vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-29 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: IL

Complaint narrative:
On my Experian credit report I had filed a dispute for an account that was open under identity theft fraudulent activity. I had mailed a copy of the police report that identity theft affidavit from the FTC website. they requested more self-identifying documentation which I submitted my bill and a copy of my ID and Social Security. I requested the updated credit report file and the fraudulent account is still being reported. I specifically called Experian and talk to a customer service representative and she went through the paperwork on file that I had submitted telling me that I need an updated police report and either way they ( experian ) did not have authority to remove the account from my credit profile.
I 'm getting really frustrated because I submitted the same print out documents to XXXX and XXXX at the same time ( around end of XXXX ) for the same account and both companies successfully deleted that account from being reported on my credit report. I called Experian the second time demanding that they remove the account from my report because I had submitted all supporting documentation around XXXX XXXX, 2017. The customer service representative refused to remove the account even though I had the police report on file with Experian.
And I received a phone call and attempt to collect a debt from the creditor where the fraudulent account was open, they called me on my cell phone did not verify who I was and started accusing me of opening the account. I specifically wrote a cease and do not contact letter to the Creditor. The Creditor has violated my right by calling my cell phone after I demanded they stop contacting me. I never gave them my cell phone to call I do n't know how they obtained to my phone number. I feel like I was being harassed because I asked them if they had on file my request to not contact me and the gentleman on the phone simply started to tell me I need to make a payment and I have an account that needs to be paid.
I have suffered and I have been denied credit because of this collections account the bad payment history on the account and the amount of the account it 's been a long time I have been going through the process to get this account removed and these companies are giving me hard time I want to seek compensation, credit repair for the damages done to my good payment history. Also the balance that the Creditor is reporting to the credit bureaus has gone up but supposedly the account is in collections?

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 2017-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I applied for a Citi / AAdvantage Executive Card and though I have over a XXXX credit score and met all of their qualifications, Citibank did not give me a reason for declining my application.
I believe since the representative knew I was a gay man he changed his demeanor on the phone dramatically. I was initially told it would not be a problem and then when he asked me if my spouse would be a co-signer I stated that I am not married but engaged to another man. Also, I told him I was an american citizen and I guess due to my XXXX accent he did not believe me. Two strikes apparently.
He sounded alarmed and then cut the conversation short. I am very concerned about their conduct and am extremely hurt by being turned down for the card. I have impeccable credit and have thousands of disposable income. I make over $ 85K a year and no debt.
I have made a copy of FICO score for your review. Please help me.
Thanks, 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 2017-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: MS

Complaint narrative:
Trident management continues to report to XXXX credit reporting agency XXXX accounts that do not belong me. I have asked for validation on two different dates which has yet to be provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On Saturday, XX/XX/XXXX, I went to XXXX XXXX XXXX on XXXX XXXX in XXXX XXXX XXXX, Florida, to test drive a new car. I found a car I liked and negotiated with the saleswoman, XXXX XXXX, but we never reached an agreeable price. I specifically asked her if the credit inquiry she needed would appear as a hard inquiry on my credit report, because at that time I was not applying for any type of financing as we had not agreed on the sales price. She specifically told me that the inquiries are soft inquiries. However, I noticed today that not one, but two, hard inquiries are appearing on my Equifax report. I tried to contact Equifax online and by phone but was unsuccessful.
I would like these two hard inquires-one from " XXXX  '' and one from XXXX XXXX XXXX, XXXX datedXX/XX/XXXX, to be removed from my credit report as soon as possible, as I am currently trying to finance a new ( or used ) car.
Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
We filed complaint XXXX with the CFPB regarding XXXX XXXX XXXX XXXX 's dishonest practices and on XX/XX/XXXX, XXXX replied to CFPB ( and us ) acknowledging that despite their 10 months of harassment and claims to the contrary that our loan account was in fact PAID-IN-FULL- AS-AGREED, last XX/XX/XXXX ( just as we had stated ). In their XX/XX/XXXXletter XXXX promised to correct the reporting to the credit agencies, but in fact XXXX just ( on XX/XX/XXXX ) dishonestly reported to the credit agencies that we were over 120 late and there was a balance {$2000.00} which are both incorrect, see XXXX 's letter dated XX/XX/XXXX acknowledging this.
In the years we have dealt with XXXX they have NEVER done what they said they would do and XXXX  would not have written the attached letter acknowledging their errors, if we had not provided the CFPB with documentation proving our claims. CFPB is XXXX 's regulator Agency, Please make them follow the law and correct ALL their errors and our credit. XXXX should not be able to violate Dodd Frank and the Fair Reporting laws in this matter without dispensary action.

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 2017-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
We filed complaint XXXX with the CFPB regarding XXXX XXXX XXXX XXXX 's dishonest practices and onXX/XX/XXXX, XXXX replied to CFPB ( and us ) acknowledging that despite their 10 months of harassment and claims to the contrary that our loan account was in fact PAID-IN-FULL- AS-AGREED, last XX/XX/XXXX ( just as we had stated ). In their XX/XX/XXXX letter XXXX promised to correct the reporting to the credit agencies, but in fact XXXX just ( on XX/XX/XXXX ) dishonestly reported to the credit agencies that we were over 120 late and there was a balance {$2000.00} which are both incorrect, see XXXX 's letter dated XX/XX/XXXX acknowledging this.
In the years we have dealt with XXXX they have NEVER done what they said they would do and XXXX  would not have written the attached letter acknowledging their errors, if we had not provided the CFPB with documentation proving our claims. CFPB is XXXX 's regulator Agency, Please make them follow the law and correct ALL their errors and our credit. XXXX should not be able to violate Dodd Frank and the Fair Reporting laws in this matter without dispensary action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29 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: CA

Complaint narrative:
We filed complaint XXXX with the CFPB regarding XXXX XXXX XXXX XXXX 's dishonest practices and on XX/XX/XXXX, XXXX replied to CFPB ( and us ) acknowledging that despite their 10 months of harassment and claims to the contrary that our loan account was in fact PAID-IN-FULL- AS-AGREED, last XX/XX/XXXX ( just as we had stated ). In theirXX/XX/XXXX letter XXXX promised to correct the reporting to the credit agencies, but in fact XXXX just ( on XX/XX/XXXX ) dishonestly reported to the credit agencies that we were over 120 late and there was a balance {$2000.00} which are both incorrect, see XXXX 's letter dated XX/XX/XXXX acknowledging this.
In the years we have dealt with XXXX they have NEVER done what they said they would do and XXXX  would not have written the attached letter acknowledging their errors, if we had not provided the CFPB with documentation proving our claims. CFPB is XXXX 's regulator Agency, Please make them follow the law and correct ALL their errors and our credit. XXXX should not be able to violate Dodd Frank and the Fair Reporting laws in this matter without dispensary action.

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 2017-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
The company was not able to stop the sale of my home after stating they could stop the sale. They said Wells Fargo refused to mod my loan due to the fact the sale date was in side of 37 days which is require to duea mod.

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 2017-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XXXX/XXXX/2017, I signed a dispute letters and mailed them to all XXXX credit bureaus.
In the letters, I asked for my name to be correctly reported. I enclosed both my ID and Social security card. I also disputed my personal information online. I received results from Transunion on XXXX/XXXX/17 stating my name was updated. However it was still Incorrect.
My Name is : XXXX XXXX XXXX They have me listed as XXXX XXXX. That is not my 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 non-monetary relief
Consumer complaint received 2017-07-29 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: GA

Complaint narrative:
On XXXX/XXXX/17, I received dispute results from Transunion stating that an Account had been verified. On XXXX/XXXX/17, when I mailed my dispute letters, I requested that any account that was deemed VERIFIED needed to be accompanied with written poof from the creditor. I did not received any validation or verification information for this unknown debt. The creditor is listed as XXXX XXXX XXXX XXXX XXXX .
I have no knowledge of this company. I have never entered into any contract nor have I heard of this company.I am requesting the name, address and phone number of whomever at the company verified or validated this information. Also, I would like to see a signed agreement between me and the XXXX XXXX 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 2017-07-29 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX

Complaint narrative:
Urgent Matters!! Prestige wants to reposses my XXXX XXXX XXXX XXXX  in which I have been making timely payments from XX/XX/XXXX till present. Prestige Administration are now in Retaliation because of my filed complaints with Consumer Financial Protection and Federal Trade Commission and Department of Justice ADA Disability Act Civil Rights.
I just like to have a affordable payments under $ XXXX- {$480.00} with a lower interest rate under 17 %.
I am willing to start making my timely affordable monthly payments starting XX/XX/XXXX.
Prestige wants to also wants to report me to a collection company and destroy my credit ratings with XXXX, XXXX and XXXX.
I am XXXX Lifetime and Retired.Why Prestige administration are mistreating our Military Veterans and Citizens on Disability Lifetime?
I have requested a Federal Investigations against Prestige Administration immediately.
I will send copy of evidence of Prestige on Escalating their Retaliation against me.
Repossession of my vehicle and reporting collections and negatives to credit reporting agencies.Is this how Prestige Financial Services mistreat and Retaliated against Hispanic XXXX Military Veterans?
With Respect the Federal Government should consider my request of Federal Investigations.Prestige does n't want to accommondate on my Disability Lifetime under ADA Disability Act.under the Department of Justice.
I am requesting also with respect that Department of Justice ADA Disability Act Civil Rights Division intervene on my complaints also.
Urgent Matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions.
State: GA

Complaint narrative:
On XXXX/XXXX/17, I received notification from XXXX that a debt from a collection company by the name of FINANCIAL BUSINESS AND CONSUMER SOLUTION was verified as accurate. I have never heard of or entered into any agreement or contract with this company. I am requesting written proof of any debt that I have with this company. I am requesting the name, address, phone number, and a signed contract that validates this erroneous debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XX/XX/XXXX I contacted company via Phone XXXX to inquiry about its listing on my credit report. Company claims to be collection on behalf of XXXX, and stated i owe {$510.00}. I informed Portfolio Recovery that all business with XXXX has and had been settled prior to account being closed at my request in late XXXX. I also informed Portfolio Recovery that reporting a debt to my credit, without notifying me is against FDCP and to please remove their listing and provide me with what ever records, statements, and proof that they may have. To date i have not received any further correspondence, records, statements, phone calls or proof that i owe any such bill. Company continue to verify listing as accurate when it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNTRUST BANKS, INC.
State: CT

Complaint narrative:
A credit was issued for a dispute, claim XXXX, on XX/XX/XXXXin the amount of XXXX. The item in dispute, XXXX from XXXX, cause an overdraft fee when it posted on or aroundXX/XX/XXXXin the amount of XXXX. I was told any fees associated with transaction would be credited back once claim is resolved. Again, I see a credit was issued but do not know if claim is resolved in my favor or not. If so, I need overdraft fee credited back ASAP

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 2017-07-29 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
Comenity Capital and I agreed to settle this account for {$1500.00}. The first payment of {$370.00} each month starting XXXX XXXX, 2017 ending with a final payment of {$370.00} received XXXX XXXX, 201 ( see attached bank statement ). The money was deducted from a debit card each month belonging to my mother, XXXX XXXX. As of XXXX XXXX, 2017, upon checking XXXX Credit reporting agency, the balance is being reported as {$1200.00}, when the balance should be 0. Attached are all documents needed to support this agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Account Resolution Corporation
State: AR

Complaint narrative:
The collection company ACCOUNT RESESOLUTION CORP. Balance Date XXXX/XXXX/2017 and is attempting to collect on a medical bill from XXXX Clinic in the amount of {$39.00} of which, they have no right to collect. This bill was paid in full to the hospital directly. I disputed this information on my credit report yet, they are reporting that the collection account is open and validated according to the FCRA. on my credit reports to XXXX and XXXX. This is fraudulent information. It is apparent that the collection company has failed to do their due diligence in validating this debt and are inaccurately reporting this debt. If they fail to completely remove this collection account from my credit report, I shall file suit in the State of Arkansas and sue for damages to my good name, and for damages to my financial situation.
I have attached a word document showing the information currently being reported on my credit report as of XXXX/XXXX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
American Express offer to enroll me to automatic accident insurance every time I booked a ticket under my card. In the past, I kept on complaining that I should not be charged for insurance if the plane ticket is not under my name. I trust them that they will not charge me because I already placed several complains about this. So what I noticed whenever I had a chance of checking my charges I saw some automatic insurance charge and I even have a record in their system about my complain. Again, I saw some charges these past few months and I was told that the policy of the insurance company who is Amex partner change that every time a plane ticket is charged regardless if its me or not will be charged with automatic accident insurance fee. I was told that they send letter about it and XXXX me because I fail to read it, I am now penalized for automatic accident insurance regardless who is the passenger.
I 'm not a lawyer but this is a sneaky way of doing business with a loyal client for the past 15 years. If I will enter into an insurance agreement, I must clearly consent it.
This sneaky way of generating revenue should be stopped and I need to know what available option I have because I spent so much time fixing this instead of going to work. I 'm not only losing money here, but I also lost time which I 'm supposed to be earning money to iron out these constantly repeating issues.
Thanks for your help, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST CONTINENTAL MORTGAGE LTD
State: TX

Complaint narrative:
On XXXX XXXX,2017 I received collections and process of foreclosure on my home.
I have not receive a approval from First Continental Mortgage on my VA Loan Modification and affordable mortgage payments have not been implemented.
I already contacted HOPE Program Counselor on Satuday. XXXX XXXX,2017 and I have a case caller ID # XXXX ( HOPE Program contact XXXX .I am already enrolled.I can not afford to pay {$5600.00}.
VA Loan Modification should have been approved and completed. We are going to the month of XXXX 2017 and like to start making my affordable timely VA Mortgage payments starting XXXX XXXX,2017.
I will send verification on First Continental Mortgage collection by electronically email to Federal Government and ADA Disability Act under Department of Justice.I am XXXX Lifetime and Retired and love to stay in my home.
Urgent Matters!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I had a judgment on my account from XXXX XXXX XXXX that was removed because of the insufficient identifying information that is required for the account to be reported on my credit report per the new law change effective XXXX XXXX, 2017. They had this judgment twice on my credit report. As a judgment AND an account ( in which it was only a judgment ). This judgment that is currently being reported improperly needs to be removed immediately off 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 explanation