vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-06 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: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: STERLING JEWELERS, INC.
State: CA

Complaint narrative:
XXXX XXXX from XXXX XXXX threatened to have law enforcement come to my house because I said I could not pay my debt at this time. She also called an old acquaintance and told her she was a debt collector looking for me. I do not know how they got her information in the first place since she has nothing to do with me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-11-06 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: ID

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft, please remove XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX ) XXXX and XXXX XXXX ( Original Creditor : 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 2018-11-06 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: ID

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft, please remove XXXX  XXXX ( Original Creditor : XXXX  ) XXXX, and XXXX XXXX XXXX Original Creditor : 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 2018-11-06 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: ID

Complaint narrative:
have disputed the late payments on XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX account for months with no result. Not only that, Equifax also refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 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: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I have disputed the late payments on XXXX XXXX XXXX  XXXX account for months with no result. Not only that, Experian and XXXX  also refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this 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 2018-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
I have disputed the late payments on XXXX XXXX XXXX XXXX account for months with no result. Not only that, XXXX and Transunion also refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this 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 2018-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I received calls after calls in the last 30days : and today I received two Threatening letters from " radius '' Radius Global Solution LLC Formerly XXXX XXXX XXXX on an account that has been Resolved Through total deniability and 10 years of continued Disputes with all three Credit bureaus and 5 Collection companies and their attorneys and the alleged Creditor XXXX XXXX on an alleged account that was open back in XX/XX/XXXX/XX/XX/XXXX by my employer at the time and all bills paid by them and account was closed by them- I never open an account with XXXX XXXX myself. these fraudulent collection companies have been Breaking Fed-fair credit reporting laws on this Fraudulent account and attacking me financially through credit reporting and harassing phone calls and mailers- This account was sold to this Collection company Radius Global Solution LLC By XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX- as this have been order to not to contact me Every again : This is how fraudulent this account is the they say the Original Account # is XXXX and Radius Global Solution LLC Ref # XXXX I will be also be referring this to the FBI and the XXXX  XXXX from every state that I have recv-called from and Mail-

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 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: MIDCOUNTRY FINANCIAL CORP
State: ME

Complaint narrative:
In XX/XX/2018 I took out a debt consolidation loan from XXXX XXXX XXXX XXXX. I supplied them with my credit report to pay my rent off. A check was sent to XXXX XXXX in XX/XX/2018 and deposited by them according to my banks records. However they failed yo update all 3 bureaus, and refuse to work with me on fixing it. I have proof of the check and deposit from my bank. I need this off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 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: ME

Complaint narrative:
In XX/XX/2018 I took out a debt consolidation loan from XXXX XXXX XXXX XXXX. I supplied them with my credit report to pay my rent off. A check was sent to XXXX XXXX in XX/XX/2018 and deposited by them according to my banks records. However they failed yo update all 3 bureaus, and refuse to work with me on fixing it. I have proof of the check and deposit from my bank. I need this off my credit.

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 2018-11-06 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: ME

Complaint narrative:
In XX/XX/2018 I took out a debt consolidation loan from XXXX XXXX XXXX XXXX. I supplied them with my credit report to pay my rent off. A check was sent to XXXX XXXX in XX/XX/2018 and deposited by them according to my banks records. However they failed yo update all 3 bureaus, and refuse to work with me on fixing it. I have proof of the check and deposit from my bank. I need this off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 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: ME

Complaint narrative:
In XX/XX/2018 I took out a debt consolidation loan from XXXX XXXX XXXX XXXX. I supplied them with my credit report to pay my rent off. A check was sent to XXXX XXXX in XX/XX/2018 and deposited by them according to my banks records. However they failed yo update all 3 bureaus, and refuse to work with me on fixing it. I have proof of the check and deposit from my bank. I need this off my credit.

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 2018-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to AMCOL which was received on XX/XX/XXXX at XXXX. The letter an affidavit was sent requesting proof of contract or applications obligating me to this debt this company claims I owe since I never recall establishing an account with the creditor in question. AMCOL Systems also has failed to provide and Health and Portability Act release form or ( HIPPA ) pertaining to this matter AMCOL Systems has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of AMCOL Systems. AMCOL Systems is in violation of the fair debt collection practice by continuing to  report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to XXXX XXXX XXXX which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or applications obligating me to this debt this company claims I owe since I never recall establishing an account with the creditor in question. XXXX XXXX XXXX has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of XXXX XXXX XXXX. XXXX XXXX XXXX is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Just checked again today trans union still has not taking off the 2-3 inquiries off my credit report. I did put on a credit freeze and fraud alert on my report they did not block these fraud inquiries at all! XXXX and XXXX did. One online account from trans union is reporting 3 inquiries. This website I can see the companies for the inquiries also when I make a disbut online my inquiries cant be added the the list. Just can edit personal information as in address and phone numbers.

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 2018-11-06 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: VA

Complaint narrative:
I have tried to get in contact with XXXX  multiple times to stop sending me their magazines and then I find out they put a hard inquiry on my credit report as of XX/XX/2018 when I dont want anything to do with them at all. They need to remove the inquiry from my credit report and stop soliciting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The credit bureaus keep reporting incorrect data on my credit reports. they are reporting addresses that are fraudulent.

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 2018-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Steps I took : 1. Apply for Incentivized ( 0 % Interest for 18 months on a Balance Transfer ) Credit Card 2. Request $ XXXX Balance Transfer from existing, non-Wells Fargo Credit Card Steps Wells Fargo took : 1. Approved my application 2.  Transferred XXXX to Incentivized Credit Card ( Plus Transfer Fee ). **The new Credit Card has a max credit line of XXXX 3.  Transferred XXXX to existing WF Credit Card ( Plus Transfer Fee ) without my acknowledgement, request. 
4. Did not notify me of any decision that relates to # 2 or # 3 More steps I took after seeing a new balance on my old card : 1.  XX/XX/XXXX : I called Wells Fargo Customer Service ( Spoke with XXXX ) XX/XX/XXXX : Spoke with Wells Fargo Credit Card Executive Office ( XXXX assigned as Case Manager ). 
I requested the balance incorrectly transferred to my existing card ( XXXX ) be moved to my new card. 
XXXX refused this request, but stated they would instead waive the Balance Transfer Fee. 
I explained that this was not what I wanted. I restated my request to have the Incorrectly Transferred Balance moved to my new Credit Card and have the existing Credit Card Cancelled. 
XXXX again refused to rectify the Incorrectly Transferred Balance and instead processed a Lost/Stolen Card Request on the Credit Card I asked to have Cancelled. 
XXXX assured me of a 4-5 business day resolution/callback to this issue XX/XX/XXXX ( Today ) : Being assured a 4-5 business day resolution/callback and not receiving one ( now 10th business  days ), I contacted the Credit Card Executive Office and spoke with XXXX XXXX ( sp? ). XXXX mentioned that XXXX was out of the office today ( XX/XX/XXXX ), but provided me with notes and no suitable resolution to my case. Basically the same story XXXX provided 10 days prior ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Roycroft Management
State: NY

Complaint narrative:
I was contacted by XXXX XXXX XXXX on Thursday XX/XX/2018 a very detailed voicemail was left. The lady stated that she was calling from XXXX XXXX XXXX Economic Crimes Department, in her message she said her name was XXXX XXXX, XXXX ( I'm not really sure she was really hard to understand ) she said she was contacting me regarding a criminal complaint that has been filed against me in regards to stolen property, this complaint goes against my name and social. She said that it is imperative that I call her immediately at ( XXXX ) XXXX. She said that I have been legally notified in accordance with all federal and state laws and to govern myself accordingly. 

Immediately contacted this representative back, I let her know that prior to her contacting me I was working with another representative XXXX who was taking {$150.00} payments from my checking account every month and those payments have since stopped. I let XXXX know that I tried to contact XXXX after the payments stopped but the number was no longer in service. XXXX rudely interrupted me she let me know that I was in possession of stolen property and That I need to pay the total amount owed or this will go to court. I tried to explain to XXXX again that I have been trying to make good on what I owed but the other agency disappeared. XXXX repeated herself again stating I was in possession of stolen property and that I needed to pay this debt in full and that she is in the mediation department she is not a collector. Since I was at work I asked her to hold while I go to my car to speak to her privately. When I got into my car my phone automatically connected to the Bluetooth in my car. I let XXXX know that I can't pay the full balance that I can only make partial monthly payments on what I owe every month. XXXX then got extremely stern with me she told me that she did not understand why I was recording the call that it was " annoying '' she said that the debt had to paid in full she told me to get a lawyer and hung up the phone on me .... Meanwhile the call was not being recorded it was just connected to my Bluetooth in my car. 

I was in shock, I could not believe how she spoke to me. So I immediately called back the phone went straight to voicemail, I left a very detailed message sating that I don't understand why I was hung up on when I'm trying to pay what I owe in payments as appose to full payments. I never got a call back from the voicemail I left. Two days later I called and a lady answered I asked to speak with XXXX 's supervisor because I did not agree with the way the Mediation rep handled our conversation, she then placed me on hold for 2 minutes and my call was forwarded to a voicemail.

Company response to consumer: Untimely response
Consumer complaint received 2018-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I applied for the capital one Savor card and was denied. I have do not have any derogatory accounts with Capital one and have actually had a Capital one XXXX XXXX credit card for a few years now in perfect standing My credit score is around 760. 

Additionally when I call the capital one contact person on the letter they sent me i leave a messsge and they wont call me back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-06 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: Nelnet, Inc.
State: MD

Complaint narrative:
I spoke to Nelnet on XX/XX/XXXX regarding the number of payments I've made, the total of the payments I've made, and how I still owe over half the balance I started with 6 years later. The loan started out at {$6100.00}. I've made steady payments since XX/XX/XXXX, at 8.25 % interest, yet I still owe {$3400.00}. I see that I was put on some kind of payment plan in XX/XX/XXXX that I have no paperwork on, nor did I agree to. It started a 52 payment term, and I have no idea why. The customer service rep 's response to my questions was " interest is charged daily. '' That interest amounts to about $ XXXX/day. That would equal in the neighborhood of {$1600.00} paid in interest over the past six years. However, their webiste says I have paid {$3300.00} in interest and {$4500.00} on principal. In addition, the Master Promissory Note is not available online in the documents section, nor is any proof that I agreed to a revamp of my payment schedule in XX/XX/XXXX.

Company response to consumer: Closed with explanation