vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-06 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: FL

Complaint narrative:
From XXXX on my trans union report in the amount of {$1100.00}. Original day was XX/XX/XXXX and I disputed on XX/XX/XXXX. They did not remove it from my report, however, they did remove one from XXXX on XX/XX/XXXX in the amount of {$2100.00}. 

This is a gross error.

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 2019-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I previously sent an inquiry to the credit bureaus to have debt collections removed from my file and it is still on my credit report ... ..these debts was obtain without my permission and I have filed identity theft report ... please remove from my file

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 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: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I contacted XXXX XXXX about my XXXX XXXX Credit Card. I had misplaced the card and requested a new one. One week later, I was notified by XXXX  that the XXXX XXXX XXXX  Account had DELETED ENTIRELY from my credit profile, causing my FICO SCORE to DROP XXXX POINTS!!! 

I immediately contacted XXXX and they told me I should dispute it- which I did. Nothing changed. I called XXXX back, and they told me they had made the adjustments on their end. 

To date, that has not occurred. I have emailed XXXX and contacted them no less than 5 times both via telephone and in writing. And not ONE change has been made. I have an OPEN ACCOUNT with a BALANCE DUE which is NOT reporting on my credit report.. 

Certainly people have lost a credit card without having it wiped off their credit report- why is this so DIFFICULT?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-06 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: CREDIT WORLD SERVICES, INC.
State: KS

Complaint narrative:
Are you kidding me? the last time the spoke to me was XXXX2018? I have been contacting them through the CFPB. Are they really that lame? I was told it takes 30 days for this to be removed and we are now into the 90 day time frame and it is still on the XXXX report. So again Credit World has been in contact with me through this portal please get the facts straight. I was getting absolutely no where when dealing with these people directly!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I previously sent an inquiry to the credit bureaus to have debt collections removed from my file and it is still on my credit report ... .these debts was obtain without my permission and I have filed an identity theft report ... ..please remove from my file

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 2019-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MT

Complaint narrative:
XXXX-2018 I submitted a complaint and this has been removed from my credit profile and consumer credit reporting agencies. This is not my account. But USAA has shared my info again with another credit collection agency and I am being called repeatedly. I told the man calling me I could prove I am not on this loan and do not call me anymore he stated that this would not do me any good. I WANT THIS TO STOP! USAA NEEDS TO REMOVE ME PERMANENTLY AND NOT SHARE MY INFO AGAIN I DO NOT WANT THEM TO HAVE MY INFO!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: GreenSky, LLC
State: WI

Complaint narrative:
The building I financed through Greensky was never completed by the contractor. I filed a complaint on XX/XX/XXXX, case number XXXX through Greensky to get the building finished before we would begin payments. This drug on through XX/XX/XXXX, with me providing to Greensky, and estimate of the cost to finish the building since the contractor wouldn't do it. I also filed a complaint against the company XXXX XXXX, XXXX XXXX XXXX, XXXX, Ar XXXX, phone XXXX through the XXXX Attourney Generals office, complaint # XXXX trying to either get the company to finish the job, or deduct the price of the unfinished building costs from the loan costs. XXXX  XXXX stated to the Attourney Generals Office on XX/XX/XXXX that they would come and finish the job. I have had no further contact since then. I do not feel Greensky should be charging me now, when they held off throughout the complaint process on charging principal or interest until this was resolved. Then without notice of the problem being resolved, they sent me a monthly payment due notice dated XX/XX/XXXX. I feel this problem of an unfulfilled contract and unfinished building needs to be resolved before payments begin. When I called the Greensky to let them know I would not be making payments until the building was complete, their response was " we will ruin your credit :.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 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: CT

Complaint narrative:
I contacted XXXX XXXX about my XXXX XXXX Credit Card. I had misplaced the card and requested a new one. One week later, I was notified by Experian that the XXXX XXXX XXXX Account had DELETED ENTIRELY from my credit profile, causing my FICO SCORE to DROP 25 POINTS!!! 

I immediately contacted XXXX  and they told me I should dispute it- which I did. Nothing changed. I called XXXX back, and they told me they had made the adjustments on their end. 

To date, that has not occurred. I have emailed XXXX and contacted them no less than 5 times both via telephone and in writing. And not ONE change has been made. I have an OPEN ACCOUNT with a BALANCE DUE which is NOT reporting on my credit report.. 

Certainly people have lost a credit card without having it wiped off their credit report- why is this so DIFFICULT?

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 2019-03-06 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I paid a moving company to move my furniture, the owner broke furniture, he has no insurance ( but had sent a fake insurance certificate of liability to make it seem like he had insurance ) ( this screams insurance fraud ) he will not replace the bed post he broke. I disputed with American Express but he lied several times so they sided with him ... ..I asked amex what would it take to prove he owes me the money and they said if I took him to court and won a judgment then they would side with me and I would win the dispute and he could no longer appeal etc. I took him to court the owner wanted to mediate and so he agreed IN COURT that he would pay me the {$750.00} ( I have the consent agreement he signed in court that day ) but he has yet to pay me and amex said since I now has court documents saying he agreed to pay I have to get my money from him some other way and that I can no longer dispute the charge. I have had this account with American Express for over 20 years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-06 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: TX

Complaint narrative:
Equifax enclosed is a copy of your reporting I have requested that you remove this account in question for false, inaccurate reporting on your behalf .I 'm not requesting an investigation but stating the fact that the report is wrong, inaccurate and under the FCRA requires it to be removed from account. Documents enclosed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 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: OH

Complaint narrative:
My name is XXXX XXXX please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. My current and only address. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX XXXX   XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OHXXXX The following accounts are not mine I have never had an account with these companies : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX # XXXX. Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,

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 2019-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am a victim of fraud i tried to open acount at XXXX  not knowing someone has open not one but 2 accounts with my social security bank amercia reported XX/XX/XXXX XXXX XXXX XX/XX/XXXX. Please i need help with these 2 items

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 2019-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: National Commercial Services, Inc
State: VA

Complaint narrative:
I received letters in the mail from collection agency National Commercial Services claiming I first owed $ XXXX then XXXX. When I called, to find out what this was about, they were nasty, threatening and said I couldn't dispute the collection. Their letter states they will suspend my driving privileges for failing to respond or pay. The case comes from a driving incident I had in XX/XX/XXXX. The plaintiff sued her insurance company for personal injury funds and her company submitted a claim against my insurance company in which they denied payment. Now, her insurance, XXXX XXXX, has submitted the suit to NCS for payment. 

I started receiving letters in XX/XX/XXXX. Please note that at no time between XX/XX/XXXX and XX/XX/XXXX did I receive any notification that a case had been filed. I was never informed by my insurance or hers, never officially served by a sherrif or other law enforcement agent regarding a trial, nor was I named in the case heard in XXXX XXXX, Maryland. I don't understand how they have identified me as the owner of this issue and how they can say I am obligated to pay this without any proof other than a computer print out from their internal system of a payment allegedly showing a check paid either to or from the Law Offices of XXXX XXXX XXXX. 

Additionally, their collection letter doesn't state that a ) it's an attempt to collect a debt and b ) that I can dispute it. 

I have contacted my lawyer, the courts and both insurance companies. No one has a clear answer on whether or not this situation is legitimate and given NCS 's  threatening business tactics and the simple fact they can't produce solid evidence leads me to believe this is a fraudlent attempt to collect a debt that hasn't even been entered in for judgement at this point ( how can it be if I wasn't named? ). 

I have sent them a check for {$51.00} to keep them at bay until I can figure this out. I really need help though. I think I am being taken for a ride.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I got a scam call about my student loan Yes this is XXXX XXXX and I'm calling in referenced to your Federal Student Loan. I need to discuss your repayment options with some new changes that have taken effect recently. So, if you could please be sure to give me a call back, my number is XXXX. And I am going to give you a reference number, if you would please have this handy when you call back, that would be very helpful. Your reference number is XXXX. Thank you! ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to request the removal of unauthorized credit inquiry/inquiries on my XXXX, Experian and XXXX ) credit report. My latest credit report shows 10 credit inquiry/inquiries that I did not authorize. These inquiries are over a year old and I was shopping for a car XX/XX/2018 from one dealership and they put all these hard inquiries on my credit with my consent. The number of inquiries exceeded what I expected. I felt pressured into getting car financed with dealership. These inquiries are affecting my FICO score and me trying to refi my mortgage.

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 2019-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was trying to purchase shoes on XXXX XXXX so he said to send it through XXXX and he will ship the shoes and once i sent the money he never sent anything p

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 2019-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
On XX/XX/XXXX, I received a voicemail from a restricted number stating intent to serve me legal papers between XXXX and XXXX the next day. I called the phone number and referenced the case number provided on the voicemail. A gentlemen advised me that the company he represents, XXXX XXXX XXXX, was retained by Wells Fargo to make a recommendation on how to proceed. He said they were looking to file a civil judgement and pursue me for a charged off checking account. The amount owing was {$1900.00} and they were seeking up to three times that amount. I remembered having such a checking account when I lived in MN and I was much younger. I do believe this account was past the statute of limitations to collect on. I also advised the representative that I had filed a chapter XXXX no asset bankruptcy in XX/XX/XXXX and it was XXXX. He placed me on hold to speak with a supervisor. When he came back he did say that indeed my bankruptcy did cover this debt. I was relieved but definitely in a state of panic. This company should not have contacted me at all! They should have done more research on the age of the debt and the fact that it was XXXX through bankruptcy.

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 2019-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to request the removal of unauthorized credit inquiry/inquiries on my XXXX, XXXX  and TransUnion ) credit report. My latest credit report shows 10 credit inquiry/inquiries that I did not authorize. These inquiries are over a year old and I was shopping for a car XX/XX/2018 from one dealership and they put all these hard inquiries on my credit with my consent. The number of inquiries exceeded what I expected. I felt pressured into getting car financed with dealership. These inquiries are affecting my FICO score and me trying to refi my mortgage.

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 2019-03-06 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: MD

Complaint narrative:
I am writing to request the removal of unauthorized credit inquiry/inquiries on my Equifax, XXXX  and XXXX ) credit report. My latest credit report shows 10 credit inquiry/inquiries that I did not authorize. These inquiries are over a year old and I was shopping for a car XX/XX/ 2018 from one dealership and they put all these hard inquiries on my credit with my consent. The number of inquiries exceeded what I expected. I felt pressured into getting car financed with dealership. These inquiries are affecting my FICO score and me trying to refi my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DYNAMIC RECOVERY SERVICES, INC.
State: AZ

Complaint narrative:
On XX/XX/2019 at XXXX we received a call ( XXXX ) with a recorded message for an XXXX XXXX stating that they needed to call back XXXX XXXX ) and reference case # XXXX as a case is being filed in their county. After pressing 0 the initial operator did not give any information about the company and put the call on hold until it was hung up a few minutes later with no warning. I called the number given and the operator said the company is DYNAMIC RECOVERY and stated that he would try to get our number removed. These calls have persisted even after asking for our numbers to be removed previously

Company response to consumer: Untimely response
Consumer complaint received 2019-03-06 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I bank at Wells Fargo and because of my good credit, I applied for a credit card that I paid on time. I had some health problems and was hospitalized and I wasn't able to make 3 payments on time during the months of XX/XX/XXXX XX/XX/XXXX and XX/XX/2018. After my health improved I went inside the bank and spoke with a rep and decided to pay the account off in full. I expressed concerned about the key derogatory marks that were showing on my report, the rep explained that after I pay the account in full, it would show me current and reverse the bad markings. Well after that when I reviewed my report months later, the account notes says '' it was settled for less the balance '' and the key derogatory marks for XXXX XXXX and XX/XX/2018 were still there reporting. To add insult to injury, two more key  derogatory marks were added for XX/XX/XXXX and XX/XX/2018 after the account had been paid off. I am trying to get qualified to buy a home and these derogatory marks are affecting me adversely. I tried contacting Wells Fargo but they say that they cant be removed and to contact the credit bureaus. The credit bureaus say wells Fargo is verifying the account. I just want to buy my home.

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 2019-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I received repeated harassing calls multiple times daily from phone number XXXX. A quick search of the internet results in Midland Credit Managements website stating that the phone number belongs to them and should you get a call from that number to contact their company about a debt collection matter. I called the company and was told by multiple people that they do not have any accounts related to me and that they are not able to stop the harassing phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Someone open fraud account with my social security with td bank it was reported in the check system XX/XX/2015 i was not aware of the situation never was told to me everytime i tried to open checking account i was denied

Company response to consumer: Closed with non-monetary relief