vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
XXXX XXXX company is attempting to collect on a debt that is past the statute of limitations in my state of Louisiana and they refuse to validate the debt, refuse to stop calling at inappropriate times and refuse to remove this damaging remark from my credit reports. I've written several letters asking for their license to collect in Louisiana and they never respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Santander Consumer USA is erroneously reporting a balance owed on a voluntary repossession. They failed to provide proper notice of auction or sale of vehicle and are now reporting an erroneous balance 7 years later of twice what they originally reported on credit bureaus. They failed to follow legal protocol in the sale and notification of collection efforts on account, never notified me, and after previously agreeing to rectify the matter and remove the erroneous debt, they are now reporting it again several years later. There should be a XXXX  balance on the account and no adverse reporting, as the vehicle sold for more than what was owed on loan. Also, the loan was the legal responsibility of co-borrower and should not be reported in my name at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
On XX/XX/2018, I was notified by XXXX  that a new collection was added to my credit profile by Credence Resource Management. I had no prior knowledge of this company nor had they made any attempt to contact me via phone and or mail prior to reporting this debt to XXXX. As a result of this fraudulent collection being placed on my credit profile, my credit score was decreased by over 15 points. After being made aware of this unfortunate circumstance, I placed a call to the company to inquire about the debt and why no prior contact had been made. I requested that verifiable documents proving that I am indeed the owner of this debt be sent to me immediately and requested if that was not possible for the debt to be removed. I also followed up my conversation with a letter stating what was discussed during the phone call, which was mailed to the company on XX/XX/2018. 

On XX/XX/2018, I received a letter from Credence offering a 50 % reduction from the original balance they reported to my credit profile. This letter was sent without any validation of debt, which I request and which is illegal. I'am requested assistance with having this debt removed from my credit profile with XXXX  and all other credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 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: OK

Complaint narrative:
I have been disputing inaccurate information that has been placed on my credit report for since early XX/XX/2018. I applied for a refinance of my mortgage loan and was adviced That I have 100 plus inquiries from each credit bureau. I pulled each credit report and noticed about 80 plus were not authorized. I sent all three credit bureaus letters. I received from all three breaks. XXXX  responded XX/XX/2018, their response was a letter was received and they didnt think it was me. They will not continue on with investigation. I sent and updated all information on XXXX XXXX. XX/XX/2018 Equifax received dispute letters in regards to inquiries. Their response on XXXX XXXX from the inquiries were that the inquiries were authorized and accurate and they are not removing them. I sent XXXX two dispute letters, one for my inquiries and one for several inquiries on my credit report. XXXX has refused to take any action on my credit file. They have just continued sending me copies of my credit report and hasnt followed up with me. I am becoming frustrated because it seems that my credit is being pulled from auto lenders and several credit card companies as from the past every 6 months and they are going through the institutions that I bank with. I just want to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 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: OK

Complaint narrative:
I have been disputing inaccurate information that has been placed on my credit report for since early XX/XX/2018. I applied for a refinance of my mortgage loan and was adviced That I have 100 plus inquiries from each credit bureau. I pulled each credit report and noticed about 80 plus were not authorized. I sent all three credit bureaus letters. I received from all three breaks. XXXX  responded XX/XX/2018, their response was a letter was received and they didnt think it was me. They will not continue on with investigation. I sent and updated all information on XXXX XXXX. XX/XX/2018 XXXX received dispute letters in regards to inquiries. Their response on XX/XX/2018 from the inquiries were that the inquiries were authorized and accurate and they are not removing them. I sent Experian two dispute letters, one for my inquiries and one for several inquiries on my credit report. Experian has refused to take any action on my credit file. They have just continued sending me copies of my credit report and hasnt followed up with me. I am becoming frustrated because it seems that my credit is being pulled from auto lenders and several credit card companies as from the past every 6 months and they are going through the institutions that I bank with. I just want to get this matter resolved.

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 2018-08-16 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: TX

Complaint narrative:
The following accounts/items do not belong to me. Please delete immediately.

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 2018-08-16 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: TX

Complaint narrative:
The following accounts/items do not belong to me. Please delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Skrill USA, Inc.
State: DE

Complaint narrative:
I am XXXX XXXX XXXX. 
I opened an online account with skrill using the website www.skrill.com I got XXXX $ in my wallet and I can't withdraw the money as they won't let me withdraw it or transfer it ... They made me go through the verification process and after doing this they won't still let me have access to the money and skrill got lots of persons complaining about there service on XXXX XXXX ... They are scammers and don't have customer care service that replies or attends to customers.. 
Here is the Emails I used in signing up with skrill .... 
XXXX XXXX. 
I have verified my documents and I got an email that I have been verified but they won't let me access my money on the site and it shows verification pending on the site

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 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: TX

Complaint narrative:
The following accounts/items do not belong to me. Please delete immediately.

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 2018-08-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
There is a delinquent account in the amount of {$280.00}, that is being reported since XX/XX/2015 by Bank of America Missouri, to XXXX. I immediately contacted XXXX  to dispute the amount being reported once I was made aware of the negative impact on checking profile. I did not remember owing any amount to Bank of America so I filed the dispute and waited a little over 30 days for my updated results. To my surprise, the account was not removed but I was advised to contact Bank of America for further information. Well, I contacted BOA right away and spoke to many different associates, who all provided me with basically the same information. I was told that my account was archived and no information besides the fact that most of the fees were because numerous overdrafts fees were accessed to my account due to a {$9.00} balance. I was told they could not find any information on why I was being charged {$9.00} dollars but that the overdraft fees were valid and would have to be paid in full to remove this account from my profile. I do not understand how {$9.00} can result in someone being charged {$280.00}. This company can not and has not provided me with any documents stating the breakdown of the charges yet they continue to report the debt is valid. Please assist me with holding this company accountable and stop them from taking advantage of low-income individuals.

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 2018-08-16 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
There is a delinquent account in the amount of {$280.00}, that is being reported since XX/XX/2015 by XXXX XXXX XXXX XXXX, to ChexSystems. I immediately contacted ChexSystems to dispute the amount being reported once I was made aware of the negative impact on checking profile. I did not remember owing any amount to XXXX XXXX XXXX so I filed the dispute and waited a little over 30 days for my updated results. To my surprise, the account was not removed but I was advised to contact XXXX   XXXX XXXX for further information. Well, I contacted XXXX right away and spoke to many different associates, who all provided me with basically the same information. I was told that my account was archived and no information besides the fact that most of the fees were because numerous overdrafts fees were accessed to my account due to a {$9.00} balance. I was told they could not find any information on why I was being charged {$9.00} dollars but that the overdraft fees were valid and would have to be paid in full to remove this account from my profile. I do not understand how {$9.00} can result in someone being charged {$280.00}. This company can not and has not provided me with any documents stating the breakdown of the charges yet they continue to report the debt is valid. Please assist me with holding this company accountable and stop them from taking advantage of low-income individuals.

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 2018-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Overtime this is happened several times with Wells Fargo Bank. I get an alert that my account is negative I go in and make a transfer during the day which would cause the account to come to a positive balance at the ending closing available balance to be positive but then I will still get a fee. I have discussed this with them several times the recent transactions was on XXXX the XXXX 2018. It seems like they're not showing a true available balance things that are pending are not a part of the available balance therefore if it says it is negative {$79.00} and you transfer {$100.00} to cover it it seems like they're not showing a true available balance things that are pending on not a part of the available balance therefore if it says it is negative {$79.00} and you transfer {$100.00} to cover it they will still charge you fees based on pending items that were not told be not a part of that negative balance. Also even if you do cover it and it was apart of the negative balance and you've over covered it by having a positive balance at the end ending balance they will still charge you a fee because at some point the account was negative during the day but your clothing balance was not negative it was positive and you can see it in the system they won't return your fees based on their error. Even after I spoke to a representative and they could clearly see that I had made the account positive as a closing balance so there should be no way I would have a fee on Bill pays cuz I transferred money to cover it they still would not return the {$70.00} worth of fees which would now begin another set of fees on other items that I have sent through my 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 2018-08-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Navient is fraudulently claiming I owe money on 3 loans totally {$6000.00}. I have NEVER done business with this company ; I DO NOT owe them any money ; They REFUSE to stop negatively reporting on all 3 credit bureaus ; They REFUSE to correct my credit report, which is now negative SOLELY because of this fraudulent business! Due to my diligence and vigilance in trying to correct these erroneous errors on my credit reports, this alleged fictitious debt is remaining on my report ( though outdated ) because the clock keeps resetting itself. I have tried everything, short of a lawsuit, to prevent company from continuing to besmirch my reputation and ruin my good name and credit. I am extremely flabbergasted that they are still able to operate as a legal business as it is a known fact that they are fraudulent and have deceptive practices. I am asking for a cease and desist resolution that Navient cease all communications with me ; remove their entries on my credit reports ; and correct all erroneous data on my credit reports expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 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: ERC
State: AZ

Complaint narrative:
for 2 years collection companies have dinged my credit rating for an XXXX  bill of {$1500.00} since XX/XX/XXXX.

every time this bill is passed to a new collection company they note on my credit report that it is collection, reducing my credit rating, they never correct it.

this is NOT my bill, finally they drop the calls but never correct the credit report on XX/XX/XXXX it happened again, XXXX XXXX XXXX   did it again, put it into collection on my credit report -- - THIS HAS TO STOP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: MA

Complaint narrative:
I have been a Discover Card member since 2014, and at one time the service and fees were great. I have attempted on several occasions to stop the usurious fees of 18.74 APR which is preventing me from paying down the principal. I would hope that Discover address my complaint in a speedy response. The only alternative is to alert other consumers on XXXX XXXX, XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My husband I had a lease with XXXX XXXX back in XX/XX/XXXX. My husband passed away in XX/XX/XXXX. I called XXXX to report his passing. I paid off lease, closed account and opened a new lease account with my name only. XXXX XXXX contacted all 3 credit bureaus ( as I couldnt get my credit information as they showed me as being deceased with no access to credit ). XXXX  and XXXX   fixed the issue 2 years ago, and as to date Im still fighting Transunion as there report is still showing Im deceased. ( I pay for credit monitoring and check it frequently ). XXXX XXXX has told me its now out of their hands as they have over and over reported to Transunion that I have my own account and Im not deceased and I need to go through Transunion as they are not doing what they need to do on their end. Again month after month for over 2 years Ive been trying to resolve this issue with Transunion. I was told 2 months ago that this was taken care of and I would start seeing my scores again. I told Transunion I didnt want to make another phone call to them as again Ive been doing month after month for 2 years. I was reassured that I wouldnt have any other issue. I called back again 1 month later ( XX/XX/XXXX ) as still not resolved, then received a letter from Transunion stating deceased. After go round and round with XXXX ( who did change account status on their end ), Transunion ( still giving me run around with no satisfaction ), I have decided to make a complaint against Transunion, and hopefully get this resolved once and for all! 
Again, XXXX  and XXXX  fixes report 2 years ago. 

Thank you

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 2018-08-16 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: FL

Complaint narrative:
Experian has 2 inquires on my report that I DID NOT authorize, >>XXXX XXXX XX/XX/2018<< & >>XXXX XXXX XXXX XX/XX/2018<<, I DID NOT apply for credit with these companies/businesses and therefore they NEED TO BE DELETED!

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 2018-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2018, I contacted Experian about the errors that they are reporting on my credit file. In a detailed letter. I received a letter back that that they did not remove these errors from my credit history. Told them that they have eroded addresses, error employers, and eroded telephone numbers

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 2018-08-16 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: OH

Complaint narrative:
On XX/XX/XXXX. I received an update from XXXX XXXX that my transuion score had dropped a new " comment '' had been added to my account. When I logged on, I noted that my credit card opened in XX/XX/XXXX and in good standing had a note that stated it had been investigated and found to be reporting correctly. I had not requested this account to be investigated, it was perfect. I reached out immediately to Trans Union and spent over 25 min on the phone with them. The representative advised he would delete the comment and it would be updated in 48 hours. I never received any update, so I reached out again on XX/XX/XXXX and got another representative. She advised she could not find that account, I then asked for a supervisor and he was very rude to me and advised that I had probably asked for the wrong thing, however the item had been completely deleted. I was blown away. I asked if they could fix it since it was an error. He advised no we can't, we can take away but not add anything, well, you added the comment on an account that was not supposed to be investigated, then you deleted my account and its my problem. the supervisor advised that I would have to reach out to the bank card company and ask them to resend it over. I asked if I could have another supervisor and he said of course, he put me in cue and no one ever came after holding over 20 minutes I had to go. I then reached out to my credit card company and was advised ma'am, we have never had that request, the bureau should take care of that ... so here I am ...

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