vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-30 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: AL

Complaint narrative:
On my credit reports with each company they show a Repo for my car with XXXX XXXX XXXX. This car is in my possession. I am trying to work on my credit but this is holding me up from jobs and everything. I need this addressed and fixed please.

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 2018-10-30 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: MN

Complaint narrative:
I am a victim of identity theft. The following accounts and credit inquiries listed on my Equifax and XXXX credit reports are all fraudulent, unauthorized and not mine : XXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 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: Global Payments Check Services, Inc.
State: TX

Complaint narrative:
This complaint is regarding Global Payment Check claims I have a charged off, closed account in the amount of {$120.00} that was apparently opened XX/XX/2013. I am writing to advise you that Global Payments Check is in violation of TEXAS DEBT COLLECTION ACT, TEX.  FIN. CODE 392.001 et seq. as well as the DECEPTIVE TRADE PRACTICES-CONSUMER PROTECTION ACT, SUBCHAPTER E. which  prohibits a debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. After researching Global Payment Check on the Texas Secretary of State debt collector website I have found that Global Payment Check is not bonded in the state of Texas. I am requesting Global Payment Check immediately delete this entry with all credit reporting agencies they are reporting this entry to due to being in violation of TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. as well as the DECEPTIVE TRADE PRACTICES-CONSUMER PROTECTION ACT, SUBCHAPTER E. 
The TEXAS DEBT COLLECTION ACT ( TDCA ) defines a debt collector as any person who directly or indirectly engages in debt collection and further applies to creditors attempting to collect their own debts. TEX. FIN. CODE 392.001 ( 3 ). Furthermore, Sec. 392.301 ( a ) ( 4 ) of the TEX. FIN.  CODE prohibits threatening to sell or assign to another the obligation of the consumer and falsely representing that the result of the sale or assignment would be that the consumer would lose a defense to the consumer debt or would be subject to illegal collection attempts.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 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:
I have a unverified account from a XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. I have never done business with these companies. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). 
The specific information under dispute is the derogatory nature. 
I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 
So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. 
Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. 
When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.

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 2018-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I am a XXXX XXXX and applied for XXXX  Loan Forgiveness. My first application was declined for unknown reasons. The next month, the payments with current loan jumped from $ XXXX/month to $ XXXX/month. The same time, Navient offers me a loan refi to bring my payments back down to {$200.00}. While waiting for my second application for XXXX forgiveness to answer, I refinance to keep payments low. Unknowingly, the refi goes through but I find out later it's a private loan and not qualified for the XXXX Forgiveness. I was unaware that the forgiveness would not apply. It is suspicious that as soon as I applied, my payments jumped and they happen to offer a refi. I called to have refi turned around, they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 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: MN

Complaint narrative:
I am a victim of identity theft. The following accounts and credit inquiries listed on my XXXX and Experian credit reports are all fraudulent, unauthorized and not mine : XXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXf XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/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 non-monetary relief
Consumer complaint received 2018-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MD

Complaint narrative:
This letter is in response a letter dated XX/XX/2018 from XXXX XXXX XXXX XXXX XXXX claiming I owe them {$100.00}. 

The company failed to provide me with any evidence that I have a legally binding contractual obligation to pay XXXX XXXX XXXX XXXX XXXX this amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 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:
I have a unverified account from a XXXX XXXXt # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. I have never done business with these companies. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ).

The specific information under dispute is the derogatory nature.

I am requesting the verification to follow reasonable procedures to assure  maximum possible accuracy, of the information on my credit report. 
So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. 
Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. 
When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.

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 2018-10-30 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: OH

Complaint narrative:
I have a unverified account from a XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never done business with these companies. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ).

The specific information under dispute is the derogatory nature. 
I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 
So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. 
Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. 
When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/2018, Wells Fargo Bank shut down my account along with any and all access to it without notifying me. When I went into the bank for clarification of this, I was told that " Wells Fargo has made a business decision to part ways with you because your account is considered a security risk due to too many claims ''. No correspondence was made prior to this, besides what I have attached from the messaging service they have on their website which states the account was being terminated. They also activated my debit card seen on the letter provided without my permission after they has already closed it.

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 2018-10-30 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: AFNI INC.
State: TX

Complaint narrative:
This complaint is regarding AFNI , Inc. claims I have a charged off, closed account in the amount of {$2300.00} that was apparently opened XX/XX/2018. I am writing to advise you that AFNI, Inc. is in violation of TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. as well as the DECEPTIVE TRADE PRACTICES-CONSUMER PROTECTION ACT, SUBCHAPTER E. which prohibits a debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. After researching AFNI, Inc. on the Texas Secretary of State debt collector website I have found that XXXX XXXX XXXX is not bonded in the state of Texas. I am requesting AFNI, Inc. immediately delete this entry with all credit reporting agencies they are reporting this entry to due to being in violation of TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. as well as the DECEPTIVE TRADE PRACTICES-CONSUMER PROTECTION ACT, SUBCHAPTER E. 
The TEXAS DEBT COLLECTION ACT ( TDCA ) defines a debt collector as any person who directly or indirectly engages in debt collection and further applies to creditors attempting to collect their own debts. TEX. FIN. CODE 392.001 ( 3 ). Furthermore, Sec. 392.301 ( a ) ( 4 ) of the TEX. FIN. CODE prohibits threatening to sell or assign to another the obligation of the consumer and falsely representing that the result of the sale or assignment would be that the consumer would lose a defense to the consumer debt or would be subject to illegal collection attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
There was this promo when I open the account Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account.

Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days Its been more than 90 days since I completed the requirement but didn't receive the bonus.

I asked customer service through chat and secure message, they always said it being investigated

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 monetary relief
Consumer complaint received 2018-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
This letter is in response a letter dated XX/XX/2018 from XXXX XXXX   XXXX, XXXX claiming I owe them {$700.00}. 

The company failed to provide me with any evidence that I have a legally binding contractual obligation to pay XXXX XXXX XXXXXXXX, XXXX this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: SC

Complaint narrative:
Commonwealth Finance is a scam. I have been fixing my credit for a year now. I got a XXXX XXXX card and just recently this year this random company hit my credit for an old medical bill from back in 2014. Nothing has ever been reported and I have never been notified of this debt. I was never notified that I had a debt. In fact the one time I went there I got my medical bills covered by a grant and by XXXX XXXX for using me to test trial a new medical gauze. Until now I had never heard of this debt. I disputed it and XXXX XXXX took it off. Then suddenly I get 2 accounts from the same company " Commonwealth Finance '' 3 times the original amount. I have read about this company and everyone is having similar issues. This company does fraudulent business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
On XX/XX/2018 I had a phone conversation with the supervisor at Wells Fargo Mediation by the name of XXXX XXXX I informed her during this phone conversation that I had contacted the county of XXXX where I live in Oregon ( aging and XXXX in XXXX office ) about deferring my taxes due to my age over XXXX XXXX. I informed her that they told me I could do this and she told me she had worked with the customer regarding this before. Now I am told today in an email from XXXX XXXX That they reimburse my taxes Which is not what I even asked. The county will differ them Im tired of explaining it over and over again. They just dont want to help they want my home instead. Manipulation cruel bureaucracy and continued discrimination because of my age and mental health XXXX. Im asking them not to pay the taxes so the county will step in and defer them for me. They are doing this in my opinion to take my home. I was told by a county representative at XXXX County Oregon aging and XXXX his name is XXXX that this can be done if Wells Fargo doesnt pay the payment. I have been asking now for almost 2 weeks. As of today the payment had not been made but it will be in a couple days now. 

This to me is unfair and this is just another way that they have manipulated me. I have worked on a spreadsheet now showing the payments and The escrow overage is in shortages where they have short paid and overpaid in error that they wont provide documentation. 

I am trying to send it to you as well but its difficult to explain Ive got the numbers worked out but I need someone to help me and I cant find anybody without spending {$400.00} an hour. If I could spend {$400.00} an hour I wouldnt be in the situation I am in. I need help they have broken the law they have committed fraud in my payments using my escrow account as a way to manipulate the system. 


Another complaint will follow soon but I want my taxes deferred Per my right of my age and the county of XXXX and Oregon State

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 2018-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: OH

Complaint narrative:
THIS IS NOT A DUPLICATE REQUEST : I did not receive notification from Diversified Consultants of this debt. The notifications attached to claim XXXX were old bills from XXXX, the final bill from XXXX, and the document I requested from Diversified Consultants on XX/XX/2018. 

THIS IS NOT A DUPLICATE REQUEST : PROVIDE NOTIFICATION FROM DIVERSIFIED CONSULTANTS OF THIS DEBT PRIOR TO REPORTING DEROGATORY ACCOUNT INFORMATION TO THE CREDIT BUREAUS ON XX/XX/2018 AS REQUIRED BY THE FAIR CREDIT REPORTING ACT. This debt hit my credit reports on XX/XX/2018 ; so notification should be dated between XX/XX/2018 - XX/XX/2018! 

Diversified Consultants has NOT provided notification documentation prior to reporting derogatory information to the credit bureaus on XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
This letter is in response a letter dated XX/XX/2018 from Portfolio Recovery Associates, LLC claiming I owe them XXXX. 

The company failed to provide me with any evidence that I have a legally binding contractual obligation to pay Portfolio Recovery Associates, LLC this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
This letter is in response a letter dated XX/XX/2018 from Resurgent Capital Services claiming I owe them {$970.00}. 

The company failed to provide me with any evidence that I have a legally binding contractual obligation to pay Resurgent Capital Services this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nelnet, Inc.
State: OH

Complaint narrative:
According to XXXX XXXX. Goodbye letter attached to complaint XXXX, XXXX was servicing the loan and reporting to credit bureaus on behalf of XXXX from XX/XX/XXXX - XX/XX/XXXX. 

XXXX also mentions I would receive a new account number from XXXX  XXXX in the Welcome letter. 

For 2 years, I have not been able to pay the student loan. XXXX has not had my account as XXXX claims. This loan has consistently reported unpaid every month without my ability to pay XXXX or XXXX. 

XXXX, PLEASE PROVIDE THE WELCOME LETTER AND NEW ACCOUNT NUMBER FROM XXXX THAT XXXX SAID YOU WOULD SEND. ( See Goodbye letter from XXXX attached ) THIS WILL HELP ME TO SEE HOW THE CREDIT BUREAUS RECEIVED DEROGATORY INFORMATION MONTHLY FROM XXXX UNTIL NOW. 

XXXX, provide a statement or account history of my account that you serviced from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have not been able to log in to the website to get information or cancel my membership. I have tried 6 different phone numbers for Experian but I get the exact same automated message without any option to speak to a representative. The time that I said I was having trouble logging in, they said they would send me a link to change my password but the link didnt work. When I tried, via the automated system, to cancel my account it said that I could cancel my free account but the account I wanted to cancel was not a free account. I sent Experian an email with the above complaints on XX/XX/XXXX and still have not received a response. I am trapped unless I can get a live person to help me. 
This is the worst customer service I have ever experienced. I hope that the Consumer Protection Bureau can help me get in touch with a live person that could resolve my issues. 
Thank you, 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 2018-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: MD

Complaint narrative:
This letter is in response a letter dated XX/XX/2018 from Radius Global Solutions LLC claiming I owe them {$11000.00}. 

The company failed to provide me with any evidence that I have a legally binding contractual obligation to pay Radius Global Solutions LLC this amount.

Company response to consumer: Closed with explanation