vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
with this company. In additionally, I have sent in a copy of my police report to XXXX XXXX, and Experian. I have disputed these items with these companies over and over again. The fraudulent items are : XXXX XXXX : Reported Balance $ XXXX Fraudulent item : XXXX XXXX XXXX Reported Balance {$3.00}, XXXX Fraudulent item XXXX : Reported Balance {$410.00} Fraudulent item Never heard of this company and have disputed this item before and required proof of document with sign. 
XXXX XXXX ( CLOSED ) : Reported {$560.00} -Fraudulent item- Account has been proven fraud and removed according your company response to last complain # XXXX to Consumer finance.gov. Your response ( This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX ( CLOSED ) SAME ACCOUNT ABOUT WITH DIFFERENT REPORTING BALANCE : REPORTED BALANCE : {$920.00} ; FRAUDULENT ITEM. This account has been proven fraud by your company in before complaint ; however, it is listed on my credit report. Previous report number is : Your response : XXXX  has been proven fraud by your company however, it is still listed on my credit report. Reporting Balance : {$7000.00} :, XXXX XXXX XXXX, XXXX, IN XXXX Phone : ( XXXX ) XXXX. ). The complaint report number ( # XXXX to Consumer finance.gov. Your response ( This item has been deleted from the credit file. If you have additional questions about this item please contact : ) XXXX  have been deleted. 

XXXX : Reported Balance {$1100.00} Fraudulent item Never open this account. 

The collection account XXXX XXXX : Reporting Balance $ XXXX This item doesnt belong to me. The original company reporting it is XXXX XXXX XXXX. I was never treated by this company. The person it belongs to had insurance and it was billed. 

Please do you due diligent and removed these fraudulent items from my credit report. This is causing harm to your future in purchasing and getting a career I desire. I have sent in a police report and you still have these items on my report. Also, you guys have items which have been proven fraud by XXXX, XXXX, and Experian listed on my report. 
Please remove incorrect personal informant XXXX : Name : XXXX XXXX. My name is only XXXX XXXX. 
I ASKED BEFORE TO REMOVE FRAUDLUENT INQUIRY WHICH ARE INQUIRY I DONT HAVE AN ACCOUNT WITH. THANKS ALL COMPANY.

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 2019-04-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Wells Fargo platinum Debit Visa Card ending XXXX http : //Pay.gov Tracking ID : XXXX .Information to bank to remove the debit block. Company ID : XXXX Name : XXXX XXXX Invoice from XXXX XXXX XXXX XXXX ( XXXX ) Unclaimed Payment ( XXXX ) XXXX Merchant Payment Profile ID : XXXX XXXX NATO Bill Pay Federal Document Nbr XXXX Executive Office for Immigration Tax Reform USA President XXXX XXXX XXXX Itinerary Summary On Hold Record Locator : XXXX This reservation is on HOLD until XX/XX/2019 XXXX XXXX   CET ( Central European Time ). 
Electronic payment Receipt Acknowledgement - XXXX ( XXXX ) Have No valid Ticket number - XXXX  member 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 2019-04-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Self Lender Inc
State: OH

Complaint narrative:
this company after i decline service put XXXX XXXX dollars on my credit report, please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: TX

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX/XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ; XXXX/XXXX XXXX ; XXXX XXXX/XXXX  XXXX ; XXXXXXXX XXXX XXXX/XXXX XXXX ; XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
XXXX bill from XXXX  wen to diversified consultant like we miss payments and report me on my credit report. 

Diversified consultant report me with XXXX XXXX about not paing my account. 

We try to contac you guys but you wore close because of federal shutdown. 

We pay to diversified consultant noing was a complete fraud only to be remove from credit report Today we pay another XXXX dlls to same company same issue in cellphone account charging 2 XXXX we never receive because I wanth to buy a house guys can not be posibel XXXX  is doing fraud to every buddy over charging we don't complain because is XXXX dlls only I pay an I need that collection remove from my report. 


The company is XXXX DOING COLLECTION WITH DIVERSIFIED CONSULTANT Doing a complete fraud Report XX/XX/2018 XXXX/XXXX XXXX . ALL READY PAY ONLY TO NOT BE REPORTED BUT WE DONT OU MONEY TO XXXX.ALREADY SEND COMPLAIN TO XXXX XXXX TO DIVERSIFY CALL 20 TIMES TO ATT NOT POSIBEL

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: AZ

Complaint narrative:
I have a debt collection reporting on my credit that is not mines. I do not recognize this account nor the details being reported. This account appears to be frivolous due to a potential identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: IL

Complaint narrative:
I have a few accounts in collections on 1 of my reports that I've been trying to dispute for about 6 months.. no luck with the disputes or the status.. I've never heard a word back from them ... 1 of my reports fixed the issue in less than 21 days.. 1 account was paid by insurance and was never late ever ... and the other account has a few issues.. wrong dates and payment history.. its affecting my scores and my life.. I need help fixing the problem.. thx

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: KY

Complaint narrative:
EXPERIAN OK A DEBT BY USING A THIRD PARTY THAT I NEVER GIVE CONSENT FOR AND I WAS DENINED THE RIGHT TO ASK FOR ORIGINAL DOCUMENTS ONLY WAS NEVER GRANTED THAT AND THAT IS CLEAR AS Day in the F.C.R.A AND SUBMITTED DOCUMENTS SHOWING THAT WAS A RENTAL AND I CAN RETURN IT IF IT IS DEFECTED AND THEY WOULD NOT PICK IT UP I AM A VETERAN WITH A SERVICE CONECTION INJURY THERE ARE TWO ACCOUNTS THAT THEY WOULD NOT TAKE OFF EVEN AFTER I SHOW THE PAPER WORK THAT THEY WERE PART OF my id theif and most of thew inquiers i contactd three out of 61 and they had no ideal of the inquir so that tells you that somone is adding iinquirerys to my report over and over and experian is pulling up closed accounts and listing them as missed payments and some were in bankrupcy years ago i would just like to know how many more times do they get to do what ever they want over and over i have proved with more then my fair share of a very costly ID theif this has been going on and on and on for almost three years eather sweep my credit file with all three bureaus or help me get another ssn i have had death theats over this it needs to stop there hurting me more then the id theif by not compliying to the F.C.R.A this is not right for a veteran to be treated like this i almost payed with my life for this country and now i have to fight harder in this country to try to get back what i had no control of losing 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 2019-04-25 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: MO

Complaint narrative:
The credit reporting agencies, XXXX in particular has failed on many attempts to fix, correct, and/ or delete my problem whereas incorrect data is still reporting on my file. Data that for one is not mines. Secondly and first at hand, not one credit reporting agency provided me with any certified physical documentation that supports their claims, as opposed to electronic Verification inwhich is part of the initial fraud. I'm demanding that the credit reporting agencies provide me with the Method of Verification used in this investigation. I do not have any contract with the following accounts inwhich I'm disputing and would like blocked from my file. Account # 1 [ XXXX XXXX XXXX {$1000.00} ], Account # 2 [ XXXX {$920.00} ], and Account # 3 [ XXXX XXXXXXXX XXXX ] an account illegally reinserted and reported by Transunion and XXXX both. This account has been disputed and removed in XXXX of XXXX, but reinserted in XXXX of XXXX, without a 5 day notice from the credit reporting agencies Transunion and XXXX as stated within the laws of the FCRA and supported by the FTC. Before I have to file suit against Transunion and XXXX I'm demanding that these two credit reporting agencies block this accounts immediately and permanently.

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 2019-04-25 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I missed some tax payments and let insurance lapse which accumulated to over XXXX dollars for which we and Ocwen Loan Servicing were to work out a repayment agreement in or around XXXX of 2018. I completed a budget worksheet to determine how much monies i could repay them monthly, i did receive a letter stating that the repayment plan was approved and that i need to send back the contract signed and the first installment however as i have been calling Ocwen every month in the first week only to be put over to someones voicemail and to never get a return call, I keep telling them that i never actually recieved an actual contract to sign and return back and no one is calling me back or has attempted to send me another contract so i have been sending them XXXX per month but my checks never get cashed or even returned. so I pay my housing insurance and my taxes and i keep sending those checks hoping this isnt going to happen but i think it is because no one will get back to me or give us a chance to complete a repayment plan. I have even sent them notices stating this via tracked mail. i have tracking numbers that they have been recieved

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 2019-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
1. Original Creditor - 12 Capital One N.A. 
2. Collection Agency - XXXX XXXX XXXX Amount {$1900.00} Claiming Amount Owned Date Disputed XXXX Disputed Charges And Asked For VOD Validation Of Debt ***NOT Validation*** Resolution : XXXX Re-investigation in process Per XXXX : I Quote Account Information Disputed By Consumer ( Meets Requirements The Fair Credit Act )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Western-Shamrock Corporation
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found 60 days late payment on the dates XX/XX/2017 to XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have a 100 point differences from XXXX and XXXX? Why is that? I call XXXX they ask me to compared them, I did, they were all the same? So, why the 100 points difference? Please explain.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: United National Services
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2017 to XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Untimely response
Consumer complaint received 2019-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XXXX 2013. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get 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 explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have had an American Express XXXX XXXX XXXX for approximately ten years. I have NEVER been late making my payments. In late XX/XX/XXXX or early XX/XX/XXXX I secured permission to spend {$1800.00}, as I planned to travel north to visit family. I planned on purchasing furniture and clothing for my son and paying hotel bills, all just using one credit card. At the time my " Pay over Time Balance '' was about {$1400.00} with a limit of {$3100.00}, at the time adequate to absorb about {$1700.00}. When I returned home in late XX/XX/XXXX, I learned my limit was reduced to {$2000.00}. I was not able to place more than {$600.00} on pay over time, which then raised my minimum monthly payment to {$1100.00}. I have made payments of {$150.00}, {$300.00} and {$610.00}, for XXXX XXXX and XX/XX/XXXX. When I call to complain I speak to someone in a foreign country who doesn't understand English. A collector called 3 days straight harassing me and badgering me to make a payment. I have explained that my payment is " delinquent '' because they have reduced my credit limit unbeknownst to me, and that their actions have interfered with my ability to handle my other obligations, but they indicate that they could care less. All they want is their payment which is impossible for me to make. Also I had almost XXXX reward points down to about XXXX and no one can explain their disappearance. 
I am considering legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: GA

Complaint narrative:
About 5 years ago my personal information was compromised and my identity was stolen. Over the passed few years I have noticed inquiries on my credit that I did not authorize and had no prior knowledge of, Sometimes it was accounts ( cable, phone, utilities ) most were easy to prove fraud. 
Beginning in XXXX I saw these instances become more frequent for a while it was over 30 per week. Whenever I learned of these I would contact the companies extending credit and notify them of the fraud. 
In XXXX I began to notice many apartments showing up, many of which were actually signed leases in my name and some were just applications. A lot had utilities connected in my name as well. 
Last year, I learned a XXXX person named XXXX XXXX was arrested in XXXX FL for fraud and counterfeit charges I contacted the apartments and learned he was claiming to be me and had an apartment in my name that was in default, he was giving the office fake checks to pay rent and was thousands of dollars in debt in my name. 
I have police reports and FTC filing but can get nowhere with the bureaus, collection agencies or creditors. 
I need assistance getting my life. Back. 
The companies are : -XXXX  XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX {$4600.00} 2 ) XXXX  XXXX XXXX XX/XX/XXXX {$270.00} 3 ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$370.00} 4 ) XXXX XXXX XX/XX/XXXX {$320.00} 5 ) XXXX  XXXX XXXX XX/XX/XXXX {$100.00} - XXXX XXXX XXXX  1 ) XXXX XXXX  XXXX XX/XX/XXXX {$3300.00} - XXXX  XXXX XXXX XXXX 1 ) XXXX  XXXX XXXX XXXX XX/XX/XXXX {$4700.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$540.00} -XXXX XXXX  XXXX XX/XX/XXXX {$160.00} XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX {$450.00} XXXX XXXX  XX/XX/XXXX {$300.00} These are the ones currently showing. Some of these have part my correct info and some inconsistent. I need help reclaiming my life. I have statements, FTC Filing and police reports but I cant get the bureaus, agencies or creditors to help me. 

Can you assist me?

Company response to consumer: Closed with explanation