSLF to be retroactive and take into consideration my over 4 years of volunteering with XXXX XXXX and XXXX, as well as my current status as a XXXX. Multiple customer service representatives ( including XXXX ID # XXXX and XXXX ID # XXXX ) refused to work with me, including hanging up calls, being rude, and refusing to entertain requests for further information. Throughout this exchange XXXX continued to send correspondences to addresses I do not live at, despite emailing them multiple times to update my address, and despite the XXXX XXXX sending the Dept. of Ed information about my status abroad. My requests for address changes were ignored and receipts of my applications, and their rejections, as well as my proximity to default were all sent to Maryland, even though I lived in XXXX and my former landlord kept sending the letter back with a label saying my forwarding address was XXXX XXXX. At present, I still do not have PSLF nor am I on a ICBR Plan, despite having served as a volunteer at currently at a 501 ( c ) ( 3 ) for almost 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: SC

Complaint narrative:
XXXX- debt does not belong to me/ no contract- XXXX XXXX.- debt does not belong to me/no contract XXXX XXXX- was removed and replaced back on my credit without a notice. The orignal was XXXX XXXX and the account does not belong to me XXXX XXXX XXXX- debt does not belong to me/no contract XXXX XXXX XXXX- debt does not belong to me/no contract XXXX XXXX XXXX XXXX- debt does not belong to me XXXX XXXX XXXX- not my debt/ was removed from XXXX  and transunion- 'XXXX   FOLLOW SUIT WITH REMOVE 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 2018-05-07 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: SC

Complaint narrative:
XXXX- debt does not belong to me/ no contract- XXXX XXXX.- debt does not belong to me/no contract XXXX XXXX- was removed and replaced back on my credit without a notice. The orignal was XXXX XXXX and the account does not belong to me XXXX XXXX XXXX- debt does not belong to me/no contract XXXX XXXX XXXX- debt does not belong to me/no contract XXXX   XXXX XXXX XXXX- debt does not belong to me XXXX XXXX XXXX- not my debt/ was removed from XXXX and XXXX- 'EXPERIAN FOLLOW SUIT WITH REMOVE 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 2018-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: MI

Complaint narrative:
Americollect has not reached out to me about this account I checked my credit report and it was on there this is not my account. I have no knowledge what server of this collection account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
My son XXXX wanted to pay off my car since he was XXXX in XX/XX/2017, helping the survivor victims in Puerto Rico. I have continuously received poor customer service from Citizens One employees over the phone and in person at the branch. My account number is XXXX, I have been given the wrong pay off balance since XXXX, I have gone into the branch and they have refused to accept the check my son sent me to pay off the car. In an attempt to finalize the car payment he went online and paid off the majority of the balance leaving a small balance of less than XXXX XXXX dollars. I went into the branch and was told that since the car was paid in full that they will stop taking the monthly payment funds out of my checking account. I was advised to mail in a check of the sixty something dollars to the pay off department. I did that and the bank went ahead and withdrew the full monthly car payment amount after the car was paid in full and cash in the XXXX XXXX dollar check that was suppose to be the final pay off. I disputed with my bank the unauthorized car payment deduction and now Citizens One bank refuses to send me my car tittle, they have sent me numerous letters one stating that my car was paid, then another one saying that they are sending me to collections and a third one stating that I have to pay for a replacement tittle for the car when they have never sent me the original tittle in the first place. I am a senior citizens and do not understand all this confusion, no one in the branch is willing to help me and over the phone I continuously get wrong information, pending balances and rude service. It is the banks responsibility to issue a tittle once the car is paid off, I have gone to the Motor Vehicle Department and was advised that the bank is issuing a lost tittle claim so I in return would have to pay XXXX XXXX dollars for a replacement tittle.This has been the worst experience of my life trying to get a straight answer to a pay off quote, if my car is indeed paid in full and to try and get my tittle to the car my son paid off for me so I wont have that bill.

Company response to consumer: Closed with explanation