vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-21 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: MA

Complaint narrative:
I'm perplexed to find out that the 3 major credit reporting agencies [ XXXX, XXXX, and experian ] hasn't responded or resolved the issues that I have constantly sent to them. I've noticed that there are multiple inaccuracies, and errors on my credit report which i've attempted to contact both credit bureaus, original creditors and the debt collectors. I haven't received any responses from them and would like amicable resolutions into these accounts. 

I'm certainly not aware of the following accounts and I don't believe I was ever late on them .... 

XXXX XXXX # XXXX ; XXXX XXXX XXXX XXXX # XXXX ; XXXX # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX XXXX # XXXX ; I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation. I appreciate your help regarding this and look forward to keep having the positive experience that I have had with you in the past. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ORG GC GP BUYER, LLC
State: CA

Complaint narrative:
I had a debt on my credit report from XXXX XXXXXXXX XXXX in XX/XX/XXXX. I disputed the validity of this debt and the reporting company removed it from all 3 bureaus. As of XX/XX/XXXX this debt has re-appeared, this time being reported by GC Services. I have initiated debt validation with them as of XX/XX/XXXX. The biggest issue of this at this moment is the re-aging of this debt. it was originally reported as XX/XX/XXXX and is now being reported as XXXX XXXX. This is a complete violation of 15 U.S. Code & 1681s-2 responsibilities of furnishers to report ACCURATE information. This is completely inaccurate and this collection agency should be reprimanded for their deceitful collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Borrower finalized her divorce from the primary borrower on the loan, on /or around XX/XX/XXXX. 
Since then the secondary borrower have been paying the monthly mortgage payments. The secondary borrower have tirelessly presented financials and the ability to pay the mortgage, but the lender have continually rejected removing the primary borrower from the loan. Although the settlement agreement, as well as the divorce decree, have been presented to the mortgage company. 
Again, I requested a modification on/or around XX/XX/XXXX, and was denied because XXXX XXXX XXXX XXXX, dba, Home Mortgage Company because they factored in the primary borrowers ' income although the primary borrower was no longer in the home. Also, effectual documents were submitted to the lender along with their representatives. 
Most recently as XX/XX/XXXX through XX/XX/XXXX the above documents were presented to XXXX XXXX XXXX XXXXXXXX, dba Home Mortgage Company both to the refinance department also  assumption department. Yet both applications were denied, based on the foreclosure on the primary borrower in XXXX. This is not feasible to continue to carry the other borrower on a loan that he has not paid for in over nine years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Adjustment Service, Inc.
State: FL

Complaint narrative:
Merchant contacted many times. See prev complaint XXXX where merchant failed to acknowledge previous contact attempts. Merchant advised does not have a contract of service where service was to be performed. Merchant is attempting to collect a debt for services not contracted/requested. XX/XX/XXXX ; XX/XX/XXXX ; XXXX- No calls or voicemails received from merchant. No letters, service contracts, signed bill of sale or supporting docs received from merchant. I have attempted many times to get this information yet the merchant does not answer the phone. Only contact was in XXXX by phone in which no docs supplied to me either. XXXX disputes contained a request for supporting docs but merch is denying this. The lack of communication by the merchant has prevented me researching this debt as well as having the proper information to support the charge. I feel merchant is using deceptive and abusive tactics due to lack of letters, supporting info, req for docs unfulfilled, false statements, and failing to answer phone after multiple reasonable and prudent attempts. I believe this merchant has committed a UDAAP violation and is attempting to collect a debt for a service that was not contracted/requested by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 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: MO

Complaint narrative:
Applied for mortgage through XXXX XXXX and they said my report included my dads credit cards and mortgage. I dont own any property and have no XXXX or XXXX credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 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: MO

Complaint narrative:
Applied for mortgage through XXXX XXXX and they said my report included my dads credit cards and mortgage. I dont own any property and have no XXXX or XXXX credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On, XX/XX/XXXX, I requested several times via Bank of America Privacy Assist Representatives and Supervisors to receive my credit scores from XX/XX/XXXX. These are the most recent credit scores following my cancellation of the Privacy Assist during XXXXXX/XX/XXXXXXXX. 

I have been told by privacy assist officials that they can no longer access my membership history because such history has been archived. However, I am writing to file a formal complaint to request the most recent credit scores that were sent to me by privacy assist during the month of XX/XX/XXXX. 

I was a member of privacy assist from XX/XX/XXXX to XX/XX/XXXX. I feel it is my right to have access to information and documents that were provided to me during my membership period, of which I paid {$12.00} per month. 

Additionally, I have learned that a lawsuit was filed against privacy assist for false advertisement and refusal to grant membership for the first 30 days of membership. It is my understanding that this lawsuit was settled back in XXXX. I would like to know if I am eligible to receive a fund for my privacy assist services for which I was billed from XX/XX/XXXX to the end of XXXX, the time frame of the lawsuit. I have called numerous times the telephone number that was give to me by a CFPB representative, but I have been unable reach someone about this matter. I would be most appreciative if someone could help me with this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: SC

Complaint narrative:
I CONTACTED SEQUIUM ASSET SOLUTION @ XXXX & XXXX DUE TO THIS ACCOUNT SHOWING ON MY XXXX CREDIT FILE AND THE ACCOUNT IS NOT MINE AND DOES NOT BELONG TO ME. I SPOKE W/CUSTOMER SERVICE REP WHICH MADE HER MANAGER IN COMPLIANCE ( XXXX XXXX-MANAGER ) AWARE OF WHAT HAS HAPPENED AND THEY VERIFIED WHILE I WAS ON THE PHONE THAT THIS ACCOUNT IS IN FACT ( NOT MINE/DOES NOT BELONG TO ME ). I WAS TOLD THAT THIS ACCOUNT {$930.00} WHICH STATES WAS OPENED XX/XX/18 WHOULD BE PROMPTLY DELETED. CALL REF # XXXX. 
SEQUIUM ASSET SOLUTION XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX # XXXX EXT:XXXX ( COMPLIANCE MANAGER XXXX XXXX ) HAS NOT DELETED THIS ACCOUNT FROM MY XXXX  CREDIT FILE. I AM ALSO FILING AN ONLINE COMPLAINT WITH THE FTC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have been an American Express card holder since XXXX, and a Platinum card member since XXXX. American Express pulled a " bait and switch '' in their issuance of a Platinum card to me. An employee/agent of American Express stated to me that upon the condition precedent of having to pay the entire balance of the card every month the quid-pro-quo is that there is no spending limit on the card. My wife of XXXX  years XXXX XXXX in XXXX, XXXX after a long and anguishing XXXXXXXX. I made arrangements with a XXXX XXXX for the XXXX XXXX  and the service. The XXXX XXXX  advised me that they accepted American Express and therefore not to worry about the charge. However, on the day of the XXXX  American Express refused the charge, I was shocked and enraged beyond words. During this time of immobilizing grief I had to suffer the further embarrassment of having to tell the XXXX XXXX  that I was not able to pay on that day. Fortunately the XXXX XXXX  was understanding, and I wired them the money a few days later. I was marketed and induced to pay additional monies for an American Express Platinum Card on the assurance that there would be no spending limit as long as I paid my bill in full each month, which I did for over 40 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 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: MN

Complaint narrative:
Experian and XXXX  placed a collections XXXXXXXX XXXX   on my credit report without my knowledge or verifying that the debt was mines. I did not receive anything in the mail about this collections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: LA

Complaint narrative:
My GM Financial account should not be showing any balance as my gap insurance covered this. I have a letter to prove this that has been uploaded. I am actually getting back a credit of {$1800.00} for my Vehicle Service Contract. There should be no balance reporting for GM. Please correct this on my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
I tried to get a loan with this company XXXX XXXX. They approved me for {$2000.00}. After approval they contacted me and told me that there were going to deposit {$800.00} into my account as a versification process that I would then have to withdraw and send back to them. This sounded highly irregular so I declined. They then proceeded to tell me that it was too late and that if I did not return the money to them after the 2hr time period it would take to transfer the {$800.00} to my account that they would contact the local police and have me arrested. They also said they would contact the SSA to get the money from my taxes. I told them to cancel everything. I dont want the loan. They refused to cancel the loan process. This happened today XX/XX/18 between XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
XXXXXXXX XXXX XXXX has called through the whole month of XXXX when i finally spoke to them the were asking for month amount between 700 to 900 a month which that is not possible i explained to them that i can afford that amount and that if it can be lower the manger i spoke to said absolutely not that is the only amount that will be. I forgot the manager name

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally Financial and XXXX XXXX XXXX is and hires fraudulent employees that commit fraud against us as consumers and report false and negative information in order to gain more money after they have been paid in full and saying that Gap did not pay them the claim, and we the consumer have proof that it is paid in full. 
Also, XXXX XXXX is fraudulent company which did not pay the remaining balance from our Gap claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 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: AL

Complaint narrative:
Went to a Credit Union on XXXX to open a checking & credit card account in a new city where I accepted a promotion with my employer. The Credit Union tried to pull a credit report from Equifax using my social security numbet & last two addresses. Equifax came back & said that the social security number belongs to another customer. Equifax told us to fax a copy of my SS card & Driver 's License to them. The bank helped me do so on XX/XX/XXXX. Equifax stated that even if they receive a fax, that they would ignore it as I have nothing on file. I, again, called Equifax & they stated that I have no name, credit, employer for my SS # ... on file at all, but I had pulled a credit report from Equifax on myself in XX/XX/XXXX. The other 2 credit agencies have my credit info attached correctly to my SS #. I tried to place a dispute on line at Equifax, but there was nothing to dispute as tbey claim to have no information at all on me connected to my SS #. For them, I just do not seem to exist. Equifax asked me to send them a copy of one of their reports that I pulled but I shred them after I review them for accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
On or about XX/XX/XXXX I went to XXXX XXXX to check out a XXXX XXXX XXXX that was advertised on XXXX for {$7700.00}. The car had only about 40k miles on it. Since I started to work in the XXXX XXXX XXXX and my current car had XXXX miles, I figured I can make the payment at that price with just my XXXX XXXX business. I started working as an XXXXXXXX XXXX as of XX/XX/XXXX because I was let go from my previous employer. I explained to the salesman at XXXX XXXX that I did not have a fixed job because but was doing XXXX XXXX. The salesman said that it was ok they can use your previous employer information, they ( assuming Ally financial ) never check, and these loans are always sold as a package deals along with other auto loans. I also said that I had XXXX I can put down from a XXXX XXXXXXXX credit card. At first the dealership wanted XXXX down of which I did not have. The salesman said that's the only way they could finance the deal. So I shook his hand and went on my way. This was a Sunday XX/XX/XXXX. 
The very next day Monday XX/XX/XXXX, the dealership salesman calls me and tells me that they can now do the deal with XXXX down. 
I was sceptic because I didn't have a full time job and I was barely making ends meet. I moved out of my home and rented it in XXXX. I figured I could make the monthly car payment because I could work more as an XXXX XXXX. 

The deals that XXXX XXXX made with Ally Financial is astonishing. They didn't verifying any information, only what had come up on my credit report. 

The dealership also fraudulently raised the advertised price from {$7700.00} to {$10000.00} knowing. I am speculating that the price had to be over 10k in order for the Ally to finance. I made a complaint to the Arizona Attorney General whom is still investigating this matter. It has been since XX/XX/XXXX that I submitted the complaint, but the dealership is failing to respond. 

This car should have never been sold to me because I didn't have the means to pay it at the time. But car dealships and finance companies are the biggest scammers of all. 

I would be in a better financial place, of I had not bought this car at the time I could not afford 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 explanation
Consumer complaint received 2018-06-21 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
on XX/XX/2018 I called XXXX XXXX reguarding an unauthorized inquiry on my credit report that was pulled on XX/XX/XXXX during the purchase of my new vehicle at XXXX XXXX in XXXX Fl. I talked to XXXX and they said they could not do anything about the unauthorized inquiry. I'm looking forward to pursue deletion for an inquiry I didn't authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: GA

Complaint narrative:
This a company called Penn credit corp they are saying I owed the city of XXXX XXXX and I have never lived in XXXX  I tried disputing it with XXXX  and they say the debt is valid somebody had used my info I didn't even know about in XX/XX/XXXX I lived in XXXX XXXX in XX/XX/XXXX in XXXX XXXX the address I lived at in XX/XX/XXXX was XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX it said I owed the XXXX XXXX XXXX XXXX 1.380.00 or higher I had disputed them on XX/XX/XXXX and just know got the results saying that the debt was valid I really want this debt removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 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: MN

Complaint narrative:
XXXX and Transunion placed a collections XXXX XXXX on my credit report without my knowledge or verifying that the debt was mines. I did not receive anything in the mail about this collections.

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