vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-02 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: UT

Complaint narrative:
XXXX XXXX XXXX is attempting to collect on a debt I do not owe. I directly made a payment through the original creditor XXXX XXXX XXXX online and paid the balance in full. I should not have any balances or any collections for this account. I had no idea, I received no notifications or phone calls about this debt. And I did not get my 30 day right to dispute, which is a violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 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: UT

Complaint narrative:
XXXX XXXX XXXX is attempting to collect on a debt I do not owe. I directly made a payment through the original creditor XXXX XXXX XXXX online and paid the balance in full. I should not have any balances or any collections for this account. I had no idea, I received no notifications or phone calls about this debt. And I did not get my 30 day right to dispute, which is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 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: UT

Complaint narrative:
XXXX XXXX XXXX is attempting to collect on a debt I do not owe. I directly made a payment through the original creditor XXXX XXXX University online and paid the balance in full. I should not have any balances or any collections for this account. I had no idea, I received no notifications or phone calls about this debt. And I did not get my 30 day right to dispute, which is a violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 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: NATIONWIDE ACCEPTANCE LLC
State: IN

Complaint narrative:
My identity was compromised between XXXX ant XXXX. During this time several inquiries were made on my XXXX report. I demand that these items be removed immediately. 

XXXX XXXX XXXX NATIONWIDE CASSEL LLC   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 2019-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: NY

Complaint narrative:
Debt was not supposed to go to collections. i am on XXXX XXXX and should be covered by SCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GOLD KEY CREDIT, INC.
State: TX

Complaint narrative:
Hospital bill was placed in collection. I was approved for SSI and had Medicaid covered the charges. I spoke with the hospital in XXXX and again in XXXX giving them my Medicaid number and then again confirming the account had a XXXX balance. After both of those calls, I called collection agency to inform them of the status. They have yet to remove this from my credit report

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 2019-05-02 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My identity was compromised between XX/XX/XXXX ant XX/XX/XXXX. During this time several inquiries were made on my Experian report. I demand that these items be removed immediately. 

XXXX XXXX XXXX. 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 2019-05-02 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: Credit Systems International, Inc.
State: TX

Complaint narrative:
Does not give enough evidence of original debt, unable to verify consent to open account, did not show proof of Authorization or Agreement to purchase, pay for, merchandise or services. failure to investigate authenticity orginal debt, failed to provide information regarding orginal debtor information and creditor. Refusal to remove inaccuracies negative Mark 's on credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo has not sent me copies of my monthly HELOC statements for two years even though I've requested them multiple times. In addition, the account has been deleted from the Wells Fargo website entirely and is showing up as " dismissed '' on my credit report from a prior bankruptcy. However, the bank continues down the path of foreclosing on the property.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 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: OH

Complaint narrative:
.To Whom It May Concern, The reason for my dispute is XXXX XXXX, XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX, XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX, XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX, XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see whereXXXX XXXX, XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX XXXX, XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 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: Early Warning Services, LLC
State: GA

Complaint narrative:
I have contacted Early Warning Systems, and XXXX about an entry they are reporting about me that is fraudulent, and was opened as an act of identity theft. XXXX allowed for both a personal loan and a credit card to be opened in my name without my permission and fraudulently. I have tried to work directly with XXXX many times and tell them that neither of these accounts were opened by me and have gone into great detail explaining to both XXXX and Early Warning where XXXX reported the debt to that this was fraud. I have provided them a police report that outlined that I was a victim of identity theft and that many fraudulent accounts were opened in my name and correct social security, every since I was a victim of identity fraud. When I have spoken to both of these companies they have both refused to assist me and told me that did not care that I stated I was a victim of identity theft/fraud they would not remove their derogatory reporting of these two fraudulent accounts. My identity was stolen when my wallet was taken from me in 2009 when I was robbed. I have had about 17 charge cards, 2 auto loans, and 3 personal loans opened in my name due to this fraud/identity theft, and none of these fraudulent accounts should I be held accountable for. 

XXXX told me in one of the calls that I had with them that the accounts they claimed were opened in my name were included in a bankruptcy, Well I have never filed a bankruptcy EVER, and either of these parties can check my XXXX File, My XXXX File, and My XXXX File and they will see there is no record of any bankruptcy that I filed. 

Both Early Warning and XXXX are acting in a willful manner of inflicting emotional distress upon me by continuing to report this fraudulent information. They are defaming my character by them continuing to disseminate information that has nothing to do with me except the fact they allowed fraudulent accounts be opened in my name and they are totally unwilling to act in accordance of the FCRA and rectify this matter. I am attaching a copy of my most recent credit report that will affirm that I was a victim of identity fraud/theft and am asking for the immediate removal of this fraudulent information..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
My name is XXXX XXXX. Portfolio Recovery Associates started recording on my credit report two accounts. I paid one to get it off my credit and then started wondering if these were actual amounts due. I wanted proof of ownership from Portfolio recovery and I was told they do not have those documents. I wanted a application showing that I acknowledged any terms from XXXX XXXX. They could not supply me with any documents and informed me that they do not have these documents. I was told by XXXX XXXX on a recorded line that there was a charge from XXXX XXXX that they maybe can get a contract from XXXX XXXX to prove that I acknowledged an application. I'm quite skeptical as they can not supply me with anything besides a statement for either account. I also requested documentation as I believe I could have been part of a previous complaint issued regarding tactics that threatened me with attorneys. They can not supply me with any letters that were previously sent to me but only the letter showing that i paid the previous debt on ONE of the accounts they currently list on my credit. I would like answers as they keep telling me they will put in a request but inform me they have no idea what the turn around time would be on obtaining any documents. 


Portfolio Recovery Associates, LLC ( " PRA '' ) purchased the XXXX XXXX XXXX XXXX XXXX XXXX XXXX   account ending in XXXX from XXXX XXXX XXXX on or about XX/XX/XXXX. Information provided to PRA by XXXX XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX by XXXX XXXX whose social security number ends in XXXX, the account became delinquent on or about XX/XX/XXXX and that a balance of {$1200.00} was on the account at the time of PRAs purchase.

Portfolio Recovery Associates, LLC ( " PRA '' ) purchased the XXXX XXXX XXXX XXXX XXXX XXXX XXXX account ending in XXXXfrom XXXX XXXX XXXX on or about XX/XX/XXXX.

Information provided to PRA by XXXX XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX by XXXX XXXX whose social security number ends in XXXX, the account became delinquent on or aboutXX/XX/XXXX and that a balance of {$730.00} was on the account at the time of PRAs purchase.

Please can you look into this and obtain documents from this company as they can not supply me with any information requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My designated point of contact for my Wells Fargo mortgage assistance application has left the department on or about on XX/XX/19 and I was told a replacement agent would be in contact with me. No one from the bank has contacted me and as of XX/XX/19 and no agent has been assigned to my case. This is a clear violation of the California Homeowner 's Bill of Roghts. In addition the previous agent, XXXX XXXX, sent a letter dated XX/XX/19 stating that my appeal information had been received when in fact I hadn't submitted an appeal request, but would do so prior to the XX/XX/19 deadline.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I have contacted XXXX XXXX XXXX, and USSA  about an entry they are reporting about me that is fraudulent, and was opened as an act of identity theft. USAA allowed for both a personal loan and a credit card to be opened in my name without my permission and fraudulently. I have tried to work directly with USSA many times and tell them that neither of these accounts were opened by me and have gone into great detail explaining to both USAA and XXXX XXXX where USSA reported the debt to that this was fraud. I have provided them a police report that outlined that I was a victim of identity theft and that many fraudulent accounts were opened in my name and correct social security, every since I was a victim of identity fraud. When I have spoken to both of these companies they have both refused to assist me and told me that did not care that I stated I was a victim of identity theft/fraud they would not remove their derogatory reporting of the

se two fraudulent accounts. My identity was stolen when my wallet was taken from me in XX/XX/XXXX when I was robbed. I have had about 17 charge cards, 2 auto loans, and 3 personal loans opened in my name due to this fraud/identity theft, and none of these fraudulent accounts should I be held accountable for. USAA told me in one of the calls that I had with them that the accounts they claimed were opened in my name were included in a bankruptcy, Well I have never filed a bankruptcy EVER, and either of these parties can check my XXXX File, My XX/XX/XXXX File, and My XX/XX/XXXX File and they will see there is no record of any bankruptcy that I filed. 

Both XXXX XXXX and USSA are acting in a willful manner of inflicting emotional distress upon me by continuing to report this fraudulent information. They are defaming my character by them continuing to disseminate information that has nothing to do with me except the fact they allowed fraudulent accounts be opened in my name and they are totally unwilling to act in accordance of the FCRA and rectify this matter. I am attaching a copy of my most recent credit report that will affirm that I was a victim of identity fraud/theft and am asking for the immediate removal of this fraudulent information..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Credit card or prepaid card — Store credit 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: MD

Complaint narrative:
I was issued 2 store credit cards for Home Depot store with my same name and numbers on both cards. Unfortunately one of them were missing without me knowing for a little while. My wife who paid all the bills made the usual payments for a few months and questioned why did I went over the limit and why did I buy all that materials and not use my regular business credit card and that was when we both found out one of the card was missing and fraudulently used to make purchases between XX/XX/XXXX until XX/XX/2018. It went way over the {$2500.00} credit limit and we immediately called Home Depot/Citibank to make the disputes. The total charges were over {$3000.00} but I dont have the exact number because they put on interest fees and etc. ( They should have all the fraud charges by the exact numbers on their record ) I also told them we dont sign the back of any one of our credit cards and wrote Ask For ID on the signature panels for safety. 
After a course of over a year, We sent in police report, driver license and all the things they asked for several times. Sometimes with them never received it so I would have to send it again after a long waiting period. They always came back with one reason : *The facts and/or information reviewed as part of the investigation does not substantiate the claim of unauthorized use. 
The last person from Citi I spoke to on the phone with said because I made payments to the account so thats one reason why they decided to put the charges back into my account even though I kept telling him we would make payments due to us wanting to keep my credit perfect. 
With that being said, he then referred me to write to their : Presidential Communication Executive Response in Tennessee with the XXXX XXXX address in XXXX, Tennessee, which I also did, but until today I never heard back from them and dont even know if they received my letter and package. I am very frustrated because Home Depot didnt do their job of checking the card or ask for ID, allowed the account to go way over the limit to nearly {$4000.00} when limit was only {$2500.00} and now trying to pins me for something I didnt make the charges of. 
I cant put each and every item to itemized on here because it was so many that didnt even know where to begin. They do have all the info but kept asking me jump through hoops for over a year. 
They refused to go any further and kept telling me to send stuffs over the mail to a XXXX XXXX that I never heard back from. I am at the end of the rope. This is very bad practice and this need to get out to the pubic how they ran their business.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT REPORT AND I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: DC

Complaint narrative:
Initially on XX/XX/XXXX sent documentation to company for modification of my loan all documents requested were sent how ever there was always something more requested each time i would get another person on the phone who would tell me different things every time a document was sent that was requested i was told that it took at least 5 days to verify receipt.on XX/XX/XXXX the modification processed was closed to me for not having certain documents sent eventually spoke with a supervisor who show there error and the remod was reopened on or about XX/XX/XXXX .this same situation continued to occur it seem as though a systematic way to deny me access to even be reviewed for a modification because even this time it never went to under writing for a decision to be made.I have had to file Bankruptcy just to keep my home and this lender has refused my rights to be considered a modification please help.

Company response to consumer: Closed with explanation