vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have a mountain full of unauthorized inquiries reporting on my credit file. Months ago I lost my Id therefore I'm assuming this is the results, please remove, delete, and / or block the following inquiries from my report. 

1 ) 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 (XX/XX/XXXX ) 6 ) XXXX XXXX ( XX/XX/XXXX ) 7 ) XXXX ( XX/XX/XXXX ) 8 ) XXXX XXXX ( XX/XX/XXXX ) 9 ) XXXX XXXX XXXX  ( XX/XX/XXXX ) 10 ) Transunion ( XX/XX/XXXX ) 11 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 12 ) XXXX XXXX ( XX/XX/XXXX ) 13 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 14 ) XXXX XXXX ( XX/XX/XXXX ) 15 ) 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 2018-07-05 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: MO

Complaint narrative:
I have a mountain full of unauthorized inquiries reporting on my credit file. Months ago I lost my Id therefore I'm assuming this is the results, please remove, delete, and / or block the following inquiries from my report. 

1 ) 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 ( XX/XX/XXXX ) 6 ) XXXX XXXX ( XX/XX/XXXX ) 7 ) XXXX  ( XX/XX/XXXX ) 8 ) XXXX XXXX ( XX/XX/XXXX ) 9 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 10 ) XXXX  ( XX/XX/XXXX ) 11 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 12 ) XXXX XXXX ( XX/XX/XXXX ) 13 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 14 ) XXXX XXXX ( XX/XX/XXXX ) 15 ) XXXX XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 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: MO

Complaint narrative:
I have a mountain full of unauthorized inquiries reporting on my credit file. Months ago I lost my Id therefore I'm assuming this is the results, please remove, delete, and / or block the following inquiries from my report. 

1 ) 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 ( XX/XX/XXXX ) 6 ) XXXX XXXX ( XX/XX/XXXX ) 7 ) XXXX ( XX/XX/XXXX ) 8 ) XXXX XXXX ( XX/XX/XXXX ) 9 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 10 ) XXXX ( XX/XX/XXXX ) 11 ) XXXX XXXX XXXX  (XX/XX/XXXX ) 12 ) XXXX XXXX (XX/XX/XXXX ) 13 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 14 ) XXXX XXXX ( XX/XX/XXXX ) 15 ) 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 2018-07-05 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:
There's 3 accounts on my report inwhich are not mines, nor do I know who added me to them. Please remove these accounts. 1 ) XXXX XXXX XXXX, ( 2 ) XXXX, ( 3 ) 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 2018-07-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Ameritech Financial
State: FL

Complaint narrative:
I entered a Service Agreement with Ameritech Financial on XX/XX/XXXX under the pretense that I would be enrolled in the Public Service Loan Forgiveness Program and my student loan debt would be forgiven after 120 qualifying payments. They explained to me that {$200.00} would be debited from my bank account on XX/XX/XXXX as well as {$200.00} for the next 9 months to pay for the Program with XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. After those 9 months, I would be debited {$99.00} for the remainder of the program. 

I took out a loan under my name and a second one under my father 's name to cover tuition cost at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Upon graduation, I began paying back both mine and my father 's loans so it grew very expensive for me. I received a notice in the mail claiming Ameritech could help reduce my loans, so I called and we are now here. 

I regularly check my account and my father 's account on XXXX website and the principal amounts have never been reduced after starting our plan with Ameritech. I even began paying interest on my father 's loan in XXXX as we are enrolled in the income-based/contigent repayment plans. I am very concerned about this current lawsuit against Ameritech and it how affects me because I was counting on making those 120 qualifying payments for my student loans to be forgiven. I can't believe I've been paying {$99.00} towards my account and {$99.00} towards my father 's account monthly since XX/XX/XXXX and it has all been for nothing. I am not sure now if I even made any qualifying payments and I can not afford to start this process all over again. I would really appreciate any help or guidance you could provide me. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
There's 3 accounts on my report inwhich are not mines, nor do I know who added me to them. Please remove these accounts. 1 ) XXXX XXXX XXXX, ( 2 ) XXXX, ( 3 ) 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 2018-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Debt Relief Center
State: NY

Complaint narrative:
It is a scam to collect personal information. After they realized that I was not gullible they said it was a mistake and they promised to remove me from the mailing list. I will send the notice of debt as an attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 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:
I have 3 accounts on my credit report inwhich are not mines, nor do I know who added me to them. I'm asking that this accounts be removed. 

1 ) XXXX XXXX XXXX 2 ) XXXX 3 ) 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 2018-07-05 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:
I have 3 accounts on my credit report inwhich are not mines, nor do I know who added me to them. I'm asking that this accounts be removed. 

1 ) XXXX XXXX XXXX 2 ) XXXX 3 ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have 3 accounts on my credit report inwhich are not mines, nor do I know who added me to them. I'm asking that this accounts be removed. 

1 ) XXXX XXXX XXXX 2 ) XXXX 3 ) 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 2018-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: MD

Complaint narrative:
After pulling copies of my credit reports from XXXX, XXXX, and XXXX, I discovered a collection account from Security Credit Services listed on each of the reports. I sent a letter to Security Credit Services and requested validation of this debt in XX/XX/2018. The agency responded by sending a lease agreement ( attached ) that contains information similar to mine, but not my information. My name on the documents are spelled incorrectly. My last name is XXXX, the lease has it listed as XXXX. Also, the telephone number and email address listed on the lease do not belong to me. Also, there is no signature or SSN on any of the documents provided. I have not leased any jewelry from XXXX , XXXX as the documents provided by Security Credit Services claims.This lease does not belong to me, and should not be on my credit reports and is causing me considerable financial harm. 
After contacting Security Credit Services by phone and expressing that this account is not mine, and pointing out that the information in the lease does not match my own, I was informed that I would need to provide them with a police report and a notarized affidavit in order for the item to be investigated and removed from my 3 credit reports. I feel that this is unreasonable, and that the debt should be removed immediately as they have failed to provide any proof that it belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I obtained a copy of my credit report and realized there were two credit card accounts ( Capital One and XXXX ) tied to my name so, I disputed both accounts. After the dispute process, both accounts were claimed to be verified by the credit card companies. These accounts were opened fraudulently on my behalf and I would like them removed from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Attempted to request my Experian credit report on XX/XX/2018 from XXXX. Received this error : A condition exists that prevents Experian from being able to accept your request at this time.

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 2018-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
My lender is Wells Fargo my home preservation specialist is XXXX XXXX, he requested my XXXX XXXX and a signed and dated copy of application I provided XXXX with those documents on the XXXX of XXXX and on the XXXX of XXXX I got a email from wells fargo then my case had been closed. In my opinon I don't even think wells fargo sent any of these documents to my investors/underwriters for review???? I want answers to why did this occur ASAP! >>>

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 2018-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX XXXX has been closed since 2017, furthermore account was transferred to XXXX  XXXX XXXX   in XXXX. Both XXXX and XXXX were reporting the same account on my report which is unlawful after it was sent to collections. Now after creating a dispute you have the account listed as open. There should not be late pays from XXXX until now because the account was charged off and closed and another company was reporting.

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 2018-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX of XXXX, FL reported to XXXX  and other reporting credit beueaus that a debt in the amount of {$2200.00} was owed from an old XXXX account. Several months eariler XXXX sent this debt to another collections agency called XXXX  XXXX in XX/XX/XXXX. I contacted them and proivded documenation showing I do not owe the debt and that it was paid off well before the account with XXXX was closed. XXXX XXXX confirmed and corrected the reporting inforamtion. Now, XXXX has resold this inaccurate debt to XXXX XXXX XXXX who refuses to remove the inaccurate debt dispute providing documentation showing the account does not belong to me. On XX/XX/XXXX, I noticed a collection debt reporting on my credit report. I reached out to XXXX XXXX XXXX to investigate the debt. They did not have any accurate contact information on file for me, so I never was notified about the debt, it just went straight to the credit report. I was told to submit a dispute to email my request to XXXX and reference # XXXX. Shortly I recieved an email stating they can not delete the account from credit bureaus. I asked CFPB honor its mandate and protect this consumer of unpair and illegal reporting of false 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 2018-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Collection Bureau of Fort Walton Beach, Inc
State: MI

Complaint narrative:
They keep calling my number for various people and each time I tell them no wrong number and then they will call back again for someone else.. Every AFTER I TOLD THEM WRONG NUMBER.. last time I got 2 calls in the same day within 20 minutes of each other, for the same person!

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 2018-07-05 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: MO

Complaint narrative:
XXXX XXXX has been closed since 2017, furthermore account was transferred to XXXX XXXX XXXX   in XXXX. Both XXXX and XXXX were reporting the same account on my report which is unlawful after it was sent to collections. Now after creating a dispute you have the account listed as open. There should not be late pays from XXXX until now because the account was charged off and closed and another company was reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Harley Davidson Financial Services Inc
State: MO

Complaint narrative:
Harley Davidson has been closed since 2017, furthermore account was transferred to XXXX XXXX XXXX   in XXXX. Both Harley and XXXX were reporting the same account on my report which is unlawful after it was sent to collections. Now after creating a dispute you have the account listed as open. There should not be late pays from XXXX until now because the account was charged off and closed and another company was reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: SC

Complaint narrative:
Loancare LLC is charging me for " hazard insurance '' products that I did not request, approve, or was notified of. I have sufficient comprehensive insurance through my insurance company. In the past 2 months, they have taken {$900.00} out of my checking account, without my consent. I filed this with the XXXX as well, but was told it'll take 30 days for the business to review, and I can't afford to lose almost a thousand dollars while they take their time reviewing. I'm not made of money, and will end up having to sell my house if they keep this up! They've already settled this issue with others years ago, and are back to their bad practices. 

This is also posted under XXXX CASE # : 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 2018-07-05 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:
After filing a dispute company listed same account twice to further hurt my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 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:
After filing a dispute company listed same account twice to further hurt my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
After filing a dispute company listed same account twice to further hurt my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Over a period of several months/years, we, the mortgagors, requested, on multiple occasions, to deed the property in question back to mortgagee with zero success. 

In spite of our multiple conversations and letters to Wells Fargo Home Mortgage, they completely ignored our efforts to resolve this issue amicably with the threat and/or execution of foreclosure proceeding. 

Every effort on the mortgagors part to resolve this issue was ignored and, as a result, the mortgage was foreclosed on. 

Since the foreclosure, Wells Fargo Home Mortgage has submitted erroneous data to the 3 major credit bureaus with impunity.

For several years, Wells Fargo Home Mortgage continued to send out monthly mortgage statements ( XXXX thru XXXX ) even though the mortgage in question had been discharged in XXXX. In addition, they were also subsequently reimbursed for some of the 'discharged ' mortgage balance after the mortgage was foreclosed on.

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 2018-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: GA

Complaint narrative:
The Receivable Management Services Corporation is attempting to collect a debt that I do not know. I have requested numerous times that the company provide me with information showing that this debt is mine as well as the amount owed. They have failed to provide me any documentation that this is my debt, but are continuing to send bills threatening to take legal action if I do not pay the debt. This has been going on since XX/XX/XXXX. They have also been reporting that I owe them {$380.00} to the credit bureaus which is damaging my credit. I first requested that they verify that I owe the debt back and XX/XX/XXXX and never received any confirmation. But they are continuing to send bills threatening legal action and reporting to the credit bureaus.

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 2018-07-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2018, I received notice from Chase bank that a home equity loan I was sure I had paid off three years early had XXXX balance. To my surprise, chase notified me that I owed {$140.00} due to the interest that had compounded. I disputed the charge and informed them that I called to check the pay off and that they had never sent a bill prior to the notice. My credit score was above 800 during this time. After I disputed the bill, they sent several negative reports to XXXX which dropped my score to XXXX. 

This is the second experience I have had with Chase and this practice. I have since given in to paying the debt and closing the account, but I feel that they have retaliated against me for questioning why I did not receive a bill in three years.

The million dollar question is, why did I receive a negative report after carrying a " three year balance '' and a negative report was sent only after I disputed? 

respectfully, XXXX

Company response to consumer: Closed with explanation