vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-16 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: HI

Complaint narrative:
On XXXX XX/XX/XXXX I recieved a letter from WellsFargo Auto Finance acknowledging the auto loan I had with them has been Settle in Full. They have stated in the letter they are submitting the request to the Credit reporting agencies to have report updated in my credit report file to reflect a Charge off to Settled in full account. I was also instructed to present this letter to any prospective creditor questioning the status of this account. 
WellsFargo hasn't kept there word and still reporting this Auto Loan as a Charge Off. Also I called the number they have on the letter numerous times and it no longer a working number. I contacted WellsFargo thru mail at the address they have on my credit report and my letter got Return to Sender. WellsFargo is reporting false information of me with there wrong address. 

Also for the same Auto Loan they transfer or sold to another WellsFargo Bank within there company, and having a different account numbers. I contacted WellsFargo back in XXXX XX/XX/XXXX is to why I see two reporting on my credit report for the same Auto loan with two different account numbers with two different amount finance. One with {$26000.00} and {$26000.00} the actual amount finance is {$26000.00} on my contract. I have yet to see any changes of status to this account. I wrote to WellsFargo again in XXXX XX/XX/XXXX why do I see a balance of {$2700.00} showing I owe them. Still havent heard anything from WellsFargo after numerous time of disputing this account. WellsFargo would not take the time to investigate there error reporting even provide them with copies of the letter and contract but keep updating. All credit bureaus forward all my dispute to them but would not take the adacity to respond to there error reporting. 
Now Im filing a complaint with CFPB due to false reporting to credit bureau. I will be ready to provide all documentation of my communication with WellsFargo. Thank you so much for taking the time to view my issues.

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 2018-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: MN

Complaint narrative:
On XX/XX/XXXX I opened my XXXX XXXX account to see a closed collections account. The company, " CREDIT MANAGEMENT LP '' was reporting that I had an account with them related to XXXX beginning on XX/XX/XXXX. I never received any notice of this debt. I never paid this debt. This debt was never verified. I also had changed addresses during this time period, and kept an open account with XXXX the entire time. I have tried to dispute this account via other means without success.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-16 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: FL

Complaint narrative:
I am a member at the XXXX XXXX XXXX XXXX in XXXX XXXX, Florida. The credit union mistakingly, and without my knowledge, reported a charge off from an account that I was not privy to. I went to the credit union and they admitted their mistake and said they had removed the error from their end. I also sent a dispute to Experian to erase this error. With the dispute I included a letter from the credit union stating that it was in error and should be removed. IN UNDER 24 HOURS, Experian sent me their findings that the error in question was verified by the credit union as legitimate. This is impossible as I went to the credit union in question, and they told me that this was definitely a mistake and then they issued me a letter of explanation to send to Experian, XXXX  and XXXX to get this erroneous entry off of my credit report. I did all of these things yet Experian denied this. With thousands of complaints coming into Experian weekly, I find it odd that they handled my claim in under 24 hours, even when their website states it could take up to 30 days. It would appear that whoever was tasked to handle my case just pencil whipped the results without calling anyone. How in the world can these credit reporting agencies have THIS MUCH POWER yet they answer to nobody?!? There is nobody at Experian a consumer can speak with, you must go theough their dispute resolution office which is completely unhelpful. They should be shut down. 

Additionally, I have sent them paper copies of everything via the US postal service which they probably havent received yet. I have also contacted XXXX  and XXXX  but their dispute investigation ( s ) have not been completed yet.

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 2018-03-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I contacted the CA and creditor this not my account. I never signed application. The card was open in XXXX which XXXX club was made aware about it. They called the number of XXXX which my credit was change and PIN numbers with credit agencies was stolen. XXXX XXXX XXXX is the person using my name which I told XXXX fraud department he open the account and other account in m 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 2018-03-16 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: UT

Complaint narrative:
I have had a mortgage with XXXX  XXXX XXXX from XXXX to XX/XX/XXXX XXXX when I paid it off early in full. I have never not once in 13 years missed or been late on a payment. Back in XXXX, I was going to file bankruptcy but changed my mind and did not go to the first court date so it was dismissed that same day its like it never happened. The court has provided me paper work stating so. XXXX  XXXX XXXX WAS NOT part of the list of creditors I would have paid, had I went through with it. In fact if I were to go through with it I would have to put my house up for collateral therefore I could not claim that debt even if I wanted to. Now all 3 credit bureaus have me defaulting on a XXXX home loan under bankruptcy when I paid it off in full never late XX/XX/XXXX. XXXX XXXX XXXX is denying they are reporting me even sent me 2 letters stating they sent this information to all 3 credit bureaus on XX/XX/XXXX and again on XX/XX/XXXX XXXX. I have disputed Experian, XXXX  and XXXX XXXX 2 times to have this taken off and each time they all ( except XXXX took it off finaly ) tell me XXXX  XXXX XXXX is reporting to them as correct Bankruptcy?? How can this be when they were not part of my dismissed bankruptcy ( all I did was decided not to go through with it and now that's on my credit for 7 years. XXXX money was paid out to zero creditors ) I just called XXXX XXXX XXXX XXXX yesterday and they still are denying they are the ones who are reporting it. Plus they said they had sent in another update stating I have never not once been late or missed a payment. Then today Experian sends me a letter stating it will remain on my credit because XXXX said it's true.How can I get this solved if no one is confessing to reporting it. My last name on my mortgage was XXXX. I have since divorced and it's XXXX on my credit reports. Did someone stop to think this might be a problem causing some if the confusion? But either way I have busted my XXXX and spent hours on repairing it. I feel like neither of these companies have tried very hard or it wouldn't be on there. It's not correct information and Nice way to treat a customer that paid on time and paid the loan off early in FULL. I don't know what to do at this point. Someone is not doing their job or lying to me. I'm thoroughly disgusted how much time and effort I've had to put in trying to get this removed.

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 2018-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I have requested that XXXX XXXX  provide debt validation for the account with original debt from Florida XXXX XXXX for {$500.00} in my name. I informed XXXX XXXX that I never signed a HIPAA form to authorize XXXX XXXX to have access to the my private health information. I have not received the original contract showing my signature on any agreement pertaining to this account. I advised the company this is not my debt and that it should be immediately removed from my credit report. I have never received any documents that were requested from this company. It has been longer than 30 days with out response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Self Lender Inc
State: FL

Complaint narrative:
I do not recall having this account and I do not recall ever paying late on a account that Im not sure that I myself opened

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I did not have an account with XXXX  XXXX in XX/XX/XXXX. I have an account with XXXX XXXX now opened in XX/XX/XXXX. This debt is not mine. I am in good standing with XXXX XXXX and my credit history with them is great.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I have had a mortgage with XXXX  XXXX XXXX from XXXX to XX/XX/XXXX XXXX when I paid it off early in full. I have never not once in 13 years missed or been late on a payment. Back in XXXX, I was going to file bankruptcy but changed my mind and did not go to the first court date so it was dismissed that same day its like it never happened. The court has provided me paper work stating so. XXXX XXXX XXXXXXXX WAS NOT part of the list of creditors I would have paid, had I went through with it. In fact if I were to go through with it I would have to put my house up for collateral therefore I could not claim that debt even if I wanted to. Now all 3 credit bureaus have me defaulting on a XXXX home loan under bankruptcy when I paid it off in full never late XX/XX/XXXX. XXXX  XXXX XXXX is denying they are reporting me even sent me 2 letters stating they sent this information to all 3 credit bureaus on XX/XX/XXXX and again on XX/XX/XXXX XXXX. I have disputed XXXX, Transunion and XXXX bureaus 2 times to have this taken off and each time they all ( except XXXX took it off finaly ) tell me XXXX XXXX XXXX is reporting to them as correct Bankruptcy?? How can this be when they were not part of my dismissed bankruptcy ( all I did was decided not to go through with it and now that's on my credit for 7 years. XXXX money was paid out to zero creditors ) I just called XXXX  XXXX XXXX Again yesterday and they still are denying they are the ones who are reporting it. Plus they said they had sent in another update stating I have never not once been late or missed a payment. Then today XXXX  sends me a letter stating it will remain on my credit because XXXX said it's true.How can I get this solved if no one is confessing to reporting it. My last name on my mortgage was XXXX. I have since divorced and it's XXXX on my credit reports. Did someone stop to think this might be a problem causing some if the confusion? But either way I have busted my XXXX and spent hours on repairing it. I feel like neither of these companies have tried very hard or it wouldn't be on there. It's not correct information and Nice way to treat a customer that paid on time and paid the loan off early in FULL. I don't know what to do at this point. Someone is not doing their job or lying to me. I'm thoroughly disgusted how much time and effort I've had to put in trying to get this removed.

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 2018-03-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I have had a mortgage with Bank of America from XXXX to XX/XX/XXXX XXXX when I paid it off early in full. I have never not once in 13 years missed or been late on a payment. Back in XXXX, I was going to file bankruptcy but changed my mind and did not go to the first court date so it was dismissed that same day its like it never happened. The court has provided me paper work stating so. Bank of America WAS NOT part of the list of creditors I would have paid, had I went through with it. In fact if I were to go through with it I would have to put my house up for collateral therefore I could not claim that debt even if I wanted to. Now all 3 credit bureaus have me defaulting on a XXXX home loan under bankruptcy when I paid it off in full never late XX/XX/XXXX. Bank of America is denying they are reporting me even sent me 2 letters stating they sent this information to all 3 credit bureaus on XX/XX/XXXX and again on XX/XX/XXXX XXXX. I have disputed XXXX, XXXX and XXXX bureaus 2 times to have this taken off and each time they all ( except XXXX took it off finaly ) tell me Bank of America is reporting to them as correct Bankruptcy?? How can this be when they were not part of my dismissed bankruptcy ( all I did was decided not to go through with it and now that's on my credit for 7 years. XXXX money was paid out to zero creditors ) I just called Bank of America Again yesterday and they still are denying they are the ones who are reporting it. Plus they said they had sent in another update stating I have never not once been late or missed a payment. Then today XXXX sends me a letter stating it will remain on my credit because BOA said it's true.How can I get this solved if no one is confessing to reporting it. My last name on my mortgage was XXXX. I have since divorced and it's XXXX on my credit reports. Did someone stop to think this might be a problem causing some if the confusion? But either way I have busted my XXXX and spent hours on repairing it. I feel like neither of these companies have tried very hard or it wouldn't be on there. It's not correct information and Nice way to treat a customer that paid on time and paid the loan off early in FULL. I don't know what to do at this point. Someone is not doing their job or lying to me. I'm thoroughly disgusted how much time and effort I've had to put in trying to get this removed.

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 2018-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: AUTOMOTIVE CREDIT CORPORATION
State: CA

Complaint narrative:
Frauding scams using XXXX XXXX in Florida Frauding scams frauding XXXX county Indiana of XXXX XXXX XXXX death record Frauding XXXX county Indiana birth certificate of serial numbered documents of XXXX XXXX mom Frauding scams using XXXX XXXX of XXXX county Indiana pension files in Florida State It scam scams using my national security clearance data Frauding scams using insurance companys Frauding scams XXXX XXXX as a XXXX man Frauding my FBI registrations and social Security date

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 2018-03-16 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: TX

Complaint narrative:
I initiated an online dispute on or aroundXX/XX/XXXXin regards to two XXXX XXXX XXXX collections on my account, which is was never notified about. I am trying to clean up my credit but the disputes came back as valid. I then went online and checked out the claims with my health care provider. For the two claims, XXXX advised that I should not have been asked to pay more than {$8.00} ( I'm rounding ) for one and ( {$160.00} ) for the other. XXXX ended up initiating an additional payment for both of these claims around XX/XX/XXXX and left me a balance of {$50.00} on one and {$190.00} on the other. I was able to pay the {$50.00} online through the XXXX  website so at the very least, had a credible investigation been done, the amount due would have been updated. I was not able to make the other payment through the XXXX website so I called XXXX XXXX XXXX to make the payment over the phone. I was advised that they no longer service this account and to dispute it with the credit bureau. I again initiated a dispute with the credit bureau, only for it to again come back as validated.

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 2018-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK
State: WI

Complaint narrative:
I had used my credit card for many years. paid monthly. faithfully the minimum due. Health issues and lack of employment was not allowing me to make the minimum monthly payments anymore. i tried to call them and get them to understand i could no longer pay the bill. they stopped contacting me and suddenly i am now facing a Court Hearing regarding the debt. i still have no real income and have no idea how i can pay any of the debt. i paid for many years the minimum payment and honestly ... the minimum due paid mostly interest on the debt .... with about {$20.00} going toward the actual debt of the credit card. I am not certain if you can help me. but i am going to be asking for a 30 day extension on the court hearing, so i can better prepare for the case.

PLEASE NOTE : The attorneys for the company keep reassigning the case to a different attorney in the firm. and when i do try to contact them, the only reply I receive from the attorneys office is from an outside ( non involved ) paralegal. Nothing ever gets resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Hi I have complained before but you did not help me. I was told by a lawyer to try again. Wells Fargo has XXXX me for the last 3/4 years me and my wife have lost sleep worried about my home. XX/XX/2016 I  was told by XXXX XXXX to put loan in wifes name since I was in cpt XXXX. and she would qualify for Harp 2.0 I called Wells Fargo I was only one month behind due to sickness. I was denied they said you do not qualify. XXXX also was denied on the US Gov principle reduction. Wells Fargo said no.I have called and beeged for help and they denied me everything. All the US Gov programs help everybody buit us acording to Wells Fargo. They help me one tiome and went up on rate and years and I was told get out if We can not afford it. And the Ladies name I have.I have been underwater for 5/7 years and they sunk me further in dept. The place were I resident is located has gone Bankrupt and that hurt values.I know you have read about allm the fines that Wells Fargo has paid millions for XXXX to XXXX XXXX and XXXX XXXX  so it shouild not be too hard for u to understand that Iam just a number and money rules Wells Fargo. They are the hatefull and crooked ask anybody that has tried to work a solution that may help the consumer.They screw anybody that get in there way.I need HELP PLEASE Thanks XXXX  and 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 2018-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Several letters were written to XXXX to VALIDATE a debt reported by XXXX XXXX as well as several hard inquiries to my credit report due to identity theft. XXXXXXXX XXXX was never validated so needs to be removed. It was removed XX/XX/XXXXbut then re-inserted without a 5 day written notice. I've never received a validated contract with my signature nor have I received a detailed bill validating the charges. This is violation of my consumer rights under the FCRA.

Company response to consumer: Closed with explanation