vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is reporting that I had a foreclosure, however we have sent them several letters from   XXXX   XXXX   XXXX    stating that the 2nd mortgage ( what I 'm having an issue with ) was forgiven and was paid. They refuse to change their raw data, so that when my new lender tries to run automated underwriting (   XXXX  ) I get a decline. My lo an officer called   XXXX   XXXX  and they are saying the raw data from Experian is still showing Foreclosure.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 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: SC

Complaint narrative:
Hi, I applied for an auto loan and I was told that my credit would be ran through  XXXX  creditor and that it would be a soft pull. However I have over  XXXX  hard inquiries on my report as a result. I have disputed these to  XXXX , Transunion, as well as  XXXX  with very little success.     Inquiries :  XXXX /  XXXX   XXXX   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX     XXXX   XXXX /  XXXX   To    XXXX   XXXX   XXXX      XXXX   XXXX   XXXX       XXXX   XXXX   XXXX       XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX  /   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX    XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX      XXXX     XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX     XXXX   XXXX   XXXX   In addition to the unauthorized inquiries on the report. I have reached out to the cr editors as well as all   XXXX   bureaus in reference to other erroneous information on my report with little to no success. I have taken the time to enter the erroneous accounts below :  XXXX   XXXX   XXXX   ( AC CT #  XXXX  )  XXXX   XXXX   XXXX   XXXX   XXXX   ( AC CT #  XXXX  )  XXXX   XXXX   XXXX  (  XXXX  )   XXXX   XXXX   (  XXXX  )  XXXX   XXXX  and   XXXX   XXXX   (  XXXX  )   XXXX   XXXX   XXXX   (  XXXX  ) I am very upset as these accounts are not supposed to be included in my report. I have written as well as disputed this incorrect information with all creditors as well as all  XXXX  bureaus with little or no success. I am in desperate need of your help. I thank you in advance for taking my complaint into consideration.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 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: SC

Complaint narrative:
Hi, I applied for an auto loan and I was told that my credit would be ran through 1 creditor and that it would be a soft pull. However I have over XXXX hard inquiries on my report as a result. I have disputed these to XXXX, XXXX, as well as Experian with very little success. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit/XXXX To XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition to the unauthorized inquiries on the report. I have reached out to the creditors as well as all three bureaus in reference to other erroneous information on my report with little to no success. I have taken the time to enter the erroneous accounts below : XXXX XXXX XXXX ( ACCT # XXXX ) XXXX XXXX XXXX XXXX XXXX ( ACCT # XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) I am very upset as these accounts are not supposed to be included in my report. I have written as well as disputed this incorrect information with all creditors as well as all three bureaus with little or no success. I am in desperate need of your help. I thank you in advance for taking my complaint into consideration.

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 2017-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX I sent a dispute letter to Portfolio Recovery Associates regarding an account with XXXX XXXX who is listed as the original creditor. Within the letter I requested validation of this debt by providing me with the original application and/or contract from XXXX XXXX that outlined the terms of fees, interest, etc. so that I could confirm that the dollar amount stated as being owed was in fact assessed from the original creditor and not the collection agency who is currently attempting to collect. I also asked if the contract/application from the original creditor could not be provided that they provide me with a copy of any agreement the collection agency has with me verifying that I agreed to pay them the debt of record and/or the original creditor. In addition, I also asked for them to verify the date the debt was acquired and also if it was assigned or purchased and to which credit bureaus the debt was being reported. I received none of this information from Portfolio Recovery Associates and upon contacting them via telephone on XX/XX/XXXX I was told by a supervisor that they do not have a contract or application on file or record from the original creditor and that even if they did they do not send this type of information to consumers which is a complete falsehood. In addition, I was informed by the same supervisor that this account was not assigned to them by the original creditor of record and was actually purchased and acquired in XXXX of XXXX. In my original letter to the collection agency I alerted them that in the event of noncompliance, I 'd reserve my right to file charges and/or complaints with appropriate county, state and federal authorities for violations of the FDCPA/FCRA. I feel my rights are being violated and there are some unethical practices and procedures being utilized as it pertains to my particular situation and I am in need of additional assistance. Your help in this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Army and Air Force Exchange Service
State: CA

Complaint narrative:
After receiving a monthly statement from AAFES, I requested a total in an attempt to validate the debt. The reason for this was prior I showed a balance of {$500.00} according to my records. However, AAFES bill showed a balance of {$1800.00}. During the dispute my account was sent to collections and made the process extremely much more difficult than necessary. I made several attempts to discuss the bill prior to the account being sent to collections. As a long time customer and one that never has disputed even one charge, I feel that this is unacceptable. I simply was requesting an itemized statement to reflected the amount of the alleged {$1800.00}. So far in return all I have received is terrible customer service from rude representatives that is unjust. Finally, the statements AAFES did manage to send had the incorrect account number on them. Which is why I was under the assumption that those statements were inaccurate in the first place.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
There are medical collections on my credit report do not belong to me, However, They belong to my wife, I have never received any letters of attempt to collect the debit or any letter explains my right to those collections, They just put them on my credit report without any prior contact. I have called the progressive management system and I was told that the collections will not be removed from my credit report till 60 days after the accounts are paid. Those collections stops me from proceeding in getting some of the credit that I need, Buying a house for example or a vehicle.

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 2017-07-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Over 7 years ago, I opened a Home Equity Line of Credit with the bank for {$50000.00}. We only used {$30000.00} or so at the time. When the banking crisis hit, BMO informed us that they are freezing their HELOC accounts and there will be no more credit issued. I understand why they did that. Limits their risk. I was fine with it. I did n't, and still do n't, need more money. Here is the problem -- and its a big one : They still term the loan a line of credit. Even though I can not withdraw money from it. My credit score suffers massively because it says that I have that much available to me -- even when I do n't!! My credit report says that my outstanding loans are higher than they should be because of this labeling error. It should be a XXXX loan and show that I 've been paying it down and never missed a payment. It is NOT A LINE OF 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 2017-07-24 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: AL

Complaint narrative:
I have worked and worked after seeing my Credit Report and saw so many accounts that did not belong to me. I was saddened because I had no idea that it was even legal to report so many things that were untrue. I do not have a problem with paying debt that belongs to me but this is ridiculous because I have no knowledge of these accounts, please remove them immediately! XXXX No knowledge of this debt! XXXX/ XXXX-No knowledge of this debt! Ive never had a XXXX account nor do I have a home to get these services, I am trying to get a home and that is why I pulled my report, I live with someone else currently! XXXX reports 3 times, have n't even been to college so this could not be true! I have no knowledge of this debt. XXXX XXXX, Same as stated before, I have no knowledge of this debt. XXXX XXXX XXXX- No knowledge of this debt. XXXX XXXX- No knowledge of this account! XXXX XXXX -No knowledge of this debt! XXXX XXXX -No knowledge of this debt! I also have unauthorized inquiries and I have no knowledge of these companies! Nor did I give them the authority to pull my credit! XXXX XXXX XXXX XXXX XXXX XXXX XXXX Alabama XXXX XXXX XXXX XXXX All these inquiries are unauthorized! Please help me to remove these things off my credit. They are stopping me from moving forward and this is very much unfair because this debt does not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 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: AL

Complaint narrative:
I have worked and worked after seeing my Credit Report and saw so many accounts that did not belong to me. I was saddened because I had no idea that it was even legal to report so many things that were untrue. I do not have a problem with paying debt that belongs to me but this is ridiculous because I have no knowledge of these accounts, please remove them immediately! XXXX No knowledge of this debt! XXXX/ XXXX-No knowledge of this debt! Ive never had a XXXX account nor do I have a home to get these services, I am trying to get a home and that is why I pulled my report, I live with someone else currently! XXXX reports 3 times, have n't even been to college so this could not be true! I have no knowledge of this debt. XXXX XXXX, Same as stated before, I have no knowledge of this debt. XXXX XXXX XXXX- No knowledge of this debt. XXXX XXXX- No knowledge of this account! XXXX XXXX -No knowledge of this debt! XXXX XXXX -No knowledge of this debt! I also have unauthorized inquiries and I have no knowledge of these companies! Nor did I give them the authority to pull my credit! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All these inquiries are unauthorized! Please help me to remove these things off my credit. They are stopping me from moving forward and this is very much unfair because this debt does not belong to me!

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 2017-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
me and my spouse are due to make last payment on our used car loan through Capital one, we set up automatic payment with our bank, and now they have sent a letter stating we missed our last payment, we have automatic payment set up with Capital one and yet due to internal errors within their auto-financing department they are causing our payment and our credit to be negatively be impacted by this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BB&T CORPORATION
State: DC

Complaint narrative:
I n  XX/XX/XXXX  I purchased a  XX/XX/XXXX  used  car from  XXXX   XXXX . Due to my credit situation at the time, I was charged 24 % interest on the car loan. Fast forward to to day,  XX/XX/XXXX , and I still  owe the same amount as I originally fi nanced  XX/XX/XXXX  ( yes, that is after 7 years of payments ). I have been to several car dealers (   XXXX ,  XXXX   &   XXXX   ) and every  time we try to get a straight answer about my loan we are told different stories, with no proof provided by  XXXX   XXXX . After attempting to trade the car in ( to no avail since  XXXX   XXXX  was saying that I still owed  XXXX  after 7 y ears ), I let the m repossess the car, due to the frustration of still paying a note with no " pay down '' value. Now, as I am trying to get another car, even though I do not have the car ( I have proof that the car was reposed )   XXXX   XXXX   is holding up the process by not " selling the car at auction '' and not saying they have the car so other lenders want me to produce the car. My credit is tanked as a result and I still do n't have a car.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
I was checking my credit report and I noticed this company that Recovery Solution on my credit report I 've never done any type of business whatsoever with this com pany or who I owed it to a few years back my identity was stolen I tried communicating with the company that Recovery Solution and they did not want to hear what I had to say they refuse and sometimes hung up on me I did dispu te it with my credit bureau and they are denying the fact that I have rights in the consumer act. And it 's  not just one collection agency with debt recovery they have at least  XXXX  on there which is not mine relat ed to that Recovery Solution or more and they are not mine. Some of these items are placed on there  XXXX  times of the same amount and I have called the company that they are reporting it to and they have wrong addresses which I disputed with my credit agency. Please have them remove all that recovery collections off my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Alabama Housing Finance Authority
State: NC

Complaint narrative:
The home closed  on  XX/XX/XXXX  wi th    XXXX   XXXX  , then  sold to  XXXX . Payments started on   XX/XX/XXXX . All p ayments have been made on time. I have proof of all payments. Between the  two mortgage companies, the paperwork and transfer dates have been crossed up. I have been receiving phone ca lls on, late notices, and now late charges for payments that have already been received. I have tried to resolve this issue several times. As of yet, they have not worked together to clear up this issue.   XXXX   have a transfer date  of  XX/XX/XXXX , the n   XX/XX/XXXX  has a transfer date of  XX/XX/XXXX . I sent t  he   XX/XX/XXXX payment to   XXXX   XXXX    and  they refuse to send the payment to  XXXX  because they are saying it would make my account delinquent with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Starting XXXX of XXXX, I decided to not use my XXXX Credit Card and start making payments in order to reduce my balance on my XXXX card. At the time that I started paying payments I decided to pay some amount over the minimum requirement. The amount of monthly payments I made was {$200.00} ( approximately {$45.00} over minimum amount at the time ) on the due date. Every time the payment is due and when XXXX received my payment they sent emails reminding the due date and then confirming receipt of my payments, in which, they never mentioned that my auto pay has fallen under minimum payment required or any mention of late payments due to such change in my account. Since the payments were done automatically from my checking account, I thought I am on track to reduce my balance on my card. My payments were due on the XXXX of each month. Apparently, because of XXXX of XXXX holidays in XXXX,  XXXX had received my payment on the XXXX of the month and that triggered the increase in my payments without any notice from XXXX XXXX. They just accumulated the interest and late charges each and every month and charged me late payment fees and about XXXX % of interest on the total balance on my card. I did n't receive a courtesy call or a notification that my payments have fallen under minimum payment and charges are being accumulated in my account without any additional purchases and/or charges from my part. I have not used their card from early XXXX till today. I had to payoff some of my credit cards in order to qualify for a new home loan and that 's when I found out about the charges being accumulated in my account without any notice or courtesy calls. I followed up with the XXXX XXXX and after talking to the managers and representatives and explaining that if the payment is late for one week, I would receive numerous phone calls reminding me of such, however, there was no warning letters, emails or phone calls to remind me of such discrepancy. After following up with the XXXX cards and making many phone calls I could not resolve the issue with them. XXXX finally concluded that the charges are valid and they will not issue any credit toward late charges and/or interest charged on such late charges. In my opinion, these are fraudulent charges with no merit. A credit card with no activities for almost a year and a half should NOT have a higher balance than when I started making $ XXXX monthly payments. They only act to their own benefit without any consideration or regards for their card holders.

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 2017-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I have been trying for over a year to get my credit report from all  XXXX  credit bureaus. I keep sending them the information to obtain  XXXX , my current address, my driver 's license, my social, and other information and I keep getting letters stating they are unable to process because they want the same information all over. I have even sent them mail from the united states postal and the courts and they still keep sending me the same rejection letter. I have also sent information to you and others regarding disputes on my credit that needs to be removed and they keep sending me the same rejection letter.     And when they have sent me information it is in someone 's elses last name

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 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: AL

Complaint narrative:
PLEASE READ MY COMPLAINT AND INVESTIGATE THOROUGHLY. IN XX/XX/XXXX MY IDENITY WAS STOLEN AND SOMEONE WAS LIVING AS ME IN XXXX XXXX NEVADA. I HAVE FAXED OVER SUPPORTING DOCUMENTS TO ALL PARTIES INVOLVED. XXXX XXXX, XXXX XXXX, TRANSUNION, XXXX, XXXX AND CFPB. I HAVE ENCLOSED 18 YEARS OF STATED ISSUED ID AND ALSO COLLECTION LETTERS FROM STATE OF ALABAMA FOR TAX YEARS XX/XX/XXXX-XX/XX/XXXX. HERE ARE MY CONCERNS. 1. I HAVE LIVED IN ALABAMA ALL MY LIFE 2. I HAVE 19 YEARS OF STATE ISSUED ID FROM ALABAMA 3. I HAVE COLLECTION LETTERS FROM DEPARTMENT OF REVENUE STATE OF ALABAMA WHERE I OWE TAXES FROM XX/XX/XXXX-XX/XX/XXXX. HOW IS THIS POSSIBLE IF I WAS IN XXXX XXXX NEVADA PLEASE BETTER RESEARCH AND REMOVE THESE ACCOUNTS IMMEDIATLEY FROM ALL 3 CREDIT BUREAUS

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