vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: PA

Complaint narrative:
student loans paid off XXXX XXXX 10 years still reporting on credit reports. have asked to have removed and still showing. accounts are closed ( 3 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am getting fed up with everyday statuses changing on XXXX XXXX. The issue with XXXX XXXX is NOT resolved. They have been reported to OCC and Financial Ombudsman AND XXXX AND CFPB. They have charged credited and recharged an amount for {$1000.00} since XXXX. IT IS NOT RESOLVED. I paid the {$1000.00} because of the negative on my account, BUT I AM STILL AND WILL CONTINUE TO FILE COMPLAINTS UNTIL MY {$1000.00} IS RETURNED. CFPB has repeatedly NOT DONE THEIR JOB.!! I HAVE NEVER HAD AN AMT OF {$1400.00} ON ANY OF MY 2 CREDIT CARDS WITH XXXX  XXXX. My allotted amounts are {$1200.00} and {$1300.00}!! I WOULD GET DECLINED IF I REACHED XXXX!!! and why would the balance be the same EVERY MONTH. I'm about to file suit against EVERYBODY INCLUDING CFPB!! I'm fed up with this. As far as XXXX XXXX. It is supposed to be removed. I have ONE ACCOUNT NOT 3 AND  SHOULD NOT SHOULD PAYMENT HISTORIES FROM XXXX UNTIL XXXX WHEN I FILED XXXX AND STILL DISPLAYS AMOUNTS ON TRANSUNION!!! I WANT PAYMENT HISTORY REMOVED AS PER REQUEST BY OMBUDSMAN IN XXXX!!! I WANT PAYMENT HISTORY AND ACCT FROM XXXX XXXX REMOVED AS WELL AS PAYMENT HISTORY SINCE CONSOLIDATING. I WANT RESOLVED ON MY XXXX XXXX REMOVED. I PAID IT BUT XXXX IS STILL OWED TO ME FOR BECAUSE I WAS DEFRAUDED BY A DEALERSHIP AND XXXX XXXX HAS ALLOWED IT. THERE IS A COMPLAINT WITH XXXX XXXX XXXX FILED

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 2019-06-28 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: TX

Complaint narrative:
Someone use my information to obtain a car loan with XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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:
XXXX XXXXXXXX XXXX Mr. XXXX XXXX invoking XXXX XXXX. Default judgment wrongfully entered by XXXX  while in XXXX XXXX. Experian reporting fraudulent information ; to date is completely false. Plaintiff entitled to sum of economic loss, employment, property, assets, future and potential earrings in violation section XXXX XXXX. 

Mr. XXXX is the victim of identity theft/fraud and still ongoing. The documents support and substantiate is the victim of misappropriation of identity theft/fraud since XXXX by 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 2019-06-28 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: FL

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON XX/XX/XXXX AND XX/XX/XXXX FOR MY XXXX XXXX  ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNT FOR I HAVE BEEN A XXXX XXXX  MEMBER SINCE 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 2019-06-28 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: FL

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON XX/XX/XXXX AND XX/XX/XXXX FOR MY XXXX XXXX  ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNT FOR I HAVE BEEN A XXXX XXXX MEMBER SINCE XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-28 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: MI

Complaint narrative:
After looking over my credit report there were inquiries being reported on my credit report by Equifax. 
1.Equifax Mortgage Ser XX/XX/XXXX 2.Equifax Mortgage Ser XX/XX/XXXX 3. Equifax Mortgage Ser XX/XX/XXXX 4. Equifax Mortgage Ser XX/XX/XXXX 5. Equifax Mortgage Ser XX/XX/XXXX 6. XXXX XX/XX/XXXX 7.XXXX XX/XX/XXXX 8.XXXX XXXX XX/XX/XXXX I have also disputed with the creditors as well, I send them a letter that I have attached to this complaint, and Equifax is still reporting these fraudulent inquiries. 
I also tried disputing this online with the credit bureau but it does not allow me to. I tried calling and no help. Equifax is reporting NOT YET PROVEN COMPLIANT INFORMATION that requisites DELETION to avoid civil suit! They have detailed on my current Equifax Credit Report several ALLEGATIONS of inquiries that have NOT been adequately verified in a COMPLIANT MANNER as mandated per the FCRA METRO 2 reporting regulations, namely that they do not HAVE VERIFIABLE PROOF of PERMISSIBLE PURPOSE and the chichanary led subterfuge is UNLAWFULLY injurious to my credit and reputation which is a CLEAR INFRINGEMENT of my consumer and civil rights. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Obviously this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: MO

Complaint narrative:
The original Creditor, YEARS AGO, was XXXX XXXX XXXX. The debt has been sold over and over again, therefore eliminating my obligation to pay and relinquishes my debt. Most recently, it was REMOVED from my credit on XX/XX/2019 under the creditor, XXXX. It was then immediately added BACK to my credit report under the creditor cfsi aka Commonwealth Finance. Reflective on both XXXX and XXXX. 

( See attached screenshots ) XXXX : XXXX ( XXXX XXXX XXXX ) - {$910.00} I DO NOT owe this debt! Origination date is nearing if not surpassed 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am having a problem getting approved from any lenders because of this creditor reporting a charge off on my business when the debt was settled and agreed to be removed off my report because of me being caught in the middle of situation that I was not aware off by XXXX  business. Please remove this from report off my credit. It is not reporting accurately in my report ... Missing information by Wells Fargo business

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 2019-06-28 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: AR

Complaint narrative:
I was a victim of identity theft and the company isn't recognizing that and asking me to pay them back in full. I have substantial proof that I didn't do it and I would be glad to send you that proof as well. And it's reflecting on my credit score as if I owe this when in fact I was a victim.

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 2019-06-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Lending Club Corp
State: GA

Complaint narrative:
I have a loan with Lending Club and have done business with them for years. I just purchased a home, and called to defer my payment to the XXXX of the month ( XXXX ) ; instead of the regular payment XX/XX/XXXX. XX/XX/XXXX, they took the payment out of my Account even though I set up the deferment. I called XX/XX/XXXX, the date the funds were taken out, and inquired why they took the funds out, and they indicated it was an error. The rep promised it would be put back in 2-4 business days, and to keep checking my account. Everyday since, I have checked my account and I have called for the funds to be returned and each rep give a different answer ; one stated it takes up to seven days. Today the rep stated it was just initiated today and it too should take up to 2- 4 more days. The fact, they keep being untruthful about returning the funds to my account is really perturbing. It has been a big inconvenience, because I set-up my business according to the arrangement I made with the Lending Club. I tried to speak with a supervisor, I am kept on hold for a very very long time - over 30 minutes, I finally hung up. There is no one to escalate issues to, as the corporate also provide the same number. I just wanted my money back into my account and for them to honor the agreement. This is truly a bad experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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: OH

Complaint narrative:
My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX  XXXX XXXX OH  XXXX. 
My DOB:XXXX my SS:XXXX XXXX XXXX XXXX is my only address please remove any other addresses from my credit report they are not accurate. I have a Late payment that is appearing on my account that is not accurate. I have never been late on any of my accounts. Not sure but I have also contacted XXXX XXXX to see about the issue as well My current and only employer is XXXX XXXX XXXX XXXX XXXX please remove any other employer.

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 2019-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened a checking and a savings account at Citibank on XX/XX/XXXX. I decided to open these accounts to take advantage of ads I was getting via mail. The offer stated I'd be earning {$400.00} or {$500.00} after opening the accounts and completing the required activities which included depositing {$15000.00} or more in new to Citibank funds. Upon completion of all required activities, I received a letter from Citibank informing me of the future closure of both of my accounts. They simply state Citibank don't want to do business with me, they declined to give me further details. I'm preventing myself from earning some interest on the money I put on these accounts only for Citibank to decide unilaterally to close my accounts, as far as I'm concerned I comply thoroughly with the requirements fr the bonus and it's not serious of an institution as Citibank to take these actions and treat clients this way.

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 2019-06-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Law Offices of Les Zieve
State: CA

Complaint narrative:
Dear CFPB, On XX/XX/2019 I served XXXX XXXX, CEO of Zieve,  Brodnax , & Steele, LLP a Demand for Cancellation and Rescission of Notice of Default and Notice of Trustee Sale demand letter on TS # XXXX recorded on my property XXXX XXXX XXXX XXXX XXXX CA XXXX at the XXXX XXXX County Recorders Office . As of today, CEO, XXXX XXXX and his Zieve , Brodnax , & Steele LLP company has not responded to my demand letter ( copy attached ). 

Moreover, Attached you will find my Proof of Claim, Conditional Acceptance for Value served to XXXX XXXX XXXX XXXX, A Debt Collector, on XX/XX/2019 certified sent certified mail # XXXX. In addition, Under my private rights of action and administrative process I want to report that XXXX XXXX XXXX XXXX has repeatedly ignored and has failed to respond to my Qualified Written Request ( QWR ) and Dispute of Debt and Validation of Debt Demand Letter dated XXXX XXXX sent Certified Mail # XXXX. I never contracted with XXXX at any capacity and have never had any business relationship verbal or written. 

The XXXX Account # XXXX corresponding to my property at XXXX XXXX XXXX XXXX CA XXXX was created without my authorization and through identity theft of my personal and private information. My Second Notice of Fault in Dishonor and Opportunity to Cure demand letter was served to XXXX on XX/XX/2019 Certified Mail # XXXX My Third Notice of Default in Dishonor Discharge of Obligation to Pay Instrument was served to XXXX on XX/XX/2019 sent Certified Mail # XXXX. Finally, my Notarized Affidavit of Non Response was also served to XXXX sent Certified Mail # XXXX. 

As of today, XXXX has not responded to my Proof of Claim and Conditional Acceptance, Qualified Written Request and Validation of Debt, Fault in Dishonor and Opportunity, Notice of Default in Dishonor Discharge of Obligation to Pay demand letters. Attached please find the above mentioned demand letters and notices for your confirmation and records. 

XXXX XXXX, CEO and ZIEVE, BRODNAX, & STEELE LLC are hereby LAWFULLY NOTICED : you may be in violation of California Civil Code section 2920 - 2945.5 and you may find you are without authority. False Claims Act, and others ; and you may have committed and/or are a party to, numerous felonious acts committed against the State. 

Therefore, XXXX XXXX, CEO and ZIEVE, BRODNAX, & STEELE LLC, are hereby demanded to file in the XXXX XXXX County Recorder 's Office a CANCELLATION OF NOTICE OF TRUSTEE 'S SALE ( Rescission ) for the fraudulent Trustee 's Sale # XXXX on the referenced Deed of Trust within 10 calendar days. XXXX XXXX, CEO and ZIEVE, BRODNAX, & STEELE LLC are also demanded to deliver to me a fully executed copy of the same document at the referenced property address. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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 have repeatedly contacted Portfolio Recovery Associates about a debt that they are claiming to belong to me. I have asked them to send me documents with my signature because the letters they are sending to my address does not have the correct spelling of my name. I believe they are reporting to the credit bureaus in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XXXX XXXX complaint The file was submitted for a modification but in the process. the member had a medical procedure that caused her to be off from work and the pay stubs were not available. the Wells Fargo review team stated that she did not have any income but she was temporarily out recovering from XXXX. The file was denied a modification due to lack of income. She was further denied due to NPV of which the servicer underwriter told her that he will not provide the expressed calculation for her to review. They are not being forth coming with a decision based on the income which has been submitted for considerations. According to US TREASURY guidelines the servicer must be transparent.

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 2019-06-28 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: AR

Complaint narrative:
I was a victim of identity theft and the company isn't recognizing that and asking me to pay them back in full. I have substantial proof that I didn't do it and I would be glad to send you that proof as well. And it's reflecting on my credit score as if I owe this when in fact I was a victim.

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 2019-06-28 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: AR

Complaint narrative:
I was a victim of identity theft and the company isn't recognizing that and asking me to pay them back in full. I have substantial proof that I didn't do it and I would be glad to send you that proof as well. And it's reflecting on my credit score as if I owe this when in fact I was a victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUN LOAN COMPANY INC.
State: NV

Complaint narrative:
Sun loan in XXXX XXXX Nevada has reported on my credit as me having 4 accounts. I only took 1 loan. I am trying to repair my credit and they are rereporting I was told. This is unfair! I have disputed this and tried to settle but was told it would not be 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 2019-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
One of my relatives has my Bank of America credit card account number and uses it on his XXXX account. There are numerous XXXX charges on my credit card statement for purchases made by this relative. I have had Bank of America issue me a replacement card with a new account number but the charges continue because it is Bank of America 's policy to give the new account number to recurring charges like XXXX. I contacted XXXX and asked them to remove my credit card ( which is in my name ) and they refused because they said only the XXXX account holder can delete a method of payment. I contacted Bank of America and they told me that if I have them issue me a replacement card with a new account number, they are going to give it to XXXX again. I do not want to close my Bank of America credit card account because I have a very low interest rate on the card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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: OH

Complaint narrative:
My name is XXXX XXXX XXXX I live at XXXX XXXX  XXXX  XXXX XXXX OH XXXX. 
My DOB:XX/XX/XXXX my SS:XXXX XXXX XXXX XXXX is my only address please remove any other addresses from my credit report they are not accurate. I have a Late payment that is appearing on my account that is not accurate. I have never been late on any of my accounts. Not sure but I have also contacted XXXX XXXX to see about the issue as well My current and only employer is XXXX XXXX XXXX XXXX XXXX please remove any other employer.

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