vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-26 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: FL

Complaint narrative:
I have paid my account in full I received a letter stating it would be removed and still showing on my credit report

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 2017-12-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo Mortgage has yet to address the issue that has been Requested. 

Documents not sign by me. 

Its always the run around and nothing to do with the issue that occurred. 

Wells Fargo Mortgage does not deal with the direct issue or have any answer that has any merit to the question/ issue of documents that are not my signature nor did I appear on the document in front of the notary and that is the issue to the Instrument/Deed of Trust I did not personally appeared on XXXX XXXX, 2009 nor did I sign nor was I ever contacted to any corrections agreement nor Limited Power of Attorney There is never no answer to this direct question or why it happen or why Wells Fargo Mortgage ha yet to explain the issue at hand. 

Legally binding contract Personally does not mean some one else signing saying your there and there is no other term to appeared means face to face. 

This is fraud on wells Fargo Mortgage

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 2017-12-26 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 recently found 7 accounts are not belong to me and was fraudulent listed on my credit reports with EXPERIAN, XXXX & XXXX the accounts listed as : ( ( 1- ) ) Account Name : XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX ( ( 2- ) ) Account Name : XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX ( ( 3- ) ) Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX ( ( 4- ) ) Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX ( ( 5- ) ) Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX ( ( 6- ) ) Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX ( ( 7- ) ) Account Name : XXXX Account Number : XXXX Date Opened : 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 2017-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The three ( 3 ) major Credit Reporting Companies claimed that the reason ( s ) why my Credit Score was low is " due to the length of times that open accounts have been active and the number of times lenders accessed your Credit report because you applied for Credit or for a Loan ''. This can not be correct or the complete reason for the low Credit Score. I have had open accounts for more than 24 months without ever making a late payment without just cause and regarding the amount of Credit Inquiries once I share my Social Security Number with a company I have no control over the amount of times they request my Credit History information for whatever reason ( s )  or who they share the Social Security Number with. The Credit Score should be based on the number of accounts, the way the accounts are being managed and the feedback that 's offered by the grantors.

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 2017-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The three ( 3 ) major Credit Reporting Companies claimed that the reason ( s ) why my Credit Score was low is " due to the length of times that open accounts have been active and the number of times lenders accessed your Credit report because you applied for Credit or for a Loan ''. This can not be correct or the complete reason for the low Credit Score. I have had open accounts for more than 24 months without ever making a late payment without just cause and regarding the amount of Credit Inquiries once I share my Social Security Number with a company I have no control over the amount of times they request my Credit History information for whatever reason ( s ) or who they share the Social Security Number with. The Credit Score should be based on the number of accounts, the way the accounts are being managed and the feedback that 's offered by the grantors.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26 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: NY

Complaint narrative:
i recently found 7 accounts are not belong to me and was fraudulent listed on my credit reports with XXXX, TRANSUNION & XXXX the accounts listed as : ( ( 1- ) ) Account Name : XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX ( ( 2- ) ) Account Name : XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX ( ( 3- ) ) Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX ( ( 4- ) ) Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX ( ( 5- ) ) Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX ( ( 6- ) ) Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX ( ( 7- ) ) Account Name : XXXX Account Number : XXXX Date Opened : 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 2017-12-26 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: NY

Complaint narrative:
i recently found 7 accounts are not belong to me and was fraudulent listed on my credit reports with XXXX, XXXX & EQUIFAX the accounts listed as : ( ( 1- ) ) Account Name : XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX ( ( 2- ) ) Account Name : XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX ( ( 3- ) ) Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX ( ( 4- ) ) Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX ( ( 5- ) ) Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX ( ( 6- ) ) Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX ( ( 7- ) ) Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-26 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 — Was not notified of investigation status or results
Company: LJ Ross Associates
State: CA

Complaint narrative:
Im asking this institution to do an investigation to this LJ ross, for sending me the letter which I never knew, that I owed them, this is fraud and un fair to a consumer like me, because I never late in my dues, I know that you are helping a lot of clients, and I never had a problem with my credit, my XXXX XXXX went up, when I never knew that I owed this company. 

Hoping for your kind consideration to this matter, Respectfully yours XXXX XXXX XXXX female

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
a ) I received a debt collection letter dated XXXX by mail on XXXX with a deadline of XXXX to respond or dispute. A sick XXXX joke. 
b ) The amount is for {$3200.00}. 
c ) I do not owe the funds since the debt has never been validated per many requests thereof. 
d ) Statute of limitations exceeds 6 years for FL or GA states I have resided in. 
e ) Creditor may no longer be in business. 
f ) XXXX XXXX XXXX XXXX a subsidiary of Encore Capital Group, Inc send me the debt collection letter. Their fax number of XXXX is not in service. I found an alternative fax of XXXX via internet search but I can not verify if it is their fax. I sent my debt validation letter request and a cease desist letter to this fax. 
g ) The debt collector letter stated after XXXX XXXX signature that the law limits how long you can be sued on a debt and how long a debt can appear on your credit report. Due to the age of this debt, we will not sue you for it or report payment or non-payment of it to the credit bureau. If this is true, then why the effort to collect unverified debt. 
h ) Many online forums show XXXX XXXX XXXX as trying to collect debt and sue people for debt not verified nor owed. Some type of legal harassment or entrapment efforts to unsuspecting consumers. 
I ) I do not want this company trying to collect unverified debt from me how to stop? Credit dispute or debt validation letters sent to the company by people are typically ignored nor receipt thereof acknowledged according to online forum complaints.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am not sure what happened, my mother gave my personal information to a man months ago, who opened different accounts that were not me. I have filed a police report and am trying to dispute the charges from several companies.

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 2017-12-26 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: TX

Complaint narrative:
In late XXXX I checked my Transunion credit report and found all of my inquiries to be deleted. I logged in today to check my credit score and all of the inquiries are back and my credit score went down : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries were deleted ; they need to be taken off again. I did not receive written notification within five days as per the FCRA rules ... therefore, Transunion is in violation of the law.

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 2017-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
After work one night I went to a local ATM to deposit money. I deposited almost {$500.00} in the ATM. A sign appeared on the screen stating that the transaction could not take place but my money was never returned. I filed a claim with Chase. The claim came back unfounded and they said they could not locate the funds. I asked who investigated and when to which they could not answer. While going over the details they realized they made the claim for the wrong ATM. So they opened a new claim. This one also came back unfounded and they stated again they could not find the funds could not tell me who investigated when they investigated or how they investigate. During the claim process they gave me a loaner amount of {$500.00} while they investigate it. When the claim came back unfounded they remove the {$500.00} without warning and it caused massive overdraws on my account. A total of five insufficient funds fees totaling {$35.00} a piece was applied to my account. I asked them to remove these fees as they were inappropriate and it was unfair to charge me these fees when they did no such investigation whatsoever. I have tried multiple times to find out how they investigate when where and who investigates with zero answers being given to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
On XX/XX/XXXX I received a phone call to my home landline phone ( XXXX ) from a gentleman requesting I pay XXXX owed to XXXX XXXX. Also that they could negotiate a lesser amount or take payments. I informed him that I did owe a debt 20 plus years ago but that it had been written off. I asked him to cease and desist all communication with me. On XX/XX/XXXX I received a second phone call to my cell phone from a lady over the same debt. Again I told her to cease and desist communication. She told me she would move my file. While I was on the phone with her my son in Texas received a call looking for me over same account. Then we come to XX/XX/XXXX I had a voice mail on my landline and cell regarding they were tracing my identity to get a hold of 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 2017-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: McCarthy, Burgess & Wolff, Inc.
State: CA

Complaint narrative:
I had cellphone service through XXXX XXXX AKA XXXX XXXX. I called them back in XXXX/2014 I am not exactly sure, and I requested the service to be cancel, because I start a new service with XXXX XXXX XXXX. I paid over the phone what they told me it was my outstanding balance, and then, a few weeks later I received a new bill which I dispute with them, but they never resolve, and instead the send me to a collection company ( MCCARTHY, BURGESS & ) who harassed me for several months. I will not accept this charges, because they gave me a payoff amount when I contacted them to close the service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26 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: CA

Complaint narrative:
I have paid all my debt, accounts that were past due or closed. some were removed but others were n't. i wrote to the credit reporting and sent them copies of the letters I received that shows they were paid but nothing has changed

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 2017-12-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent certified letters to the company repeatedly and XXXX XXXX XXXX refused to investigate my request listed below. I have already filed a complaint with the Texas Office of the Attorney General. 

Listed below is the request I send to the company again with proof and I received a response letter stating, we will not reinvestigate this request again. Plus, this letter was signed by XXXX XXXX XXXX. 

THIS LETTER IS IN RESPONSE TO INACCURATE INQUIRES AND MY PERSONAL INFORMATION LISTED ON REPORT. ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426- CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL. 

PLEASE NOTE, THIS IS MY FINAL COMMUNICATION IN REGARDS TO these INACCRATE ENTRIES BEING REPORTED. 

As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

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 2017-12-26 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: CA

Complaint narrative:
I have paid all my debt, accounts that were past due or closed. some were removed but others were n't. i wrote to the credit reporting and sent them copies of the letters I received that shows they were paid but nothing has changed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26 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: CA

Complaint narrative:
I have paid all my debt, accounts that were past due or closed. some were removed but others were n't. i wrote to the credit reporting and sent them copies of the letters I received that shows they were paid but nothing has changed

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 2017-12-26 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 recently found 6 fraud accounts has been listed to my credit reports to ( EXPERAIN, XXXX XXXX XXXX ) and also found address has been listed that 's i never lived there also wrong names has been listed too, i filed FTC report # XXXX and also i reported to local Authorities to XXXX # XXXX, the accounts listed below as : ( ( 1- ) ) -Account Name : XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 2- ) ) Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 3 ) ) - Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Date Opened : XXXX/XXXX/XXXX ( ( 4 ) ) - Account Name : XXXX XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 5 ) ) - Account Name : XXXX Account Number XXXX XXXX Date Opened : XXXX/XXXX/XXXX ( ( 6 ) ) - Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date 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 2017-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX/XXXX/17 I tried to add XXXX XXXX to my Digital wallet, XXXX _ but XXXX. XXXX is blocking me from doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26 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: EQUIFAX, INC.
State: OK

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26 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: OK

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2017-12-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation