vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
This information is incorrect : XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos.

XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX

National Credit Card Cos.
XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos.

XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos.

XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/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 2018-11-13 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: NH

Complaint narrative:
This information is incorrect : XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos.

XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos.

XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos.

XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX   National Credit Card Cos.

XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/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 non-monetary relief
Consumer complaint received 2018-11-13 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: NH

Complaint narrative:
XXXX XXXX  {$1700.00} Closed OR : XXXX XXXX  XXXX XXXX  Closed : XX/XX/2017 {$1700.00} Closed This information is incorrect. I've never done any business with XXXX XXXX  or XXXX XXXX  XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
XXXX XXXX  {$1700.00} Closed OR : XXXX XXXX  XXXX XXXX  Closed : XX/XX/2017 {$1700.00} Closed This information is incorrect. I've never done any business with XXXX XXXX or 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 2018-11-13 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: NH

Complaint narrative:
XXXX XXXX {$1700.00} Closed OR : XXXX XXXX XXXX XXXX Closed : XX/XX/2017 {$1700.00} Closed This information is incorrect. I've never done any business with XXXX XXXX or 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 2018-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The last several months Ive had to constantly update my address every time I have my credit ran with Equifax I would submit the documents and then try to go in there and check the confirmation of my dispute and I will be locked out from submitting other documents that they want to resolve my issue they keep my old addresses on file there should know longer be on there they screwed up my date of birth one of their workers change my date of birth I had to update my date of birth which should have never been changed and I believe that this company is somehow doing fraudulent things to steal peoples information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: American Collection Services, Inc. (OK, TX)
State: TX

Complaint narrative:
XXXX {$280.00} American Collection Services Inc ( XXXX ) called me on my mobile phone. Person ( XXXX XXXX ) stated they were calling to collect a debt which occurred on XX/XX/XXXX. I stated that I had no knowledge of this debt and had not received a bill. I also stated that since this was at a hospital I didnt know and was in another state that I wasnt sure of anything. The woman, XXXX stayed that she was calling to collect it now before it ruined my credit. I kept telling her this wasnt right and she kept talking to me like I had no other choice. I wanted to check with my insurance company and find out what it was but she told me if I didnt pay today it would post to all three credit bureaus. She also stated that she had had the debt on her desk since XX/XX/XXXX and that the address she had for it was incorrect. I told her I always kept my addresses current and she even told me what my current address was, my SSN, and she had called me which means shed had my contact information but had not sent me any statement or notification in the mail. Ive always left forwarding addresses and have been at my current address for almost 3 years. When I balked at paying she said that it would just have to be posted to my credit report and it would negatively impact my credit if I waited to contact my insurance company. Im recovering from a nasty divorce and an arson fire which destroyed my home in XXXX. Ive worked hard to rebuild my credit and my life and she swoops in and threatens that life. She also admitted that this hospital in XXXX did not keep good records and probably might not be accurate. But still she pushed me to make a payment. I was not afforded the opportunity to verify the debt and it didnt sound like this agency verified it either. 
I want this made right. I want my payment returned to me until proof of the debt is made and I want this company to be fined for not following the requirements of the law. I did not receive notice and they threatened me with negative reports on my credit. 
I appreciate any help you can give.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I have disputed the late payments report on XXXX XXXX The Credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have requested corrections to my personal information with this bureau twice, each time they refuse to correct it and send me an inadequate response in an effort to avoid correcting the information. I see this as a direct violation of my rights under the Fair Credit Act. See attached information below.

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 2018-11-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I have been making on time payments to the company and the credit limit is still in use. However, it says that they have closed the account. After we have set up payment arrangements and those payment arrangements have been met.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
I applied for a loan modification with bayview loan servicing i submitted a complete package my income and financial situation has improved and i would like save my home, my loan application was denied by bayview because it wasn't in there best interest to modify my loan because my property is upside down, this is the reason I`am seeking a loan modification after hearing this i did some research and discover several things that were wrong with my loan, first off the company that originated the loan was located out of the State of California the transaction and process of my loan was completely done over the phone, i didn't receive disclosures regarding loan, documents to read and understand the loan, nor did have any options for any other types of loan products, nor was there a right to rescind the loan included in the documents, but the biggest issue of all was the Truth in lending stated one rate of interest and the mortgage note stated another rate also the first mortgage statement had yet another rate of interest which governs the payments and loan balances. now bayview is stating that i owe a certain amount and i believe its a different amount which is the heart of the matter and why bayview loan servicing has denied my loan for modification, this was a bad loan from the start and i know that there are many federal laws that have been violated by the lender of this subprime loan, so a federal lawsuit is also a option on the table,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 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: HI

Complaint narrative:
I have disputed the late payments report on XXXX XXXX  The Credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this 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 2018-11-13 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: HI

Complaint narrative:
The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.. Equifax failed to demonstatrate proper procedures to remove the accounts, CFPB help me, step up and remove the accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX, and Chapter XXXX Bankruptcy XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 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: HI

Complaint narrative:
The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.. Experian failed to demonstatrate proper procedures to remove the accounts, CFPB help me, step up and remove the accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX   FIN XXXX, and Chapter XXXX Bankruptcy 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 2018-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Tried to get all 3 credit reports and was denied by XXXX because of dispute ongoing. The other 2 said to check back in a year and i didnt receive reports. Im XXXX and want to correct my debts. But found many mistakes on XXXX report thru XXXX   XXXX.please help me to view reports online free.Tried to dispute with XXXX but told dispute not found.

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 2018-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
I am unable to join or establish membership though I am qualified. 

Apparently in the past an account was opened in my name, and due to this they are denying me valid membership.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-13 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: TX

Complaint narrative:
EXPERIAN ARE WILLFULLY & RECKLESSLY REPORTING FALSE & INCORRECT INFORMATION ON MY CREDIT REPORT AFTER BEING NOTIFIED OF THE REPORTING ERROR & FAILING TO PROPERLY INVESTIGATE OR CORRECT THE ERROR. THIS INFORMATION THAT EXPERIAN IS REPORTING ON MY CREDIT REPORT IS INACCURATE, UNREASONABLE, UNVERIFIABLE, UNTIMELY AND OR NON-COMPLIANCE WITH THE FCRA RULES AND REGULATIONS. EXPERIAN ALSO FAIL TO PROVIDE ME COPIES OF THE REQUESTED DOCUMENTS THAT WERE USED TO VERIFY THESE INACCURATE ACCOUNT ( S ) THATS REQUIRED UNDER FCRA SECTION 15 U.S.C. 1681G ; THEREFORE, THEY SHOULD HAVE IMMEDIATELY DELETED THE ITEMS IN QUESTIONED ACCORDING TO FCRA 611 ( A ) ( 5 ) ( A ) ( I ). MORE SO, EXPERIAN DELIBERATELY LIED IN THEIR RESPONSE ABOUT A MONTH AGO THAT THEY DELETED THE INCORRECT MAILING ADDRESSES AND NAMES FROM MY REPORT, BUT THEY DID NOT.

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 2018-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MN

Complaint narrative:
I just recently got transferred for my XX/XX/2018 payment from XXXX XXXX. to XXXX-Select Portfolio Servicing, inc. for my mortgage payments-servicing. I successfully made my latest fee free XX/XX/2018 payment to XXXX XXXX. with no problems. 
Do I have a right to be treated by SPS the same-in all respects-as I was with my old mortgage servicer-XXXX XXXX.? 
For example, I was able to make my payment at anytime from the XXXX of the month thru the XXXX of the month with no servicing fee of any kind if I signed up for paperless-online payments, even one time payments at various times during the month ( they had a button online for this choice )? 
The reason I am asking is because my new servicer-SPS is stating that it will charge me {$15.00} USD to transfer my mortgage payment from my XXXX XXXX XXXX ( or a bank ) Checking Account to XXXX ; whereas with my old servicer-XXXX, it was a free transaction. 
This fee is unfair and unacceptable because I work and get paid at different times and amounts during the month and so I need-must have-the flexibility to make my mortgage loan payments at any point during that XX/XX/XXXX-XX/XX/XXXXtime period. Thanks for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: OK

Complaint narrative:
XXXX Santander placed a repo out for my spouses car. While sitting in my car about to reverse a tow truck rammed into the back of my car and lifted me up. Car was running and the slam into the car made my neck jerk and also caused damage to back of car. Repo agent stated they will call the police to assist. I stated that is breach of peace and closed my car door. As talking Thur the window while in the car running I Tried to offer to call bank and make payment and was told my account is frozen I cant make any payments. Repo agent stated there was nothing I can do they are taking it. Asked was it legal to ram the car in lift while Im reversing and they never would answer it. Also told them to notice the damage from tow truck hitting car they stated they will document it. While sitting back in the car after agents had me lifted still and car running while still in reverse I move car to park position. Agent than begins to knock on window of car. Told agent Im making some calls give me a sec and starts knocking over and over. Stated they can call the police if I dont comply since Im not a co signed on the Loan Im driving the car illegally. Responded that Im a spouse and it cant be right for you to hit my car and lift me up while Im in the driver seat and car is running. Pain in neck and upper back real stiff soreness. The car is my spouses and is financed by Santander. Sat in the car about 30 mins during this time and finally told them they can take the car if they can take me home because I was in pain and I didnt want them calling the cops like they stated they would. Turned over the keys and they agreed to take me home. Before leaving the had to reposition tow truck a few times to actually hook car up right on tow and also they drove car to turn it around on tow as well so it wouldnt drag. 

Tow company hired by Santander was XXXX. XXXX out of XXXX Oklahoma. Adjuster name was XXXX. company phone number is ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 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: CITIBANK, N.A.
State: NY

Complaint narrative:
My Card Was Used in a year and half span for about {$7700.00} dollars. Citi promised to resolve the issue as soon as possible. Citi said it will fix my issue in 4 days I didnt get no conditional credit. My credit Balance is around {$4000.00} and my limit is {$5000.00} but my Available Credit line is {$0.00}. I been a paying customer never late paying over minimum on most of my payments.

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 2018-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Tried to get all 3 credit reports and was denied by XXXX because of dispute ongoing. The other 2 said to check back in a year and i didnt receive reports. Im XXXX and want to correct my debts. But found many mistakes on XXXX report thru XXXX XXXX.please help me to view reports online free.Tried to dispute with equifax but told dispute not found.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 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: NY

Complaint narrative:
I paid a credit repair agency for almost 2 years {$100.00} a month to fix my issue my ex wife did to me before she disappeared after visiting her home country. All 3 reporting agencies should understand the importance of credit and have let the be aware of my situation and I still have this burden to live with every day.

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 2018-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I called the bank to ask them if they sent the message and if they did not how were these people able to attach a message to my log in ... .The Agent said it was probably a scam ... My screen went red and I was notified to call XXXX to fix the problem.

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