vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-22 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I wanted to obtain my free annual credit report from Equifax, which is supposed to be available online and via hard copy mailed to me. 

When completing information on the Equifax website, the website indicated Equifax could not provide my report online. I would have to mail various documents to them to prove my identity and get my report.The website screen is pasted below : " Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online How to Request by Mail To request your free Equifax Credit Report by mail, please fill out the attached form ( PDF file ), along with the documents described below, and mail them to : Annual Credit Report Request Service XXXX XXXX XXXX XXXX, GA XXXX Please include with the attached form a copy of one item in EACH of the categories below in order to assist us to verify your identification and address. The item you submit from the " identity '' category MUST contain your Social Security number and the item you submit from the " Address '' category MUST contain your current home mailing address. 

Identity Social Security card Pay stub with Social Security number W2 Form Address Driver 's License Rental or lease agreement/house deed Pay stub with address Utility bill ( gas, electric, water, cable, residential telephone bills ) To ensure that your request is processed without delay, please enlarge photocopies of any items that contain small print ( i.e. driver 's license, W2 forms, etc. ). To avoid additional delays, keep in mind that if photocopies you submit are not legible or contain highlighting, we may ask that you resubmit your request with more legible documents. 

Download Acrobat reader Return to Annual Credit Report '' This progress ruler appears at the top of the section where you request your Credit Report : Fill out Pick the reports Review your Get your next Repeat these steps a form you want reports online report or finish for each credit report ( Last Box in progress ruler ) Have questions? 
Contact us Contact us I am not sending a letter containing documents like my Social Security card and name/address info to Equifax that could be pilfered or lost in the mail. 

Equifax just settled the suit re hacking of its website that it failed to prevent. It is providing relief to customers or paying fines totalling $ XXXX XXXX. If it can do that, it can afford to produce reports for customers online. Not doing so is a shoddy way to do business for the critical service it provides to the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber
State: NC

Complaint narrative:
This will be my 3rd complaint regarding Grant & Weber. Ive requested debt validation 3 times, the 1st time they sent a list of itemized charges, the 2nd time they sent a letter stating what they sent me the 1st time and this last time they have CLEARLY VIOLATED MY HIPPA RIGHTS. They sent copies of paperwork with my medical information plastered all over it! My medical record numbers, my SSN, and other very important medical information. This is clear violation of the HIPPA law. I did not consent for Grant & Weber go obtain any of my medical records at all and I will be filing a HIPPA complaint and Im willing to sue if necessary to the fullest extent of the law.

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 2019-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have submitted transaction disputes to this card companys fraud department because of fraudulent transactions made against my account. The first dispute was for transactions on XX/XX/XXXX, XXXX, XXXX totaling {$130.00} which were the result of Identity Theft, which I only discovered recently, and which has been properly reported and documented with local and federal authorities. I provided the reports of identity theft that Id filed but the company denied reimbursement for my claim. The second dispute related to a transaction that I made to an online retailer which was later discovered to be a fake company. I filed a complaint with the Arizona Attorney Generals Office and included that with my dispute for the {$120.00} that was debited from my account. As yet, I have not received any response to my dispute for that claim which I submitted on XX/XX/XXXX. I did send a follow-up letter on XX/XX/XXXX to this company demanding that my disputes be processed immediately and reimbursement for the unauthorized transactions be issued without further delay. I filed all disputes and written communications via an upload link provided by the company through email. I have not yet received any response from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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: NY

Complaint narrative:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT THAT HAS BEEN REPORTING AS A DEROGATORY AND HAS BEEN CAUSING SERIOUS DAMAGE TO MY CREDIT. PLEASE HAVE THIS NEGATIVE ITEM OFF 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 2019-07-22 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: NY

Complaint narrative:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT THAT HAS BEEN REPORTING AS A DEROGATORY AND HAS BEEN CAUSING SERIOUS DAMAGE TO MY CREDIT. PLEASE HAVE THIS NEGATIVE ITEM OFF MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am the cosigner on my daughters car with XXXX XXXX. In XXXX she broke her leg taking her out of work for months. She became delinquent on multiple accounts including this note. In XXXX the car was repossessed and she file bankruptcy to get her car back. She is under a repayment plan with her attorney to pay XXXX biweekly toward this car. The bureau Experian is reporting my account delinquent 120 days even this month of XXXX but reported XXXX and XXXX current. Per the Metro 2, Unlike a Chapter XXXX, Chapter XXXX bankruptcy allows you to protect cosigners and joint account holders through a codebtor stay while paying off the cosigned obligation in your repayment plan. XXXX has disagreed with this finding and is continuing to hit my score dropping by 38-40 point monthly. They have an amount. {$2600.00} past due as of XX/XX/2019. The account should only be delinquent for XXXX and XXXX prior to her filing.

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 2019-07-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Loan company applied an escrow account for back taxes but the taxes had been paid in XX/XX/XXXX. They them raised my loan payment by {$1100.00} per month. Said loan company was refunded the overpayment of {$7400.00} in XX/XX/XXXX according to the County of XXXX XXXX. This refund was never applied to my account but the refund was verified being received by their tax department. I called the company several times and the amount was of the refund was supposed to be applied to my account. This was never done by their representative XXXX in customer relations. I now owe a {$12000.00} in erroneous charges because they didn't remove the escrow account until XX/XX/XXXX. I  have called this company several time to talk to XXXX but am told that he can not receive incoming calls but they will email him the message and of course he never calls back.

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 2019-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
Repeated calls from Midwest Recovery using different phone ID information and numbers. Trying to collect a debt from someone I do not even know. Have nicely asked four different times to do not call this number because the person they are looking for I do not know. I was assured the number would be removed. They called the other day and my Pastor was visiting and they started out on the answering machine they were a debt recovery company. VERY EMBARRASSING! I am retired and do not owe anybody anything. They called again today same thing. I called back and I lost it. I was not very nice to the person I got, but I did not cuss but was firm. Your company needs to a better job of getting the phone numbers for the correct people they need to contact. I'll be dad gum if they did not call back again within 1 hour this time caller ID showed a pay phone. This is harassment!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX at : XXXX involving case : XXXX is incorrect. The account remains open according to the U.S. Office of Personnel Management.  The account has a {$0.00} balance. The account was closed as satisfied BY ME, THE OWNER, THE ACCOUNT OWNER. Let 's do this again for the third time. The account was open and remains open per OPM on or about XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have gone through my credit report and I noticed that there are so many credit inquiries that I did not authorize. I have put them on a list and I have requested all 3 credit bureaus to remove them because I did not authorize and yet nothing is being done. I did buy a new car but I was approved with my own credit union. It appears that the dealership sent it to about 15 banks. There are inquiries about credit cards. I haven't opened up any new credit cards. I asked for proof of these inquiries and they wont provide me anything. I want my inquiries removed. I didn't authorize them and they are really affecting my score.

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 2019-07-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello - I am a victim of identity theft. I have contacted Equifax several times and send in FTC reports to ensure that that they have all the information as it pertains to me. I am being a victim Over and over again. Equifax refuses to remove these accounts and the creditor still says that it is mine and sends me a copy of a statement as proof. How can a statement prove that this belongs to me? I have had my taxes taken by fraud, my bank account taken, bank account opened everything and no one at Equifax wants to help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, I spoke to XXXX & XXXX in reference to the account and was advised that Sequiem Asset did not hold the account. Sequiem Asset has continued to report falsely to all three credit bureaus that money is owed to them when that is not true. I contacted Sequiem Assets on XX/XX/XXXX to request that they correct the erroneous reporting on my credit report and they refused. At the onset of the call, the representative was in full collection mode knowing that XXXX XXXX XXXX had pulled this account back from their agency but they are continuing to try and collect from an uncollectible account..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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: WA

Complaint narrative:
I have gone through my credit report and I noticed that there are so many credit inquiries that I did not authorize. I have put them on a list and I have requested all 3 credit bureaus to remove them because I did not authorize and yet nothing is being done. I did buy a new car but I was approved with my own credit union. It appears that the dealership sent it to about 15 banks. There are inquiries about credit cards. I haven't opened up any new credit cards. I asked for proof of these inquiries and they wont provide me anything. I want my inquiries removed. I didn't authorize them and they are really affecting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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: WA

Complaint narrative:
I have gone through my credit report and I noticed that there are so many credit inquiries that I did not authorize. I have put them on a list and I have requested all 3 credit bureaus to remove them because I did not authorize and yet nothing is being done. I did buy a new car but I was approved with my own credit union. It appears that the dealership sent it to about 15 banks. There are inquiries about credit cards. I haven't opened up any new credit cards. I asked for proof of these inquiries and they wont provide me anything. I want my inquiries removed. I didn't authorize them and they are really affecting my score.

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 2019-07-22 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: Statewide Credit Services Corp.
State: PA

Complaint narrative:
Statewide Credit Services XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX # XXXX XX/XX/2013 Date Opened Has my account in collections as reported to XXXX. This account is not mine. It does not belong to me. All the credit bureaus : XXXX  and XXXX has removed this account from my credit report. The address used by XXXX does not belong to me. Whatever address they have that allegedley conducted buisness is not my address. 
Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them. 
This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment. 
I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statue of limitation ; 2. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 3. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 4. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owed to another company or business/provider, without my consent ; 5. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owe as third party debt collection and is not the original company, buisness, provider of such item, service or product ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus failed to do so. 

It is respectfully submitted based on the above, that the above named company remove any and all derogatory remarks, comments, statements, reports, submissions to any reporting bureau or agency/company, and the credit reporting bureaus : XXXX ; XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Re : Grievance Notice under Clause 20 of the Deed of Trust & 12 C.F.R. 1024.35 I am writing to report my grievances regarding the mortgage transaction involving my previous property at XXXX XXXX XXXX XXXX, XXXX, Pennsylvania XXXX. 

I recently obtained a forensic audit of all my mortgage documents. As a result, I was made aware of a significant misrepresentation within the appraisal process for my home I Purchased on XX/XX/XXXX. More specifically, the appraiser gave bad comparisons of other homes sold in the same time period for a 97 year old home. All in which only shows poor due diligence and lack of competency on the behalf of  Mr. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Thus, having proved my home was not properly valued at the time of purchase. 

Furthermore, it was discovered that the notary signed my documents before i signed my documents. I am missing several key and crucial documents ( mortgage application, HUD 1, 4506T, notice on servicing ), to my closing documents that i received 30 days after closing and not the same day or within a few days as required by law. I recently contacted Wells fargo and requested the same documents along with the Abstract title company ( dissolved ) and found the same said documents are missing to date. It was equally discovered that MERS played a part in this process which negates Wells Fargo at the time of the foreclosure was not the true holder of the note and mortgage ( date was  in XXXX ). During my foreclosure process I was not served properly, all notification was going to my next door neighbor whose mailing address was XXXX XXXX XXXX XXXX, which is my legal address, but was not my postal mailing address. I never received any notification, my neighbor had been looking online and shared with me she saw i was in foreclosure. Even when i was evicted, they went to her house first and she pointed them to my house.

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 2019-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
I received a phone call from phone number XXXX and they were alleging that they were from Transworld systems Inc. They stated that on XX/XX/2014 I accrued a {$110.00} debt from the company XXXX XXXX. They allege that my account number is XXXX. Today is roughly 5 years after the alleged debt. And until my conversations with this company today Ive heard nothing about the debt. No notices have been sent nor they will they released me any information or proof the day The debt to me. 

Im not sure that this is a legitimate company nor a valid debt. I did call XXXX XXXX and they have no record of a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/2019 two cards one a capital one bank and other a XXXX card was tried to issue and was denied. I never applied for either of there credit cards. Some one has tried to use my identy theft and apply. Plus my credit score has dropped more than 40 points and not sure why. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief