vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: 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:
About 5 years ago my personal information was compromised and my identity was stolen. Over the passed few years I have noticed inquiries on my credit that I did not authorize and had no prior knowledge of, Sometimes it was accounts ( cable, phone, utilities ) most were easy to prove fraud. 
Beginning in XXXX I saw these instances become more frequent for a while it was over 30 per week. Whenever I learned of these I would contact the companies extending credit and notify them of the fraud. 
In XXXX I began to notice many apartments showing up, many of which were actually signed leases in my name and some were just applications. A lot had utilities connected in my name as well. 
Last year, I learned a XXXX person named XXXX XXXX was arrested in XXXX FL for fraud and counterfeit charges I contacted the apartments and learned he was claiming to be me and had an apartment in my name that was in default, he was giving the office fake checks to pay rent and was thousands of dollars in debt in my name. 
I have police reports and FTC filing but can get nowhere with the bureaus, collection agencies or creditors. 
I need assistance getting my life. Back. 
The companies are : -XXXX XXXX XXXX XXXX 1 ) XXXX XXXX XXXX XX/XX/XXXX {$4600.00} 2 ) XXXX  XXXX XXXX XX/XX/XXXX {$270.00} 3 ) XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX {$370.00} 4 ) XXXX   XXXX XX/XX/XXXX {$320.00} 5 ) XXXX XXXX XXXX XX/XX/XXXX {$100.00} - XXXX XXXX  XXXX 1 ) XXXX XXXX XXXX XX/XX/XXXX {$3300.00} - XXXX XXXX XXXX XXXX 1 ) XXXX XXXX XXXX XXXX   XX/XX/XXXX {$4700.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$540.00} -XXXX XXXX XXXX XX/XX/XXXX {$160.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$450.00} XXXX XXXX XX/XX/XXXX {$300.00} These are the ones currently showing. Some of these have part my correct info and some inconsistent. I need help reclaiming my life. I have statements, FTC Filing and police reports but I cant get the bureaus, agencies or creditors to help me. 

Can you assist me?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Systems,Inc.
State: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a student loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX  XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX   XXXX XXXX with no successful resolution. XXXX, TransUnion, and XXXX only reporting me under same account number 8 different accounts with multiple 90, 120 days late payments. There was an error on their part. I was never 90, 120 days late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a student loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX   XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX only reporting me under same account number 8 different accounts with multiple 90, 120 days late payments. There was an error on their part. I was never 90, 120 days late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Last XX/XX/XXXX I discovered that my XXXX XXXX odometer had been rolled back by XXXX Dealer in  my town. I had very serious engine problems had asked Wells Fargo to put a payment to end of loan in XX/XX/XXXX. It's been horrible financial strain Wells Fargo charged off the Truck in XX/XX/XXXX has refused to pick it up out of my driveway where it died in XXXX. I can not get anyone to come get it because I don't own the truck. I have made so many complaints to the AG of Ma, to CFPB, XXXX, XXXX, National Odometer Fraud. I have sent emails to Wells Fargo, Called every single day from XX/XX/XXXX to end of XX/XX/XXXX. I finally had to file chapter XXXX in XXXX because this hurt my credit so badly that I was unable to get a loan modification on my home. Wells Fargo had the nerve to submit a request for payment to the Chap XXXX court? I want this truck out of my driveway XXXX can't tow it, XXXX can't tow it I have been unable to get the snowblower out of my garage all winter and now I can not mow my lawn. I have XXXX XXXX XXXX so bad at night for the past year that I XXXX several of them and they were XXXX XXXX. I have had to pay so much money to have replacements put in my XXXX and the Doctors have never seen XXXX so bad. I just recently called the BK department end of XXXX demanding that they sent surrender papers to my chap XXXX attorney which as of today XX/XX/XXXX they still have not done. I have called and spoke to WFs 3 different times since first week of XXXX and they record all calls so I know the over 125 call I have counted since XX/XX/XXXX can be verified. I need the Truck picked up by Wells Fargo immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-25 00:00:00
Product: Credit 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:
HELLO SORRY FOR BOTHER DISTURBANCE BUT I HAVE MULTIPLE INQUIRES IN MY CREDIT REPORT THAT I DO NOT RECOGNIZE SOMEONE ELSE USING MY PERSONAL INFORMATION WITHOUT MY PERMISSION IN A FRAUDULENT WAY AND TRY TO COMMUNICATE WITH EACH COMPANY BUT THE RESPONSE OF THEM IS NOT TO BE ABLE TO HELP ME, YOU CAN NOT FIND ME IN YOUR SYSTEMS YOU CAN ONLY TELL ME TO CONTACT DIRECTLY THE CREDIT BUREAU AND SO YOU CAN HELP ME REMOVE THE FRAUDULENT INQUIRES THANK YOU .. BUT I TRY TO COMMUNICATE WITH YOU BUT I RECEIVED NO POSITIVE RESPONSE PLEASE HELP ME TO UPDATE MY INFORMATION THANKS XXXX  ARE PAY ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Pendrick Capital Partners Holding, LLC
State: FL

Complaint narrative:
A Collection agency can't engage in any unfair method to collect a debt by making it difficult to answer two simple questions. On XX/XX/2019 at approximately at XXXX XXXX, a phone call was placed to XXXX XXXX XXXX , XXXX at XXXX that was recorded and l spoke with representative XXXX XXXX. I asked her what information pertaining to their records do they have about the account in question and she acknowledged receipt of my letter for request for validation however, she would not confirm the account was in dispute by refusing to answer the question, Is this account in dispute? 

After she continue to refuse four different times, I was involuntarily switched over to another representative who identified himself as XXXX employee ID # XXXX and he finally admitted that the account was in dispute however he refused 5 different times to answer the question, When was the dispute letter received? before admitting that he wasn't even sure when they received the letter but stated that it was updated on the XXXX. 

According to the Fair debt Collection Practices Act by law a debt collector has to acknowledge that an account is in dispute and show when the letter was received Also please note that on XX/XX/2019, I sent a dispute letter, requesting validation of debt for {$680.00}, dated, XX/XX/2019, for account number # XXXXXXXXXX on XX/XX/2019, that is attached with this 30 day non response letter, along with the bill, certified receipt and proof of receipt.Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt they say I owe. I have given them 30 days to remedy the situation, which is a very reasonable period. I have received no reply from them, also I did receive confirmation via certified mail that they did receive my letter on XX/XX/2019 at XXXX. Also they should also be aware that if they report such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm surey their legal staff will agree that non-compliance with this request could put their company in serious legal trouble with the FTC and other state or federal agencies. I look forward to hearing from them. 

This is an attempt to correct any and all records, and any information obtained will be used for that purpose. Communications to and from me the consumer may be monitored and/or recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
HELLO SORRY FOR BOTHER DISTURBANCE BUT I HAVE MULTIPLE INQUIRES IN MY CREDIT REPORT THAT I DO NOT RECOGNIZE SOMEONE ELSE USING MY PERSONAL INFORMATION WITHOUT MY PERMISSION IN A FRAUDULENT WAY AND TRY TO COMMUNICATE WITH EACH COMPANY BUT THE RESPONSE OF THEM IS NOT TO BE ABLE TO HELP ME, YOU CAN NOT FIND ME IN YOUR SYSTEMS YOU CAN ONLY TELL ME TO CONTACT DIRECTLY THE CREDIT BUREAU AND SO YOU CAN HELP ME REMOVE THE FRAUDULENT INQUIRES THANK YOU .. BUT I TRY TO COMMUNICATE WITH YOU BUT I RECEIVED NO POSITIVE RESPONSE PLEASE HELP ME TO UPDATE MY INFORMATION THANKS XXXX ARE PAY ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivable Solutions, Inc.
State: SC

Complaint narrative:
Receivables Solutions is continusally calling my phone and leaving robot messaging on a debt I do not owe. In the past I requested for them to send me documentation confirming the debt. However they send me a letter back stating they could not find me in there system. I want the calls to stop, and I want the debt removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: U.S. BANCORP
State: TX

Complaint narrative:
I have a auto loan through US Bank that I decided to set up auto pay for. When I added auto pay I was charged twice for the month and thus was a month ahead on my payments. Upon discovering this, I reached out to the bank via telephone. I requested that auto pay simply be turned off for the upcoming month so that the extra payment would be applied and then turned back on the next month. The customer support representative said this wouldn't be a problem. However, the following month it wasn't turned back on and a late payment occurred on my account. When the bank brought this to my attention I immediately paid the late month and the current month. I made mention of my last phone call and they said they don't offer this service and I would be held responsible for the late payment. I have tried speaking with other representatives, managers, and other senior bankers and nobody has been able to help me. I have always been a responsible lessee with US Bank and all other lenders. I don't believe my credit score should reflect the error of an improperly trained employee of US Bank. Any assistance with this matter would be greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: AZ

Complaint narrative:
There are two US BANK?? credit cards on my account shown and one of them are in good standing, and one is not mine, and try to fix it but coming back verified as correct but it is not correct its showing our joint account I am married to XXXX XXXX thats my spouse your other account shows the account US BANK Im disputing shows joint Responsibility this account was never mind at all, My report is very good until I saw this on my report and tried to disputed. 

US BANK XXXX {$10000.00} Opened XX/XX/2015

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management
State: OH

Complaint narrative:
There is an outstanding amount in collections totaling {$1900.00} from Plaza Services on my XXXX Credit report. It says the amount originated on XX/XX/2018. I do not know anything about this amount and it is not mine. I have not taken out any additional loans or debt other than the other items on my credit report. If you look at my credit history, I am 100 % on timely payments and have no missed payments. I filed a dispute with XXXX  but they said the debt was accurate, even though I did not incur this debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I placed a freeze with Equifax, XXXX  and XXXX  in XX/XX/2007. On Sunday, XX/XX/XXXX I was told at XXXX that I was preapproved for a XXXX  MasterCard. I provided the last four digits of my soc sec number and told them it would be rejected because of the security freeze. I was shocked when the clerk told me I was approved and approved for {$7000.00}. I said something was wrong it should not have gone through, they said I should get a call from their back office asking me to remove the credit freeze instead I received a text that my card was on the way. I call MC and they informed me that they had acquired by credit information from Equifax. I contacted Equifax The 1st clerk said there was no account for my SS #, his manager said there was an account but she could not see any details I would have to send in a copy of my drivers license and SS card. I spoke to the next level manager and she said the same thing. I also provided her with the 10 digit security number provided by Equifax. I was still told they would not tell me if I had an active freeze nor if it was removed and how and when. They would not provide me with any credit history to see if my identity was compromised. I continued to speak to the next two managers also no help. I called Corp Headquarters to speak with XXXX XXXX to explain my situation I am assuming whatever went wrong on my account has also happened on others and may be a major breach. I was transferred to an office in Nevada or NM and XXXX said she was not in a position to help and transferred me back to headquarters who once again transferred me to the fraud dept that I already spoke with. I was told no one in headquarters would talk to me and no one I was directed to out of headquarters had authority to see the detail of my account. I need to know if my security freeze was compromised and if my identity was compromised. I need to know now not 10-20 days from now. I need to take immediate steps to protect myself if Equifax has breached my security. I also contacted XXXX. The first agent assured me my account had a freeze on the account. I contacted XXXX, the automated system authenticated me and immediately indicated I had a freeze on the account. All freezes were placed in XX/XX/2007.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a auto loan through XXXX XXXX that I decided to set up auto pay for. When I added auto pay I was charged twice for the month and thus was a month ahead on my payments. Upon discovering this, I reached out to the bank via telephone. I requested that auto pay simply be turned off for the upcoming month so that the extra payment would be applied and then turned back on the next month. The customer support representative said this wouldn't be a problem. However, the following month it wasn't turned back on and a late payment occurred on my account. When the bank brought this to my attention I immediately paid the late month and the current month. I made mention of my last phone call and they said they don't offer this service and I would be held responsible for the late payment. I have tried speaking with other representatives, managers, and other senior bankers and nobody has been able to help me. I have always been a responsible lessee with XXXX XXXX and all other lenders. I don't believe my credit score should reflect the error of an improperly trained employee of XXXX XXXX. Any assistance with this matter would be greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a auto loan through XXXX XXXX that I decided to set up auto pay for. When I added auto pay I was charged twice for the month and thus was a month ahead on my payments. Upon discovering this, I reached out to the bank via telephone. I requested that auto pay simply be turned off for the upcoming month so that the extra payment would be applied and then turned back on the next month. The customer support representative said this wouldn't be a problem. However, the following month it wasn't turned back on and a late payment occurred on my account. When the bank brought this to my attention I immediately paid the late month and the current month. I made mention of my last phone call and they said they don't offer this service and I would be held responsible for the late payment. I have tried speaking with other representatives, managers, and other senior bankers and nobody has been able to help me. I have always been a responsible lessee with XXXX XXXX and all other lenders. I don't believe my credit score should reflect the error of an improperly trained employee of XXXX XXXX. Any assistance with this matter would be greatly appreciated.

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