vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
Wells Fargo Bank never contacted us in reference to our banking with then. We have seen the illegal practice suit brought against them and nothing was given to us for options or financial arrangement to assist us in our lives due to their illegal use of our funds paid. We would like to discuss with them a arrangement to assist us in our mortgage of 24 years. It is in creditable to find out that the powerful get the money and the customers are screwed and get nothing. Where is our support, how are we given credit for our banking with a bank who has over charged and illegally billed over the years and we get nothing. All accounts should be credited or released of liability of payment. How can they get AWAY WITH THIS?

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 2018-04-20 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: CITIBANK, N.A.
State: CA

Complaint narrative:
When I Pull XXXX credit report, it shows an authorized hard inquiry from CBNA which I do not recognize..

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 2018-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: AR

Complaint narrative:
Applied for Mortgage loan, and noticed this account on my report. Attempted to contact the listed creditor name ( XXXX ), who informed me that this account now belongs to retrieval masters creditors bureau, and to contact them at XXXX. Ive never received any notices from either XXXX nor Retrieval Master Creditors bureau about any accounts nor do I recognize this account. This account does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Bridgecrest Credit Company which I hold no contract with nor have received services from, reported a charge off against my SSN in the amount of {$16000.00} with XXXX, XXXX and XXXX credit reporting agencies. I requested verification of the debt and account however Bridgecrest failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

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 2018-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Colony Brands, Inc.
State: AR

Complaint narrative:
Applied for Mortgage loan, and noticed this account on my report. Attempted to contact the listed creditor name ( XXXX ), who informed me that this account now belongs to XXXX XXXX XXXX XXXX, and to contact them at XXXX. Ive never received any notices from either XXXX nor XXXX XXXX XXXX XXXX about any accounts nor do I recognize this account. This account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Okay so after continuously disputing with XXXX XXXX to remove the false record that they placed on my Early Warning Services Report, ( someone had falsely applied for a student loan with XXXX XXXX, and also added a cosingner ( unauthorized ). I did not know until XXXX XXXX XXXX XXXX Placed A Hold on my account because of the EWS reporting, I then called in to dispute, XXXX XXXX XXXX had refused to offer me any information or help so I contacted you guys CFPB and they finally investigated and agreed to Permanently remove their records from EWS. ( TAKE A BREATH WITH ME BECAUSE THERES MORE! ) That entire process took about two months for you guys ( CFPB ) to solve it in about two weeks. Wow. NOW, I went ahead and contacted EWS just to make sure both companies were on the same page, and EWS tells me that XXXX XXXX cant request for the records to be removed, EWS says they provide access to banks and credit unions and and its up to XXXX XXXX to remove it which is frantic because they removed my record from another company. So now EWS will keep the record. I offered to send them the letter they provided me an email and told me I can use the letter to start a new disputing process which could take possibly another two months meanwhile my account with XXXX XXXX is still on hold!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ECMC GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/2018, ECMC sent to my private homestead address deceptive communication alleging they are collecting my social security number, and my home address. I have no account with ECMC, i never applied for an account with ECMC, and i never received a loan or credit from ECMC. This is an act of deception, constructive fraud, extortion, attempting to collect on a discharged debt, and violation of the FDCPA.

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 2018-04-20 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: NC

Complaint narrative:
Im an authorized user on this account but did not sign up for this on XXXX account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-20 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: NJ

Complaint narrative:
Credit/Deferred payment plan was offered as part of an online purchase from XXXX XXXX on XX/XX/XXXX. 

That credit was denied with sales agent having no information on why it was denied. 

On XX/XX/XXXX correspondence was received from : XXXX C/o XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX. 

The reason for denial was listed solely as : SSN reported as deceased. 

The source of that information was Experian. 

Trying to contact them yielded nothing through their automated system other that an erroneous fraud alert, which was neither desired or requested. There is no method for contacting Experian for immediate resolution of this problem other than through the mail with no reference number or issue number given to assure resolution.

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 2018-04-20 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: FL

Complaint narrative:
I have been trying to get the freeze temporarily removed from Equifax. However, the freeze has been on for several years and I do not have the pin that they said they gave me when I first activated it. Now they say I must mail them Identification in order to get my pin re-sent. I am trying to do some financing and they are telling me it will be 8-10 days afetr they get the mail before they will send out my pin. This is causing a problem with my financing. The other companies have on-line ways to verify my identity but equifax told me they can not ( or will not ) do it on-line. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 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: NC

Complaint narrative:
Im an authorized user on this account but did not sign up for this on XXXX account

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 2018-04-20 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: NC

Complaint narrative:
Im an authorized user on this account but did not sign up for this on XXXX account

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 2018-04-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I leased a XXXX from a local dealer in XXXX, MA for a 42 month term. As the lease approached end date in XX/XX/XXXX, I was told by XXXX that an appraiser would visit and assess value of the vehicle. The appraiser came about 3 wks before end of the lease and took pictures of the car and looked all over it. He did not explain anything to me about the process. He explained that I would receive a closeout statement in a few weeks. 

I returned the vehicle to the XXXX dealer. The dealer had no idea how to receive the vehicle or what information to collect or share with me. The lease hold ( XXXX XXXX ) told me to return it to that XXXX dealer. Eventually the sales manager decided to give me a mileage statement and signed proof that he had taken the vehicle into his custody. I removed the license plates and left. 

A few weeks later, Chase contact me to tell me that damage ( scratches, ripped seat fabric, etc. ) had exceeded the {$1000.00} allowance and that I was obligated to pay for additional damage. More importantly, they told me that because I had returned with not-orginal tires on the vehicle I would being charged to restore the equivalent of the orginal tires. I explained that I put the tires on in winter ( the factory installed tires were useless in snow ), and that I left the summer tires ( original manufacturer installed ) in the back of the vehicle. Chase first told me they had no record of me leaving the tires in the vehicle. Later, they changed this story to say that the tires had insufficient tread. Either way, they want me to pay {$110.00} for each of the four tire. They said the vehicle has been sold and they have no record of what became of either set of tires. 

They keep telling me that the tires are listed in the lease agreement, but I do not believe that replacing the tires with BETTER tires AND returning the original tires ( dismounted ) should make me obligated to pay for new tires. As a side not, I drove the vehicle 10K less miles than my lease agreement ( a total of about 32K ), and since half of each of those years I have the original tires on the vehicle, they clearly would NOT have been worn down. 

I have indicated to Chase that I will pay the incidental charges for scratches in paint and upholstery damage ( totaling about {$240.00} ), but I refuse to pay them for the tires. They either have to release that charge OR return at least one set of the tires. Actually, they should return BOTH sets of tires if they want me to buy new ones. 

I am being taken advantage of and I wish that they would stop harassing me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSN : XXXX DOB : XX/XX/XXXXXX/XX/XXXX EXPERIAN INFORMATION SOLUTIONS RE : Requesting a Method of Verification Letter RE : XXXX XXXX - XXXX XXXX XXXX - XXXX Dear Sir/Maam : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding erroneous items on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, with my address and social security number, dont know how you did it, but, its not correct because XXXX DOES NOT have those accounts number attached to THIS ADDRESS! And electing to leave it on my report. 
I am absolutely certain that the items I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 
I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this deliberate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 
I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 
Very Respectfully,

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 2018-04-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc.
State: DC

Complaint narrative:
I was contacted by XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX , NY XXXX ] about a debt that they purchased from NELNET [ XXXX XXXX XXXX XXXX , NE XXXX ]. I asked them to verify the debt was still valid as I had already paid it with NELNET. They asked me to contact XXXX/XXXX  [ XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX ]. I have contacted all three companies and have the chats/email threads available in PDF format. 

They never replied. I requested : " The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was. 
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. '' The only documentation that arrived is a photocopy provided by XXXX of my original promissory note. XXXX sent a note stating that my wages would be garnished. They have not been able to verify that this is a valid debt. 

When speaking via phone to customer service at XXXX, they asked me provide proof that I had paid the debt with NELNET. I sent them images and screenshots via email per their request. I have not received a response. 

I was notified that this has impacted my credit rating. I have sent countless emails pleading to have this resolved. 

The complete lack of cooperation and common sense is frustrating. This is a waste of my time. I happy to pay what I owe, but they need to be able to substantiate

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 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: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Bridgecrest Credit which I hold no contract with nor have received services from, reported a charge off against my SSN in the amount of {$10.00}, XXXX with XXXX, XXXX  and XXXX credit reporting agencies. I requested verification of the debt and account however Bridgecrest failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

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 2018-04-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
I was contacted by XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX , NY XXXX ] about a debt that they purchased from XXXX [ XXXX XXXX XXXX XXXX , NE XXXX ]. I asked them to verify the debt was still valid as I had already paid it with XXXX. They asked me to contact XXXX/NAVIENT [ XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX ]. I have contacted all three companies and have the chats/email threads available in PDF format. They never replied. I requested : " The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. '' The only documentation that arrived is a photocopy provided by NAVIENT of my original promissory note. XXXX sent a note stating that my wages would be garnished. They have not been able to verify that this is a valid debt. When speaking via phone to customer service at XXXX, they asked me provide proof that I had paid the debt with XXXX. I sent them images and screenshots via email per their request. I have not received a response. I was notified that this has impacted my credit rating. I have sent countless emails pleading to have this resolved. The complete lack of cooperation and common sense is frustrating. This is a waste of my time. I happy to pay what I owe, but they need to be able to substantiate

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 2018-04-20 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 — Other problem getting your report or credit score
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
citibank denial of credit because i have exercised my rights under the cpa.

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 2018-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: FIRST CITIZENS BANCSHARES, INC.
State: WI

Complaint narrative:
I have a Old Vehicle Loan that I took out in XX/XX/XXXX or XX/XX/XXXX that was paid off in Full in XX/XX/XXXX as a Positive Good Standing Account for {$3000.00}. It was Positively building my Credit and was one of my Largest Tradelines. With the Data Breaches it was deleted and wasn't notified. I understand its closed but the Credit Bureaus stated I needed a Resinsertion Letter from the Credit. Please Add this back within 30 Days

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 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: GA

Complaint narrative:
XXXX XXXX which I hold no contract with nor have received services from, reported a charge off against my SSN in the amount of {$10.00}, XXXX with XXXX, XXXX and Transunion credit reporting agencies. I requested verification of the debt and account however XXXX failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

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 2018-04-20 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: GA

Complaint narrative:
XXXX XXXX which I hold no contract with nor have received services from, reported a charge off against my SSN in the amount of {$10.00}, XXXX with Experian, XXXX  and XXXX credit reporting agencies. I requested verification of the debt and account however XXXX failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

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