vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-14 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: FL

Complaint narrative:
Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX This letter is a formal request to block/correct any and all inaccurate information contained on my Credit Reports. The item ( s ) listed below are as follow : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX {$10000.00} Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Closed : XXXX XXXX, XXXX XXXX Closed : XXXX XXXX, XXXX {$380.00} Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim. 
In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item. 
. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 
Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission. I have also enclosed a copy my POLICE REPORT Please let me know if you need any other information from me that may aid you in resolving this matter promptly.

section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 




XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
XXXX received a debt collection from Kings Credit Services from XXXX XXXX XXXX, Account Number XXXX stating that I owe them {$2000.00} dollars to a vehicle that I had taken off my name and no longer owned the vehicle and harassing me every other day that they will put that towards my credit if I do not pay the balanced owed. They threatened me and told me that last 4 digits of my social security numbers and they will go ahead and add it towards collection if I do not show them any proof before the XXXX od XXXX, XXXX that the vehicle is and was no longer under my name since they had picked it up, I went to the DMV today XXXX/XXXX/XXXX and explained them my situation and they gave me this information on who to contact, please help me I do not want my credit ruined or for them to keep harassing me for a vehicle that was no longer in my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 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: IL

Complaint narrative:
XXXX XXXX, XXXX My identity was stolen and credit cards in my name was opened at the XXXX XXXX XXXX and other merchants in the area. & purchases were made in XXXX XXXX. XXXX XXXX XXXX was notified over the phone and in writing on XXXX XXXX, XXXX. A XXXX Police report was also sent along with the XXXX XXXX XXXX investigation forms. I received letter dated XXXX XXXX, XXXX, from XXXX XXXX XXXX stating that they completed investigation in my fraud claim and claim has been resolved in my favor. The letter also states that Credit Bureau agencies have been notified to remove this account from my credit profile. 
As of today, my credit report has not been corrected and still shows balance of {$2100.00}. I tired to resolve this matter with both with XXXX XXXX XXXX XXXX XXXX XXXX representative over the phone ( XXXX ) three to four times in last 12month without any success.

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 2017-12-14 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:
XXXX XXXX, XXXX My identity was stolen and credit cards in my name was opened at the XXXX XXXX XXXX and other merchants in the area. & purchases were made in XXXX XXXX. XXXX XXXX XXXX was notified over the phone and in writing on XXXX XXXX, XXXX. A XXXX Police report was also sent along with the XXXX XXXX XXXX investigation forms. I received letter dated XXXX XXXX, XXXX, from XXXX XXXX XXXX stating that they completed investigation in my fraud claim and claim has been resolved in my favor. The letter also states that Credit Bureau agencies have been notified to remove this account from my credit profile. 
As of today, my credit report has not been corrected and still shows balance of {$2100.00}. I tired to resolve this matter with both with XXXX XXXX & XXXX XXXX XXXX representative over the phone ( XXXX ) three to four times in last 12month without any success.

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 2017-12-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Quality Asset Recovery LLC
State: OH

Complaint narrative:
I disputed this claim thru XXXX about a double posting of a collection account of {$800.00} beginning of XXXX XXXX and XXXX is not going to take the double posting off my credit report. The open date is XXXX XXXX, XXXX on the double post. I have called XXXX XXXX XXXX XXXX, NJ and they said they will not take this amount off till I pay in full which is {$800.00} not {$1600.00}

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 2017-12-14 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: Account Services Collections, Inc
State: TX

Complaint narrative:
XXXX XXXX cra-hippa violation inaccurate information account no knowledge of or not mine sent po number to credit company reporting inaccurate information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX/XXXX/XXXX, I called Equifax to remove inquires that I did not authorize. I spoke to a US rep who after explaining to him the situation he advised me that XXXX XXXX ( XXXX XXXX, XXXX ), XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX would all be removed. After a couple days I checked my report and the items were still there. I called back on XXXX/XXXX/XXXX after sitting on hold for over an hour I was connected @ XXXX I spoke to a US XXXX XXXX in the XXXX XXXX XXXX by the name of XXXX XXXX who advise me that she wanted to apologize because the gentleman only placed these inquiries under dispute but seen his notes and would be sending my file to a specialist team to have the inquires removed since they were suppose to be done on XXXX/XXXX/XXXX because they were inquiries I never authorized and had multiple problems with getting the companies to send a Deletion Request sent electronically. On XXXX/XXXX/XXXX I received a letter showing that XXXX XXXX was the only one removed. That all the others were factional after I had been told now on multiple occasions they would be removed. I am extremely frustrated with this agency and ca n't believe how unprotected we are in consumers. That the agency who holds my life in their hands I literally can not TRUST. None of these agency had my authorization to pull my credit being the loan was suppose to be pre-approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am about to pay off a loan with Wells Fargo Dealer Services. I am down to the final payment. Wells Fargo has twice increased the amount of the monthly payments for insurance that I not only did not need but did not ask for. They repossessed the car three times and every time I was able to find the towing company that took the car and pay the fines to get the car back. I have also not missed a payment in over 2 years, even while paying additional insurance. They double dipped on the insurance and I am not sure it was even legal to begin with. I just want this company to remove the late payments from my credit history. This never would have happened if they just left payment amount alone.

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 2017-12-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: ECMC GROUP, INC.
State: AZ

Complaint narrative:
XX/XX/XXXX 2017 ECMC called my co-works and harasses my co-workers and manager. This is totally unprofessional and not acceptable. These actions must stop.

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 2017-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
Hello I am contact you in regards to my active coinbase account. As of XXXX XXXX I was locked out of my account. I was directed on their website to follow a few steps to resolved the problem. I completed the process and received an email notifying me that it was approved and I should be receiving a code by text to allow me access to the account. I never received the code. Next I sent a request ticket through there website, but got no reply. After that I called the customer support number, who directed back to the website. Once I did get a reply regarding my ticket it directed me back to the website. Next I used their XXXX account and their XXXX XXXX account for assistance and have gotten no reply. I am now writing to you while being placed on hold by their support line, I have been on hold for two hours. I have not included the dates because of the large amount of attempts I have made. 

Please help me regarding this issues, I have went through the proper channel as they have directed with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 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: AVANTE
State: TX

Complaint narrative:
hippa violation inaccurate information no knowledge of account or not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Select Management Resources, LLC
State: IN

Complaint narrative:
The original complaint is XXXX about XXXX XXXX XXXX, XXXX..You may look there for reference. You will that the company offered a settlement of {$3000.00} for 5 months at {$600.00} per month beginning tomorrow. I was told by their attorney that I would be receiving a document with the terms outlined and she wanted me to sign it and send it back. I have waited at least 3 weeks or so for the document. It never arrived. Therefore I am taking this as the company pulling it 's settlement offer. Which is fine, I am now placing a new settlement. This is not an offer. I gave them the opportunity and responded by toying with me. I will not be a part of such a farce. I will draw up my own non-negotiable settlement and send it to the company. I will pay {$2800.00} on or before XXXX XXXX XXXX. PERIOD! Any and all collections attempts will cease immediately, if not I will begin the Administrative Procedure starting with an XXXX. This is not up for negotiation, I was not given any warning of their change of plan. This is what it will be. Period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ballybunion Enterprises, Inc
State: TX

Complaint narrative:
An individual by the name XXXX XXXX with XXXX XXXX XXXX, XXXX called in XXXX regarding a debt with XXXX XXXX XXXX from XXXX stating that if no payment was made they would garnish my paycheck including my spouse paycheck if this amount was not paid. The first payment was made XXXX XXXX and a total of {$2700.00} has been paid. We have contacted XXXX XXXX XXXX and they have stated they have no affliction with this company and they account has been been charged off with only a balance of {$1700.00}. XXXX & XXXX has continue to threaten us if we do not continue to make payment on the account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: CA

Complaint narrative:
I have been getting telephone calls from someone who identifies herself as " XXXX XXXX '' who claims she is a debt collector but refused to give the name of the company with which is was supposedly associated. She said that in order to stop further action on this issue I needed to call XXXX. 

Then today, I got what was obviously a bogus collections email, from some place claiming to be True Accord ( XXXX, XXXXXXXXXXXX ) and claiming that I owed " XXXX XXXX XXXX the Current Creditor-Debt Purchaser '' {$1400.00} for some balance on an old XXXX account. It claims the account went into default in XXXX ... 

I have n't done any business with XXXX for about a decade. I was provided with NO PROOF of any debt owed. 

I looked up True Accord online and found that : " TrueAccord Corp has been sued for using debt collection practices that allegedly violate the FDCPA. '' Since they came back to back, I 'm assuming that the bogus telephone call ( which obviously violated debt collections rules ), and the bogus email which claimed I owed money I do not owe for an account that is over a decade old ( also in violation of debt collections rules ) were from the same company/individual.

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 2017-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
My husband refinanced our home & property with Prosperity Bank - it is handled out of their XXXX, Texas office. During the refinance process, I was left off the paperwork - therefore I have no responsibility or authority with any aspect of this loan. 

Three years ago, we fell into financial problems & were behind on the mortgage, but it was caught-up & has been current for over 18 months - close to 2 years. 

Based on paydays, the loan is paid on the XXXX of every month & Prosperity has been aware of this for 2 years - nothing has changed. However, there is a gentleman with the bank, XXXX XXXX, who calls ME every month - sometimes up to 3 times a day. He has my husband 's phone number as a contact & I was added as an emergency contact only. 

I can not get any information about the loan, I can not make any arrangements ( if it were necessary ), I have literally zero ability to handle any aspect of this loan or the property, because I am not on the loan. But ... every month, I will start receiving harassing phone calls about the loan. Every month, XXXX XXXX is told the same thing : the loan will be paid on or before the XXXX & do not call me again. He has been told this for at least 2 years - but he still calls & harasses me every month. 

My husband no longer lives with me & travels 100 % of the time. Again, because of the refinance, I have no authority over the loan or the property. XXXX XXXX is very aware of this because he has refused to provide me with information about the loan in the past. 

Every month I tell him to stop calling me, as this is not my loan - not my mortgage - not my account, but he never stops. Last month he called me 3 times in one day, on both my home & cell phones. He 's started the harassing again today for the XXXX payment. 

I know that the mortgage is current & all late fees are paid each month. There is no reason for this man to continue calling & harassing me every month. This is not my loan or my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ORG GC GP BUYER, LLC
State: PA

Complaint narrative:
I spoke with a representative and she did an analysis of expenses and quoted me a payment based on information I was asked verbally. She asked that I provide pertinent documented information originally quoted a verbal payment but used an calculation and was told after they received documents requested this could change. After providing information requested that they would send me letter stating payment I signed and dated the documents that came in much lower then the original quoted payment. I called to confirm that the new amount after receiving documents this would be my monthly payment which was about 40 or so less than I agreed signed the paper work called and confirmed receipt and verified payment. XXXX I received a letter dated XXXX and I called because the payment was my verbal payment not the payment agreed upon and my signature in signed documentation. Spoke with a representative name XXXX XXXX who told me that it would take 72 hrs to correct the descepency and my payment would be the verbal about this per XXXX I had an option to pay {$59.00} a month which was never relayed to me as an option. I agreed to pay the debt with my personal banking information and verified that the payment would now be the XXXX XXXX.aFter the signed and dated agreement Im trying after a major job setback to payoff old debt. I have been treated with such disrespect from the XXXX XXXX XXXX and his subordinate on Monday Ive asked him to review may previous call stating the the representative assure me my payment would now be XXXX dollars only two receive a notice by mail it would be the original XXXXafter review the my recorded call in in XXXX XXXX was unfair in his this company asked that you call to verify receipt of email document which was compeleted only to find that they took the original amount after threatening to garnish would be received. They did not stick to the original agreement and assessed monies they now say you have to call and arraigned a new payment but they never told you your original payment could be less than there system had calculated. XXXX also after I caller and that a representative assured me of payment And was told he would review on Monday and it is Thursday after speaking with him he seemed disconnect with an attitude they he even had to address this complaint without resolved they Are taking more out of my account they agreed upon and didnt even try rectify my concerns

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Wells Fargo closed our bank accounts and did not explain why and we have done nothing wrong. We have always handled accounts in accordance with their policies and the law. 

That is bad enough but they closed our minor children 's bank accounts and claim the children are banned from the institution for life. 

That is arbitrary and discriminatory and punishing the innocent.

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 2017-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RGS Financial, Inc.
State: GA

Complaint narrative:
I checked my credit report on XXXX XXXX, 2017 and noticed that I had a collection that had been reporting for the past 3 months. I was never notified of the debt, nor was the debt ever verified. I found the website for RGS Financial and chatted with a representative named XXXX XXXX at approximately XXXX XXXX XXXX. I made it clear that I never received any notification of the debt, and also asked for her to verify the debt for me. I have not received a response.

Company response to consumer: Closed with explanation