vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-04 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: TX

Complaint narrative:
I am a victim of identity theft. I called Experion on XX/XX/2018 to have the inquiries as a result of identity theft removed from my report, as their website instructs. Their representative explained to me that the inquiries can not be removed by Experion, but only by the bank they originated from. When I objected to what seemed to be in error of Experion 's stated policy, their representative, whose name he gave as " XXXX  '' said to me " Look, I'm explaining to you what our policy is, if you don't like it, I can't help it. Thank you and have a nice day '', and hung up. 

I also utilize Experion 's {$20.00} per month credit protection. I do not feel that the way this call was handled was in any way professional or in a respectful manner.

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 2018-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
It has been once year ( XX/XX/XXXX ) since attempted to fix this issue that was created using my name and SSA #. XXXX used my information on someone else account at a different address than mine. The did their part to " XXXX '' the error from my account and my personal information. They removed the information from one collection agency, but a year later another collection agency has placed this debt that is not mine on my credit report. I have been calling XXXX  and I called the collection company. They each say the other have to remove it. Today XX/XX/XXXX I receive a text from XXXX  saying that they are giving me a credit for this amount. I don't need a credit. I need this taken off of my credit report. I found out who the person was that they were looking for after XXXX texted me the return information for the fraudulent person 's equipment with her address label. The address of the equipment is not mine, nor has it ever been mine. I have gone through XXXX 's theft unit, XXXX unit, and they even unknowingly put another 2 year agreement on my new account without informing me of this. Which would cost me to close my account with them. This is wrong. I need help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-04 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:
While XXXX from XX/XX/XXXX to XX/XX/XXXX ( see attached " Certificate of Discharge '' document confirming my incarceration ), someone stole my personal identification documents ( driver 's license, Social Security card, birth certificate, tax returns, bank and credit card statements, and other sensitive financial documents ) and used the information gained from those documents to fraudulently open a credit card with XXXX XXXX XXXX on XX/XX/XXXX. I became aware of this fraudulent acct when I obtained a copy of my credit reports and saw this acct being reported. 

This fraudulent acct is currently showing a balance of {$4000.00}. The last 4 of the acct # are XXXX. 

This transaction was not made by me or authorized by me. I have not at any time made my personal identifying information available to anyone, and have not benefited from this transaction in any way. 

On two occasions ( XX/XX/XXXX and XX/XX/XXXX ) I reported this fraudulent account to Equifax and sent them the attached dispute letter, police report, proof of incarceration document, and other supporting documentation. On the first occasion in XX/XX/XXXX, they opened up a dispute, conducted an investigation, reviewed all of my documents, and determined that it was in fact a fraudulent account and removed it from my credit report in XXXX XXXX. It remained blocked from my credit report from XXXX XXXX until XX/XX/XXXX when it started being reported again. I filed another dispute with Equifax in XX/XX/XXXX and sent them the same documentation I had sent them back in XX/XX/XXXX when they properly removed the account from my credit report. However, since I re-disputed this fraudulent account in XX/XX/XXXX, Equifax has failed to stop reporting this fraudulent account again when there is no doubt that I could not have opened this account if I was incarcerated. 

In accordance with the Fair Credit Reporting Act, I have submitted all required documentation and statements to prove that I was the victim of Identity Theft. However, in accordance with section 605B of the Fair Credit Reporting Act, Equifax is failing to adhere to its responsibilities and block this fraudulent account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I contacted a collection company that is the only negative thing on my credit report. I asked them to give me a better rate and i would like to pay it right away. I spoke to a supervisor named XXXX. I asked him to please provide me a debt letter as well as a letter in regards to our agreement which will state that I am paying them a lump sum of {$3500.00} and they will delete this off my credit report. He told me that by law he does not need to provide anything in writing and they will delete this off my credit report after i pay. I asked him politely to provide me a guarantee that this will be deleted and he refused. I contacted XXXX  and asked them if debt collectors can provide letters stating that after balance is paid they willl delete it from your credit report and experian said yes they must provide you a letter. Please help me resolve this issue. This is the only one account that is ruining my credit. My father had a XXXX XXXX in XXXX and was left a complete vegetable for almost 9 years. in XXXX he passed away and i had a hard time with finances. I am a single mom of XXXX with a good career and trying very hard to improve my credit, so i can be able to purchase a home. I can not afford to hire an attorney. XXXX  recommended i file a formal complaint with your agency

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Presto Auto Loans, Inc.
State: AZ

Complaint narrative:
I had took out a title loan and had to file bankruptcy a few months after taking out the loan and this loan was included in the bankruptcy. I was able to get that dismissed and then I get a letter they had possession of my vehicle and were going to sell it in 5 days. I made an arrangement with XXXX XXXX to pay {$1000.00} by the following Tuesday XXXX. She ended up raising it to {$2000.00} and then {$3000.00} by the deadline saying XXXX XXXX would not allow her to take less. I was able to get the funds to them. They also claimed I was being charged storage fees that they were renting a space to store my vehicle. I paid the balance off a few weeks later and it turns out they owned the lot my vehicle was at behind one of their stores. I am requesting a refund of the difference in the agreement of {$2300.00}. This company is unethical, misleads and are untruthful in dealing or making payment arrangements with the public. If they somehow take possesion of your vehicle they will charge additional " made up '' fees and hold the vehicle hostage to get additional money out of the public.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC
State: MI

Complaint narrative:
Security Credit Services continues to report to credit bureaus ( recently XX/XX/XXXX ) without validating this debt. I have no knowledge of what this debt is and have continually called this company, left numerous voicemails and have not been sent any validation information or return calls. This company is not licensed as a collection agency in the state of MI, their license lapsed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Levy & Associates, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX, I stopped into XXXX XXXX XXXX, where I am a frequent customer. The people there informed me they had received a WAGE GARNISHMENT in the amount of XXXX. I do not now, nor have I EVER worked there. I was a customer in good standing, now because of this illegal disclosure of debt elsewhere, I can no longer do business with them. I asked to see the paperwork they received as I knew NOTHING about it. They declined to share this with me. 
I then went and did a online search and came across the documents in XXXX County, Ohio courts. These documents are incorrect as filed by Levy & Assoc. There are 3 different amounts they claim I owe just in the single filing their filing supposedly files XX/XX/XXXX does NOT match the amount of the " judgement '' they included. and they further change the amounts in the affidavit they sent to XXXX XXXX XXXX, the address " Levy & Assoc . '' CLAIM to have mailed all documents to is incorrect as shown in their " proof of mailing '' - and I note that while they claimed to have sent certified, there is no proof of service from USPS in the file. The address in the headers of filing has correct address. My social security number is on the documents they sent to XXXX XXXX XXXX, and I have the names and addresses of alleged other debtors and amounts owed attached to MY file [ see notice of court proceeding ] So they have not only infringed upon my rights but those of at least 9 others and who knows how many more people they disclosed private information to in their mailings. 
Further, the judgement lien that they claim to now " own '', was adjusted back in XXXX through state of Ohio Dept of taxation, as THEY made an error and I sent them the proof they requested at that time making the balance XXXX, I never received any further communication from them stating I owed anything- now 2 years later I get this?. 
I have NEVER received a single communication from " Levy & Assoc '' in regard to this or any matter. 
I find it to be neglect and I feel intentional that they can get the correct address on the documents they FILE, but can not get that address correct when supposedly mailing me notification of pending court actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I have been called 3 times this company. They are looking for XXXX or XXXX XXXX. I am not XXXX or XXXX XXXX. I have told them 3 times that I am not XXXX ( I am female ) nor do I know a XXXX or XXXX XXXX. All 3 times I have told them to remove my telephone number from their calling list and all 3 times they have stated they will put this is the wrong number in this file and discontinue calling me. The newest call was yesterday at XXXX - XX/XX/18. They have called from the following telephone numbers XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Still today, XX/XX/2018, my personal checking account is in the " negative '' ( due to bank mismanagement ) retaliation/reprisal ( due to me filing previous CFPB complaint 's ) and the bank 's ( and bank representatives ) ongoing malicious DISCRIMINATION practices. Pending today, is {$28.00} for XXXX XXXX XXXX policies ( via ACH withdrawal ). Today, XX/XX/2018 @ XXXX I have deposited {$29.00} for the said, XXXX XXXX XXXX policies. I am continuing to experience repeated adverse actions practiced towards me and my personal checking account.ALL supportive documentation will be faxed to the CFPB. ALL documentation is strictly for the CFPB ( NOT, to be used, published or compromised in any way by the said bank or their subsidiaries. THE END!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: NV

Complaint narrative:
1. PNC Bank closed Holders account on XX/XX/2014. 
2. XXXX XXXX left the Holder of the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX an any way at any point in time. Account Holder died in this state. Medical Records Attached. 
3. Holder of the account required 24-hour, 7-day a week XXXXXXXX XXXX XXXXXXXX. 
4. Holder of account was in XXXX XXXXXXXX ON THE DAY PNC Bank closed the account Holders. Records Attached from XXXX XXXX XXXX. 
5. Holder of the account was unable to manage affairs. Letter Attached. 
6. Holder of the account was elderly - approximately XXXX years old. 
7. Holder could not communicate - PNC allowed UNAUTHORIZED family member to close Holder 's  Account. 
8. Holder of the account was XXXX XXXX XXXX to bank or XXXX   to PNC Bank. ( Obviously ) 9. PNC Bank was negligent in closing the account and failed to recognize Financial Elder Abuse. 
10. PNC Bank needs to be accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CHARLES SCHWAB CORPORATION, THE
State: NC

Complaint narrative:
I filed a complaint about a week ago but I didnt receive a confirmation so I dont know if I filed it incorrectly but just Incase Im going to submit it again but on XX/XX/18 I received an email saying that my XXXX  report had been pulled for a hard inquiry for my mothers account. I never gave permission to my bank to pull my credit and it makes no sense as to why they would pull mine because Im already a member and already had my credit pulled for my account. The lady from bank told me she also does not understand why they pulled a hard inquiry on me either because I got a hard inquiry pulled for my account earlier in the year. She told me to dispute it with the credit bureau. I know this is all a misunderstanding but my credit dropped 7 points and I got another hard inquiry and I only have two on my report and both are from same company! I was working so hard to get my credit to where it is now because I have been eyeing a card from chase for years which Im just now possibly capable of being accepted for but this hard inquiry and credit drop really change that possibility for me. Please help 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 2018-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
XX/XX/2018 - Wells Fargo charged my credit card for an upfront appraisal fee, my rate/term refinance did not require an appraisal ( XXXX underwriting allowed a " rapid value '' in this case ), and they did not refund the fee. The fee should have never been charged. 

XX/XX/2018 - I requested the $ XXXX allowable cash out for a " limited cash out rate/term '' refinance, Wells Fargo refused. 

XX/XX/2018 - I asked to speak with a manager and was refused.

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 2018-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CT

Complaint narrative:
i received an alert on my XXXX, XXXX & XXXX  credit report that a collection was added on XX/XX/XXXX. The company XXXX XXXX XXXX XXXX and the amount is XXXX. I have attached communication from ERC on XX/XX/XXXX confirming that the account was open fraudulently and the account does not belong to me. They did delete the information from my credit report IN XX/XX/XXXX but they are now re adding the information back onto my report IN XX/XX/XXXX and THE ACCOUNT STILL DOES NOT BELOW TO ME!! THE ACCOUNT THEY HAVE IS FOR SOMEONE ELSE THAT FRAUDULENTLY USED MY SOCIAL SECURITY NUMBER! AS YOU SEE IN THE NOTICE THEY STATED A " XXXX XXXX '' WHICH IS NOT ME AND THE CONTACT INFORMATION THAT IS NOTED IS NOT MINE! THE COMPANY IS DOING FRAUDULENT THINGS BY REMOVING THE DEBT THAT DIDN'T BELONG TO ME AND THEY ARE NOW RE ADDING THE SAME DEBT WHICH THEY ARE NOT ALLOWED TO DO!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I make my payments bi-monthly {$500.00} every two weeks and then I also try to pay an additional {$100.00} each month. Wells Fargo puts the money in an un-applied account and does not post the money correctly each month. This money should be going on the loan so it reduces my interest long term. 
Wells Fargo said the only way they can post the money correctly is to have them automatically take the money from my bank account bi monthly. This does not seem acceptable to me. What is the difference between me paying bi monthly and them taking the money? I don't want to give the bank access to my bank account, plus I don't feel I should have to do so. All I am asking is that Wells Fargo apply my payments properly. 
As of today XX/XX/XXXX I have {$1100.00} sitting in unapplied and my next payment isn't due until XX/XX/XXXX. Why isn't this money on my balance? 

Loan XXXX loan is under my Previous last name XXXX XXXX XXXX Thank you, 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 2018-10-04 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
My car, a XXXX XXXX XXXX ( XXXX ) was paid off since XXXX this year to TD Bank. I make the call to receive the car title and they told me it was going to take a couple weeks to receive it. Since then, I have contacted the bank several times to get the car title but nobody told me that there was anything pending. They confirmed several times the vehicle was paid off but the title was just taking long. After months passed, we ( My Husband and I ) decided to sell the car and requested once more the title from the bank but this time they told us we have to pay the dealer fees that were pending. Never in the past had they communicated this to me, nor do they sent any papers about missing fees! I told them to send me a bill of the pending charges through mail or fax, they Bank told me they were going to do it, but never did. I have requested a couple more times to send me proof of the pending charges so I can make the payment but they havent provided any bill, statement, or proof that something is still remaining/pending on the car to this date. I am unable to sell my vehicle because the bank refuses to send me the car title even though it was already completely paid off. I have financed other car in the past and consulted with friends and family, but they have never heard of dealer fees being paid separately after the car was already paid. Bank hasn't sent any documentation at all so I'm unable to attach any. Also I am unable to access my online account because they closed it when the car was paid off ( last payment confirmation number : XXXX on XX/XX/2018 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Numerous attempts to contact Equifax by phone and internet are met with " system down '' and " try this '' type of response .... none of which work. 
I have two addresses shown by Equifax, which were removed by both XXXX and XXXX   because they are fraudulent and were attempts to steal credit card information. 

I was recently refused opening an account at a bank because I denied ever living at either one of  those addresses. I had requested Equifax to remove them about two years ago when the attempt to steal my credit card was made but did not realize until I applied at a bank recently that they still exist. 

One method I have been given by Equifax to resolve this is for me to send by US Mail several sensitive documents that I don't want in the wrong hands. I have even accepted the invitation by Equifax to use their " TrustedID '', which should allow me to securely communicate with them. However, this has not worked and they simply keep saying to submit a dispute but has made it difficult, if not impossible, to do so. Seems like they want to push off people until they get frustrated at the process and give up. 

I will not give up and will contact my State Attorney General regarding their regulation of Credit Card Reporting Agencies. I have always had a credit rating about XXXX yet feel like I am a deadbeat when dealing with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX, stated that I recently opened an account with them in fact this was in XX/XX/XXXX-XX/XX/XXXX and was filed bankruptcy on I shows I have a open account of {$430.00} it was add to my list of bankruptcy. See supporting documentation.

Company response to consumer: Closed with explanation