vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-23 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: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
The following information Regions Bank is reporting on my credit report is false and inaccurate. 

1. XXXX is reporting that the account is a Delinquent Account on Date reported XX/XX/XXXX. This is not correct. My Chapter XXXX Bankruptcy was Discharged on XX/XX/XXXX. 
2. XXXX  is reporting the account Condition as Derogatory. This is not correct. and the account condition is PAID. 
3. XXXX is reporting the account Status as in a Wage Earner Plan. This is not correct. This account is closed so how can the account be in a Payment Plan? 
4. This account is not in Chapter XXXX Bankruptcy. XXXX must only report the current condition of the account.

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 2018-03-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I was alerted from XXXX that a new inquiry was placed on my credit from Kohls yesterday XX/XX/18. I didn't even authorize it this so I called XXXX XXXX spoke to XXXX and explained what happened then she transferred me to fraud, and I spoke to XXXX who saw the attempt to open a card in my name and it was declined and he didn't know why an inquiry was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 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: LA

Complaint narrative:
I have several collections accounts that is reported to the credit bureau that are fraudulent on my account.. I should not have any collections or inquiries on my file at this moment.. These is holding me back from providing for my family.. These accounts are not mine

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 2018-03-23 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: LA

Complaint narrative:
I have several collections accounts that is reported to the credit bureau that are fraudulent on my account.. I should not have any collections or inquiries on my file at this moment.. These is holding me back from providing for my family.. These accounts are not mine

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 2018-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: PC LEGAL SERVICES, LLC
State: WI

Complaint narrative:
On Thursday, XX/XX/18 at XXXX XXXX., I received the following email from my employers human resources department. 
Hi XXXX, I just received a phone call from a XXXX at XXXX XXXX XXXX  who would like you to call a firm named XXXX - at XXXX - reference filing case # XXXX Thanks, XXXX

Company response to consumer: Untimely response
Consumer complaint received 2018-03-23 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: TN

Complaint narrative:
The following information XXXX XXXX is reporting on my credit report is false and inaccurate. 

1. TransUnion is reporting that the account is a Delinquent Account on Date reported XX/XX/XXXX. This is not correct. My XXXX XXXX Bankruptcy was Discharged on XX/XX/XXXX. 
2. TransUnion is reporting the account Condition as Derogatory. This is not correct. and the account condition is PAID. 
3. TransUnion is reporting the account Status as in a Wage Earner Plan. This is not correct. This account is closed so how can the account be in a Payment Plan? 
4. This account is not in XXXX XXXX Bankruptcy. TransUnion must only report the current condition of the account.

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 2018-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX Disputes Department XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX. 


To Whom It May Concern : This letter is in response to your phone call on dated XX/XX/2018, concerning the above-referenced account number. 

I have checked with my state Attorney General and  confirmed that the statute of limitations on this type of debt has expired. Therefore, if you choose to pursue this matter in court, I will be forced to show proof that the statute of limitations has expired. 
Let this letter serve as notification that I do not wish to be contacted about this debt any further except to be notified that future collection efforts are terminated. 
Any other communication regarding this debt will be taken as a violation of the Fair Debt Collection Practices Act. I demand you " Remove this from my credit report within 30 days or I shall seek justice in the court room, Or contact XXXX, Transunion and XXXX that this account falls under California statatue of limitations, This debt has expired and you are being asked to remove this from my credit report. 

XXXX Pacific standard time XX/XX/2018 - Letter sent Sincerely, 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 2018-03-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Disputes Department XXXX XXXX XXXX XXXX, VA XXXX CAPITAL ONE BANK XXXX XXXX. 


To Whom It May Concern : This letter is in response to your phone call on dated XX/XX/2018, concerning the above-referenced account number. 

I have checked with my state Attorney General and confirmed that the statute of limitations on this type of debt has expired. Therefore, if you choose to pursue this matter in court, I will be forced to show proof that the statute of limitations has expired. 
Let this letter serve as notification that I do not wish to be contacted about this debt any further except to be notified that future collection efforts are terminated. 
Any other communication regarding this debt will be taken as a violation of the Fair Debt Collection Practices Act. I demand you " Remove this from my credit report within 30 days or I shall seek justice in the court room, Or contact XXXX, XXXX  and XXXX that this account falls under California statatue of limitations, This debt has expired and you are being asked to remove this from my credit report. 

XXXX Pacific standard time XX/XX/2018 - Letter sent Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
I was in the process of doing an FHA streamline refinance that would have saved me significant money on my monthly payment. Towards the end, we were working with Lakeview Loan Servicing LLC to order a payoff. 

Lakeview stalled my originating lender by over 1 week in getting a correct payoff. My lender requested that my impound account be netted towards the payoff, which would reduce my cash to close by {$XXXX}. At the last minute, XX/XX/2018 after a lot of effort on behalf of my lender, they relayed the news that they would not do a netted payoff. 

This made it so that I had to come in with an extra {$XXXX} that I did not have, and I had to cancel the loan. My lender is willing to re-attempt this next month or anytime in the future if we can get a netted payoff. But if we can not, Lakeview has made it unnecessarily difficult to complete my refinance, which would have saved me over 10 % on my monthly payment. Additionally, this is egregious because since my loan has started, rates have gone up on average by 1 % - which makes an FHA streamline not doable. Therefore, I may lose out on savings for the next 29 years of my loan, because of Lakeviews unwillingness to have client centric policies in regards to netted payoffs!

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 2018-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AFNI INC.
State: FL

Complaint narrative:
Tranfer acc to another lender never did a Contracts with Afini, XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX also was never inform about this decisions, also calling me people that I dont know calling my job never receive letters the main company never discus with me nothing per hippa law my information shout be private not to send to people that never did Contracts with them also dispute all this on XXXX past more that 45 days no info receive?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rothberg Logan & Warsco LLP
State: IN

Complaint narrative:
On XX/XX/18 I was called into the HR office where I work about a wage garnishment, I had not received any notification from Rothberg Logan and Warsco LLP at my home or through the XXXX County Court System. They have been garnishing my wages for several years, they have caused my daughter and I to live in a state of oppression for several years. I have a set a court date I knew nothing about until today. On several occasions they say they have not received payments that have been sent, they have put levys on my bank account, causing bills to not be paid or paid late, I have asked for them to put me on a payment plan that I can afford and the last few times I have requested to do so they want XXXX, bank statements, check stubs, etc., and to take things to court, or for things to be faxed to them when I have no access to a fax machine and cant afford to mail all that information. 

Also, I want to state that I was not served by the court I was served by my employer. Which I believe should have come from the court not the HR department. 

Also in the six years I have had to deal with this company not once have I seen a proof of obligation just letters stating I owe them money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 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: VA

Complaint narrative:
I was alerted from Experian that a new inquiry was placed on my credit from XXXX yesterday XX/XX/18. I didn't even authorize it this so I called XXXX XXXX spoke to XXXX and explained what happened then she transferred me to fraud, and I spoke to XXXX who saw the attempt to open a card in my name and it was declined and he didn't know why an inquiry was done.

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 2018-03-23 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
XXXX XXXX refused to remove their inquiry off of XXXX  after six contacts with their company and XXXX  and I have had no resolution. XXXX XXXX removed the inquries from XXXX XXXX and XXXX but not XXXX. I already contacted them via email and have had no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
In XXXX of XXXX I contacted XXXX XXXX to restart services on equipment that I had. When I contacted them, they informed me that I owed them {$XXXX} for services that was already started ( and now in arrears XXXX XXXX, XXXX, XXXX of XXXX. I had canceled service XXXX of XXXX. They told me that the services were suspended in XXXX of XXXX and would automatically restart 3 months later. I told them I was told that it was suspended to auto start in 3 months. I told them that is the way I remember it. I said I could not pay that and wouldn't pay it because I was not informed that the service were restarted. They said to send their equipment back and they would close the account and remove the amount. They didn't and since they refused to remove XXXX and I refuse to pay it, they have sent it to a collection agency. I reported to the collection agency the situation, then they move the account to another collection agency, explained again. Now I am done explaining. 

I am never going to pay it. XXXX should show I was an excellent customer for years until this. I will never recommend them to another potential customer. If I owed it I would pay it. It is a matter of principle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-23 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To whom it may concern, I had a line of credit with Wells Fargo open in XXXX. Wells Fargo claim that I was 30 days late back in XXXX my records show that I was on time every month. So I would like for this derogatory to be removed from my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
We had to declare XXXX in about XXXX or XXXX. We were then told to try to build our credit back up a little at a time. So, we took out some preapproved credit cards. Not realizing that the finance charges were so unfair. Then my husband was badly hurt at work. At about the same time. He is on social security XXXX. I have XXXX and it is well documented. Anyway, that was a long time ago. And I told them we absolutely had no money. The man on the phone cussed at me, he called me a liar and he sounded like I had taken money from him personally. Anyway I refused to make any kind of payment plan as we did not know what was going to happen to my husband. He could not ever be fixed. He can not read. He only knows hard labor and he can not do that. I only got my card because it was preapproved. It was Capital One XXXX. I tried to make payments to Capital One but simply was not able. Now, a place called XXXX XXXX XXXX XXXX has a lien on our place for almost 3 times what was ever owed. The info I have on them is that they can not make a living as real lawyers so they pick up these old debts and they try to scare you or badger you until you pay it. They are based in XXXX  XXXX, OK, XXXX. XXXX XXXX, XXXX phone # XXXX XXXX XXXX XXXX filled out the lien. XXXX XXXX XXXX, XXXX, # XXXX, XXXX XXXX XXXX # XXXX are supposed to be the lawyers. It has been so long since I even had a credit card or a bank account. I just want answers. I want to talk to the original place, Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 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: VA

Complaint narrative:
XXXX XXXX refused to remove their inquiry off of EXPERIAN after six contacts with their company and EXPERIAN and I have had no resolution. XXXX XXXX removed the inquries from XXXX XXXX and XXXX  but not EXPERIAN. I already contacted them via email and have had no response.

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 2018-03-23 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: NC

Complaint narrative:
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Reported two 120 Day lates, Both in XX/XX/XXXX ( XX/XX/XXXX ). There is a {$0.00} balance on this account. I have made numerous attempts disputing this negative reporting, both to XXXX XXXX and Equifax Credit Bureau but as of to date there has been no resolution of corrective action granted. 

My issue is not soley with XXXX XXXX it is with Equifax. It is my belief that due to my continuous disputes of the XXXX account, regarding the matter of inaccurate/false reporting, Equifax purposely and falsely marked two 120 Days late on my credit file, XX/XX/XXXX. 

Today, XX/XX/XXXX I made contact with SN Servicing, I spoke to 3 representatives to inquire of the exact year and date of their last reporting to Equifax regarding the negative account. I was told that the account was closed and last reported to Equifax in XX/XX/XXXX and they have not reported any other negative information regarding this account since. If XXXX closed the account and last reported XX/XX/XXXX how could it be possible to have two negative reportings of 120 Days in XX/XX/XXXX as it is reported on my Equifax Credit file. 

Please, I need to understand if and why this is a fair, accurate, and truthful reporting according to Equifax. PLEASE HELP! My husband and I have been declined a mortgage due to this false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 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: TX

Complaint narrative:
Good Afternoon, I know this may not be a concern of yours and I understand that you may have other things to do. My name is XXXX XXXX I attended XXXX XXXX in XX/XX/2003 I failed to graduate due to my own personal issues, but I am now sitting at an estimate of {$81000.00} due to late fees, interest rates etc. My concern and problem is I am not able to pay this amount, I am a single mother of XXXX I am a hard worker and I do not live off the government. The cost of living is through the roof, not sure if you understand what that means or mean to struggle no offense. XXXX XXXX has closed due to bankruptcy not sure how that is possible either, for whatever reason they were unable to get anymore funding. I do not understand how the process works when getting a loan to attend college, not sure if the full amount of the school is paid by the loan company and the requirements if you do not finish. A reasonable thought of mines to help companies and low income families is to requset the funds back from the school or required for the school to give it back if you do not attend the school anymore, but again that is my opinion. I did sign up for the income driven program, but from my understanding I will be in more debt. I am reaching out because I am concerned and understand its not a problem of yours being that this is your company, but I really need help with any resources ideas something. My financial situation can not fit another bill, I don't quilify for assistance because I am constantly told i make to much ( XXXX ). I know I may never hear from you are your assistant, I just needed to explain my current situation that myself and your company is having. One last thing did navient buy out XXXX XXXX or did the name change or how is it even possible to owe a company that I did not originally sign with. I hope to here from someone that understands my concern. Again I am a hard working mother I don't sit at home waiting on handouts, but I am asking for some help I constantly hear about forgiveness programs, but for certain people who are you really forgiving or what is the meaning of forgiveness. My contact number Thanks I pray I hear back from someone that is willing to help me or guide me in the right direction.

Company response to consumer: Closed with explanation