vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-11 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Hello, Please help! I feel like my consumer rights have been violated and I have incurred damages as a result. This is my last effort to get help before seeking the advice of an attorney and suing in court. 

I am a XXXX and attempting to purchase a home. I had a student loan charge off several years ago ; that I am working on settling. The mortgage company and several of my creditors have denied me loans/credit because they are stating that according to XXXX ( XXXX and XXXX have it correct ) they are reporting that the charged off account has a monthly payment of {$41000.00} per month x 235 months and thus puts my monthly debt to income ration off. However, the entire balance was {$41000.00} and the monthly payment was {$220.00}. 

I disputed this with XXXX now 4 times and have spent hours on the phone with no resolution. XXXX tells me that they are not reporting {$41000.00} per month. However, when they sent me the investigation results it clearly shows the terms they are reporting. Please see attached. 

I contacted Wells Fargo the owner of the account and was advised that they are not reporting a monthly payment of {$41000.00}. I don't know what else to do! I am unable to purchase a home or get lines of credit due to this error. 

Please see the attached document from XXXX and advise me on my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 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: TX

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written, nor verbal. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. After sending in multiple disputes experian is refusing to verify or remove these inquiries ( below ). 

1. XXXX XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX  XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. 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 explanation
Consumer complaint received 2019-05-11 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: DFC Global Corp.
State: CA

Complaint narrative:
I have received a phone call i believe beginning of XX/XX/XXXX or end of XX/XX/XXXX dont remember. It was some kind of collection agency harassing me and yelling at me trying to collect {$4700.00} for Money Mart and for some reason saying it was mine and i opened the account back in XX/XX/XXXX but yet It was never reported onto my credit report until after that phone call on XXXX XXXX and i believe XXXX as well since they report to both of those bureaus it was a woman saying she has been doing collection agencies for 15 years. Very rude and threatened me to go to court for me doing fraud with inaccurate and fraudulent information and reporting. I attatched a screenshot of what that company has reported on my XXXX XXXX. AGAIN never was reported onto my account until after the phone call and it says the account was closed XX/XX/XXXX. They have no proof of payment history. High balance is {$2500.00} but were trying to collect {$4700.00}, and as you can see somehow my last payment was XX/XX/XXXX. All of these are against the FCRA Section 609 E Please remove this inaccuracy from my report because i felt very harassed and everything is inaccurate and affecting my credit score negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 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: TX

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. I've sent multiple disputes to Equifax and they refuse to verify these inquiries ( showing proof ) or delete these inquiries ( Below ). 


1. XXXX XXXX XXXX XXXX XX/XX/XXXX. 
2. XXXX XXXX OF XXXX XX/XX/XXXX. 
3. XXXX XX/XX/XXXX. 
4. XXXX XXXX XX/XX/XXXX. 
5. XXXX XXXX XXXX XXXX XX/XX/XXXX. 
6. XXXX XXXX XX/XX/XXXX. 
7. XXXX XX/XX/XXXX. 
8. XXXX XXXX XX/XX/XXXX. 
9. XXXX XXXX XX/XX/XXXX. 
10. XXXX XXXX XX/XX/XXXX. 
11. XXXX XXXX XXXX XX/XX/XXXX. 
12. XXXX XX/XX/XXXX. 
13. XXXX XX/XX/XXXX. 
14. XXXX XXXX  XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 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: VW Credit
State: NJ

Complaint narrative:
i no longer have the original lease documents for this car, but lease origination date, term, and number of payments received are all very clearly visible on my credit report as reported to XXXX and XXXX   by VW Credit Inc. 

The lease started in XX/XX/XXXX with a term of 36 months. My credit file shows on time payments each and every month through and including XX/XX/XXXX so 36 months, 36 payments due and 36 payments made. 

For the time period from XX/XX/XXXX through XX/XX/XXXX the loan was reported as Account Status = Closed, Payment Status = Paid/Never Late. For some reason in XX/XX/XXXX VW Credit Started reporting again on a lease that had been closed out for a year and is now showing it as Payment Status = Paid, was a repossession. Repossess a car on a lease which had ended and was paid a year prior? 

I don't get it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 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: WA

Complaint narrative:
I filed a dispute with Experian for an account that has been closed and settled for over three years and they dropped my credit score from XXXX to XXXX and said I have a recent late payment on the account that is closed.

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 2019-05-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC
State: CA

Complaint narrative:
My complaint is about : Greensky , LLC ( the Lender ) On XX/XX/2019, I was referred to this company by XXXX XXXX XXXX, a dentist that used fraudulent diagnoses to make me believe that the work needed for my teeth wasn't covered by my insurance ( which was not true ), and that I actually needed more work than was necessary. 

This dental office has only started the work, and I suspected they were trying to rob me. 

I obtained a second opinion, and confirmed that in fact, most of the work they said I needed was unnecessary. 

At this point, the dentist has only done preparatory work for me, and all services have not been rendered, yet Greensky has already sent them payment, and then sent me a bill for {$7800.00}. 

I reached out to Greensky, and they said that they would look into the issue, and that if I had not had services rendered, they could refund the payment. A " Resolution Specialist '' from Greensky called me during work hours and left me a message, but when I tried to call them back, they were never available, and I left them a message as well. It has been a week, and I have yet to speak to anyone at Greensky. I've only been able to contact them through email. 

It says in their own disclosures that they only issue payment for services rendered, and that has not happened yet. They replied to me today via email stating that services have already been rendered, according to the dentist 's office, and that's why they issued payment. 

I will be going to the dentist 's office tomorrow, XX/XX/2019, to ask why they have already billed for work they have not completed, and to ask them to cancel their intended work. I would like to ensure this doesn't happen to anyone else, and would like Greensky , LLC investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Herbert P. Sears Co., Inc.
State: CA

Complaint narrative:
HP Sears is a debt collection company affiliated with XXXX XXXX XXXX XXXX. 
HP Sears as listed a debt for the amount of {$1300.00} which they claim I owe to XXXX XXXX XXXX, I contacted the XXXX XXXX Office they stated that I owe located at : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX by telephone at ( XXXX ) XXXX. 

I spoke to one of the office assistance there and she could not locate a file or account for me. I called back and spoke an agent with HP Sears after speaking to XXXX XXXX who again verified by phone that the account was with the XXXX XXXX XXXX XXXX office listed above. 
I have not been in a XXXX XXXX office since 2016 and the bill was paid through my employer at the time which was XXXX XXXX XXXX. 
XXXX XXXX, XXXX can not find a file or locate an account with my name or birthdate therefore, I would like the {$1300.00} debt that HP Sears as falsely placed me ruining my credit.

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 2019-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Capital Alliance Financial, LLC
State: GA

Complaint narrative:
I have never applied or any contract with company the claim is false and they have not provide any proof that I owe the debt and file this in county That I do not live and this is a violation of the federal debt collection act and have no mean to fight them in another county.  this is harassment and I going to file charge against.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion allowed the same collection agency named XXXX XXXX XXXX to put the same charge back on my credit report for {$180.00}, after I had submitted proof to them of my Identity being stolen through an official Identity Theft filing with the CFPB. The company tried not to disclose their full legal name on my credit by just adding an " S '' at the end of their name instead of writing out XXXX XXXX XXXX, therefore, which made it difficult to officially research the company. I have never had any dealings nor do I have any knowledge of this company and charges. As reported to Transunion, in XX/XX/XXXX and in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I am a victim of Identity Theft. A copy of filing is attached.

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 2019-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have never applied or any contract with company the claim is false and they have not provide any proof that I owe the debt and file this in county That I do not live and this is a violation of the federal debt collection act and have no mean to fight them in another county. this is harassment and I going to file charge against.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-11 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: GA

Complaint narrative:
I am resting a re-investigation of the XXXX  XXXX   XXXX  Collection account in the amount of {$570.00} by XXXX- Equifax and XXXX This account does not belong to me and should be removed and deleted- XXXX  has failed to provide a copy of any signature of a contract.The debtor XXXX  XXXX  XXXX is different from XXXX XXXX   XXXX  has listed. XXXX has failed to provide copies of any copies of balance total was calculated to the amount of {$570.00} XXXX XXXX XXXX  has never mailed me a collection according to the Fair Debt Collections act It is my belief that XXXX XXXX is in violation Fair Debt Collections P 807. False or misleading representations 2 ( a ) ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 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: CA

Complaint narrative:
I filed a Complaint with Experian as they are the only one of the 3 major reporting Companies who are continuing to illegally show information that they are required by law to remove from their report full of lies. 

They are criminals and have been doing this for years. Is anybody ever going to do something about these Criminals? EVER?

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 2019-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Every year, I consistently have issues receiving a free copy of my Equifax report online. Furthermore, I have issues submitting disputes online ... this problem is ongoing and consistent and I have noted that it is not exclusive to me. Everyone I know has the same problems ... their website is always down. I would like to see CFPB crack down on this lingering issue. It should not be difficult for a consumer to access their own report, and it should be completely FREE and available online.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am resting a re-investigation of the Portfolio Recovery Services Collection account in the amount of {$570.00} by XXXX XXXX  and XXXX This account does not belong to me and should be removed and deleted- Portfolio has failed to provide a copy of any signature of a contract.The debtor XXXX XXXX   XXXX  is different from XXXX XXXX Portfolio has listed. Portfolio has failed to provide copies of any copies of balance total was calculated to the amount of {$570.00} Portfolio Recovery Services has never mailed me a collection according to the Fair Debt Collections act It is my belief that Portfolio Recovery is in violation Fair Debt Collections P 807. False or misleading representations 2 ( a ) ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 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: ID Analytics, Inc.
State: AL

Complaint narrative:
Well I am a consumer and I received a letter informing me that I was denied credit. So when I look too see the credit agencies they used I see XXXX and some company named XXXX I dont know them and have never heard of this company. Okay so I pulled my scores from all three agencies ( XXXX, XXXX & XXXX ) and they were basically the same but with this company my score is extremely low and this is not accurate and I want something done about it. The letter is dated XX/XX/XXXX although I initially applied for credit on XX/XX/2019 2019

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 2019-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
I've never had an account with XXXX XXXX. This error must be removed : XXXX XXXX - {$1700.00}. It's hurting my credit score for to long now. Ridiculous.

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 2019-05-11 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: American Credit Acceptance, LLC
State: FL

Complaint narrative:
XXXX This is not my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 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: Servatus Corporation
State: FL

Complaint narrative:
{$16000.00}. This is not my 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 2019-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
XX/XX/XXXX on my cash app account, {$150.00} was sent to $ payingclient but was not authorized by my but one of my friends thats has their fingerprint on my phone and I tried canceling it and requesting it back but no answer. I already removed the fingerprint security to a number password.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: DC

Complaint narrative:
XX/XX/2019 Re : XXXX & Portfolio Assoc collecting agency Dear  Sir/Madam : XXXX & Portfolio must be removed from my credit report for several specific reasons. They never sent me a bill. Second the amount is inaccurate. Third I contacted them numerous times about not receiving a bill and they could not answer my questions nor did they have information about my account. Then after many months I eventually moved and never received a bill either at my new address. 

Then they sold the account to a new collection agency and they two have never sent an accurate bill to me and the information they list on all three credit bureaus is inaccurate. 

Furthermore I do not wish to assist them with providing either my new address or any personal information for fear they may simply update the credit report or begin harassment. They do not have either my address or my phone number! 

I tried to resolve this issue through XXXX credit council but to no avail. 

Can you advise how to proceed without providing them any assistance to harass me? 

Lastly they violate FCRA. So they must remove both items.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My brother-in-law sent me {$420.00} through the XXXX app to my chase account. The transaction shows as being completed from his bank and the funds were withdrawn from his account. The funds never came to my account. We have had numerous detailed calls over the course of 6 months with XXXX and Chase. XXXX has provided transaction numbers showing that the funds were transferred to Chase. Chase has given mixed messages, first telling me they see the transaction and then telling me no transaction ever occurred. I am still without {$420.00} and it is on Chase to provide me with a resolution. XXXX has also reached out to them without any response back.

Company response to consumer: Closed with explanation