vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-07 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: TX

Complaint narrative:
XXXX XXXX will not move inaccurate info that the other company have also ftc violation and police violations sent hpd and fair credit act XXXX had the never to say my police reports were fame whey dont they call me and we can go up there together and ask the police department if they were real!!! i'll pay for the trip to XXXX but if they are real i get all the pain suffering and lost income and i get to file XXXX insurance policy hippa violaiton XXXX experian are using unfairl pratices to ftc vilation and fair credit report act an hippa

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 2018-08-07 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: AES/PHEAA
State: CA

Complaint narrative:
Hi, Wishing you well today! Thank you for taking the time to read this message. Attached are pictures of past missed student loan payments that are significantly lowering my current credit score. When I first got out of college, in XX/XX/2015 as stated above, I was not aware that my loans were due. This hurt me for 2 months before I realized it as I had no credit at this particular point in time. Though my only excuse is being young and naive, I did not understand how credit worked at the time. I did not even own a credit card, and I had no established credit. I am just writing this to humanize myself and to hopefully have these derogatory marks as I have made every credit payment since! My loans were actually deferred for an entire year due to low income as well. I fully intend on continuing to do so, in terms of maintaining all of my payments in a timely manner, in my present and my future. Please help me create the credit I know I am capable of achieving and maintaining. I appreciate your time and efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 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: FL

Complaint narrative:
I was told by a rep over the phone with XXXX XXXX that I would not incur a hard credit pull to simply add my nephew as an authorized user to my account. I didn't request a credit line increase, just simply wanted a second card. I submitted the request and the second card was issued along with a hard credit pull. I asked a second representative via XXXX XXXX website and was again told a hard pull would not occur. I have pics of the chat! The reps name is XXXX and on XX/XX/2018 XXXX he said " You will not receive a credit inquiry for either requesting an upgrade, or adding an Additional Card Member to your existing account. However you may receive  credit inquiry if you apply for a New card account. '' dispute the inquiry with the agencies, and send a polite letter to XXXX XXXX asking the inquiry be removed and they sent a letter back on XX/XX/2018 and refused to do so. Can you help? Im trying to buy my first home and this is hindering me. Thanks so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
XXXX, XXXX and XXXX  inacurrate information caused me to put a id theft report with ftc now none of the bank wil do business with me b/c i filed against thme fair lending act.. XXXX, XXXX XXXX XXXX , XXXX, i could go one for day how is that rithg b/c i have XXXX job and about 720 credit on all three and 8 paid off auto loans

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi, Wishing you well today! Thank you for taking the time to read this message. Attached are pictures of past missed student loan payments that are significantly lowering my current credit score. When I first got out of college, in XX/XX/2015 as stated above, I was not aware that my loans were due. This hurt me for 2 months before I realized it as I had no credit at this particular point in time. Though my only excuse is being young and naive, I did not understand how credit worked at the time. I did not even own a credit card, and I had no established credit. I am just writing this to humanize myself and to hopefully have these derogatory marks as I have made every credit payment since! My loans were actually deferred for an entire year due to low income as well. I fully intend on continuing to do so, in terms of maintaining all of my payments in a timely manner, in my present and my future. Please help me create the credit I know I am capable of achieving and maintaining. I appreciate your time and efforts.

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 2018-08-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi, Wishing you well today! Thank you for taking the time to read this message. Attached are pictures of past missed student loan payments that are significantly lowering my current credit score. When I first got out of college, in XX/XX/2015 as stated above, I was not aware that my loans were due. This hurt me for 2 months before I realized it as I had no credit at this particular point in time. Though my only excuse is being young and naive, I did not understand how credit worked at the time. I did not even own a credit card, and I had no established credit. I am just writing this to humanize myself and to hopefully have these derogatory marks as I have made every credit payment since! My loans were actually deferred for an entire year due to low income as well. I fully intend on continuing to do so, in terms of maintaining all of my payments in a timely manner, in my present and my future. Please help me create the credit I know I am capable of achieving and maintaining. I appreciate your time and efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hi, Wishing you well today! Thank you for taking the time to read this message. Attached are pictures of past missed student loan payments that are significantly lowering my current credit score. When I first got out of college, in XX/XX/2015 as stated above, I was not aware that my loans were due. This hurt me for 2 months before I realized it as I had no credit at this particular point in time. Though my only excuse is being young and naive, I did not understand how credit worked at the time. I did not even own a credit card, and I had no established credit. I am just writing this to humanize myself and to hopefully have these derogatory marks as I have made every credit payment since! My loans were actually deferred for an entire year due to low income as well. I fully intend on continuing to do so, in terms of maintaining all of my payments in a timely manner, in my present and my future. Please help me create the credit I know I am capable of achieving and maintaining. I appreciate your time and efforts.

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 2018-08-07 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX, XXXX and XXXX inacurrate information caused me to put a id theft report with ftc now none of the bank wil do business with me b/c i filed against thme fair lending act.. XXXX, XXXX XXXX  XXXX , XXXX, i could go one for day how is that rithg b/c i have XXXX job and about 720 credit on all three and 8 paid off auto loans

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 2018-08-07 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: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
XXXX, XXXX and XXXX  inacurrate information caused me to put a id theft report with ftc now none of the bank wil do business with me b/c i filed against thme fair lending act.. XXXX, XXXX XXXX  XXXX , XXXX, i could go one for day how is that rithg b/c i have XXXX job and about 720 credit on all three and 8 paid off auto loans

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Team Recovery Inc.
State: OH

Complaint narrative:
Failed to list itemized debts in writing. on XX/XX/2018, called the company and didn't get an answer. I would like this removed from my credit report. The company is getting paid as agreed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
0n XX/XX/2018, around XXXX, someone was pounding very loudly on my door. He claimed to be serving me a lawsuit on behalf of Rubin and Rothman LLC, but then told me to call the company to work something out. He handed me an official looking paper stating the Supreme Court of The State of New York XXXX County summoned me to answer a complaint brought by XXXX XXXX XXXX and, if I did not respond within twenty days, a summary judgement will be taken against me. This didn't look legitimate to me as there was no official seal, judge 's name or court date, and it also stated on the bottom that " we are attempting to collect a debt '' ; so i brought it to the local police station where a police XXXX contacted the court clerk who said that, while they were familiar with the law firm, no action had been brought against me. I also looked at my credit report and saw that, unbeknownst to me, XXXX XXXX claims to have charged off my account ; but there wasn't a negative comment, or any mention of Rubin and Rothman, LLC. In fact, I had never heard of this company before being " summoned '' -- there were no attempts to contact me by mail or phone. 
In summary, I do not believe that I owe this money ; Rubin and Rothman, LLC acted improperly by sending a putative process server to my door when he was merely a bill collector ; Rubin and Rothman, LLC pretended to act on the authority of the court ; and, finally, Rubin and Rothman, LLC claimed they are representing XXXX XXXX XXXX when it seems they are a third party bill collector. 
The full contact information for the company is as follows : Rubin and Rothman, LLC. XXXX XXXX XXXX. XXXX, NY XXXX. XXXX. 
Finally, I am a retired person living off of a mere XXXX pension ; maybe, if they had done some research first, they would have realized that, even if I did owe this money, there is no way for me to pay.

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 2018-08-07 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: CITIBANK, N.A.
State: TX

Complaint narrative:
BRAND SOURCE CITI - Incorrect balance/never updated.

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 2018-08-07 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: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/XXXX, via my " XXXX '' security company, I took a look at my Credit Bureau Accounts. I noticed that " XXXX '' is listed on my Credit Bureau reports. I have not ever contacted this company to request credit. The documentation states that the account was opened on XX/XX/XXXX and has a credit limit of {$2000.00}. I suspect that this is an attempt at identity theft or fraud. How can I get this information removed from my records provided by the 3 major Credit Bureaus? 

I looked online and discovered two possibilities, which may be of assistance to you. They are as follows : CBNA -- XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( or ) XXXX XXXX  XXXX, XXXX XXXX, SD XXXX AND XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX Phone Number ( XXXX ) XXXX ; FAX Number ( 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 2018-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
BRAND SOURCE XXXX - Incorrect balance/never updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-07 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
XX/XX/18 : Loan company created new loan account and sent XXXX dollars of loan that I don't owe. ( I had preexisting loan with that company with balance XXXX dollars ). School or loan collection company did not notify me of sending this loan before hand, I happened to see it when I logged in to check my preexisting loan. Since then, I called collection company, school, and XXXX  ( I was working with the XXXX to pay off my preexisting student loan ) to get to the bottom. School admitted that they sent the loan wrongly to the collection company without realizing that I have been working to pay off my student loan past 2 years with the XXXX  since graduation of school. School said that they will contact the collection company and fix the issue. 
XX/XX/18 collection company negative disbursement the principal XXXX, account still had a balance of XXXX dollars of interest from the principal that I don't even owe. I called the school and collection company XX/XX/18 contacted both collection company and school to resolve issue of remaining interest it should be XXXX. 
XX/XX/18 account now has balance of XXXX dollars, I contacted the school and called the collection company. 
XX/XX/18 I contacted the school and I sent private message on the collections company website asking them to resolve issue. 
XX/XX/18 I contacted the school to ask for updates or if they hear from the company XX/XX/18 I emailed the school XX/XX/18 I emailed the school XX/XX/18 I emailed the school asking for updates. 
XX/XX/18 I sent private message on the collections company website asking them to resolve issue. 
Since mid XX/XX/XXXX I stopped calling the collection company because their call center people refuse to connect me with upper management or account specialists who handle my problem and keep repeating the phrase the issue has been forwarded to account specialists. 
School forwarded the correct documents for the incorrectly sent loan account to be XXXX out. The company needs to update my account, but has not done so for long time Today there is still XXXX dollar of balance left XX/XX/18

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
In XX/XX/XXXX I applied for a loan modification with Wells Fargo Home Mortgage. I was granted the loan modification and complied fully with all terms of the agreement. I made every payment on time throughout the process. I sold my home in XX/XX/XXXX as a regular sale and settled my mortgage with Wells Fargo. My credit report now shows that there were several months of unpaid payments for the mortgage, even though we complied and made every payment on time. I would like Wells Fargo to remove all data from my credit report completely as this has made obtaining any new credit impossible and has a severe impact on my life.

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 2018-08-07 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: Credit Systems International, Inc.
State: TX

Complaint narrative:
I called credit systems on XX/XX/XXXX and paid 2 credit items off my credit and they still show it as a collection account owed and will not remove it off of my credit after a phone conversation with them.confirmation number is XXXX for {$25.00} for XXXX XXXX XXXX and {$40.00} for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 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: GA

Complaint narrative:
There is an account called " XXXX XXXX XXXX XXXX '' on my credit report which is fraudulent. This was opened up by someone who stole my identity back in XX/XX/2010. I have filed a police report and an affidavit and forwarded it to the all of the credit reporting agencies. XXXX  and XXXX removed the information except for Experian. They never took it off or took my case serious. I have disputed this account a numerous of times with Experian but never removed this fraudulent information from my credit report. I am very dissatisfied with this credit reporting agency because they should take fraud more serious and report accurate information. If you all can help me remove this fraudulent information off of my credit report, please do so. Thanks a lot.

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 2018-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
TDBank 's website said any account opened online and not funded within 45 days would automatically be closed. I tried to open one account, and their system opened three in my name. I never put any money in any of them. After a month, I got a statement with a service fee indicated for each. I called and tried to close the accounts, unsuccessfully. I went to my local branch and was assured that the accounts had been closed. Just got another three statements, now indicating negative balances of {$32.00} each. 

When I call, I am told I must go to a branch. When I go to a branch, they apparently can't close the account. It's Catch 22.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-07 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: MA

Complaint narrative:
In XX/XX/XXXX I applied for a loan modification with XXXX XXXX XXXX XXXX. I was granted the loan modification and complied fully with all terms of the agreement. I made every payment on time throughout the process. I sold my home in XX/XX/XXXX as a regular sale and settled my mortgage with XXXX XXXX. My credit report now shows that there were several months of unpaid payments for the mortgage, even though we complied and made every payment on time. I would like XXXX XXXX to remove all data from my credit report completely as this has made obtaining any new credit impossible and has a severe impact on my life.

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