vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-18 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: NJ

Complaint narrative:
I found items has been reported to my credit history that 's not even belong to me and those items has damage my credit and my financial life

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: PA

Complaint narrative:
Direct Express says i am dead and suspended my Social security account. I  have been trying for over 2 weeks to get someone from direct express or social security to help me. I have called both DE and SS many times and have been to my local SS office 1 time so far, I plan to try again tomorrow. I am almost out of money and i really need some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18 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: Navient Solutions, LLC.
State: LA

Complaint narrative:
Navient will not remove old deragotory information from my credit report. It is more than ten years old. The statute of limitations has expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX  will not remove old deragotory information from my credit report.  It is more than ten years old. The statute of limitations has expired.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX  will not remove old deragotory information from my credit report. It is m ore than ten years old. The statute of limitations has expired.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18 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: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX  will not remove old deragotory information from my credit report. It is mor e than ten years old. The statute of limitations has expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
I have been involved in this VA mortgage refinancing wit h Mariner Finance LLC s ince  XXXX   XXXX ,  2017 . We received a loan estimate amount of  XXXX  with a payment amount of  XXXX . Once the appraisal came in for  XXXX ,  XXXX  We never received an upd ated Loan Estimate o n the  XXXX  We were asked to run back and forth to fax machine to provide documentatio n. (  Many many times as documented .. ) Then on  XXXX   XXXX ,    2017  at  XXXX  we were sent a closing disclosure for the  XXXX  ( which had the incorrect spelling of name ) we were unable to open and sign. We only had phone access. We tried many times to send.   at  XXXX   XXXX  we sent  XXXX  a text that the Closing disclosure should have been signed and sent to her .At  XXXX   XXXX  she stated that she received them.   On  XXXX ,  XXXX ,   XXXX   .at  XXXX   XXXX  she sent text stating the documents were not signed and that we should sign and date for yesterdays date ( documented ) She then stated we could fax it to her. ( Advised the closest Fax machine wa s not Open on Saturdays  and Sundays.. ( She advised that she could get Monday as long as it was dated for yesterdays date. Also was asked by  XXXX   XXXX  to also backdate ( documented ) ( something I felt was morally wron g )   XXXX   XXXX   XXXX ,  2017  at  XXXX  (  19 min after supposed closing ) I received another set of closing disclosures. I compared the two sets o f final Closing Disclosures along w ith the Original Loan Estimate.  and noticed the one they were rushing me to sign the payment was  XXXX  a lot higher than the payment for the higher loan amount. And the payment for the second set of Final disclosures was  XXXX  We were not informed o  f ANY Number changes.
Information was left out   on the final closing disclosures that they were rushing me to sign on  XXXX !  XXXX  and  XXXX , as well as BIG number differences.   I never received a Loan Estimate on the  XXXX  I also do n't think its right To BACKDATE Legal and binding documents and as I understand it a new set of Final Closing Disclosure requires a 3 day review period.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18 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: AR

Complaint narrative:
In  XXXX   2015  I owed a debt to the   XXXX    XXXX  in the amount of {$620.00}. In  2015  they took the amount owed from my personal taxes for the full amount. Its currently still reporting on Equifax under public records, after several disputes with them. If needed I can get a printout from the workforce for proof of payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
The inquiries on my report were unauthorized.   XXXX   does not want to investigate in to the situation for you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: NC

Complaint narrative:
I have been disputing the collection attempts with the company listed on my credit report, stating that I owe for an apartment complex that I have never lived at. The name of the company is Rent Recovery Solutions. Never done business with them, and never signed any sort of paperwork for this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XXXX.XXXX.17. I answered a solicitation by transunion to get a FREE COPY of my credit score. I made an application and they required a credit card. I complied thinking they needed for identification or future purchase choices. That wa not their intent. They signed me up for a subscription service ( there is no mention of a charge or subscription in the add. I called and the young Lady helping me very pleasantly cancelled the subscription and refunded the charge. My thanks to her!!! Now on to the problem ; I have a subscription service with XXXX.These is my credit scores as reported by EACH SERVICE to XXXX : Credit Scores XXXX As of XX/XX/2017 XXXX XXXX XXXX TransUnion As of XX/XX/2017 XXXX XXXX XXXX XXXX As of XX/XX/2017 XXXX XXXX Average XXXX Credit Score for your zip code, XXXX, is XXXX. Now, if I go to the transunion site, they have my score at XXXX ( giving it a XXXX XXXX ). Same company, two very different scores. This is fraud!!! The difference in the two scores is catastrophic to my creditworthiness. A XXXX pt difference reported by the same credit reporting service ( transunion ). Several inquiries, form reports ( which are VERY USER UNFRIENDLY ) and a telephone call did not correct the problem, nor did they even address my specific complaint.I am attaching three responses from transunion to support my claim. Please do not post my private information. The complaint itself you may publish. I look forward to your response and an apology from transunion, and any damages you may want to award me. Sincere Regards 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 monetary relief
Consumer complaint received 2017-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
Portfolio collection agency started contacted m e in 2015 from a   XXXX   XXXX   I had at one point. The original creditor and this agency is trying to collect on the same debt. It is reporting to all   XXXX   bureaus in the amount of {$620.00}. I do not owe this company, and have no idea who they are. I asked for validation and not verification of this alleged debt. I have no contract with this company and do not owe them. The bureaus have failed to validate any info that I asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
XXXX   XXXX   XXXX   started contacted m e in 2015 from a   XXXX   XXXX   I had at one point. The original creditor and this agency is trying to collect on the same debt. It is reporting to all 3 bureaus in the amount of {$620.00}. I do not owe this company, and have no idea who they are. I asked for validation and not verification of this alleged debt. I have no contract with this company and do not owe them. The bureaus have failed to validate any info that I asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18 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:
These inquires were unauthorized.
-XXXX -XXXX XXXX -XXXX XXXX/XXXX  IS REPORTED AS A INQUIRY XXXX times -XXXX XXXX IS REPORTED AS A INQUIRY XXXX  TIMES -XXXX XXXX XXXX XXXX IS REPORTED AS A INQUIRY XXXX TIMES -XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX -XXXX XXXX XXXX IS REPORTED 2 TIMES -XXXX XXXX -XXXX XXXX/ XXXX XXXX -XXXX XXXX/ XXXX XXXX XXXX -XXXX XXXX XXXX XXXX IS REPORTED 2 TIMES -XXXX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18 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: CITIBANK, N.A.
State: CT

Complaint narrative:
I checked my  XXXX  credit report through  XXXX  I found a "  CBNA  '' hard credit pull on  XXXX   XXXX ,  2017  that I did not instigate ( I did n't apply for new credit or do anything wit h Citibank ). I contacted Citibank by p hone on  XXXX   XXXX ,  2017 , and they refused to provide any information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18 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: CT

Complaint narrative:
I checked my Equifax credit report through   XXXX   I found a "   XXXX   '' hard credit pull on  XXXX   XXXX ,  2017  that I did not instigate ( I did n't apply for new credit or do anything with  XXXX   ).  I contacted  XXXX  by phone on  XXXX   XXXX ,  2017 , and they refused to provide any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo ov erdraft collection department calls from  XXXX . Called me on  XXXX   XXXX  at  XXXX . I have reached out  to Wells Fargo and all they wish to do is remove my phone number. Did not identify themselves as debt collectors when I asked as well with 3 different people. claimed they do not leave messages

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-18 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: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
Received a letter from this company  XXXX   XXXX  claiming I owed mon ey on a 4 year old hospital  visit {$660.00}. At the time I had  XXXX  and a supplement, at the same time they filed as a collection account with the  XXXX  major credit reporting agencies in order to wreck my credit and force me to pay. In the letter I was given 30 days to notify them if I disputed the validity of the debt, however they notified this as a collection account immediately to the agencies. I have called them twice and can get no answers, these are sleazy scammers. If you note in the letter they cant even spell my name correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18 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: Pendrick Capital Partners Holding, LLC
State: CA

Complaint narrative:
Received a letter from this company  XXXX   XXXX  claiming I owed money on  a 4 year old h ospital visit {$660.00}. At the time I had  XXXX  and a supplement, at the same time they filed as a collection account with the  XXXX  major credit reporting agencies in order to wreck my credit and force me to pay. In the letter I was given 30 days to notify them if I disputed the validity of the debt, however they notified this as a collection account immediately to the agencies. I have called them twice and can get no answers, these are sleazy scammers. If you note in the letter they cant even spell my name correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am currently using the app   XXXX   XXXX   and my bank isnt sending my informati on I request as needed. ( Account balance/banking ). I 'd really appreciate if they started to send my information and be on top of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: OK

Complaint narrative:
I requested a credit report in  XXXX   XXXX . At that time I noticed that there were several addresses where I never lived linked to my report. I also found that a delinquent account from the collection service  Ad Astra  for  XXXX   XXXX  was listed on my report. I have lived in Oklahoma since  XXXX  and have NEVER used a payday loan service. I disputed the false addresses a nd Ad Astra account. I did get the addresses removed, but have tried for several years to have the negative report from Ad Astra remove d.     I have repeatedly disputed this information on my account and have never received any direct notification from  Ad Astra un til  XXXX   XXXX   XXXX . This account does not belong to me.  XXXX   XXXX  has closed this account on my report, however  XXXX  has not done so after repeated disputes.     I have tried to find an email contact  for Ad Astra to contract them without success. I will not call them due to other consumer complaints about threatening phone calls from Ad Astra.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I continually receive  up to 30 m essages per day fro m Capital One c redit card company, trying to collect a debt. I am a person that lives on  XXXX  and this problem increases my  XXXX . I receive so many voice mail messages that it fills my inbox and I have missed very important medical calls and messages from my physician. Missed calls or messages from my care provides could result in delayed care that could be a threat to my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AP

Complaint narrative:
I 'm currently XXXX XXXX in XXXX XXXX and I have a VA home loan as of 2011. My original Home lender was XXXX XXXX. In the month of XX/XX/XXXX I noticed that my direct withdraw for my mortgage was not being done. I contacted XXXX and they informed me that my loan was transferred to LoanCare. I looked up LoanCare online and according to their website, they say it could take 60 to 90 days for the loan to complete. Around or about 90 days I contacted LoanCare regarding my loan and  asked if I could set up my online withdraw, I was told no not at this time and I could give my back account information or pay through XXXX. Paying mortgage through XXXX or giving away my bank account information without official notice of loan transfer is not the proper way of conducting business. I recently contacted LoanCare and was told that my Loan was in the process of foreclosure. As of todays date I have not received a loan transfer notification or notice of foreclosure.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18 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:
These inquires were unauthorized.
-XXXX -XXXX XXXX -XXXX XXXX/XXXX  IS REPORTED AS A INQUIRY XXXX times -XXXX XXXX IS REPORTED AS A INQUIRY XXXX  TIMES -XXXX XXXX XXXX XXXX IS REPORTED AS A INQUIRY XXXX TIMES -XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX -XXXX XXXX XXXX IS REPORTED XXXX TIMES -XXXX XXXX -XXXX XXXX/ XXXX XXXX -XXXX XXXX/ XXXX XXXX XXXX -XXXX XXXX XXXX XXXX IS REPORTED XXXX TIMES -XXXX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18 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: FL

Complaint narrative:
These inquires were unauthorized. -XXXX XXXX XXXX XXXX XXXX IS REPORTED AS A INQUIRY 3 times XXXX XXXX IS REPORTED AS A INQUIRY 3 TIMES XXXX XXXX XXXX XXXX XXXXS REPORTED AS A INQUIRY 2 TIMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS REPORTED 2 TIMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS REPORTED 2 TIMES XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I have complained to you about Navient several ti mes, and their has been no change in their conduct. For the last two years I had to fight with Navient to  get my remaining  XXXX  loans consolidated into  XXXX . I was given  nothing but a runaround and yes had to complain to the Ombudsman Group to even get them to act. When I spoke to them they had no clue about my loans, made me call several other places, I wrote the U.S. De partment of Education themselves and on and on, Finally the Ombudsman Group was able to get it resolved.     During the process I asked for all of my loans to be placed in a income based repayment, I received a letter from them that they needed my income tax information, t he studentloans.gov is  where I applied for it and the transfer tool was not working. I sit here today and I have reieved several notices from them that my loans will be increased and payment will be due soon. No mention as to what the process of my application is.     I have had a  Income based payment plan, I am trying to continue it. No one at Navient kno ws what the  XXXX  they are doing, no one is on the same page and I am simply done with dealing with them having to do their job for them and every year go way beyond what I need to do to get them to do their job. Check your records and look at how many times I have complained to you and how many other have complained also.

Company response to consumer: Closed with explanation