vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-30 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: TX

Complaint narrative:
On XXXX XXXX I reviewed my credit with XXXX and they have my fico score is very damaging at XXXX in which it should be higher than that. XXXX statements of 60 days late payment and collection and 10 hard unauthorize inquiries has n't been deleted from my credit file after my file Bankruptcy Chapter XXXX on XXXX XXXX and it was Discharged by XXXX, Texas Federal Judge on XXXX XXXX. No negative statements, collections and unauthorize hard inquiries should n't be on my Credit report with XXXX, Equifax and XXXX. I did n't authorize no creditors to pull my credit without my personal signature, and if my signatures was provide it, than creditors should supply to Federal Government. The ten hard inquiries 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Michigan.XXXX pulled on XXXX/XXXX/XXXX XXXX XXXX XXXX . 2.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX pulled on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX 3.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX XXXX.pulled twice in XXXX, even though I have car loan with XXXX why they pulled my credit without my consent. 4.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX pulled on XXXX/XXXX/XXXX 5.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX XXXX.pulled on XXXX/XXXX/XXXX 6.XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX. XXXX.pulled on XXXX/XXXX/XXXX 7.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX . XXXX.pulled on XXXX/XXXX/XXXX 8.XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arizona.XXXX XXXX.pulled on XXXX/XXXX/XXXX 9.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX . XXXX.pulled on XXXX/XXXX/XXXX 10.XXXX XXXX XXXX XXXXXXXX XXXX XXXX, California XXXX.pulled on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX These are hard inquiries that are damaging my credit scores and plus collections and negative statements by XXXX, XXXX and Equifax. <P/> Also I never resided or lived at XXXX XXXX XXXX XXXX, Tennesse.XXXX.This address is on XXXX, XXXX and Equifax.This is Fraud.address

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I have wells fargo and I have a couple issues, one being is that i use an app called XXXX XXXX. I use it every 2 weeks so it 's nothing new with my bank and the last 2 times I have had to wait for my bank to send them information. I have been using it for months and had no issues until recently. I have contacted XXXX XXXX and they advised it Is on the bank side. I rely on the this app every pay check and having it delayed now is very inconvenient. I also have issues with their nsf fees. I always watch my bank and what is spent and lately what is coming out of my account to what my balance is showing I have left is completely wrong, they started showing a higher balance remaining in the account than what is actually there and they never used to it. They were very accurate and now I get multiple nsf fees every other week and I can not afford it. I am going to close them the next chance I get

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: GREAT LAKES
State: FL

Complaint narrative:
To whom it may concern, I 'm having a problem resolving loan payments to Great Lakes Educational Loan Services Inc. As of XXXX of this year, I had spoken with a representative grom Great Lakes in order to reduce my monthy payments. I am out of the country XXXX XXXX XXXX in XXXX and my income has been cut severely then what I make back home in Florida. I spoke with a representative I believe on XX/XX/XXXX or maybe the last week of XXXX right before I departed in order to make a financial agreement to at least pay something on my loans. To my knowledge and my bank statements from XXXX to XXXX, we had agreed on a {$20.00} payment covering both my loans until XXXX when I return. On XX/XX/XXXX the payments were correctly deducted and likewise on XX/XX/XXXX. As of XX/XX/XXXX, I noticed a {$250.00} deduction from my checking account from Great Lakes therefore, putting my bank account in an overdrawn state. I was then charged an additional {$35.00} a day until I could conveniently contact my friend in Florida to deposit a significant amount of money in my account. I have filed a complaint with the loan service as they have told me the only thing that I can do is fill out a income-driven repayment plan application. In doing so, the only result I get back from their website is for a forbearance plan in which case my account already states I am in until XX/XX/XXXX. This is where my confusion sets in. If I am already in forbearance yet still making {$20.00} payments it seems a little hypocritical to me. I have no problem making the {$20.00} a month payments which we had agreed upon before I left but, why the {$250.00} deduction? I have limited access to contacting the company unfortunately as my phone was shut off before arrival in XXXX, XXXX. The Great Lakes Ombudsman office has transferred my complaint to XXXX and I have not gotten an email back in 3 days. I am contacting your bureau in relief that I will be reimbursed my lost funds due to either negligence from Great Lakes or misinformation given to myself from them. I have pictures of bank statements online showing the {$20.00} deductions from XXXX and XXXX on top of the {$250.00} deduction from XX/XX/XXXX ( with the additional {$70.00} in overdraft fees ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 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: TX

Complaint narrative:
For the last 6 years I have been living in XXXX XXXX XXXX , XXXX XXXX and prior to that I was in XXXX XXXX XXXX, XXXX in XXXX XXXX with the XXXX XXXX XXXX. Any residences shown during this time that are NOT my address and are false. Prior to that I live in XXXX apartments. TransUnion Reports my previous addresses as XXXX XXXX apartment which at the time I was in XXXX XXXX XXXX, XXXX for military training. I have send them documents as the police report, which states that my green card, my DL, among other documents were stolen and they refuse to take this off from my credit. I will attached the response TransUnion send me. I have never live on those addresses. some of those are just copies from an actual address but do not exist in the map. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TranUnion also reports my name as XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. I have a legal name and all of those extra names are causing me problems with the XXXX and the XXXX I work with because they are connected to collection accounts they are not mine. <P/>They also report phone numbers that are consistent with information that is not mine. ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX ( XXXX ) XXXX. <P/>I have send many documents that support my statement, they REFUSE to take off what is NOT accurate and keep false information on my credit report. If need it I am willing to send any other documents they need from me. I have try for many years and ways to fix this problem but they do not care and in many occasions have said and I quote, you can report us to whom ever we are going to do as we have. I understand this company is bureaucracy but I am individual who is trying to is working with the government and hospital to were our credit report matters to change XXXX and to move higher in the XXXX XXXX. I am currently XXXX XXXX to finish my XXXX degree and I would like to continue in the XXXX and serve this country as this country serve me and my family but this company has not been of any help and has refuse to fix a major problem. I will like all of those names, addresses and the XXXX XXXX XXXX collection to be taking off 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 non-monetary relief
Consumer complaint received 2017-07-01 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 — Problem with personal statement of dispute
Company: American Credit Acceptance, LLC
State: IL

Complaint narrative:
I am a cobuyer to an auto loan in XX/XX/XXXX and have since divorced the buyer as of XX/XX/XXXX. I submitted a dispute to American Credit Acceptance directly, via XXXX, via XXXX, and the XXXX 1 ) requesting to delete the debt from my credit reporting for unfair collection practices for a cobuyer-no collection attempts made to my phone number, email address or home address 2 )  requesting to cease further collection proceeding-daily post default interest after charge off/closed account, a reposession in XX/XX/XXXX and auction resale of the vehicle in XX/XX/XXXX ; high interest is still accruing about $ 11/day presently 3 ) requesting to delete the debt and cease future default interest due to my divorce decree specifying the buyer is solely responsible for remaining debt and payoff to American Credit Acceptance *spousal maintenance. All disputes mentioned were resolved with the reason of accurate reporting by the creditor and specifying the creditor does not accept XXXX decrees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am applying for housing because I have changed employers. The apartment property management companies use a third party to score applications, and that party uses Transunion, which reports a " mismatch '' with my information, XX/XX/XXXX. I had been unable to obtain a credit report from Transunion to discover what this means. Online, when I filled in the information to get my credit report, I kept getting 'we are experiencing technical difficulties pop up '. After half a day and repeated calls, I finally reached a person at Transunion who could look at my report and tell me the problem : they have no social security number associated with my name. While thrilled that my information is not being abused, I still ca n't use it. They inform me that I can mail them copies of my id and SS, which takes 3-4 business days to process and another 7-10 business days to update ; meanwhile, more housing apps have been rejected - each of which entails a {$75.00} application fee. Moreover, I see my XXXX report that lists account after account : closed, never late. I have owned a home for the past 10 years and reliably pay every bill, yet when I move for work, my housing application is blocked by an inept reporting company. I tried to file a dispute, XX/XX/XXXX, with Transunion and their page pops up with a 'high volume, try back in 30 minutes ' message, for 5 hours despite refreshing and logging in anew. In the course of logging in, I was able to update my account which had an address from more than 10 years ago. When I try to get a copy of my report, I get a popup that I have already received it, which I have not. The Transunion site states that most disputes are resolved within 30 days, during which time, I 'll be paying XXXX for an extended stay hotel and another month of storage. Who is holding the reporting agency to quality control? I should at least be able to see my Transunion 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 non-monetary relief
Consumer complaint received 2017-07-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I mailed to EQUIFAX via certified mail a notarized Dispute Letter requesting that they verify the alleged accounts on my credit report ( attached ). The tracking from the USPS shows the letter was delivered on XX/XX/XXXX ( attached ) which they acknowledged receipt via email ( attached ). More than 30 days elapsed, and I have not received any response containing proof that EQUIFAX verified the accounts. The law stipulates ( FCRA Section 611 ) that the consumer reporting agency must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. I then mailed EQUIFAX a letter via certified mail which the tracking from USPS shows the letter delivered on XX/XX/XXXX ( attached ) advising them of their failure to respond and that because of that all unverified accounts on my previous dispute need to be deleted. EQUIFAX acknowledged receipt of that letter via email on XX/XX/XXXX ( attached ) but did not comply with my request or the law but rather informed me that they are starting a reinvestigation only ( attached ). According to Section 611 EQUIFAX has not established or met the criteria for extension of time from the original letter primarily for their failure to respond according to the law. I have and continue to suffer damages because I need to rely on an accurate and complete statement of my credit record which is reflected on the change to my FICO EQUIFAX credit score which has went down due to EQUIFAX operating outside the parameters of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: MarkOne Holdings, LLC
State: AZ

Complaint narrative:
On XX/XX/2017 I have been getting repeated calls all day long from MarkOne Financial. I was at work all day and was not able to pick up my phone. They have also contacted other friends and family members of mine and I know that it 's against the law to get repeated calls back to back from a debt collector and I 'm really upset at this point. This has not been the first attempt they call back to back all the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01 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: CA

Complaint narrative:
I 've been trying to fix multiple errors on my reports, to no avail.my proof of the error carries less weight than the creditors word. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, is the collection agency that is insisting they are correct, when they 're not. My business XXXX XXXX is a corporation # XXXX corporation number. We wrote a check to by advertisor, just before I had a XXXX XXXX and was forced to close my business. I should have been protected under my corporation. They will not show me a copy of the check, so I can prove my point.the 3 credit reporting agencies, do n't want to here the truth, or fix it.

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 2017-07-01 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: Riverwalk Financial Corporation
State: TX

Complaint narrative:
XXXX claimed that I received a package that was mailed to the wrong address. I informed them that I did not receive the merchandise and I did not live at the incorrect address. They stated that they would mail me a dispute form. I never received the dispute form and I attempted to get it sent to me again. It did not come to me. I have been disputing this charge for at least 3 years. I can provide my address to the reporting agency to show I did not live at the address mentioned. They can investigate if I knew those people at that address if they choose and they will find me innocent. This has caused me grief and hurt my credit for years. All I wanted was my charges to be removed for STOLEN merchandise. I now want all {$640.00} in charges and history removed from my credit report now. Deville Asset Management, can you show me a signed slip that I received the merchandise, if you do, I bet it does n't match any of my signature types. This is completely unfair and embarrassing.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01 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 is incorrect
Company: LEXISNEXIS
State: NY

Complaint narrative:
Please read company 's false response before I dispute In his complaint with your office, XXXX. XXXX states that two incidents reported by LexisNexis dated XX/XX/XXXX and XX/XX/XXXX are incorrect and are impacting his insurance premiums. In response to XXXX XXXX complaint, LexisNexis searched our systems using XXXX XXXX name and address as provided in his complaint and located two reports a XXXX . Auto report and a Motor Vehicle Record ( MVR ) report provided to XXXX XXXX insurance carrier, XXXX XXXX. On XXXX XXXX MVR report, LexisNexis located a moving violation issued on XX/XX/XXXX, with a conviction date of XX/XX/XXXX, which we believe to be one of the incidents XXXX XXXX is disputing. On XXXX XXXX XXXX . Auto report, LexisNexis located a claim dated XX/XX/XXXX,  which XXXX XXXX states is incorrectly reporting as at fault.
Page 2 XXXX In an effort to resolve XXXX XXXX concerns, LexisNexis initiated a dispute of the claim dated XX/XX/XXXX listed on his XXXX .  Auto report. During our reinvestigation of the claim dated XX/XX/XXXX listed on XXXX XXXX XXXX . Auto report, XXXX XXXX XXXX verified that XXXX XXXX was the named insured and the vehicle operator for the claim in question, and that the claim is a personal injury claim from being rear-ended. Please note that there is no fault assigned to this claim. Given this verification, LexisNexis is unable to remove the disputed claim from the XXXX  . database.
In regards to the moving violation issued XX/XX/XXXX for use of a mobile telephone while operating a motor vehicle, which has a conviction date of XX/XX/XXXX, the MVR obtained on behalf of XXXX XXXX was provided by the government agency of the state that maintains driver history information ( e.g., Department of Motor Vehicles, Department of Public Safety, or Secretary of State ). LexisNexis obtains MVRs from the appropriate government agency, standardizes the information, and forwards the information to the company requesting the record.
LexisNexis does not have the ability to change the substance of the information contained in the MVR other than to verify that the information is correctly standardized. The state in which XXXX XXXX is licensed to drive has the responsibility of maintaining his driving record. If he identifies errors in his MVR,  he must first contact the appropriate government agency in the state in which he is licensed to confirm the accuracy of their data.
If XXXX XXXX has any further questions for LexisNexis, please have him contact the LexisNexis Consumer Center via email at XXXX or by phone at XXXX-XXXX-XXXX. The LexisNexis Consumer Center 's hours of operation are Monday - Friday from XXXX XXXX to XXXX XXXX Eastern Time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I recently received a letter from portfolio recovery stating it is a response to a related complaint? really? sure its a response, BUT IT IS NOT VALID!!! PORTFOLIO HAS NOT ADDRESSED ONE ISSUE WITH CLARITY!! BECAUSE THEY CANT! THEY ARE CRIMINAL SCAMMERS AND I KNOW THIER GAME AND IM GOING TO EXPOSE IT RIGHT NOW!!! Portfolio is using tactics of deception, dishonesty, extortion, and defamation to collect an amount that was never owed to them they bought this information for pennies on the dollar. this is n't even a debt it is just some numbers that has already been discharged by the bank to my treasury direct account. it 's only a statement and it 's not a bill!!! there is a gross gross difference between the two words, if portfolio can send me a TRUE BILL AND CONTRACT which they ca n't because they know they ca n't!!! they must get out of my life because they are professional scammers and they rip people off and deceive people to steal their money which was never OWED!!!! on one letter is says " this is not an attempt to collect ''? really? then why are you using methode OF EXTORTION ON MY CREDIT REPORT?? YOU PEOPLE ARE SUCH XXXX LIARS!!! LIARS LIARS LIARS AND LIARS!!!!!!!!!!!!!!! PROVE TO ME A CONTRACT SHOWING MY OBLIGATION [ S ], AND HOW WILL YOU RESPOND AGAIN BY SENDING ME A LETTER SHOWING ME SOME NUMBERS THAT WAS ALREADY PAID?? ALL BANKS DISCHARGE AND CHARGE OFF DEBTS THROUGH EVERYONES TRUST ACCOUNT,!!!! THE UNITED STATES TREASURY PAYS THEM!! AND XXXX LIKE PORTFOLIO RECOVERY BUYS THE INFORMATION FOR PENNIES ON THE DOLLAR AND TRIES TO COLLECT THE FULL AMOUNT BY METHODS OF DEFAMATION AND SMEARING YOUR CREDIT REPORT!!! THIS IS THE XXXX XXXX WE ARE DEALING WITH HERE, MY NEXT COMPLAINT WILL BE A LEGAL NOTICE INTENTION TO SUE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01 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: EQUIFAX, INC.
State: NC

Complaint narrative:
ON   XXXX /17 a nd  XXXX /17,  two d ifferent lenders attempted to retrieve my Equifax credit report but was unsuccessful due to some type of fraud alert. I have contacted them on both occasions, provided case number and on the last call, was hung up on by the rep when requesting to speak with someone regarding this.   XXXX  Advised that all information needed to be updated so it match and there was no issue in retrieving, although sent in  one 3 prior o ccasions in the past 6 months but was refused.

Company response to consumer: Closed with explanation