vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-26 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: EQUIFAX, INC.
State: CO

Complaint narrative:
XXXX is once again doing illegal things. I have sent them two certified letters with DL, social security card and two utility bills and i have requested that they remove an illegal security freeze that they fraudulently put on my credit report and they are refusing to remove it. I did not request it be put on these guys just did it to hurt me and to get me denied credit. also Equifax and XXXX are also doing the same thing. Putting illegal security freeezes in my file and not reporting removing it. These jerks are just playing with my credit file and they need to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I have no idea who National Credit Systems is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. National Credit Systems is indicating that an account with the account number XXXX was opened with their company in XX/XX/2014. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

National Credit Systems has not provided requested information. I contacted National Credit Systems via certified mail RR XXXX XXXX XXXX XXXX XXXX and they did not respond. 
When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized National Credit Systems as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ National Credit Systems } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to National Credit Systems, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Related cfpb Case # XXXX Office of Controller of Currency Case XXXX Wells Fargo latest response dated XX/XX/XXXX, clearly shows their error yet they don't notice they made said error. 

1 ) Exhibit 1 : Letter XXXX : Page 1 last paragraph, 2nd to last last sentence clearly defines Wells Faro error : " We confirmed all documents match for vesting as indicated on the Uniform Residential Loan Application that was completed '' 2 ) Exhibit 2 : Uniform Residential Loan Application : Top Section 2nd to last line : Left Box : Title will be held in what Name ( s ) : XXXX XXXX and XXXX XXXX Next box : Manner in which Title will be held : Joint Tenancy XXXX XXXX signed said Document XX/XX/XXXX XXXX XXXX signed on XX/XX/XXXX XXXX ) Exhibit 3 Original Vesting was Joint Tenancy per Reconveyance. 

Problem : Wells Fargo put vesting of Title ( Grant Deed ) as Tenant in Common Wells Fargo changed Tenancy and after Parents died XX/XX/XXXX I discovered said error so I a XXXX personI no longer owned my home. ( Documents were sent to Wells Fargo not me ) See PDF called : Granted What should be in Grant Deed they say they don't create yet they caused the issue to change it to Tenancy in Common v Joint Tenancy as Wells Fargo previously citified on Exhibit 3, yet was in Uniform Residential Agreement.

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 2019-09-26 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: PA

Complaint narrative:
The account XXXX DEPT ED ACCOUNT NUMBER XXXX is reporting inaccurate Balance owed, Dispute Status, last Payment, and Past Due Amount. These entries are all inaccurate. Delete this file 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 2019-09-26 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: PA

Complaint narrative:
DEPTED/XXXX ACCOUNT NUMBER XXXX is reporting inaccurate data : Date opened, Payment status and Last payment are inaccurate. Delete the account 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 2019-09-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: PA

Complaint narrative:
Square inc is terrible when resolving disputes between customers when debiting too soon for funds between business and customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I wrote a letter for forgiveness to student loan in the past and didn't receive any response!!! here is my story I'n XX/XX/XXXX I did not graduate H.S, was short by 2 English credits, along comes federal student loan trying to trick me into getting a federal student loan for the amount of XXXX.Also receiving XXXX grant money to go to XXXX XXXX colledge in XXXX , at the time I excepted the loan because they kept coming at me with it, everybody knows its a sensitive time after getting out of H.S, did they know where I was at in life! No, nor did they bother to care that I was an average student and didn't graduate! No, so not quite being ready for colledge I dropped out, I just wasn't ready and the reason being was from a injury that I received when I was XXXX XXXX XXXX XXXX   when I was riding my bike on the road by our house in XX/XX/XXXX ever since that incident I had a hard time maneuvering thru life with the simplest tasks, i also tried to get help like S.S., I went in front a judge on XXXX XXXX to get help and I couldn't continue because the judge non sympathetic and didn't care, so there go our beautiful system at work! so after years of no payments at all towards my student loan, it then got transferred to XXXX XXXX, then now present day to Navient just under {$10.00} all in accrued interest, to finish off back in XX/XX/XXXX I did some sort of electronic paper work with Navient or XXXX XXXX putting my loan into foreberence and hardship, now I'm thinking that was a grave mistake because it made the the loan harder to forgive, another one of their tricks that they don't explain to you.so there is my story!!! ps if theres anyone that can help please do so or pass it on to someone who would take the time to care and relieve me of this 37 year old financial madness!!! so it can be forgiven!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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: PA

Complaint narrative:
DEPTED/XXXX ACCOUNT NUMBER XXXX is reporting inaccurate data : Date opened, Payment status and Last payment are inaccurate. Delete the account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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:
DEPTED/XXXX ACCOUNT NUMBER XXXX is reporting inaccurate data : Date opened, Payment status and Last payment are inaccurate. Delete the account 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 2019-09-26 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: PA

Complaint narrative:
US DEPT ED account number XXXX is reporting inaccurate information : Balance owed, dispute status, last payment, and past due amount. Delete this account 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 2019-09-26 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: PA

Complaint narrative:
US DEPT ED account number XXXX is reporting inaccurate information : Balance owed, dispute status, last payment, and past due amount. Delete this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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:
US DEPT ED account number XXXX is reporting inaccurate information : Balance owed, dispute status, last payment, and past due amount. Delete this account 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 2019-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
I saw a nice pair of shoes online and texted the XXXX page. He said right after I pay him he will send me a confirmation mail and mail me the shoes. Right after I paid the merchant he stopped responding to my texts and calls and isn't sending me any mail. Please help me with this scam .please look into it the date was today XX/XX/XXXX by the XXXX page called XXXX handled by this man called XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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: WV

Complaint narrative:
I contacted Transunion about being a victim of their inquire issues. There are hard inquires put on my credit report that I have no knowledge of, nor did I give my consent. 
Section 6 11 states " Anything deleted then reinserted, needed to send a letter by mail within 5 days '' and I never received any letter or notification. Customer service wouldn't fix these issues. 
Hard inquires 1. XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX 2.  XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7.  XXXX XX/XX/XXXX 8. XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 10. XXXX XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX I expect to get these hard inquires all removed within 30 days. This is an insane amount of hard inquires i did NOT make, nor approve of. These are all a mistake and was added to my credit when they shouldn't be. These hard inquires are affecting my score negatively.

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 2019-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
This company credit acceptance trying to sue me for a debt that I don't have it a fraudulent debt that supposed to be from XXXX I have no knowledge of this I'm asking this company to sist and desist any further communication

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 2019-09-26 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:
I was the victim of identify theft between XXXX. I discovered someone had open a account using my information and reporting to the police and the account was removed from my credit report. About a year later I discovered the same person had opened up about 10 accounts in my name using a different address and paid on the accounts. She abruptly stop paying the bills in XXXX. There was a police investigation and I completed an Affidavit of Identity Theft. I contact all the creditors and the accounts were removed from my report and I was not liable for any of the charges. Two years later in XXXX I starting getting collection calls and bill from XXXX XXXX XXXX saying owed XXXX XXXX {$1000.00} and {$380.00} for account I open sometime in XXXX.. Both of these account were opened fraudulently. I contacted XXXX XXXX XXXX and they removed it from my credit report and I was not liable for the charges. Somehow these charges fell thru the cracks and was charged off and sent to XXXX XXXX XXXX. I have tried for three years with Experian to explained this was a fraudulent accounts and they just keep verifying as mine. The last time I sent the police report and the Affidavit of Theft they put a fraud alert on my account which is pointless now the fraud took place in XXXX. They sent me a credit report stating the two XXXX XXXX XXXX accounts do not appear on my credit report but they do ( see attached ). The problem is they never read my letters they just verify the accounts are mine because the person used my social security number, name and date of birth. When I contact XXXX XXXX now they can not help because they sold the accounts. I do not know what to do can you help?

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 2019-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
This company, now acting as Pioneer Credit Recovery , Inc, but still the same Navient we have REPEATEDLY filed complaints against just called AGAIN this morning looking for someone who DOES NOT LIVE HERE to collect some debt. We do NOT owe these criminals anything. We have told them REPEATEDLY to stop calling. We have filed complaints with the XXXX and AG 's office, and were told the calls would stop, yet they continue. I don't know what the heck it's going to take for this company to finally, ONCE AND FOR ALL, be put OUT of ours and the rest of the public 's misery. They are CRIMINALS. They are a FRAUD and a SCAM. They serve ZERO legitimate purpose other than to annoy and harass people. DO SOMETHING ABOUT IT!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC
State: NV

Complaint narrative:
On XX/XX/2018 when I purchanced a XXXX XXXX XXXX XXXX XXXX # XXXX ) from XXXX XXXX XXXX XXXX XXXX for the amount of {$24000.00} It's financed through Westlake FIncancial Services. I was given ( 2 ) contacts with different amounts {$24000.00} with a down payment of {$3500.00}. After pulling out the lot I noticed the check engine light on I immediately turned around and informed XXXX XXXX ( the General Mgr ) of this, I was informed to bring the car back in the morning and it will be fixed because the repair shop was already closed. There was nothing done the next morning and after returning several times and emails and talking to XXXX saying I have to take it to the dealer because they can't fix it. Only getting frustrated I explained to XXXX XXXX, XXXX and XXXX ( whom she brought out the 2nd contact with my signature forged ). I told them on several occasions that the car was not safe. I took it to a certified shop only to find out that the car have over {$10000.00} worth of damages.In that report this car has been in an accident with front end damage and has been rigged to appear as if the car is repaired. I was sold a lemon and this same car with the same vin number has been financed through Westlake Financial Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
I want to be removed from the loan that was refinanced without my permission. I originally agreed to co-sign the personal loan for the amount of {$17000.00} for my daughter. She was going through a rough time with a break up and a new baby and I offered to help her out with getting caught up on her bills and what not. This was on XX/XX/XXXX. I then agreed to change the financed amount to {$20000.00}. 

At this point I thought the loan was signed for and it was good to go. I then recently found out through checking how much time was left on the loan since it wasnt my loan and my daughter had been paying on it for what I thought was awhile. That it had been refinance twice since then I do not check my Usaa account at home or online since it is less secure and I have had my identity stolen in the past. I didnt think anything of it, just assumed the loan was being paid by my daughter for the original amount we discussed. I noticed when checking that it is not for the {$20000.00} I had thought. She has since refinanced the loans, and no one ever talked to me or spoke to me at all. She had my social from the first time applying. 

Since then there have been two refinances one for {$40000.00} on XX/XX/XXXX and then an additional one for {$46000.00} on XX/XX/XXXX. 

Neither of those times was I spoken to about the new loans. I want to be removed from those two loans as I never agreed to the loan for that amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
In XX/XX/2019, I filed an online dispute with the credit bureaus disputing the accuracy of my American Express account. There were a few issues with the account. 
1. It was closed. Sold to another lender ( XXXX XXXX  ) I could no longer contact Amex. 
2. That information was not showing on any of my credit reports. 

American express responded by " supposedly re-opening '' my account. The account was never re-opened, as that can not happen. 

American Express closed & charged-off my account in XX/XX/2019 as you will see in the documents attached. They have been reporting late payments every month to the credit bureaus since XX/XX/2019 until now XX/XX/2019. 

This account is inaccurate and reporting 3 different ways to 3 different credit bureaus. 

These are CLEAR violations of the FCRA and this information and account needs to be deleted asap. Thank you for your attention to this matter, as it has an severe adverse affect on my credit.

Company response to consumer: Closed with explanation