vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-26 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: GA

Complaint narrative:
I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion are reporting incorrectly a late payment for XXXX, 2019 on the XXXX - partial account number XXXX ( please see page 4 of the attached credit report. ) We were going to try to start automatic bill pay however the first time we tried to use the bill pay the payment didnt take go through that first month so we went back to manually paying this bill. I thought for sure that the original payment would have gone through in time however it did not. We got worried and paid it again. By this time it was too late and we were reported late in XXXX, 2019. This inaccurate reporting is harming my credit score.

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 2019-03-26 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: GA

Complaint narrative:
I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-03-26 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: GA

Complaint narrative:
I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
A separate case has been previously been opened and closed ( Case # XXXX ) ; however, this complaint deals with USAA violation of 12 CFR Part 1005, 11 ( d ) ( 1 ). 

While I continue to state that fraudulent activity occurred with my debit card and USAA wrongly denied my claim. I have repeatable requested a copy of all and any documentation used in fraud claim # XXXX. Per 12 CFR Part 1005, 11 ( d ) ( 1 ) " Request for documentation. When a consumer requests copies of documents, the financial institution must provide the copies in an understandable form. If an institution relied on magnetic tape, it must convert the applicable data into readable form, for example, by printing it and explaining any codes. '' On XX/XX/2018 in a recorded telephone call with USAA, I explicitly requested a copy of documentation used. I further made a written request to USAA in XXXX, XXXX and XX/XX/2018 for this documentation. As such, USAA has failed to provide this information to me and therefore, USAA has committed a violation of Regulatory Guidance.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Dear cfpb : On two occasions over a 6 month period I have called XXXX car loan processing dept to get a letter, or some other document showing there is no balance on a car loan. The State of CA, will not issue me clear title without this letter. I have attached that letter. 

XXXX said that " no loan exists for the VIN number '', I said that is fine, send me letter re that, and they said OK. 

It has now been 10 months and nothing ... .. I dont think a third call to them will be of any use, please help. 

the VIN # is XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Unauthorized Inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Expert Credit Sweeps
State: NV

Complaint narrative:
On XXXX I had a phone consultation to discuss credit repair services with Ms. XXXX. I was initially charged {$220.00} for services that were to begin in XX/XX/2018. I paid for the credit monitoring services she recommended and provided the user name and password. I also uploaded supporting documentation to the portal and sent messages in the portal. Between XXXX until XXXX I paid a total of {$600.00} and yet non of the disputes I requested were conducted. Ms. XXXX sent a couple of emails apologizing for issues. There were definitely problems with the portal and I think it caused communication and documentation issues. I don't know if it was intentional but Ms. XXXX did not respond to any of my messages through the portal and calls were unsuccessful. I have recently checked to see what disputes where made and discovered that I paid {$600.00} for nothing. This money must be refunded immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/2019 Capital One Bank mailed me a denial letter to inform me that my credit card application request can not be reviewed at this time because : based on the application information, income is insufficient for requested credit. 
Application ID : XXXX NOTE : I did not apply with this or any other bank in attempt to obtain any credit accounts whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
Nelnet which is contracted by the US Department of Education is totally dysfunctional and inept. Case in point, I sent an email on XX/XX/2019 which was a simple post discharge monitoring form, 10 days later on XX/XX/2019 they actually, acknowledge receipt of my e-mail. It is a rather simple form that requires 30 seconds to process, my account number is : XXXX. Filing a complaint is usually the only way Nelnet actually completes and processes something.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK
State: NY

Complaint narrative:
I had a Discover credit card that I was approved for approximately 18 years ago when I lived in XXXX. I moved up to XXXX XXXX 15 years ago and ran in to some financial problems a year or two later and could not pay my debt owed which at the time was around {$13000.00}. Discover did send me letters saying it was going in to collections, but soon after than all communications from them ceased. I never heard from them again until about 8-10 years later saying they took me to court and sued me for {$26000.00}. Again, after that all communications stopped. A few months ago I received a letter from the Sheriff saying that my wages were going to be garnished. I had an attorney contact Discover to make a lump sum settlement for the original amount owed, but they refused to make any kind of settlement for any amount. I know that I NEVER received any form of legal documents from them in the form of a certified letter or document and was never served at any time. I believe they violated the statute of limitations in regards to filing the lawsuit. XXXX  statute of limitations is 3 years and XXXX XXXX  is 6 years. I know they took longer than that to file the lawsuit. That in addition to never serving me or sending written notice of a lawsuit I believe makes the lawsuit illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: Ditech Financial LLC
State: NJ

Complaint narrative:
Good afternoon ... I was examining my credit report from XXXX & I noticed I had one negative report on my credit report from Ditech Financial. Details of the XXXX  credit report ( with Ditech as the vendor ) state I was 30 days late on my XX/XX/2017 mortgage payment. I contacted XXXX dispute resolution dept. and placed a request to have the error corrected. Ditech did not correct the error on the resolution report produced by XXXX. I attempted to contact Ditech directly but could not find a phone number or web address to remedy my complaint. As the attachment indicates, Ditech documents they received my XXXX payment on XX/XX/2017, within my 15 day grace period. Because the payment was received within the 15 day grace period and since no late fee was imposed I believe my payment was not late and the negative report should be removed from my record. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: NY

Complaint narrative:
My student loan from XX/XX/2014 to XX/XX/XXXX shows that I was late on my credit report. I attended school before this date and after XX/XX/2014 I was told that my loan was deferred and it would be backdated from XX/XX/2014. I look at my report and it still shows that I am late. They have updated my XXXX   report and removed the late payments. I have disputed this with all three credit bureaus and they still show up late in Experian and XXXX please fix this. I know that there is a dispute with the Attorney general with the XXXX student loan from the college I went to. Although I want my credit report to be updated please. I am aware of the law suite many years ago involving XXXX with not disclosing information to students on other behalf when you need a deferment or even letting students know of there option I am sure this is what happen and this is a mistake please remove the late notes in my report

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 2019-03-26 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
8 months ago i spoke with a supervisor at ally financial in regards to them calling my family members as well as the car salesman that sold me the car whenever i got behind on my car note. They assured me that they will remove all numbers that is not my contact number so no one else other than myself would receive a call if i ever fell behind again. i have also inquired on a bill they are charging me for a repossession fee when my car has never been repossessed. i have spoken with several people as well as management in regards to this charge but yet have not have it resolved and i still am getting billed for it. it has been over 6 month and no one has returned my call or have not removed this fee. 
now that i have fallen behind again they have started to call the salesman that sold me the car ( a person i don't know personally ) my parents and a friend. when i call them and ask for a supervisor, all they do is put me on hold or say that all of the supervisors are in a meeting than fowards me to a voice mail. i don't understand how every supervisor for such a large organization is always in a meeting when i ask for one!

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 2019-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: WI

Complaint narrative:
This is a debt that was paid. This money was taken out of my mother 's tax refund. Also they are billing ME for it now and at the time I was XXXX years old. I called them and they insist this is my debt. I am XXXX. I was born in XXXX. The date of service was XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXXXXXX XXXX isnt my lien holder at XXXX XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: EQUIFAX, INC.
State: MS

Complaint narrative:
i have tried to work with equifax concerning my credit report, they are still showing my report closed for my automobile when it should be open.I purchased the car XX/XX/XXXX and still have it in my possession. this is damaging my score and stressing me out because i cant get approved for anything.i have wrote XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX concerning this item and still no reply. need help in solving this issue because they have violated the 30 laws by not responding within the time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ad Astra Recovery Services Inc
State: WI

Complaint narrative:
Ad Astra Recovery Services has issued a balance on my credit report for {$750.00}. This balance has been on my report for 5 years. This balance was included under my bankruptcy. Over the years, I have made several calls to this company to get it removed from my credit report and they wont listen. They keep changing dates and it is becoming very frustrating. I have also tried disputing this charge with know success. I am asking that this balance gets deleted from my account asap. They are destroying my credit for a balance I don't owe. Everyone who have spoke to were rude, disrespectful and unhelpful. I was often yelled at, and once hung up on, although I was talking very politely. I was also left on hold for several mins, after 1 rep did agree that the balance should not have been reported to the credit bureau. After that she disconnected the call, and each time I called back no one was able to transfer me to her and said there were know notes on the count. This company is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Unauthorized inquiry

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 2019-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: MN

Complaint narrative:
There was a {$500.00} purchase from XXXX and multiple purchases to XXXX. Then a form of payment was tried to be made but got denied and payment was reversed so now I have twice as much to owe on that credit card. It's a XXXX Crdit Card.

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 2019-03-26 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: NC

Complaint narrative:
Mixed file with XXXX XXXX, which has caused our credit reports to merge.

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 2019-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Cawley & Bergmann, LLP
State: FL

Complaint narrative:
I keep receiving calls from the office of XXXX XXXX  XXXX but nowhere in the voice message did they say what the call was about, they just said it was a business matter. I have the voice mail saved on my phone if you need me to send it to you. They are trying to collect a debt but I have no idea who they are and why they are calling me. They should only contact me via mail and never call. This is after I mailed a letter to the collection company requesting information on the alleged debt. I believe they are infringing in my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: We Collect Inc
State: OR

Complaint narrative:
I received an alert from a credit monitoring company I pay notifying me That XXXX XXXX had placed a derogatory account on my XXXX credit report XX/XX/XXXX, which in turn reduced my credit score significantly. 
I never received any written communication from XXXX XXXX, and never received any phone call from XXXX XXXX. I called XXXX XXXX XX/XX/XXXX and spoke with XXXX, who notified me this account was for " XXXX XXXX '' and was in my maiden name. My account with XXXX XXXX was closed in XXXX, I filed Chapter XXXX Bankruptcy in XXXX which was closed XX/XX/XXXX, and this debt was included with my bankruptcy case # XXXX. At some point in either XXXX or XXXX I was contacted by a XXXX XXXX regarding this debt and let them know at that time this debt was included in my bankruptcy and I was told that the collection company made an error and they would remove this account from their system. Here we are 8 years later and XXXX XXXX and XXXX XXXX are still trying to collect on a debt not owed. XXXX at XXXX XXXX said she would remove the reporting from my credit report and update my account with them, however the damage is already done to my credit score due to XXXX XXXX 's erroneous reporting. In addition their collection practices are inept, I was never notified about this debt prior to them reporting it to my credit, and never given the opportunity to dispute prior to XXXX reporting it to my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation